Research On The Current Situation And Problems Of Green Credit In China 's Banking Industry

Since the 18 th century industrial revolution,industrial civilization has been rapid development,economic and social development have developed to a new height,but at the same time human also paid a painful price.Environmental pollution,resource depletion,ecological damage and other environmental problems are seriously hindered the further development of mankind.In C hina,the reform and opening up makes the economy has been rapid development,but also brought a lot of problems,irrational industrial structure,serious environmental pollution,resources can not be effectively used,ecological balance is destroyed.In order to make the economic environment coordinated development,the world's attention to environmental protection is increasing,in the global context,the sustainable development of economy,green development has become a consensus.In the case of environmental protection policy is not very obvious circumstances,people began to look from the norms of the production process to the source of funding norms.Green credit is to ask the bank in the enterprise credit approval process to join the assessment of corporate environmental risks,environmental risk as an important threshold for credit access,in order to indirectly eliminate the possible environmental problems of enterprises.Based on the development of green credit,this paper expounds the connotation and characteristics of green credit,and expounds the superiority of developing green credit from three aspects: economy,society and ecology.Secondly,it reviews green credit from both national and local levels Related policy in C hina's development process.Then the research on the development status of green credit in China's banking industry is carried out.The necessity of implementation,the scale of business and the policy content of major banks are analyzed and analyzed,and the strategic choice is made based on SWOT analysis.At the same time,it summarizes the practical experience of foreign green credit and puts forward some suggestions on the development of green credit in C hina's banking industry.