我国绿色金融的现状与发展瓶颈——基于消费金融和科技金融视角的破局思路  

The Status quo and Development Bottlenecks of Green Finance in China——Solutions based on the Perspective of Consumption Finance andTechnology Finance

作　　者：刘文文[1] 张畅 LiuWenwen;Zhang Chang

机构地区：[1]西华大学经济学院,四川成都610039

出　　处：《西南金融》2020年第11期35-45,共11页Southwest Finance

摘　　要：伴随着我国经济结构的全面转型升级,绿色金融的发展理念在金融行业得到确立,但近期也面临着新的挑战。文章首先梳理了我国绿色金融成长的脉络,以及当前绿色金融发展面临的主要困境;以此为基础,进一步分析了以消费金融和科技金融促进绿色金融发展的必要性,即需要通过绿色金融、消费金融和科技金融三者的协同配合,打通市场的供求信号传导路径,改变消费者的观念和行为,进而影响绿色金融的供求方式,改变整体金融格局,使得我国的绿色金融发展动力由政府驱动逐渐转为市场内生,以实现长期稳定发展;最后讨论了实践中以消费金融和科技金融促进绿色金融发展可能遇到的障碍,并提出了三者协同发展的建议。With the overall transformation and upgrading of China's economic structure,the development con⁃cept of green finance has been established in the financial industry,but it is also facing new challenges recently.The article first sorts out the context of the growth of green finance in China and the main difficulties faced by the current development of green finance.Based on this,it further analyzes the necessity of using consumption finance and tech⁃nology finance to promote the development of green finance.That is,through the coordination of green finance,con⁃sumer finance,and technology finance,it is possible to open up the supply and demand signal transmission path of the market,change consumers'concepts and behaviors,which can further affect the supply and demand mode of green finance,and change the overall financial structure.In this way,the development momentum of green finance in China will gradually turn from government-driven to market endogenous,thus can achieve long-term stable devel⁃opment.Finally,this article discusses the obstacles that consumer finance and technology finance may encounter in promoting the development of green finance in practice,and proposes suggestions for the coordinated development of the three aspects.

关 键 词：绿色金融 绿色信贷 科技金融 消费金融 需求激励 企业漂绿 可持续发展 供给侧结构性改革 

分 类 号：F832.0[经济管理—金融学] F830