摘要：随着全球气候变暖，世界生态环境的日益恶化，发展低碳经济已成为大势所趋，在此背景下，作为各国经济核心的金融业，必须积极探索出一种新的经济增长模式。2005年，旨在减少碳排放量，使人类免受气候变暖的威胁的《京都议定书》正式生效，促成了无形的碳交易市场，近年来，以绿色信贷、碳金融等为代表的绿色金融也应运而生。然而目前在我国绿色金融仍然是新兴事物，其发展还处于低级阶段，这与我国在国际上最大的碳排放权卖方地位极其不符。因此，对低碳经济背景下我国商业银行经营创新进行研究不仅具有深刻的理论意义，还具有重要的实践意义。低碳经济与商业银行的关系是相辅相成的，商业银行为低碳经济的发展提供融资帮助，低碳经济的发展促进商业银行的经营创新。本文中指出了我国商业银行在经营管理中存在的一些问题，并详细阐述了发展低碳经济在促进我国商业银行经营创新研究方面所发挥的积极作用，低碳经济推动我国商业银行在风险管理体系、业务发展模式、金融产品开发等多个方面进行创新突破的进程，增强商业银行的综合竞争力，促进其在低碳经济蓬勃发展的背景下实现可持续的全面发展。
关键词：低碳经济；绿色金融；碳金融；绿色信贷；商业银行；经营创新
ABSTRACT：With global warming, the world's ecological environment deteriorating, the development of low-carbon economy has become the trend of the times, in this context, as the core of the financial sector of the national economy , we must actively explore a new model of economic growth. In 2005, the Kyoto Protocol came into effect ,which is aimed at reducing carbon emissions to protect human from the threat of climate warming, it contributed to the invisible carbon trading market .in recent years, The green credit, carbon finance as the representative of the green finance also emerge as the times require. However, green finance is still a new thing in China, and its development is also in the low-level stage, which is extremely inconsistent with China's largest international carbon emissions Seller status. Therefore, under the background of the low-carbon economy , China's commercial Banks business innovation study not only has profound theoretical significance, but also has important practical significance. The relationship between low-carbon economy and commercial banks are complementary to each other, Commercial banks provide financial help for the development of low- carbon economy, and the development of low-carbon economy promotes the business innovation of commercial banks. This article points out some problems existing in the operation and management of commercial banks in china, And elaborates the positive role that the development of low-carbon economy plays in promoting the research on management innovation of Chinese commercial banks .Low-carbon economy promotes the innovation and breakthrough of China's commercial banks in the aspects of risk management system, business development model, financial product development and so on, enhances the comprehensive competitiveness of commercial banks, and promotes the comprehensive and sustainable development of commercial banks in the context of low-carbon economy booming.
Keywords: Low-carbon Economy; Green Finance; Carbon Finance; Green Credit; Commercial Banks; Management Innovations
根据本文的写作思路，本文共分为六个部分：
第一部分，绪论。绪论部分共包括研究背景及意义、国内外研究现状、研究方法与技术路线、研究内容与框架以及本文创新点与不足之处共五个小节。通过对选题原因、研究价值、国内外研究探索情况的简单介绍进一步引出本文的研究议题。
第二部分，低碳经济在我国的发展。这个部分除了简单介绍低碳经济和低碳经济在我国的发展情况外，也引出了低碳金融等相关概念。
第三部分，低碳经济与商业银行的关系。这一部分探讨了发展低碳经济与我国商业银行相辅相成的关系。商业银行为低碳经济的发展提供融资帮助，低碳经济的发展为商业银行的进一步发展提供不竭动力与广阔的发展空间。
第四部分，我国商业银行经营中存在的问题。简单的介绍了目前我国商业银行在经营管理中存在的不足和有待进步的方面。
第五部分，发展低碳经济，促进商业银行经营创新。结合商业银行经营管理中存在的问题，详细阐述了低碳经济在促进商业银行经营创新方面起到的积极作用，低碳经济的发展为商业银行的经营模式转型提供了契机。
第六部分，结论与展望。最后基于本文的主要内容，高度概括出本文的结论，指出本文研究内容的不足之处和展望。
