Research On The Optimization Of Green Credit Performance Of Industrial Bank Under The Background Of Dual Carbo

Due to the rapid growth of Chinese economy in recent years,environmental pollution has become a social problem that can not be ignored.Therefore,it has become an urgent task to promote sustainable development of society and realize green and low-carbon development.Among them,the development of green credit in commercial banks is particularly noteworthy.Especially in the context of "carbon peak carbon neutral" goal,green credit business ushered in new development and opportunities.Although China’s green credit business started much later than other developed countries,the government and banks are still actively promoting its development and have promulgated a series of laws and regulations to strengthen its supervision.As the first equatorial bank in China,Societe Generale has gradually developed from a green bank to a green group,launching a number of green credit businesses and leading the development of the entire industry.The Circular on Issues Related to the Implementation of Credit Policies and Strengthening Environmental Protection was first issued by the People’s Bank of China in 1995,and since then,the government has issued a series of policies on green credit,the Opinions on Implementing Environmental Protection Policies and Regulations to Prevent Credit Risks was issued by the Environmental Protection Administration,the Central Bank and the CBRC in July 2007,the Green Credit Guidelines was issued by the CBRC in February 2012,and the Guiding Opinions on Building a Green Financial System" was issued in August 2016,and Xi Jinping proposed that economic development should strive to be green and low-carbon so as to ensure high-quality development.Commercial banks actively implement the concept of green development and develop green credit products in the process of carrying out green credit,making positive contributions to promoting ecological civilization and building a beautiful China.This paper adopts various methods such as literature research,empirical analysis and analysis to study the green credit business of Industrial Bank.Starting from the concept of green credit,this paper expounds green credit,equator principle,sustainable development,environmental risk management of commercial banks and business performance theory,and explains the basic theoretical support issues.Secondly,combining the green credit policy issued in recent years,this paper analyzes the insufficient development of the green credit in our country:the balance of the green credit is relatively low,the statistical standard is not uniform,the incentive and subsidy mechanism is imperfect,the green credit product needs to improved and the lack of talented person.By combing the literature,this paper finds that the academic community does not have the same understanding on whether green credit improves the operating performance of banks.Therefore,this paper first constructs the panel model the Angle of commonness,and carries out empirical analysis on the operating performance of 28 Chinese commercial banks caused by green credit.Secondly,on the basis of commonness,Industrial Bank with better development of green credit is selected for research.We can get useful inspiration from both the government and the bank,so as to promote the continuous optimization of Industrial Bank’s green credit performance.