商业银行风险应对要走在市场曲线前面——关于碳中和目标下主动性信贷退出问题的探析  

Commercial Bank Risk Response Must Be Ahead of the Market Curve—Analysis on Active Credit Withdraw Under Carbon Neutral Target

作　　者：郭小平 连育青 GUO Xiao-ping;LIAN Yu-qing(Quanzhou University of Information Engineering,Quanzhou 362008)

机构地区：[1]泉州信息工程学院

出　　处：《财务与金融》2021年第3期1-5,共5页Accounting and Finance

摘　　要：主动性信贷退出是商业银行信贷风险管理的高级阶段,随着碳达峰、碳中和目标的持续推进,我国产业结构正在深刻调整,商业银行贷款质量面临着严峻的挑战,主动性信贷退出迫在眉睫。本文从分析碳达峰、碳中和双目标下主动性信贷退出的导向入手,分析商业银行准确把握信贷退出的时机和策略,并提出建立和完善主动性信贷退出机制的对策和建议,以保障信贷退出的顺利实施。Active credit withdrawal is the advanced stage of credit risk management of commercial banks.With the continuous advancement of carbon peak and carbon neutral target,China's industrial structure is deeply adjusting,the loan quality of commercial banks is facing serious challenge,and the active credit withdrawal is imminent.This paper starts with analyzing the guidance of active credit withdraw under the dual goals of carbon peak and carbon neutral,analyzes the timing and strategy of commercial banks,and puts forward countermeasures and suggestions to establish and improve the active credit withdraw mechanism to ensure the implementation of credit withdraw.

关 键 词：风险应对 商业银行 市场曲线 主动性 信贷退出 

分 类 号：F830[经济管理—金融学]