The Research On Risk Management Of China's Commercial Banks' Carbon Financial Business

Greenhouse gases, mainly carbon dioxide concentration rise caused by global climate warming has become the core of environmental problems, response to global climate change and greenhouse gas emissions has become the focus of global attention. Low carbon economic development model has become an effective means to solve this problem, and the development of low carbon economy can not be separated from the financial support. Carbon finance is an important way to optimize the allocation of social resources and environmental resources and to adjust social capital flows to low carbon industry chain. Potentially huge financial demand for financial institutions to expand carbon finance business has opened up wide market platform and unprecedented profitable opportunities and provides unprecedented opportunities for development of carbon financial activities of commercial banks in China. However, in view of the development of low carbon technology projects, carbon trading business conduct itself exists certain risk, carbon financial system will also contain a high carbon enterprise business risk, carbon financial services of commercial banks and other financial institutions to provide is therefore faced with higher risk.In our country, the development of commercial bank's carbon finance is not mature, and its complicated and changeable factors, commercial banks to carry out carbon finance business are also facing many risks. Through a comprehensive and in-depth understanding of the risk involved in carbon financial activities, and then develop scientific and reasonable risk prevention measures, commercial banks in carbon finance business to earn more lucrative business profits. Therefore, specific and comprehensive analysis of commercial bank's carbon finance activities of risk causes, according to different sources of risk will classify carbon financial risk, on the calculation method of objective determining weights of different risk and establish a set of scientific and effective commercial bank's carbon finance industry provided the risk evaluation index system, in view of the proposed risk prevention and control measures has become the important issue in the commercial banks of our country in the field of carbon finance to be solved.In this paper, we first introduce the carbon finance and carbon finance related theoretical concepts and comparative analysis of the survey of domestic and international carbon financial activities at this stage,and then expounds the main form of domestic and foreign commercial bank carbon finance activities, and then put forward the carbon finance business risk management need to be involved in risk identification, risk assessment, risk prevention and risk control of three parts. For commercial bank's carbon finance business risk identification. This paper makes a concrete analysis of the our country at the present stage of carbon financial business of commercial bank risk causes, and from the Basel II framework risks specific to the general risk of carbon finance business of commercial bank, commercial bank's carbon finance business, commercial bank's carbon finance business and other risks of three aspects relative complete analysis of the carbon finance business is facing various kinds of risks. For the establishment of the carbon financial risk indicators system, this paper uses the entropy analysis method for primary screening and artificial neural network filter again combining comprehensive evaluation analysis method, finally draw the conclusion that the subjective weighting and evaluation method for quantitative analysis of the objective weight of carbon finance business in China's commercial bank risk evaluation index system after the expert qualitative analysis. Finally, according to the comprehensive evaluation model is established for our country commercial bank carbon finance business risk evaluation index system and evaluation index system of risk in the risk factors involved in, this paper presents corresponding prevention and control countermeasure of our country commercial bank carbon finance business risk suggestion, in order for our country commercial bank engaged in carbon finance business activities in science and effectively avoid risks to provide a reference.