Research On Development Problems And Countermeasures Of Green Finance In SZ Rural Commercial Bank

A pleasant ecological environment is extremely valuable.Green development has become a basic state policy and the consensus of the people in China.As the "blood" of the economy,finance has many advantages such as in resource allocation and will play an important role in the green and low-carbon transformation of the economy and society.In recent years,the banking system has entered a strategic transition period.A series of factors have been comprehensively combined,such as COVID-19 prevention and control,in-depth promotion of interest rate liberalization,continuous upgrading of industry regulation,building of "double cycle" pattern and realization of "peak carbon dioxide emission and carbon neutrality" target.The development of green finance has become an important research topic and transformation direction of the banking system.Green finance is the only way for modern commercial banks,whether from the perspective of government guidance,regulation trends or the requirements of sustainable and high-quality development of banks themselves.This paper selects SZ Rural Commercial Bank as the object for research,which started a relatively prior construction of green finance in the domestic rural commercial banking system.In this paper,the theoretical framework of ESG(E:Environment,S:Social,G:Governance)is innovatively used to conduct research and analysis.Firstly,the relevant theories related to green finance are elaborated,and relevant literatures at home and abroad are studied and summarized.Then,according to these three dimensions from the theoretical framework of ESG,it studies the current situation of SZ Rural Commercial Bank’s development of green finance.Next,it also analyzes the current problems from these three dimensions.Finally,according to these three dimensions,countermeasures are formulated.Through the research,this paper draws three main conclusions.First,the development of green finance should adhere to the ESG theory and follow the theoretical framework of ESG;Second,at present,there are problems in three dimensions(Environment,Social,Governance)of the green finance development of SZ Rural Commercial Bank,which restrict the future development.Third,when formulating and implementing green finance strategy,SZ Rural Commercial Bank still needs to follow the theoretical framework of ESG and continue to make efforts in the three dimensions.This paper hopes to help SZ Rural Commercial Bank improve the development of green finance in the future.