Research On GKQ Bank Construction Of Risk Assessment System Of Green Credit Business

With the proposal of "3060" carbon peak and carbon neutralization policy,the importance of green finance is becoming more and more obvious.As one of China’s important strategies,the construction of ecological civilization needs the support of green industry.Therefore,in recent years,China has continued to pay attention to green sustainable development in order to realize the high-quality development of China’s economy.As an important development financial institution,GKQ bank has a natural sense of mission to the national strategy.Therefore,green credit has developed rapidly in recent years.By screening high-quality customers,GKQ bank has established risk management evaluation and risk management strategies for green credit business,so as to promote the progress of green credit and provide effective support for the realization of "3060".Based on the above background,this paper takes the risk evaluation of green credit business as the research direction,combined with the current situation of green credit,the current situation of risk evaluation and existing problems,focuses on the risk indicators of green credit pre loan,in loan and post loan links of GKQ bank,determines the weight of risk factors,and determines the risk management strategy and safeguard measures.The main achievements are as follows: first,systematically analyze the risk evaluation status and existing problems of branch green credit in combination with the current development characteristics and risk evaluation mode of branch green credit;Second,by means of questionnaire survey and supplementary interview,the main risk points faced by the branch’s green credit are extracted,and the risk evaluation system of the branch’s green credit is constructed through a series of risk points;The third is to carry out stratification on the basis of the risk evaluation system,and use the fuzzy analytic hierarchy process to rank the risk factors at different levels,so as to get the total influencing factor results;Fourth,according to the above analysis,the effectiveness analysis is carried out in the case of company A.At present,the risk evaluation system is very important for the development of banks and the foundation for the sustainable development of banks.This research can provide reference and support for the healthy development of green credit of GKQ bank,and has a certain reference significance for development financial institutions to serve the national green strategy and support the sustainable development of green credit.