Study On Green Credit Development Strategy Of China Construction Bank CZ Branch

With the introduction of the dual carbon goal,China,as a major practitioner of green finance,has great potential to play a prominent role in the international arena in supporting the green and low-carbon transition.Green credit is now one of the main directions of China’s green finance market,with green credit accounting for nearly10% of all loans,while commercial banks are the main force driving the development of green finance.Green credit is an important measure to achieve sustainable development of society and help resource-saving and environment-friendly society,and it is an important measure to realize the "double carbon" strategy and financial support to the real economy.This paper is based on the basic concepts and theories of green credit,combined with relevant economic theories,and summarizes the Chinese and foreign literature to explain the current situation and development significance of green credit in China.The article introduces the basic situation of green credit business in CZ branch of CCB,and describes the current development situation of the branch from both macro and micro levels,and analyzes the possible problems and shortcomings in the development strategy of CZ branch using the situational analysis method.At the end of the article,we propose suggestions to optimize the development strategy of green credit in CZ branch,which are divided into two aspects: from the continuous improvement of external supporting policies and regulations and the acceleration of sound information disclosure to provide basic protection for development,to the upgrading and optimization of relevant management mechanisms and processes to enhance the ability to prevent and control risks,so as to promote the effective development of green credit in the whole bank of CCB.The bank itself should upgrade and optimize the relevant management mechanisms and processes,and enhance its ability to prevent and control risks,so as to promote the effective implementation of green credit by CCB and provide certain reference for other commercial banks in developing green credit.