Research On The Green Credit's Risk Management Of Commercial Bank In China

Practice has proved that puting forward green credit and the development of green credit further perfect credit system of commercial bank, Increase profitability and reduce credit risk in bank .at the same time support strongly to the society to decrease environmental pollution, protected the ecological equilibrium, achieve economic and ecological society. Although green credit is beginning to show results, we should find that the development of green credits is short, green credit is faced with the general financial risks and special implied financial risks in the operation and management. in order to prevent the credit risk caused by environmental risk effectively, during the sustainable development process in promoting economic and ecological environment conservation,to achieve the bank's own healthy development. To protest the bank's assets,to stabilize the financial order, to prompt the sustainable development of the bank, research on how to effectively prevent financial risks of green credit is of great theoretical and practical significance.The thesis uses Marx's bank capital and financial risks theory as guidance; draws on western economics financial risk management theory, and the rational factors of the financialriskmanagement;Usingqualitative analysis with quantitative analysis ,theoretical analysis with empirical analysis and macro-analysis with micro-analysis combination of methods to define the green credit and the specialty of greencredit, The thesis described financial risks of green credit and the performance of financial risks of green credit, analyzes the external causes and internal causes of financial risks of green credit. Then overviewing the successful experience of risk management of green credit in foreign countries,and summarizing some enlightenment for our country. At last, gives the Specific suggestions on How to construct suitable pre-warning mechanism and how to prevent risk management of green credit in China.