A Study On The Implementation Of Green Credit Policy

With the continuous development in the past ten years,green credit policy has gradually developed into a policy means.As we all know,in China,apart from the national policy banks,the national banks include state-owned large commercial banks and joint-stock banks,as well as local banks,such as city commercial banks and village banks,which are the implementation subjects of green credit policies.So-called green credit policy,it is to point to the banking institutions in bank loan credit business,and the project that is beneficial to environmental protection industry to provide credit,loans convenient incentives,such as the development and utilization of new energy,green ecological agriculture,environmental protection,promote the development of circular economy industry and related projects.For those who are not conducive to the environmental protection industry and the project Settings credit barriers and restrictions on bank credit funds into the category of industry and projects,such as high pollution,high energy consumption industries and projects,and on the basis of national environmental,economic and industrial policy requirements,for this kind of environment destruction and pollution of the project to take punitive measures such as high interest rates.The reason that our country should follow the trend,the initiative to implement green credit policy,in order to guide society,the flow of funds has planned,from all walks of life to make the money more and more big possible flow of domestic environmental protection industry,which is for the development of environmental protection,ecological are encouraging and positive role of industry,industry and project,These funds should be withdrawn from industries,industries and projects that destroy the environment and consume high energy as much as possible,and "green allocation","optimal allocation" and "reasonable allocation" should be put into practice in a real sense.From this point of view,the significance of fully implementing and executing green credit policies lies in this.With the gradual implementation and continuous implementation of China’s green credit policy,the Chinese government and banking financial institutions in this aspect of practice is more and more.Under this premise and background,some researches and practices mainly focus on green credit products and green credit services of China’s commercial banks,while others mainly focus on the benefits of green credit policies in the field of economics.The production of green credit policy,has a certain background of management,this article from the perspective of public management field,from our country bank types of the large state-owned Banks to this category,with the Bank of China,Shandong W branch as an example,around the policy implementation process theory,Smith is also this paper studies the main theory tool,Full analysis and research are carried out on the four aspects of the implementation and implementation of green credit policy,namely,the policy itself,the implementation agency(namely,China’s banking institutions),the target group(namely,enterprises and projects affected by the policy),and the implementation environment(namely,various external environments,etc.).At the same time,on the basis of case analysis,this paper analyzes and discusses the current situation and main problems existing in the implementation of green credit policy in the banks mentioned in the case.Through analysis and research,it is concluded that the main problems existing in the implementation and implementation of green credit policies in W Branch of Shandong Province of Bank of China are unclear policy recognition standards,insufficient implementation ability of policy implementation subjects,insufficient participation of policy target groups,and imperfect policy supervision and guarantee mechanism.On the basis of finding the existing problems,this paper analyzes the causes of these problems from the four aspects of the policy itself,the implementation agency,the target group and the external environment,and puts forward corresponding countermeasures and suggestions for improvement.In order to optimize the implementation effect of green credit policy,we should further strengthen all aspects of green credit policy,improve the execution ability of the implementing agencies of green credit policy,improve the participation degree of the target groups of green credit policy and optimize the implementation environment of green credit policy.