A Study On The Development Of Green Credit In China 's Commercial Banks

Along with the sustained attention of all countries in the world on the protection of the ecological environment and the increasingly attention, to achieve sustainable economic and social development has become a new idea and a new consensus worldwide. In recent years, vigorously support the development of "green economy" has gradually become the new trend of international financial industry, In the trend of the guide and promote a variety of ecological and environmental protection, to promote green economic and financial policy and green financial products have sprung up. Green credit to promote energy saving and environmental protection such as quick and effective green industry development, which inevitably attracted widespread attention and focus on various aspects of the society.Green credit requirements of the banking financial institutions to extend credit to enterprises or projects in the process of accession to the environmental information audit, guard against the possibility of potential environmental risk. Compared with the foreign financial institutions in the banking industry mature development of green credit system and improve the system of green credit products, domestic financial institutions in the banking industry in the development of green credit business is still in the initial stage of rising up, it still has a lot of problems. This article from the concept of green credit policy, the theory research on the current domestic and foreign to the detail, and from the three aspects of social benefit, ecological benefit and economic benefit of focusing on the analysis of the importance of green credit business, and then from the present situation of commercial banks practice green credit of our country, find out the existing problems the current practice in the process of drawing on the advanced experience of foreign commercial banks in the development of green credit, have put forward the relevant countermeasures and suggestions of China’s commercial banks to effectively carry out the green credit.