Study On The Development Of Green Credit In Industrial Bank

With the further development of the international economic society,countries around the world are increasingly paying attention to the protection of the ecological environment and have formed a new concept and a new consensus on a global scale-the social concept of realizing sustainable economic development.The recent trend of the international financial industry is to develop "green economy" vigorously.Under the guidance and promotion of this new trend,various green financial products and green economic policies aiming at protecting the ecological environment have emerged.Green credit can quickly and effectively promote the development of green economy industries such as environmental protection and energy conservation,and has received close attention and in-depth research from various related entities.This paper takes Industrial Bank's green credit as the research object.Firstly,through the introduction of green credit business and the analysis of the related background of green credit,and starting from the explanation of green credit origin and analysis,we combine theoretical research with empirical research to propose sustainable development.Development theory,corporate social responsibility theory,environmental risk management theory,and the Equator Principles have laid the theoretical foundation for the following research.Secondly,it analyzes the current status of Industrial Bank's green credit development,including the background and starting point of Industrial Bank's development of green credit,the work done by Industrial Bank in developing green credit,and the achievements it has made.Its effectiveness is mainly reflected in the scale of green credit business: The year-on-year growth,gradual enhancement of green credit support,continuous attention to green credit products and services,and the effect of green credits are gradually evident.Then,on the basis of this,we found some problems still existing in the development of Industrial Bank's green credit,including single green credit products,lack of innovation,lack of professional talents in green credit,incomplete information communication mechanism of green credit,and lack of specific guidance And environmental rating standards,etc.,and analyzed the reasons for the problems.Thirdly,the analysis of the practice of international and domestic green credits mainly draws on the successful experience of green credit developed by commercial banks in developed countries such as Germany,the United States,and Japan.Finally,the Bank also proposed solutions to the problems existing in the development of Industrial Bank's green credit,such as strengthening the development of green credit products and optimizing the green credit structure;strengthening the construction of Industrial Bank's green credit professional team;establishing and improving the environmental protection information sharing mechanism;Green credit policy and guidelines for environmental management,etc.,with a view to providing a reference for the Industrial Bank and other commercial banks in China to better implement green credit.