Research On The Optimal Development Of Green Finance Business Of Listed City Commercial Banks

With the victory of the 20 th National Congress,the state actively participates in the global governance of climate change,further promotes industrial adjustment,clearly requires accelerating the green transformation of the development mode,implementing a comprehensive conservation strategy,and developing green low-carbon industries.Through the transformation of green financial business,banks can adjust the allocation of credit resources to support the green transformation of the industry.Therefore,the banking industry plays a vital role in the development of green finance and the green transformation of the industry.As of June 2022,the total assets of China ’s city commercial banks are about 46.7 trillion yuan,accounting for15.5 % of China ’s commercial banks and 13 % of banking financial institutions.In recent years,this proportion has been basically maintained.City commercial banks play an indispensable role in the development of green finance in the whole banking industry according to local conditions because of their irreplaceable regional characteristics.At present,many researchers have mainly conducted green development research on large state-owned banks and commercial banks.However,as of June 2022,there are 3991 small and medium-sized banks in China,including 147 urban commercial banks,2196 rural credit cooperatives,1651 rural banks,with a total assets of 92 trillion yuan.The total assets of these small and medium-sized banks account for 29 % of the total assets of China ’s banking industry.As the leader of small and medium-sized banks,urban commercial banks have less pertinence in academic research,so it is necessary to conduct in-depth research on them.Based on the theory of social enterprise responsibility,sustainable development and supply-side structural reform,this paper firstly compares 17 A-share listed city commercial banks and large commercial banks with 17 joint-stock commercial banks from the perspectives of green credit,green financing and non-performing rate,and finds out the current situation and shortcomings of the development of green financial business of listed city commercial banks.Secondly,select the largest city commercial banks listed in the Bank of Beijing focus from the investment business,financing business,intermediary business three green business direction.By studying Bank of Jiangsu,which is not much different from Bank of Beijing in terms of asset size(it is also the first city commercial bank to join the " Equator Principles "),and taking it as a comparison object,the operation status and operating efficiency of the green business of the two banks are compared and analyzed in many aspects.It is found that Bank of Beijing has a rich variety of green financial financing businesses and develops rapidly.But green credit and green operating services are underdeveloped.At the same time,the study found that Beijing Bank ’s green intermediate innovation business is unique in the innovation of ’ green branch ’,but it is obviously insufficient in green fund,financial management and leasing intermediate business.Finally,based on the experience and shortcomings of Bank of Beijing ’s green financial business development,it provides targeted suggestions for the optimization and development of Bank of Beijing ’s green financial business,and provides suggestions for the green financial business innovation and financial supply-side structural reform of listed city commercial banks.ovation of Green Finance Business and the reform of financial supply-side structure.