Research Of Carbon Finance Business Mode Of Chinese Commercial Bank

Global warming is a huge challenge to the Earth, but it is also a big opportunity to economics’development. Global warming gave birth to low carbon economy, the resulting carbon trading market and carbon finance industry. According to World Bank projections, the capacity of the2012global carbon trading market will reach$150billion, and it is expected to exceed the oil market and become the largest market in the world. In such a large market, foreign financial institutions such as commercial banks have formed a relatively mature and perfect market mechanism, while as China’s economy shifts to a low carbon economy and sustainable development, more and more financial institutions, mainly commercial banks, turn their attention to the carbon finance sector, and try some of the business innovation. But the domestic financial institutions just set foot in this area a little, with some problems like single carbon finance business model and lack of connection with other market participant, its development is relatively slow. There are a lot researches in this field, analyzing from market system, policy and the difficulty of carrying out, while in prospect of environment and business, they viewed only from single and content, but not considering bilateral and market demand.In this paper, after introducing relative theories of carbon finance, we analyze the international carbon finance from the point of market participant and summarize the phenomenon of carbon finance’development in China, then identify the problems of carbon finance business in China through the comparative analysis, and explore the causes of the problems in depth.Based on the analysis, to improve the current situation, we choose commercial bank as breach, and come up with an idea that through two step to build relatively ideal commercial bank’ business model. To achieve, we give countermeasures and suggestions on how to develop carbon finance in China from three aspects:policy, market system and talents. This paper has three innovations:including analyzing the market system based on bilateral and promoting the idea that lack of customer value is the biggest obstacle and fundamental reason in the development of carbon finance in China and through two step to build relatively ideal commercial bank’ business model.