Green Credit Business Development Strategy Optimization Research For T Bank

With the development of China’s social economy and the improvement of national living standards,the government and the public are paying more and more attentions to environmental protection and resource conservation.President Xi Jinping pointed out that we should firmly embrace the development philosophy that "clear waters and lush mountains are invaluable assets",adhere to environmental protection,advocate resource conservation,ensure harmonious coexistence between human beings and nature,and achieve green and sustainable development.President Xi Jinping also put forward that "economy is the body while finance is the blood,and they coexist and prosper together",vividly depicting the importance of finance to the development of national economy.Therefore,it has become one of the core national development strategies to realize the green and sustainable development by effectively playing the guiding and promoting role of green finance.In this context,green finance will have broad development prospects and huge growth space,and banking financial institutions are expected to benefit from it.Therefore,how to carry out green finance business and how to promote the development of green credit business orderly and healthy are urgent problems for contemporary banking financial institutions.This paper combed the present research situation of green financial theories and the main achievements about green financial development at home and abroad.Then,combined with the development of green economy and green industry,the paper summarizes the development of green credit business in developed countries such as Great Britain,U.S.A and Japan,and then discusses the evolution process,development condition and problems of green credit business in China,and puts forward policy optimization suggestions for the development of green credit business in banking financial institutions.On this basis,the study focuses on the case of T bank’s green credit business development,expounds the achievements and problems of T bank in the development of green credit business,and uses analytical methods to study the advantages and disadvantages,challenges and opportunities faced by the development process of green credit business at the present stage.The conclusion is drawn to clarify the future development path of T bank’s green credit business.Furthermore,the research results are deepened and specific suggestions and measures are put forward to optimize the development strategy of T bank’s green credit business.