| The idea of "lucid waters and lush mountains are invaluable assets " that was mentioned and repeatedly emphasized by the General Secretary Xi in 2021 has made"green development" a major target for many firms.With the emergence of "carbon peak,carbon neutrality" and other goals,ecological and environmental protection construction has become an important strategic measure in national economic development.Economic development and the financial environment are inseparable.In recent years,countries around the world have been using financial regulation measures to gradually solve the problem of ecological environment pollution.The most prominent manifestation is the use of "green credit" business by financial institutions to alleviate ecological environment damage and pollution.At the same time,green credit business has also become a new profit growth point for major financial industries,which has improved the profitability of the financial industry,Providing strong guarantees for the green and sustainable development of the economy and society is of great significance for the healthy and sustainable development of China’s economy.Based on the above research background,this paper adopts the literature method to read the relevant research literature at home and abroad,based on the innovation of green credit business development of green credit theory,green credit innovation business and innovation tools,mainly X bank green credit innovation business as the case study object,using case analysis of X bank green credit business market size and X bank green credit business innovation development process and the present situation of comprehensive analysis,and through the questionnaire method,SWOT analysis of X bank green credit business innovation development of internal and external present situation and environment.It is found that Bank X has some problems in the innovation and development of green credit business,including the lack of clear green credit management system;the reduction of green credit industry and the lack of competitiveness;the failure of the bank to expand the market to adapt to the industry development;the irregular management of key green projects,and the failure to update the process of key projects;the insufficient innovation of green credit products and the serious homogeneity;and the shortage of green credit professionals.For X bank problems existing in the process of green credit business inpovation and development,through SWOT analysis determines the X bank green credit business innovation development strategy——SO strategy is given priority to,ST strategy,WO strategy for the combination of strategic selection,and put forward the improvement scheme:from the green credit business innovation development system,improve the market competitiveness of green credit innovation business,build a reasonable green credit innovation product system,strengthen the green credit innovation business talent introduction four aspects put forward specific innovation development measures.This paper focuses on X bank green credit business innovation development status,through the SWOT analysis of X bank green credit business innovation and development put forward relevant measures and development strategy,expect to further for X bank green credit business innovation direction,also hope to provide reference for other industry bank green credit business innovation and development. |
