The Investigation Report Of Everbright Bank Practice Green Credit System

Green credit system is the national implementation macroeconomic regulation and control of a kind of environmental economic measures,namely the country through policy planning and guidance,encourage Banks and other financial institutions to the poor environmental condition of the enterprise and project refused to provide credit support,and to take corresponding measures to recover have loans,at the same time,green credit provides more preferential credit support project to the enterprises engaged in the green economy and protect the ecological environment.Implementation of green credit system is not only beneficial to promote the economic sustainable development,protect the ecological environment,but also helping commercial Banks to strengthen risk management,improving the commercial Banks operating performance and gaining more socialidentity,enhancing international competitiveness.Since 2010,Everbright bank,which is becoming China's first carbon-neutral bank,is actively practicing the Green finance development idea,and starts from oneself,green financial products innovation,and constantly enhancing the support for green credit system,greatly promoted the protection of the ecological environment and the development of energy conservation and environmental protection industry.Everbright bank to setting up the concept of Green finance development idea,strengthening the construction of organization system,reforming of banking system and its processes and providing greencredit guarantee has obtained certain experience,which is worth promoting.From Everbright bank green credit system.In the process of practice,the Everbright bank is facing the green credit non-performing loan ratio rising,green credit on a smaller scale and unreasonable structure of green credit problems.The causes of these problems are: the Everbright bank understanding of green credit is not comprehensive,green credit business organization structure is not sound,green credit business insufficient resources and green credit policy and law system is not perfect,and many other reasons.Aiming at the problems faced by this hand to China,Everbright Bank to accelerate their own development and improvement: to further deepen the development of green credit concept,improve the green credit management mechanism function introduction and cultivation of professional talents;on the other hand,the national policy also need to improve the relevant legal system construction,perfecting the legal system of green credit the communication mechanism,strengthen the green credit incentive environment information system construction,improve the green credit legal supervision system,finally realize the development of the green credit.