Research On Bank X's Green Credit Risk Management

Green credit is the credit provided by commercial banks for the development of green economy.Green credit can guide the capital to environmentally-friendly enterprises,but also inhibit the emergence and development of the enterprises that pollute the environment to some extent.To the green credit,not only the loan profitability should be considered,but also the environmental protection and social responsibility must be included when the approval of green credit is decided,which makes the green credit risk more complex.However,green credit in China started relatively late compared with Western developed countries,and its development is not perfect.There are still many problems about the green credit risk management to be solved.Therefore,how to effectively carry out risk management is the top priority of the development of green credit.This paper applies the case analysis and selects X Bank as the research object,to understand the green credit risk management in 'pre-in-after loan' three stages of X Bank.Then,based on the theoretical research,this paper analyzes the process of green credit risk management and finds problems and causes.According to these problems and causes,this paper put forward feasible optimization solution of green credit risk management from the internal and external perspective.This paper is divided into six parts.The first part is the introduction,which describes the research background and significance,research content,literature review,research methods and innovation.The second part describes the concept of green credit,characteristics and risks,and related theoretical basis.The third part is the analysis of the development of green credit policy and business.The fourth part introduces the case of green credit risk management of A branch of Industrial Bank.The fifth part analyzes the problems and causes of green credit risk management of commercial banks.The sixth part puts forward the optimization solution of green credit risk management from the internal and external perspectives.