Research On Development Countermeasures Of Green Credit In Heilongjiang Branch Of J Bank

China's economy has shifted from a stage of rapid growth to a stage of high-quality development.The 18 th national congress of the communist party of China(CPC)proposed that ecological civilization construction should be given a prominent position,with emphasis on promoting green,circular and low-carbon development.The fifth plenary session of the 18 th CPC central committee also positioned "green" and "innovation,openness,coordination and sharing" together as "five development concepts".For the banking industry,it is more important to grasp the industrial situation and market situation,and further optimize the credit structure.This is a new standard of credit in the new era,and a new requirement of enterprise transformation and upgrading policy.Seven cities in Heilongjiang province are resource-based cities and important old industrial bases,with very good industrial and ecological foundation.In recent years,the tertiary industry in Heilongjiang province has developed rapidly and is in a critical period of economic structure adjustment and industrial development mode transformation.The contradiction between environmental protection and economic development is very serious.The development of green credit by Banks can not only improve their ability to shoulder social responsibilities and protect the environment,but also help speed up the transformation of Heilongjiang's economy to be green,promote technological progress in energy conservation,emission reduction and other fields,and boost the coordinated,healthy and sustainable development of Heilongjiang's economy.This paper takes the green credit problem of J bank branch in heilongjiang province as the research object,expounds the connotation and related theories of green credit,studies the successful cases of green credit at home and abroad,analyzes the differences between green credit and traditional credit,and introduces the development situation and policies of green credit business of J bank.Through the bank of J,Heilongjiang green credit business development present situation analysis,combining questionnaire,in-depth J bank branches in Heilongjiang province in the process of developing green credit business problems,find the reasons of restricting its development are the main reasons why policy system can't adjust measures to local conditions,lack of professionals and post Settings,understanding of green credit is not in place,the lack of effective evaluation system and incentive mechanism.Then draw lessons from other cities and banking institutions green credit business development experience,combined with the actual situation of Heilongjiang,Heilongjiang from J bank branches of bank of internal and external point of view to J,Heilongjiang green credit business smoothly to provide effective Suggestions and ideas,including:will intensify research of Heilongjiang J bank green credit policy,strengthening the staff's job execution,optimization of green credit post setting and personnel,create a multi-dimensional green credit products and services,cooperate with local government and advanced enterprises,support the traditional kinetic energy transformation and the new growth momentum.