Research On Risk Management Of Carbon Asset Pledge Credit Business Of Bank X

With the continuous promotion of ecological civilization,China is paying more and more attention to various environmental problems caused by excessive consumption of natural resources in the pursuit of rapid economic development.Through the role of financial benchmarking to optimize resource allocation,exploring green credit has become a new business for many banks.In order to promote the energy conservation and emission reduction of enterprises and realize the common prosperity of ecological and economic development,the Carbon Asset pledge credit business came into being.Under the voluntary emission reduction trading mechanism,the Carbon Asset pledge credit business regards the certified emission reduction as a kind of asset that can be used for pledge,and regards the energy conservation and emission reduction as the premise of the sustainable development of the enterprise,so as to guide the enterprise to attach importance to environmental protection.Different from the traditional commercial bank credit,the Carbon Asset pledge credit business based on the voluntary emission reduction trading mechanism will bring all kinds of unpredictable risks to the bank due to the particularity of projects,pledged goods and other matters,which makes the implementation of the business face more severe challenges.However,China’s Carbon Asset pledge credit business started late,the process is not perfect,the theoretical research on the risk management of the business is relatively small,the practice of the business risk management also has many problems to be further explored.Therefore,based on the above background,how to effectively carry out risk management is the top priority for commercial banks to develop Carbon Asset pledge credit business.This paper takes the risk management of bank X in the process of implementing the Carbon Asset pledge credit business as the research object,using case analysis,literature research and quantitative analysis,starting from the concept of Carbon Asset and Carbon Asset pledge credit business and the related theories involved in the Carbon Asset pledge credit business,and introducing the case of bank X to carry out the risk management of bank X and its carbon asset pledge credit business This paper introduces the challenges brought by the particularity of the business to bank X,and then evaluates the risk level under the current risk management of the business through AHP fuzzy evaluation method to verify the effectiveness of the risk management,and then infers the problems existing in the risk management of bank X’s Carbon Asset pledge credit business based on the resultsof the risk verification,and then analyzes the causes of these problems And then,according to these problems and their causes,put forward targeted management countermeasures.Finally,the research content of this paper is summarized.The research of this paper has certain practical significance and reference value for commercial banks to better carry out risk management in the process of implementing Carbon Asset pledge credit business.