Research On The Dilemma And Countermeasures Of Green Credit In Commercial Banks

With the progress and development of social economy,environmental problems such as environmental pollution and resource depletion are becoming more and more serious.In June 1992,the first International Convention on addressing global warming was adopted in Brazil,Rio De Janeiro,the United Nations Framework Convention on climate change.In June 2003,the practice and rules of international project financing loans developed by a group of private banks-"Equator Principle" developed into an international standard for green credit.In 2007,the State Environmental Protection Administration of China,the people's Bank of China and the China Banking Regulatory Commission jointly issued the"opinions on the implementation of environmental protection policies and regulations to prevent credit risks",which marked the beginning of green credit in china.The G20 summit held in Hangzhou in September 2016 not only focused on green development,but also listed green finance as an important topic.Green credit,as an important economic means to adjust the capital flow and industrial structure,is being used more and more widely.This paper focuses on the dynamic evolution game analysis of green credit related subjects,the related policies of green credit in China,the SWOT analysis of green credit development in China,and the existing problems and countermeasures.Through the game analysis,the interpretation of the current state of green credit policy and the dynamic evolution of Industrial Bank,Bank of Suzhou,ICBC and other banking institutions of green credit practice case analysis,and SWOT analysis on the development of green credit Chinese,the green credit development has the following problems:1)policies and institutions:the lack of corresponding legal system;the lack of effective supervision and management system and the corresponding incentive and punishment measures;lack of environmental information sharing platform;2)commercial banks:the lack of understanding of the green credit;lack of unified standard operation of green credit;lack of professional and technical personnel and green credit;3)enterprise:enterprise weak environmental awareness,environmental information disclosure not timely;green credit and enterprise economic benefits in the short term conflict.According to the above questions,this paper put forward corresponding countermeasures and suggestions from the following aspects:1)to strengthen the protection and guidance of the government on the development of green credit Green Credit:perfecting the relevant laws and regulations;to strengthen the supervision and management system and incentive punishment mechanism construction;accelerate the construction of environmental information sharing platform;2)to strengthen the development of green credit of commercial bank itself Construction Bank:to improve the understanding,make green credit publicity;to strengthen communication and cooperation between banks,formulate a unified standard operation of green credit;strengthen green credit professional training,improve the management level of green credit;3)to strengthen the recognition and execution of enterprise green credit:to strengthen the awareness of environmental protection,compulsory information disclosure system;promote enterprise technical upgrading of products and green culture construction.