Study On Risks Of Carbon Finance Of Chinese Commercial Bank

Global warming has been getting more and more attention from the people all over the world, energy conservation and emission reduction and the development of low-carbon economy has become a new direction for the development of the world economy. It is well know that economy determines finance, the development of low carbon economic results in the adjustment of economic and industrial structure, and the mode of economic development, consumption patterns and lifestyle changes, will cause structural revolution in international financial industry. Carbon finance has gradually become a new bright spot in the field of international finance. The income and risk asymmetry characteristic of carbon finance credit risk is more outstanding.; the effect of information asymmetry is more remarkable; he price fluctuation to carbon finance business bring market risk; The changes of carbon emissions policy was affecting the commercial bank assets security. Therefore,the commercial banks are necessary to deal with the risk of the relevant control measures and preparation in carbon finance businessBase on a comparative analysis of the way of Industrial banks development carbon finance at home and abroad, also combined with our country’s commercial banks’ carbon financial business practice, analyzes the practical significance of the commercial banks to carry out carbon financial business. At the same time, this paper mainly analyzed the causes of commercial banks carbon financial risks, and gave a summary of the types and characteristics of commercial bank carbon financial risks. This paper evaluated every risk brought by the carbon finance in the empirical research way to make sure that each risk’s influence degree. This paper also carried out that the commercial banks should have the option to prevent and avoid each risk. In the end, the article put forward major proposals to prevent and reduce the effects of commercial bank carbon financial risks from the Angle of the government and commercial banks. That commercial banks should build long-term system of carbon finance internal risk management and improve intervention means for the development of carbon finance business of commercial banks. Finally, the government should create a favorable external environment, to give full support to the development of carbon finance business in commercial banks.