Research On The Innovative Problem Of Green Credit Products In Commercial Banks

In recent years,the construction of ecological civilization has become a fundamental plan for the sustainable development of the Chinese nation.Green development has become the trend of the times.Commercial banks have played a vital role in supporting green credit to prevent pollution and build ecological civilization,and green credit has become a business.Banks constrain the behavior of loan companies,improve the public image,and guide the important lever of capital flow.However,with the deepening of development,various products carrying the main characteristics of green credit have not only experienced the “extensive”development caused by the imperfect government laws and regulations,but also the commercial banks have only paid attention to the form in practice.Ignore the problems of actuality and innovation flowing on the surface.If commercial banks continue to be indifferent to management and innovation in green credit products,these problems will become an important factor restricting the development of green credit.In view of this,this paper studies the problems existing in the innovation of green credit products of commercial banks,taking Jiangsu Bank with good practice of green credit as an example.Firstly,based on the summary of the literature and theories related to green credit,this paper introduces the development status of green credit of 21 major banks in China and the practice and innovation of some commercial banks on green credit products.Secondly,taking Jiangsu Bank as an example,comprehensively expounding the overall development status of its green credit business and products and taking energy-efficient credit with better development prospects as the main analysis point,through the key projects under EMC mode of the energy-efficient credit of Jiangsu Bank.The case study shows that Jiangsu Bank has problems in the innovation ofgreen credit products,such as low market acceptance,difficult information communication,and single operation mode.Finally,combined with the practice of foreign excellent peers with rich practical experience in this field,according to the problems existing in the green credit product innovation of Jiangsu Bank,put forward corresponding countermeasures and suggestions,to provide a reference for commercial banks to develop green credit,in order to provide the more in-depth development of green credit in China provides some feasible ideas.