Research On Green Credit Development Strategy Of Commercial Banks

With the enhancement of the concept of sustainable development in the world,a series of environmental policies and regulations supporting sustainable development have been promulgated successively,thus effectively guaranteeing the stable operation of the financial market order in China.As an effective means to ensure the sustainable development of the financial industry,green new business effectively guides the flow of credit funds,better serves the development of low-carbon industries,makes enterprises change from traditional development mode to modern low-energy development mode,thus effectively guaranteeing the unity of social interests and economic value,and better.It promotes the reform of our country's attacking mistakes.Commercial banks in our country should take photos of this green trend of development,and gradually launch credit businesses with their own characteristics.Despite the rapid development of green credit business in commercial banks,there are still many problems in commercial banks,such as low enthusiasm,lack of effective incentives,and lack of effective laws and regulations for the implementation and development of green credit in China.How to improve the operation mechanism and product service of green credit business of commercial banks in China is worth thinking and discussing.In this paper,the early development of green credit of Industrial Bank as the research object,in-depth analysis of the internal and external environment and typical problems faced by Industrial Bank,and accordingly put forward China's commercial banks green credit development strategies and suggestions.The main contents of this paper include the following five parts.The first chapter is the introduction.First,the background and significance of this topic are elaborated.Then,the literature review at home and abroad,as well as the specific researchcontents and methods are supplemented.The second chapter elaborates the definition of green credit business,including the degree and connotation of development and the new green business for commercial banks in China.The necessity was analyzed.Chapter three discusses the current development of green credit business in China and the problems existing in the development process.Chapter four analyses the development of green credit business of SocieteGenerale Bank,including the difficulties encountered in the origin and development process of green credit,and makes a profound discussion.? The fifth chapter is to improve the development of green credit strategy of SocieteGenerale Bank,and the last part is the conclusion of this article.