Research On The Risk Assessment Of Carbon Finance Of China's Commercial Banks

In order to solve environmental problems,all countries of the world began to fight for energy saving and emission reduction.They launch carbon emission trading,and seek for balance between economic development and environmental protection.As a country with high carbon emissions,the development space of carbon financial market will be very large.Carbon finance has become a new field of competition among domestic financial institutions,and the risk of carbon financial business has become a new focus of commercial banks.Researching the risk of carbon financial business can help the development of carbon finance greatly.First,the article combs the background,significance,research status at home and abroad,research contents,methods,and expounds the related theories of carbon finance,learn about the different perspectives of the carbon financial business to lay a theoretical foundation for later research.Secondly,it analyzes the current situation and the causes and categories of the development of carbon finance of China's commercial banks,it can be seen that the development of carbon financial business are rapid and the form is single from the current situation of carbon emission trading,green credit and the energy saving and environmental protection.Then,it introduces the risk categories of carbon finance development of China's commercial banks based on the risk causes,laying the foundation for the following indicators.Thirdly,the article builds risk index model of carbon financial business of commercial banks,and the risk level is analyzed empirically.The influence degree of the index system is judged by the Delphi method.Entropy weight method is the screening of the above indexes,the AHP model is the comprehensive evaluation analysis of the indexes,and it uses Matlab2016 to calculate the result,then the degree of the risk will be concluded:the market interest rate risk,the financing debt non performance risk and the loan shortage risk belong to high risk,but the influence of other risks should not be underestimated.Finally,this paper puts forward some suggestions to prevent the risk of carbonfinancial business based on the analysis of the empirical results,the two mainly aspects are the government laws and regulations and the internal operation of enterprises.