Research On The Development Of Green Finance Business Of Kecheng Rural Commercial Bank

After more than 40 years of reform and opening up,our economy has undergone tremendous changes,the level of the national economy has greatly increased,and in the future for a considerable period of time still has a huge potential for development.With the development of economy and the improvement of people's living standards,environmental protection and comprehensive utilization of resources have also become the focus of people's attention.In particular,the 19 th CPC National Congress put forward the new concept of green,innovative,coordinated and win-win development.Green development has been placed in the important position of all kinds of development in our country.And through the financial market to further guide the green development,has become part of the strategic development of our country.According to relevant data,the proportion of green financial business in the whole banking business in 2018 has reached 17.5% in the current business development of commercial banks in China.According to the prediction of experts,This ratio also shows a rapid growth trend in the future,the future green financial business will be a blue sea.However,China's green financial business started late,compared with the developed countries is not mature,and because of the particularity of our financial industry and environmental protection,green financial business in the development of its particularity,can not copy the practice of foreign countries.In this environment,it is also a common problem for commercial banks how to provide green financial products to the society,expand the green financial business,and further tap the profit growth point.Based on this,this paper takes green finance as the research object,adopts the basic method of case analysis,takes the Kocheng Rural Commercial Bank as the research object,and uses a small part of the overall thinking mode to use the Kocheng Rural Commercial Bank as the experimental pilot.Combined with the unique conditions of economic and financial development in Kocheng area,this paper deeply analyzes the green financial business of Kocheng Rural Commercial Bank,and finds that the market orientation of the green financial business is not clear at the present stage.Lack of a perfect social credit system,the business process is more cumbersome,the examination mechanism is not perfect and so on.After an in-depth analysis of the causes of these problems,it is found that the management concept is relatively backward,and the construction of the talent team lags behind.The low level of informatization is the main reason.Then on the basis of summarizing the green financial business of the domestic and foreign counterparts,aiming at the problems existing in the green financial business of Kocheng Rural Commercial Bank,this paper puts forward to establish a perfect social credit system by carrying on the accurate market orientation and establishing the perfect social credit system.Optimize the business process,improve the assessment mechanism and other aspects to improve.This can effectively improve the level of green financial business,promote the development of green finance,ensure the financial needs of enterprises in energy conservation and environmental protection,improve environmental protection,maintain ecological balance,and achieve win-win results between banks and enterprises.