Research On Optimizing The Green Credit Strategy Of Commercial Banks

Since the reform and opening up,China's industrialization and economic development have made remarkable achievements,but similar to other developed countries,with the continuous progress of industrialization,environmental pollution has become increasingly prominent,and has gradually become one of the major factors that seriously restrict the sustainable development of domestic economy and society.Therefore,vigorous development of green credit is a practical measure to encourage and guide the inflow of funds into enterprises and institutions that promote environmental protection and achieve coordinated and sustainable development of economy and environment.Based on the theory of green credit and the advanced practices abroad,this paper makes a detailed analysis of the necessity and strategy of developing green credit for commercial banks in combination with the theoretical knowledge learned during the postgraduate period.At the same time,it chooses the development of green credit of HD Branch of Agricultural Bank of China to study,analyses the existing problems in the development,and puts forward the advantages based on its own experience and the current situation in China.Suggestions for improvement are as follows:(1)At present,China is in an important period of industrial restructuring.Commercial banks should keep pace with the times,attach great importance to this opportunity and fully participate in the market.Through learning the advanced experience and practices at home and abroad,we can train a team of people who understand business and product risks,speed up the innovation of green credit financial products,and provide more preferential and comprehensive financial services for the market.(2)Domestic commercial banks should establish a unified and scientific evaluation system,standardize green credit industry policies,innovate business products,and improve risk management system,and provide comprehensive green credit services for the whole society through multi-party cooperation.(3)The government and regulatory authorities should speed up the legal construction of green credit,improve the financial ecological environment,open the channels of information sharing between financial and environmental protectionsystems,and improve the reward and punishment mechanism to provide a more transparent and fair market environment.ince the reform and opening up,China's industrialization and economic development have made remarkable achievements,but similar to other developed countries,with the continuous progress of industrialization,environmental pollution has become increasingly prominent,and has gradually become one of the major factors seriously limiting the sustainable development of domestic economy and society.Therefore,vigorously developing green credit is a feasible measure to encourage and guide the inflow of funds into enterprises and institutions to promote environmental protection and realize the coordinated and sustainable development of economy and environment.