Study On Green Credit Business Development Strategy Of JC Branch Of Industrial And Commercial Bank Of China Under "Carbon Peaking And Carbon Neutrality"

In 2020,the proposal of the“carbon peaking and carbon neutrality”is of profound significance to China.As a big country with more than one billion people,the“carbon peaking and carbon neutrality”determines the direction of China’s economic and social development and the way of production and life of the people in the coming decades.The concepts of low carbon,green and environmental protection have gradually become the main melody of development in various fields of society.With the introduction of“carbon peaking and carbon neutrality”related schemes and systems,the "1+N" policy system has put forward new requirements for green finance.As a representative tool of green finance,green credit can reflect the implementation effect of green finance policies to a certain extent.As a big state-owned bank,ICBC has been actively practicing national strategy and taking the initiative to fulfill social responsibilities.After more than ten years of exploration and development,ICBC has become the leader in China’s green credit industry.Its strategic planning,management system,risk assessment and team building are all in a leading position in the same industry.The practice of experience and typical cases have a strong reference for other commercial banks to develop green credit.Starting from a micro perspective,this paper studies the green credit business of JC Branch of ICBC,finds and analyzes the deficiencies in the development of the bank’s green credit,and then puts forward measures with strong operability and universality to provide reference and learning examples for other grassroots commercial banks,hoping to provide suggestions for the long-term development of our green credit business.In the process of research,at first,this paper introduces the status quo and effect of JC city in promoting the“carbon peaking and carbon neutrality”,and gives a comprehensive introduction to the development of ICBC JC branch of green credit,business status,and business practice.In the development overview,focus on the carbon reduction effect and external effects of green credit were elaborated,reflecting its connection with the“carbon peaking and carbon neutrality”;In the business status,the data before and after the“carbon peaking and carbon neutrality”target are selected to reflect not only the business status of ICBC JC branch,but also the impact of the“carbon peaking and carbon neutrality”target on the bank’s green credit business.In business practice,it fully demonstrates the bank’s examination of the green qualification of loan enterprises,reflecting the strict implementation of the "one vote veto system of environmental protection".Then,the analytic hierarchy process and fuzzy comprehensive evaluation method are adopted to evaluate the green credit business of the bank,the index system is constructed,the index weight is obtained,and the evaluation results are finally obtained by means of questionnaire survey,and the shortcomings of business development are put forward by the evaluation results.Finally,the business development strategy is proposed based on the current situation,evaluation results and shortcomings.In terms of conclusion,it is concluded that the development of green credit can not only rely on commercial banks,but also needs to gather the support and cooperation of government departments,regulatory departments and enterprises,jointly create a good market environment,and contribute to the promotion of the“carbon peaking and carbon neutrality”goal of JC city.