The Development And Innovation Research About Green Credit In China's Banking Industry

Under the background of global warming, environmental protection and climate change have become increasingly important issues. "Low-carbon economy", based on low energy consumption and low pollution, has become a global hot spots. China's banks want to follow the trend of this international development, so the green credit is such an innovative financial means in our financial field.Taking the green credit's development and innovation in our country's banking industry as the objects, my study has certain theory value and practical significance.In this paper, its research methods are case analysis, SWOT analysis and comparative analysis. It first elaborates the basic theory related to the green credit, and then it analyzes the development and innovation of green credit in developed countries now, especially the golden rule of international green credit-Equator Principles. It discusses that domestic policy banks and commercial banks have developed and innovated the green credit differently under the same policy. Then it takes Industrial Bank which is domestic green credit's forerunner for example, and elaborates its development and innovation practice,and analyses Industrial Bank's achievement and shortage in its process and then proposes some suggestions to improve its shortage. In the end, it gives our country's banking some inspirations and references from Industrial Bank.After in-depth research,I believe:First,developed countries have walked in the front row of the practice. However, our domestic policy banks and commercial banks have already made some progress, simultaneously need study some advanced ideas and methods from the overseas. Second, Industrial Bank has made a series of progresses in the financing projects, service patterns and systems of the green credit, as a result it has set up the competitive advantage and should choose the multiplex strategy in the future.Third, Industrial Bank has its successful experience and the deficiency in its process, and our banking industry should make joint efforts from internal and external aspects to enable the green credit to obtain the considerable development.