Analysis Of Industrial Bank's Development Of Green Credit

The deterioration of the ecological environment is a common problem facing the world,in order to ease the contradiction between the environment and the economy,the green economy came into being.Green economic development can not be separated from the support of green finance,commercial banks as the main members of the financial system,assume social responsibility,the obligation to promote the development of green finance.In order to realize green development and build a beautiful China,China has issued a series of policies and measures to encourage commercial banks to participate actively.However,the proportion of green loans of commercial banks in China is still small,mainly because commercial banks have doubts about green credit,and it is uncertain whether green credit can improve the sustainable development ability of commercial banks.In this paper,the industrial bank green credit practice as an example,the development of the first description of the Industrial Bank of green credit business,including four small part of the industrial bank green credit products,green credit policy,green credit management system and green credit financing amount etc..Secondly,through the implementation of green credit policy and efforts to lower the Shanghai Pudong Development Bank and Minsheng Bank to do comparison analysis,to develop green credit business impact on the sustainable development of the Industrial Bank from the three aspects of asset size,asset quality,profitability.It has been found that the green credit business has improved the sustainable development ability of industrial bank to some extent,but there are some risks.Then,through the development of the status quo and development of paper industrial bank green credit green credit impact on sustainable development ability of the Industrial Bank,industrial bank,summed up the development of green credit problems,according to the problems,put forward specific recommendations.I hope that through the analysis of green credit business of Industrial Bank,it can provide reference for other banks.