Research On Green Credit Development Strategy Of Yinghuai Rural Commercial Bank Under The Background Of Dual Carbon

China’s goal of achieving carbon peak and carbon neutrality(hereinafter referred to as "dual carbon")concerns not only the balance of human destiny and intergenerational interests,but also the transition of national economic development and growth power,local economic transformation and industrial restructuring,and the upgrading of enterprise production mode and the optimization of individual concept of life.At present,as an important part of green finance,green credit has begun to take shape.However,compared with achieving the goal of carbon neutral development,green credit still has shortcomings such as lack of information disclosure,lack of incentive mechanism,not deep green concept,and imperfect use of technical means.These problems restrict the role of green credit to a certain extent.In this context,this paper takes Yinghuai Rural Commercial Bank as the research object to study and explore the development strategy of green credit.On the basis of sorting out and classifying the relevant theories of green credit,this paper discusses the current situation of green credit development of Yinghuai rural commercial Bank,and summarizes the problems of green credit business of Yinghuai rural commercial Bank through questionnaire survey,such as single product type,lack of professional talents,insufficient publicity and insufficient technical means.SWOT analysis tool is used to analyze the advantages,disadvantages,opportunities and challenges of Yinghuai Rural Commercial Bank in the development of green credit business.Based on the analysis results,it is proposed that Yinghuai rural Commercial Bank should adopt growth development strategy.Based on the analysis results,the paper designs the strategic thinking,principles and objectives of Yinghuai Rural Commercial Bank’s green credit development strategy,and puts forward the development strategy measures.Finally,in order to ensure the effective implementation of the strategic measures,the paper puts forward three specific safeguard measures:constructing the characteristic innovation mechanism,perfecting the risk management system and establishing the talent training incentive mechanism.This paper elevates green credit to the height of bank strategic development.Through research and analysis,it designs a strategy suitable for green credit development of Yinghuai Rural Commercial Bank,which will help Yinghuai Rural Commercial Bank play a greater role in serving and guiding the local real economy and supporting industrial transformation and upgrading.At the same time,this paper will enrich the academic achievements related to the formulation of green credit strategy,and may provide some inspiration for the development of green credit business of rural commercial banks with similar problems.