Study On Risk Management Of Green Bond Investment Business Of G Bank

In recent years,more and more institutional investors are interested in bond investment,and bond investment business has developed steadily.Green bond is an innovative green financing tool,which raises funds through a low interest rate and invests the raised funds into green environmental protection projects,thus promoting the improvement of ecological and environmental protection issues.With the growing green bond market,the scale of green bond investment of commercial banks is also increasing year by year.For the risks brought by green bond investment,all commercial banks attach great importance to the risks from the aspects of system process and personnel allocation,and keep alert to prevent the occurrence of various risks.G Bank is a county-level agricultural and commercial bank located in northern Jiangsu Province.In recent years,the investment scale of green bonds has been on the rise,but there are also many risks in its green bond investment,which affects the further development of its green bond investment business.Therefore,Bank G needs to effectively control the investment risks of green bonds and constantly improve the operation and management mode of green bond investment business.Only in this way can the healthy development of green bond investment business of Bank G be promoted.This thesis takes the risk management of green bond investment business of G bank as the research topic,and takes the theory of comprehensive risk management,information asymmetry theory and sustainable development theory as the theoretical basis.Firstly,it expounds the research background and significance,related concepts and theoretical basis,introduces the status quo of green bond investment business of G bank,and analyzes its risks.Secondly,the fuzzy comprehensive evaluation method is used to evaluate the risk of G bank’s green bond investment business and a conclusion is drawn,that is,among the five secondary indexes of G Bank’s green bond investment business risk,market risk,credit risk and operational risk all belong to the category of greater influence degree.Policy risk and system risk belong to the category of general influence degree.On this basis,the reasons for the risks of G Bank’s green bond investment business are expounded.In terms of market risks,there is no bond interest rate risk early warning system,and green bond investment is too concentrated,leading to greater risks.In terms of credit risk,there is lack of supervision on the use of raised funds,and imperfect internal rating and information communication.In terms of operational risk,the organizational structure is not perfect,the feasible incentive and restraint mechanism is not established,and the construction of compound talent team lags behind.Finally,the thesis puts forward risk control countermeasures for G Bank’s green bond investment business from three aspects: improving the market risk response mechanism,taking effective measures to prevent credit risk,and improving the control system of operational risk.