Research On Green Finance Development Strategy Of HX Bank Kunming Branch

Under the concept of "innovative development,coordinated development,green development,openness to the outside world and resource sharing" and the strategy of sustainable development,China has formulated a series of policies and guidelines to protect resources,ecology and the environment as a starting point for green development,which provides a solid guarantee for the healthy development of China’s market economy and also reflects China’s firm determination to achieve "carbon neutrality and carbon peaking".At present,green finance has become an important force for China’s sustainable economic development,and banks and financial institutions have taken on the social responsibility of optimizing the industrial structure with financial guidance,carrying a major mission to build China’s green and low-carbon economic development.Commercial banks are an important medium of financing for social enterprises in China and must proactively seek efficient and coordinated development of national interests,corporate interests and social interests through financial innovation.The development of green financial services by commercial banks is not only a necessity for the formulation of social and economic policies,but also an opportunity for commercial banks to realize the transformation of their business models and increase their future long-term profit points.The development of green finance is not only an external requirement in the context of building an environment-friendly society and creating an ecological civilization,but also an internal need for banks to proactively adjust their credit structure and promote the development of social enterprises.HX Bank Kunming Branch follows the pace of development of the head office and focuses on building a competitive and popular green finance brand by focusing on the development of green credit business with "conservation,emission reduction,environmental protection and circular economy development",fully grasping the major market opportunities in the process of promoting energy conservation,emission reduction and industrial upgrading in China,and further optimizing loans in accordance with the direction of China’s economic restructuring.It will further optimize the lending and investment structure in accordance with the direction of China’s economic restructuring,practise the principles of "responsible banking" and achieve the goal of becoming a "climate-friendly bank".This paper takes the green finance business of HX Bank Kunming Branch as the main object of study.Based on the theory of sustainable development,the principle of socially responsible banking and the theory of development strategy management,the research methods of literature research,case study and theoretical analysis are used to systematically study the basic situation of the development of the green finance business of HX Bank Kunming Branch,the overall scale of the business is small,the dedicated management and marketing structure is not sound,and the use of technology is insufficient.It highlights the problems that the Bank should give full play to its internal strengths,grasp external opportunities,take active measures to broaden the green finance market,clarify the strategic positioning of the green finance development of HX Bank Kunming Branch,adopt a turnaround development strategy,choose a differentiated focus strategy at the business level strategy,and propose measures for the implementation of the strategy to provide guarantees in terms of policy,organization,personnel and technology for the development of the green finance business of HX Bank Kunming Branch.It also brings some innovations and supplements,which will help HX Bank Kunming Branch win the market first in the current competition in the same industry,and also provide some reference significance for the green finance business development and strategic planning of domestic joint-stock commercial banks.