Modern Economics & Management Forum

The dual strategic context of low-carbon transition and Hainan Free Trade Port development has created vast opportunities for commercial banks to advance green finance. With its unique "green carbon + blue carbon" resource endowment and robust green finance demand, Hainan Free Trade Port presents significant challenges for commercial banks, including homogeneous product portfolios, insufficient cross-border service capabilities, weak risk management mechanisms, and incomplete professional support systems. Drawing on policy requirements from the "Implementation Plan for High-Quality Development of Green Finance in Banking and Insurance Sectors" and industry best practices, this study proposes optimization pathways for commercial banks' green finance development across four dimensions: innovative product design, cross-border financial expansion, enhanced risk control, and professional capacity building. These recommendations aim to provide theoretical insights and practical support for free trade port banks to seize green development opportunities and contribute to the construction of a low-carbon island.