Research on the Risk Management of Commercial Bank Green Bonds under the "Dual Carbon" Goals

Abstract

Against the backdrop of the "carbon neutrality and carbon peak" dual carbon goals, as mentioned in relevant studies, the importance of green bonds to the sustainable development of commercial banks has become increasingly prominent and has become a key financial means to promote their green development. This is an important feature of the green finance field at the current stage of development. However, there are certain risks in using green bonds as a green financial tool at present, and these risks may stem from various factors such as market uncertainty and project complexity. Therefore, research on the risk management of commercial bank green bonds is not only an inevitable choice for commercial banks to achieve sustainable development but also a key link in ensuring China's social and economic development. The research results will have a profound impact on the financial industry and the overall economic situation. The proposal of the dual carbon goals has not only provided new opportunities for the development of green bonds, such as attracting more social capital to invest in green projects, but also provided a new direction for the risk management of commercial banks, prompting banks to shift from traditional risk assessment to comprehensive risk management that combines environmental and social factors. This paper aims to analyze the new development opportunities for commercial banks under the dual carbon goals, explore the significance of commercial bank-issued green bonds in promoting the achievement of the dual carbon goals, as well as their mutual effects, and elaborate on the specific paths through which green bonds empower the risk management of commercial banks. Meanwhile, this paper will put forward relevant development suggestions for commercial bank risk management, with the expectation of providing references for commercial banks to build exchange rate risk management systems.