Case Study On Green Credit Development Of Industrial Bank

With the rapid development of China’s economy and society,the problem of ecological environment is becoming more and more serious.In order to reconcile economic development.The contradiction between exhibition and environmental protection,green development came into being.The green credit business of commercial banks plays an important role in promoting green development.However,compared with foreign developed countries,China’s green credit business started late.The state and commercial banks are in the exploratory stage of green credit business,constantly issuing laws and regulations and gradually improving the development mechanism.As the first equatorial bank in China,industrial bank has achieved the leap from green bank to green group after years of development.It has made many achievements in green credit business and is a commercial bank.Banks are pioneers in developing green credit business.This paper takes the green credit business of Industrial Bank as a case to analyze the innovative financial business of basic green credit,which has representative and practical significance.This paper analyzes the green credit of Industrial Bank by using the methods of literature research,comparative analysis and case analysis.Firstly,starting with the concept and theoretical basis of green credit,this paper solves the problem of theoretical support.Secondly,it introduces the case of green credit business carried out by industrial bank,and makes a detailed analysis on the basic situation of Industrial Bank,the implementation of Equator Principle and green credit business.The next is the case analysis of Industrial Bank’s green credit business,focusing on the internal and external motivation,environmental and social benefits of Industrial Bank’s green credit business,and comparing with the three major domestic banks in terms of green credit business scale,business insurance,business benefits and incentive mechanism,it is considered that the green credit business of Industrial Bank has four problems:insufficient product innovation,imperfect incentive mechanism,incomplete environmental information disclosure and lack of green credit professionals.Finally,it summarizes the experience and Enlightenment of Industrial Bank’s green credit business,According to the above case introduction and analysis of green credit business carried out by industrial bank,it is considered that the experience of Industrial Bank in carrying out green credit business mainly includes carrying out international exchanges and cooperation,the adoption of the equator principle,improving the organizational structure of green credit and strengthening the training of green credit business.Based on the case of green credit business carried out by Industrial Bank,we analyze the inspiration of green credit business from two perspectives:government and bank,and promote the comprehensive development of China’s green credit business system from point to point and from small to large.