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对我国商业银行绿色信贷风险管理的思考

         

摘要

近年来,我国绿色金融的发展步伐明显加快,在多个领域实现了创新和突破,市场潜力巨大。在经济新常态下,商业银行践行绿色信贷是顺应时代潮流的明智之选。绿色信贷业务自身的特殊性,决定其风险比普通信贷的风险更加难以管理。商业银行在开展绿色信贷时应全面分析风险的类型和成因,结合当前绿色信贷风险管理中所存在的问题,在借鉴国际经验的基础上积极探索相应的管理办法,从而进一步完善商业银行绿色信贷风险管理体系。%In recent years, green finance has accelerated the pace of development significantly, meanwhile innovation and breakthroughs have appeared in a number of areas. The market potential is huge in China. Therefore, under the new normal economy, it is the wise choice to keep with the times for commercial banks to practice green credit. It should be noted that green credit has its own particularities, which means it is more difficult to manage green credit risk than general credit. When practice the green credit, commercial banks should conduct a comprehensive analysis of the risk type, combine with the current problems in green credit risk management, and explore the appropriate countermeasures based on the internation-al experience to improve the green credit risk management system.

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