Research On The Green Credit Management In JS Bank For Helping Rural Revitalization

Under the rural revitalization strategy,the issue of “agriculture,rural areas and farmers”(agriculture,rural areas and farmers),as a fundamental issue related to the national economy and people’s livelihood,has become the focus of attention of all sectors of society.JS Bank,as the only city bank in China that adopts both “Equator principle” and “responsible bank principle” international standards,has made beneficial attempts and innovations in the field of green finance to help rural revitalization under the guidance of rural revitalization policy.Therefore,it is a deep theoretical demand under the development background of the new era to study how green finance can effectively promote the implementation of the rural revitalization strategy of credit service strategy.At the same time,on the one hand,this thesis opens up a new development direction of green finance business for JS Bank,in order to achieve its multiple business objectives of economic benefits,social benefits and environmental benefits;On the other hand,from the perspective of grassroots green and sustainable development,relevant research conclusions have reference significance for the policy mechanism design of relevant financial institutions and governments at all levels.This thesis first summarizes the concept definition and related theories of rural revitalization and green credit,such as green credit theory(sustainable development theory,environmental risk theory,triple bottom line theory),rural finance theory(rural finance imperfect competitive market theory,rural finance market theory and rural credit subsidy theory)and credit management theory.Then,according to the data of green credit and agriculture-related loans of JS Bank,this thesis makes a detailed analysis and evaluation of the development status of green credit of JS bank.At the same time,this thesis also introduces the current internal green credit management system of JS bank(pre-loan investigation,credit granting during loan and post-loan management),and specifically analyzes the existing successful cases of green credit granting in support of rural revitalization of JS bank.The practical experience of green credit is summarized.Further,in order to objectively and accurately evaluate the implementation of JS bank’s green credit in support of rural revitalization,23 secondary indexes are selected from five dimensions,namely,system construction,organization construction,green credit service,credit control and information disclosure,exchange and cooperation,by referring to existing studies and considering the business development and practical experience of JS Bank’s green credit.Construct JS bank support rural revitalization green credit evaluation index system.And according to the scores of 10 experts in the bank and 80 questionnaire data of JS bank staff,the fuzzy comprehensive evaluation method is applied to actually calculate the management effect of JS bank’s green credit supporting rural revitalization.The results of this thesis show that: In the evaluation of JS Bank’s green credit management in helping rural revitalization,the evaluation of each dimension from high to low is credit control and information disclosure,green credit service,exchange and cooperation,system construction and organization construction,with corresponding scores of 86.077,81.470,71.036,68.816 and 68.606 respectively.Among them,JS Bank has done well in credit control and information disclosure and green credit service,and the implementation effect in system construction,organization construction and exchange and cooperation are not so good.This may be due to the imperfect design of the top-level mechanism,the mismatch of the green credit statistical system,the lack of professional personnel training,the unclear assessment and assessment mechanism of the relevant green credit business,the unimpeded cross-departmental communication and coordination mechanism,and the low awareness of the relevant participants to the green credit service.And the information transparency and sharing mechanism among government,enterprises,banks and other financial institutions is not perfect.Based on this,this thesis suggests that we should improve the design of the green credit system supporting rural revitalization,improve the statistical system of green credit,strengthen the introduction and training of professional talents,improve the assessment and incentive mechanism,strengthen the intensity,depth and breadth of JS bank’s green credit marketing,and create a transparent and shared cross-department and cross-field information communication mechanism.