自《京都议定书》正式生效以来,构建完善的碳金融体系逐渐成为各国应对气候变化、发展低碳经济的核心支柱。本文在分析当今我国商业银行发展碳金融中间业务的机遇与挑战的基础上,对相关业务情况与几种主要产品进行梳理与比较,为商业银行探索碳金融这一新兴业务领域在产品设计与市场营销方面提供参考与抓手。 Since the entry into force of the “Kyoto Protocol”, building a sound carbon finance system has gradually become a core pillar for countries in coping with climate change and developing a low-carbon economy. Based on the analysis of the opportunities and challenges of China’s commercial banks in the development of carbon financial intermediary business, this paper sorts out and compares the related business situations with several major products, and explores the new business areas of carbon finance for commercial banks in product design and market Marketing provides a reference and grasp.