“双碳”目标下家庭绿色消费信贷发展的长效机制研究  

Research on the Long-Term Mechanism of Household Green Consumption Credit Development

作　　者：唐红娟[1] TANG Hongjuan

机构地区：[1]中华女子学院(全国妇联干部培训学院)管理学院,100101

出　　处：《中华女子学院学报》2024年第5期45-53,共9页Journal of China Women＇s University

基　　金：中华女子学院(全国妇联干部培训学院)重点科研课题“‘双碳’目标下家庭绿色消费信贷发展的理论基础与长效机制”的阶段性成果,项目编号:KY22-0205。

摘　　要：“双碳”目标引领下,低碳成为绿色金融发展的重心,而家庭消费是碳排放的最主要来源。发展家庭绿色消费信贷,在“消费需求端”运用金融手段,将信贷资金投向居民家庭绿色消费行为,在鼓励家庭绿色消费、促进碳减排的同时,倒逼和引领“生产供给端”绿色转型,进而推动生产生活方式转变。目前,我国家庭绿色消费信贷相关政策体系不断完善、市场稳步发展、业务实践持续创新,但整体上仍处于起步阶段,在认知践行、标准评价、碳核算、信息披露和金融科技等方面还存在一些现实障碍,需要从政府、市场、社会和家庭层面加快构建长效机制,助力“双碳”目标实现。Under the"Double Carbon"target,low carbon has become the focus of green finance development,and household consumption is the main source of carbon emissions.To develop household green consumption credit,it is necessary to use financial means on the"consumption demand side"to channel credit funds into green consumption behavior of households,while encouraging household green consumption and promoting carbon emission reduction,to force and lead the"production and supply side"of green transformation,and then promote the transformation of production and lifestyle.Currently,China's family green consumption credit policy system continues to improve,the market is developing steadily,and the business practice is continuously innovated,but as a whole,the system is still in the initial stage,and there are still some practical obstacles in cognitive practices,standard evaluations,carbon accounting methods,information disclosure mechanisms and the use of financial technology.In order to help achieve"Double Carbon"target,the establishment of long-term mechanisms needs to accelerate at the government,market,social and household levels.

关 键 词：绿色消费信贷 绿色金融 绿色消费 家庭碳排放 

分 类 号：C913.68[经济管理]