Research On The Development Of XY Bank’s Green Loan Under The Goals Of Achieving Carbon Peak And Carbon Neutralization

In September 2020,China clearly put forward the goals of achieving carbon peak in2030 and carbon neutralization in 2060.The proposal of the goals of achieving carbon peak and carbon neutralization shows China’s determination to accelerate green development.Green development is inseparable from the support of green finance.China’s financial system is dominated by banks,and green loans are the main force of green finance.On the one hand,it provides great opportunities for commercial banks to develop green loan business,On the other hand,it also puts forward higher requirements for commercial banks to develop green loan business.Therefore,in the future environment of the country’s implementation of the goals of achieving carbon peak and carbon neutralization,commercial banks need to further recognize the importance of corporate social responsibility,take more account of the ecological and environmental benefits,pay more attention to the green loan business and increase the amount of green loan business.As the first “equatorial bank” in China,XY bank has made great efforts in the field of green finance,and its green loan business has strong research significance.Through the research on XY bank’s green loan business,we can enrich the relevant literature and provide experience for other banks to develop green loan business.Firstly,this paper consulted the relevant research data of carbon peak,carbon neutralization and green loan at home and abroad,and found that domestic scholars generally believe that the proposal of the goals of achieving carbon peak and carbon neutralization has brought great opportunities for commercial banks to develop green loan business.Then,this paper sorts out the relevant concepts of carbon peak,carbon neutralization and green loan,reviews the development process of XY bank’s green loan business,analyzes the current situation of XY bank’s green loan business scale and product innovation,and points out some problems existing in XY bank’s green loan business:unbalanced development of green loan business,mismatch between risk and income of green loan projects,hidden dangers in green loan risk control Lack of professional carbon trading team and imperfect risk management system of green loan in business.Secondly,the SWOT—PEST analysis method is used to analyze the strengths,weaknesses,threats and opportunities of XY bank’s development of green loan business under the goals of achieving carbon peak and carbon neutralization.It is found that although industrial bank has some weaknesses and faces some external threats,industrial bank has great opportunities to develop green loan business with the support of national policies and the social recognition of the concept of green and low carbon,In the future,we should still vigorously develop the green loan business and contribute to the implementation of the the goals of achieving carbon peak and carbon neutralization.Finally,according to the problems existing in the green loan business of XY bank and the external threats faced by Industrial Bank and its own shortcomings in the SWOT—PEST analysis,this paper puts forward some suggestions,hoping to help XY bank solve problems,effectively deal with external threats,make up for its own shortcomings,and fully grasp the opportunities brought by carbon peak and carbon neutralization.