大数据时代下城市商业银行绿色债券的风险管理策略研究——以苏州银行为例

Research on Risk Management Strategies of Green Bonds of City Commercial Banks in the Era of Big Data—Taking Bank of Suzhou as an Example

摘要: 随着全球对环境保护和可持续发展的重视，绿色金融逐渐成为金融领域的重要组成部分。绿色债券作为一种重要的融资工具，在推动绿色发展方面扮演着不可或缺的角色。然而，对于城市商业银行而言，绿色债券的投资与发行伴随着特定风险，如市场风险、信用风险及流动性风险等。在大数据时代的背景下，如何有效识别、评估和管理这些风险，是城市商业银行面临的关键挑战。本文以苏州银行为例，探讨了大数据技术如何助力城市商业银行进行绿色债券的风险管理，为城市商业银行建立、完善绿色信贷机制提供有效思路，提升适应企业可持续发展的投资水平。

Abstract: With the global emphasis on environmental protection and sustainable development, green finance has gradually become an important part of the financial sector. As an important financing tool, green bonds play an indispensable role in promoting green development. However, for urban commercial banks, the investment and issuance of green bonds are accompanied by specific risks, such as market risk, credit risk and liquidity risk. In the context of the big data era, how to effectively identify, assess and manage these risks is a key challenge for city commercial banks. Taking Bank of Suzhou as an example, this paper discusses how big data technology can help urban commercial banks carry out risk management of green bonds, provide effective ideas for urban commercial banks to establish and improve the green credit mechanism, and enhance the level of investment that adapts to the sustainable development of enterprises.