The Study On Green Credit Of Postal Savings Bank Of China Dalian Branch

With the accelerating speed of economic development, the quality of it should make further improvements. The world economy must transform its pattern from brown economy to a green one, from industrial civilization to ecological civilization, then goes into a low-carbon global economy to maintain sustained and healthy development. In this general background, the contradiction between the environment and the economic development is being gradually exposed. In order to get rid of the pattern of resource-wasting and environment destruction, our Party regards the change of the pattern of economic growth as the most important of all, in both17th and18th congress.However, the environmental control based on traditional administrative instruments has several drawbacks such as higher cost, lower efficiency and more ineffectuality, comparing with the one based on modern economic management tools. So developing new methods of environmental control which has both the flexibility of economic instruments, and the enforcement of administrative and legal instruments, becomes urgent and important.The green-credit policy is a general measure of environmental protection in international banking. It refers to enhancing the environmental protection related examination in construction, and supporting environmental protection and energy-saving projects to promote the sustainable development of financial industry. On July12,2007, the former State Environmental Protection Administration united People’s Bank of China and China Banking Regulatory Commission to jointly have issued several policies about the implementation of environmental protection and several regulations of preventing credit risks, proposed several methods and pointed out the scope of the green-credit policy. Then the green-credit policy has been fully activated. Many commercial banks and financial institutions responded positively and have launched the green-credit business, although it is still at the initial stage of development.This paper introduces the green-credit policy related definition, economic theories and literature review to analyze the important position in our country’s economic development, and the objective necessity in the development of the green-credit policy of Postal Savings Bank Of China Dalian Branch, along with both the macro and the micro environment to develop the green-credit policy in the low-carbon era. This context takes Postal Savings Bank Of China Dalian Branch as an example to analyze the obstacles and difficulties we may encounter in implementing the green-credit policy, and to solve these problems, this article will make some suggestions combined with successful experience at home and abroad, hoping to provide reference in making development route of Postal Savings Bank Of China Dalian Branch.