Case Study And Performance Analysis Of H Bank’s Issuance Of Green Bonds

As an important pillar of modern economy and society,the banking industry actively develops green finance business,combines green responsibility with bank development,leads more capital to invest in green industry,and promotes the steady expansion of green finance.Green bonds have both financing and green effects.They are the main financing method under the concept of green finance and become the emerging business that banks focus on.At present,the scale of green bond issuance in China has ranked among the top in the world,but Chinese theoretical research on green bonds does not match the scale,compared with foreign countries,overall domestic research on green bonds is still in its infancy,if green bonds need to be steadily developed in the domestic market,it needs to be paid attention to in theoretical research.In recent years,Bank H has taken green bonds as one of the key businesses to develop,and successfully issued green bonds at a coupon rate of 2.08% in 2020,setting the lowest ever interest rate for commercial banks to issue Financial bonds,and achieving remarkable results in the field of green bonds.From a practical point of view,green bonds can currently solve the problem of the mismatch in terms of the maturity of banks’ own funds.The funds raised by green bonds can be directly or indirectly invested in all stages of green project financing.This thesis first combines the practical background of the rapid development of green bonds,proposes the issues that need to be studied,and sorts out and integrates the research results on green bonds at home and abroad.Secondly,it selects the case object of this thesis-Bank H,introduce and analyze its experience of issuing "20H Bank green finance 01",and analyze the motivation of Bank H to issue this green bond from both external and internal perspectives.Then,from two aspects of short-term market effects and long-term operating effects,and by comparing the data of Industrial Bank,the focus is on analyzing the effectiveness of H Bank’s issuance of green bonds,and summarizing the shortcomings of H Bank’s profitability,growth ability,and operational ability before and after issuing green bonds.Then,based on the above analysis,the concept of green finance is organically integrated with the business performance evaluation of commercial banks.By using the AHP model and comparing with Industrial Bank,the benefits of H Bank’s issuance of green bonds are analyzed from four aspects: profitability,green finance contribution,solvency,and growth ability.It can be concluded that H Bank needs to further improve its professional reserve talents,the characteristic advantages of international cooperation need to be further strengthened,and the innovation of green finance products needs to be further strengthened.Through research and analysis,the development of green finance by Bank H is not only a strong promotion of national policies,but also a need for Bank H to achieve its own transformation and differentiated competition.In short,to promote the development of green bonds,efforts need to be made in the following aspects: firstly,efforts should be made to improve one’s own operations,improve the information disclosure system,and strengthen risk management;Secondly,increase the reserve of green bond professionals and accelerate the cultivation of green bond professionals;The third is to actively expand external cooperation,strengthen international green finance cooperation,and cooperate with the third party to promote business development.Of course,it is necessary to promote the innovative development of green finance,improve the financial development model,promote the innovation of financial products,and highlight the distinctive differential development.To further promote the stable development of H Bank in the green bond market.