Countermeasure Research On The Optimization Of The Green Credit System In China’s Banking Industry

With the rapid economic growth,environmental and social problems were brought out more frequently,the state began to focus on environmental protection and sustainable development.In recent years,green ideas has gradually gone into the people’s production and life,our government has promoted green development to the national strategic level,green credit which as an important part of the green economy has been concerned widely from the country and financial institutions.The development of green credit is conductive to energy-saving and emission reduction and environmental pollution reducetion.It is also speed up the transformation and upgrading of China’s economic structure.As the main body of green credit,the banking industry should add the management of environmental and social risks to the credit process,and prevent the joint and several liability risks caused by the enterprises to the banks.First,This paper elaborates the relevant theories of green credit and combines with the development status of China’s green credit system,and finds out the problems in the process of green credit practice in China’s banking industry.Second,selecting two representative bank — — China Development Bank and Industrial Bank to conduct a specific green credit case analysis.Finally,putting forward some constructive suggestions on the existing problems of the green credit system in China’s banking industry.