Research On The Operation Mode And Risk Management Of Carbon Asset Pledge In Commercial Banks

In September 2020,the "Fourteenth Five-Year Plan" clearly put forward the double-carbon goal of achieving carbon peak in 2030 and achieving carbon neutrality in 2060.The proposal of the double-carbon goal shows the role of China as a major country in promoting the transformation of economic development mode,and also puts forward higher requirements for enterprise emission control and emission reduction activities.The transformation of economic development mode can not be separated from the support of green finance.Green development brings opportunities for commercial banks to develop green loan business,but also puts forward higher requirements for commercial banks to shoulder more social responsibilities to help achieve the double-carbon goal.With the smooth implementation of the pilot work of carbon emissions trading in various regions,the national carbon emissions trading market will also be opened in 2021.In order to promote the energy conservation and emission reduction of enterprises,the commercial banks’ innovative green credit business-carbon asset pledge business has entered people’s vision.However,unlike the rapid growth of the balance of green credit loans,the carbon asset pledge business may bring various losses to commercial banks due to the particularity of the pledge,thus showing a weak growth trend.Based on this background,it is necessary to discuss how to develop the carbon asset pledge business operation mode and risk management of commercial banks to promote the smooth development of carbon asset pledge business of commercial banks.This thesis takes the carbon asset pledge business of Industrial Bank as the research object,adopts the literature analysis method,case analysis method,fuzzy comprehensive evaluation method and comparative analysis method,and takes the concept and relevant theories of carbon asset pledge business as the research starting point;Introduce and analyze the overall development of carbon asset pledge business of domestic commercial banks from the perspective of development status,relevant policies and loan landing projects;Introduce the case of Industrial Bank,introduce the bank and carbon asset pledge business,analyze the financing mode and operational risk of the bank’s carbon asset pledge business,and analyze the risk management gap under the current operation mode;Compare the carbon asset pledge business with the traditional pledge business,analyze the special risks existing in the carbon asset pledge business,build the risk evaluation index system,draw the conclusion that the current carbon asset pledge business is in the middle risk stage through the fuzzy evaluation method,and analyze the loopholes existing in the current risk management mode of Industrial Bank;And compared with the relatively well-developed European and American countries and the relatively well-developed intellectual property pledge business in China at present,it puts forward optimization suggestions for the operation mode of carbon asset pledge business of domestic commercial banks;Finally,the article is summarized.The study proposed that commercial banks could achieve the risk management and diversification of carbon asset pledge business through the "double pledge" system,the introduction of third-party institutions,the establishment of professional talent teams,the promotion of the development of carbon trading futures market,and the construction of carbon asset pledge business risk assessment system,and proposed that China should speed up the unified process of carbon asset pledge business system,improve the carbon trading market system,and increase carbon financial support at the macro level.It is hoped that this thesis can help Chinese commercial banks to carry out carbon asset pledge business.