Study On Green Credit Products Innovation Of Gansu Bank

In recent years, increasingly serious environmental problems bring a great impact to people’s lives, the state and local government attaches great importance to environmental problems and promote all aspects of environmental protection. Commercial banks to implement green credit, not only is the response and support of national policy, it is an effective way to the commercial banks to fulfill their social responsibilities. In this paper, Gansu bank for the study, analysis of the green credit product innovation. At the national advocate "green development, cycle development, low-carbon development" in the background, in the critical period of economic transition across Gansu development, through the implementation of green credit, Gansu circular economy and low-carbon economy to provide financial leverage on Gansu banks, both good fulfill social responsibility, a good social image, the relevant market has attracted customers, increase profits. Gansu bank credit through active and innovative green products, the reasonable control of credit risk associated with the guarantee mechanism to make green credit as its new profit growth point.In this paper, the current status of the development of green credit, and regional characteristics of China’s Gansu province’s economy, raised green product innovation strategy Gansu bank credit for Gansu Province in recent years in the green industry development plan, proposed collateral loans, factoring financing, financial advisers and the introduction of international mechanisms and other types of risk innovative product design, and proposed further development of green credit protection measures to ensure green Gansu bank credit to stabilize quickly developed from four organizational structure, management systems, personnel and corporate culture.