A Study On Green Credit To The Competitiveness Of Industrial Bank Influence

In 1972,the United Nations Conference on the human environment was successfully held.The meeting pointed out that the development of human environment is irreversible,and governments of all countries in the world should make efforts to jointly protect the global environment.All countries attending the conference signed the Declaration on human environment,calling on all governments of the world to take the protection of the global environment as their purpose,create the necessary conditions for improving the human environment for the common interests of mankind,strive to improve environmental problems,and work together to protect the future of the earth.After 40 years of rapid growth,China is facing increasingly serious environmental and resource constraints,which makes the economic growth model of high energy consumption and high pollution unsustainable.According to the report of the 19th National Congress of the Conmunist Party of China,green water and green mountains are golden mountains and silver mountains.Green credit development will be the focus of the future development of commercial banks,support green production and consumption,and transform China's economy from extensive development economy to green low-carbon circular development economy.The development of green credit is imperative.Accelerate the reform of ecological civilization system and build a beautiful China.The development of green credit of commercial banks has a positive impact on the competitiveness of commercial banks.The development of green credit helps commercial banks to improve their competitiveness,meet the requirements of national policies,change the credit model of commercial banks,protect and change the global ecological environment,help commercial banks to fulfill their social responsibilities and enhance their sense of social responsibility.The Chinese government also supports and encourages commercial banks to carry out various forms of green credit activities.This paper mainly uses literature description method and case analysis method to describe the development of domestic green credit,and proposes that the sustainable growth and improvement of green credit scale of commercial banks will help to enhance the competitiveness of banks,thus conducive to the protection and change of global ecological environment,and promote the sustainable development of environment and economy.First of all,the paper summarizes and summarizes the relevant literature about the impact of green credit on the competitiveness of coumercial banks at home and abroad.Secondly,it defines the concept of green credit and competitiveness of commercial banks,describes the current situation of green credit development of coinmmercial banks in China,and sunnarizes the existing problems.Finally,this paper uses case analysis method to analyze and test the impact of green credit on the competitiveness of Industrial Bank,and puts forward countermeasures and suggestions to promote the development of green credit of Industrial Bank.The government and relevant departments should adhere to the improvement of laws andregulations,the promotion of policy environment and the improvement of green credit incentive mechanism.At the same time,industrial bank should make efforts in personnel training,product innovation,the establishment of information sharing mechanism and the improvement of social responsibility awareness.