Case Study On Green Credit Innovation And Development Of Industrial Bank

Throughout the world,economic development is always at the expense of resources and environment,and environmental problems have become ecological problems facing the world.In order to alleviate the contradiction between environment and economy,green economy emerges at the historic moment.Green economy is to integrate the environment into the development elements,change the previous economic development model,and promote the transformation of economic development into a sustainable development model.Green economy development cannot leave the financial support,green and green credit assets is green,the main source of financial assets,as a green credit issuers of commercial Banks,plays a key role in deciding on credit funds flow,commercial Banks need to establish environmental barriers to entry in the field of credit,improve the blind expansion and disorderly development of the banking applications,build effective green credit mechanism,so as to realize the sustainable development of economy.China's green development started relatively late.In recent years,in order to keep up with the pace of international development,a series of policies have been issued to guide and encourage commercial Banks to actively participate.But due to the current our country commercial bank system for environmental risk assessment system is not perfect,it is difficult to effectively prevent the impact of the environmental risk of the bank management risks,therefore,commercial Banks have different attitudes towards green credit,most Banks are under pressure policy implementation of green credit business,enthusiasm and strength of green credit innovation.Overall,China's green credit strength still needs to be improved.Industrial bank is a financial institution that takes the initiative to assume the responsibility of green economy in the current economic transformation period.In 2008,industrial bank joined the equatorial principle and became the first equatorial bank in China with a long-term vision.Through years of continuous exploration and practice,industrial bank has made remarkable achievements and become the leader of green credit in China.Therefore,this paper studies the specific practice of green credit of industrial bank,discusses its methods on the green development path,and learns from its advanced experience,which will have guiding significance for the development of green credit of commercial Banks in China.Paper in view of the green credit development impact on commercial bank sustainable development ability of an in-depth analysis,an empirical model by building a confirmed green business has brought benefits to a bank,and through the analysis to further verification,to change the thought of green credit is only part of the feelings of investment person's attitude,and on this basis,summed up the suitable for our country commercial bank road of the development of the green credit,for commercial Banks in the turbocharged by ecological civilization,industry upgrading and transformation of energy agency environment,seize the opportunity to play a bigger role.