Research On Mode Of Commercial Banks Supporting Carbon Finance Development

In recent years, heavy fog and haze intensifies make environmental problems becomeincreasingly prominent. People’s weak awareness of protecting environment and neglectingsaving energy in production make air pollution increasingly serious. Production relies on thesupport of the banks, and carbon finance business of banks is immature. Corporaterestructuring will be suppressed. Environmental problems will be hard to solve. The carbonfinance industry of current international has developed relatively well. However, China’sdomestic enterprises and financial institutions do not understand carbon finance deeply. Therelevant market participants do not play the role fully. Situation of domestic commercialbanks to develop carbon finance business is uneven. Variety of businesses conduct business ismore single. There is no unified model in the industry. Based on the present situation of thecarbon finance development, it strives to summarize current undertaken carbon financebusiness of commercial banks completely; summarize typical commercial banks’ carbondevelopment model and there financial results; analyze domestic and foreign commercialbanks’ dynamic mechanism of carbon finance business, development conditions and obstaclescomparatively; design a carbon finance business mode for the development of China’scommercial banks.This article analyzes origin and status quo of develop carbon finance business of foreigncommercial banks, and concludes existing development patterns. Then it elaborates thedevelopment of domestic commercial banks’ carbon finance business, and sums up sixdevelopment model in practice. It analyzes domestic and foreign commercial banks’ dynamicmechanism of carbon finance business, development conditions and obstacles comparativelyon base of the above and designs a revenue model and development model of carbon finance.This paper uses literature review to analyze the status of research; uses indicators scoringmethod to analyze and evaluate the status of the top30of commercial banks to developcarbon finance business; uses game theory to analyze domestic and foreign commercial banksmay exist in prisoner’s dilemma; uses the model to build the development model.Finally, the article concludes: foreign commercial banks has developed several carbonfinance businesses; models of foreign commercial banks to support the development of carbon finance are:"to help green credit" mode "to financial aid rate" mode, the "bridgesupply and demand" model,"Project Manager" mode,"innovative products" mode; indomestic banks, the Industrial Bank and China Merchants Bank’s practice in support oflow-carbon economy are ahead of other commercial banks, in aspects of cultural philosophy,environmental management systems, banking services, information disclosure; large andmedium-sized commercial bank’s performance are better, while smaller cities and ruralcommercial banks are in the "ignore greenhouse gas emissions phase"; listed banks on carbonfinance practice walk in front of non-listed banks and top30commercial banks are in a"neglected phase of greenhouse gas emissions". Models of domestic commercial banks tosupport the development of carbon finance are:"Equator bank" model,"carbon neutral bank"model,"help credit" mode,"customized financing" model,"Project Manager" mode, the"support voluntary reduction" mode. There is prisoner’s dilemma game in domesticcommercial banks. With weak environmental awareness and incentives of government,commercial banks appear to promote carbon finance business in the omission negatively.Moreover, domestic and foreign commercial banks in supporting the development of carbonfinance business differ in dynamic mechanism, qualifications and obstacles of development.Government can give preferential policies to support the development of carbon financebusiness of commercial banks and commercial banks should strengthen their innovation,provide customized services to act as "carbon bank".