Nowadays,the development of low-carbon economy is advocated and the carbon finance has become an important factor to promote the development of low-carbon economy. Taking advantage of the power of the carbon finance to give full play financing function of the green credit and financial institu-tions and achieve low carbon technology innovation for coal enterprises has become a key to realize the sustainable development. Taking Shaanxi coal enterprises as a sample,this paper discusses existing prob-lems,such as insufficient financial support for coal enterprises,inadequate green credit of bank,single low-carbon finance product,low participation of non-banking financial institutions and single financing channels of coal enterprises,etc. and then analyzes its causes in the process of developing low carbon e-conomy in coal enterprises supported by Shaanxi finance,and then put forward the suitable financial sup-port and policy path accordingly as follows:build perfect financial policy system,increase banks'green credit,build perfect financial product system,promote the participation of non-bank financial institutions and broaden financing channels of enterprises.%在大力倡导发展低碳经济的今天,碳金融已经成为推动低碳经济发展的重要力量.煤炭企业如何利用碳金融的力量,充分发挥绿色信贷和金融机构资金融通的功能,实现低碳技术创新,成为实现煤炭企业可持续发展的关键.以陕西省煤炭企业为样本,深入探讨了陕西省金融在支持煤炭企业低碳化过程中存在的问题,主要表现如下:陕西省对煤炭企业的投资支持力度不够、银行绿色信贷不足、低碳金融产品单一、非银行金融机构参与度低、基于碳金融市场的中介不健全等.随后进一步分析了产生这些问题的成因,并据此提出了适合陕西煤炭企业发展低碳经济的金融支持路径与策略,主要包括如下一些方面:构建完善的金融政策体系、银行要加大绿色信贷、构建完善的金融产品体系促进非银行金融机构的参与以及拓宽企业融资渠道等.
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