Research On Optimization Of Green Finance Business Risk Management Of HX Bank Guiyang Branc

The report of the 18 th National Congress of the Communist Party of China officially incorporated "ecological civilization" into the "five-in-one" overall layout of the cause of socialism with Chinese characteristics.Conserving resources and protecting the environment have become national strategic issues.The development of green finance is not only a concrete manifestation of banking financial institutions’ fulfillment of social responsibilities,but also an important starting point for promoting the sustainable development of my country’s economy and society.Based on the actual case of HX Bank Guiyang Branch,combined with the comprehensive risk management theory,this paper systematically studies the current situation of the bank’s green financial business risk management from the three aspects of "before loan-during loan-after loan",and finds out the risk of the bank’s green financial business.Management problems and their causes.The research found that the main problems of the bank’s green financial business risk management are: when identifying risks,the identification aids are not perfect and lack comprehensive professional analysis;when assessing risks,the assessment tools and systems are inconsistent with the actual business;when controlling risks,lending The conditions and constraints are not rigorous enough,the inspection of loan funds is formalized,and the post-loan management mechanism is not perfect.The main reasons for the problem are that the bank’s green financial business organization is not perfect,the risk management tools and methods are not updated in time,and the management mechanism is not comprehensive enough.In view of the problems and causes found,this paper compares and analyzes with financial institutions in the same industry,draws on practical experience,and proposes a feasible green financial business risk management optimization plan,including optimizing the pre-lending due diligence channel and risk control system for risk identification,and optimizing risk assessment.The rating system and the loan condition constraints to optimize risk control,the post-loan fund disbursement inspection,and the post-loan management mechanism.And put forward suggestions for targeted safeguard measures including improving organizational structure,safeguarding human resources,building scientific and technological systems,and building risk management mechanisms for the optimization plan.The research of the thesis will help to comprehensively improve the risk management level and efficiency of green financial business of HX Bank Guiyang Branch,boost the development of the bank’s green financial business,realize the adjustment of credit business structure,and provide reference for the risk management of green financial business of other local banks.