Research On The Countermeasures For The Development Of HX Bank's Green Credit Business

In the development concept of "innovation,coordination,green,open,sharing and the green economy transition background,Countries launched a series of environmental policies and regulations,for the perfection of China's financial markets provide strong institutional guarantee.Green credit,as one of the financial means of the sustainable development,to guide control the flow of credit funds,make is committed to the development of green low carbon industry's social responsibility.Forcing enterprises to carry out technical transformation,optimize the industrial structure,promote the unified of enterprise economic benefits,social benefits and environmental benefits,eventually make a major contribution to supply side of our country reform and the development of the social ecological environment.At present,our country has put a green credit business and social ecological system construction as an important strategic task to promote the social sustainable development.As an important hub of money society,commercial Banks should actively pursue the economic interests of the enterprise and corporate social responsibility.Developing green credit business is beneficial to develop energy conservation and environmental protection industry,is not only beneficial to achieve the ecological civilization construction,and also has an important positive function for the bank itself to perfect the management mechanism.Therefore,our country banking shall strictly control credit funds for "two high" industry,strict environmental risk review of credit enterprises,set up credit access threshold,to guide credit positive flow of funds,reasonable allocate the social resources,to promote the green credit business operate effective and the green credit management mechanism work greatly in china,to realize the sustainable development and social economic sustainable development.Based on HX Banks as the research object,this paper first introduce the basic green credit theory,and emphasis on the important status in the field of international green credit equator principles,and the sustainable developed financial theory,corporate social responsibility theory,and the environmental risk theory,and then through the introduction of domestic and foreign Banks in the green credit business on the main methods and important experience,it is concluded that:the financial product innovation support,effective incentive mechanism,actively respond to national policy and green related policy can be drawn lessons from the four basic experience.In this paper,HX Bank as the research object,introduced its basic situation of green credit business,and from the reality of HX Bank to start with the case analysis of the model in the actual operation of the situation,and then in the HX Bank green credit business Management system,international exchange and cooperation,as well as the construction of its own green concept,the preliminary summary of the HX Bank to implement the green creditbusiness stage results.With the use of SWOT analysis of HX Bank,and it has practiced the green credit in the process of the obstacles and difficulties.Finally,we try to put forward the relevant countermeasures and suggestions to promote the effective implementation of green credit in order to promote the future of HX Bank in the green credit business can be better and faster development.In this paper,HX Bank as the research object,first described the basic theory of green credit,and in the field of international green finance has important influence in the equator principle,sustainable development of financial theory,corporate social responsibility theory and environmental risk theory were briefly introduced,And then through the introduction of domestic and foreign banks in the green credit business carried out on the main practices and important experience,come to:financial products,innovative support,effective incentive mechanism,and actively respond to national policy and green policy related to the development of four can learn from Basic experience.