Research On The Development Of Green-credit Business In X Commercial Bank

Today,Green and sustainable development has become the trend of the world.now when we open TV page and browse the WeChat,food safety,production safety,air pollution,water pollution and other news events one after another.It has been greatly enhanced that the whole society concern to overcapacity,environmental pollution,Resource depletion,ecological balance and so on.the promotion of green civilization,to achieve economic and social,human and natural development of the world has become a common consensus.Green-credit,through the guidance of funds flowing to energy-saving emission reduction,clean energy,low-carbon environmental protection,recycling green industry,to transform the traditional way of economic development,build a new engine of economic development,and promote the new normal economic and social development.How to develop green-credit business of X commercial banks,on the one hand can get long-term economic interests,on the other hand can reflect its active fulfillment of social responsibility,but also boost P city economic restructuring and upgrading.Based on the combination of theoretical analysis and practice,this paper expounds the theoretical basis of developing green credit,and analyzes the advantages and disadvantages,opportunities and challenges of X commercial banks to develop green credit business,put forward the corresponding countermeasures and suggestions.The main structure is:the introduction of the theory,summarizes the domestic and foreign green credit related research literature,theory and banking financial institutions to develop green credit business experience approach;business status part,introduced X commercial banks to develop green credit business status and the SWOT strategic environment analysis part,using swot analysis method,pointed out that the current X commercial banks to develop green credit business advantages,disadvantages,opportunities and challenges;countermeasures recommendations part of the X commercial banks for the development of green credit business problems and face The difficulties of green credit work,the establishment of effective incentive and restraint mechanisms to strengthen the green credit professional personnel training and construction,and actively expand the green credit market,innovation and financial products and services,strengthen the green credit risk control,for government support,efforts Expand the channel of information and other countermeasures and suggestions.