Research On Green Credit Of Commercial Bank Under The New Normal Condition

The deterioration of the global ecological environment has produced a series of important impacts on the economy and society.All countries in the world have adopted sustainable development as a new concept.China's economic development has entered a new normal and is in a critical period of transition from high-speed growth to high-speed growth.Developing green finance,guiding the gradual withdrawal of surplus production capacity,and achieving restructuring and rebalancing are among the most important tasks in development.With the promotion of government,financial industry and social forces,a large number of financial policies and financial products that are conducive to ecological protection have emerged.The scale of green finance has continued to expand.Under the new normal state,the green credit issue of commercial banks has become a key issue affecting the healthy development of the green economy.This article systematically studies the development of green credit in the context of China's new normal state.This article comprehensively uses comparative analysis methods,literature research methods,statistical comparison methods,and field research methods.It examines the green credit issue from multiple perspectives,summarizes its different characteristics of new development,and focuses on the analysis of the green credit faced by commercial banks under the new normal.Obstacles and causes,from the perspective of the government and commercial banks themselves,put forward the problem of the green credit of commercial banks under the new normal.This article is mainly divided into six parts: The first part mainly elaborates the background and research significance of the development of green credit,summarizes the domestic and international important views on the development of green credit;the second part elaborates the meaning of the new normal and green credit and its related theories.The third part summarizes the background and significance of China's commercial bank's green credit generation,policy evolution,overall status and typical cases,etc.,and analyzes the development status of China's commercial banks' green credit under the new normal;Both the internal and external aspects elaborated the problems and causes of the green credit of commercial banks in China;the fifth part discussed the development status of green credit of commercial banks in the four countries of UK,USA,Japan,and Germany,and analyzed the development countries can learn from.The advanced experience;the sixth part mainly proposes the countermeasures to promote the development of green credit from two aspects of the commercial bank itself and the external environment,and provides theoretical guidance for the development of China's green finance.The study of this article focuses on the actual situation and looks forward to the future.It is of great theoretical and practical significance for the development of green credit for commercial banks under China's new normal.