The Impact Of Green Finance On The Profitability Of Industrial Bank

At present,the ecological environment in China is deteriorating,and the social resources are becoming increasingly scarce.In the long run,the way for Chinese enterprises to rely on energy and resources to achieve the survival and development will surely come to an end.Although China has a large land area,it has a large population,serious environmental pollution,and excessive consumption and waste of resources.Therefore,optimizing the industrial structure and adjusting the economic structure is the key point of China's current development.As the core of national economy and the hub of social capital,finance is the foundation of sustainable development of society.Commercial Banks,as the main force of financial institutions and the main executing agencies of monetary policy,should also play an important role in energy conservation and environmental protection.Green finance collection green credit,green securities,and a variety of financial derivatives,in achieving economic growth at the same time promote green industry healthy and continuous development,guide the capital flow to the environmental friendly and resource-saving industries,optimize the industrial structure,efficient and rational allocation of social and economic resources,promote sustainable economic and social development.However,at present,China's commercial Banks are still in the initial stage and development stage in protecting the ecological environment and developing green finance,so further exploration and settlement is needed.Use of case analysis,this paper selected the first put forward the concept of green finance research at Industrial Bank,through the study found that:(1)the Industrial Bank green financial business is conducive to improving the quality of bank assets,optimize the structure of income and capital,thereby giving impetus to the profitability of Banks as a whole,green finance and profitability there exists a positive correlation;(2)due to early implement green financial,Industrial Bank conform to the trend of development,not only made the market opportunities,also take the social responsibility and the social widespread praise,in the short term stability to enhance the bank's comprehensive strength and reputation,healthy and rapid development of better than peers.Through the above study found that the bank in the development of green finance many many achievements at the same time,thereexist some problems,and on the basis of commercial Banks from the Angle of macroscopic and microscopic targeted Suggestions are put forward:(1)the green financial innovation actively,developing intermediary business;(2)reasonable control of bank assets;(3)appropriately increase capital adequacy ratio and reduce and dispose of non-performing assets;(4)actively respond to macroeconomic changes.