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| 中国工商银行五常支行绿色信贷业务创新发展探究
摘要
随着近些年我国对于环境保护的意识逐渐提升，加之可持续发展战略的逐渐深化，极大的促进了商业银行绿色信贷业务发展，而作为环境监督及可持续发展落实的一项重要举措，绿色信贷业务将申请贷款企业的相关环境以及社会影响信息进行公开，通过公众与政府的监督，使企业提升环保水平，重视绿色发展，极大的促进了我国环境保护与经济可持续发展。本文主要对中国工商银行五常支行绿色信贷业务发展中存在的诸如信贷风险评估机制不健全、绿色信贷业务种类较少以及内部人员能力不足等方面问题展开研究，并提出相应解决对策，能够切实提升中国工商银行五常支行的绿色信贷业务发展水平，对促进地区企业绿色发展，提升区域环境水平，可产生积极的作用。
关键词：中国工商银行；绿色信贷业务；环保；可持续发展
Abstract
In recent years, China's awareness of environmental protection has been graduallyenhanced, and the gradual deepening of sustainable development strategy,which has greatly promoted the development of green credit business of commercial banks. As an important measure of environmental supervision and implementation of sustainable development, green credit business will open the relevant environmental and social impact information ofloan enterprises through the public and the government The supervision of environmental protection, so that enterprises improve the level of environmental protection,pay attention to green development, greatly promote China's environmental protection and economic sustainable development. Under such a background, Wuchang branch of industrial and Commercial Bank of China hasmade great efforts to develop its own green credit business,played a certain regulatory role in regional enterprises,promoted the deepening of regional environmental protection, implemented and implemented the basic requirements of China's sustainable development. However, with the continuous improvement of its green credit business scale, many problems in the development began to emerge Come out. This paper mainly studies the problems existing in the development of green credit business of ICBC Wuchang subbranch, such as the imperfect credit risk assessment mechanism,the lack of green credit business types and the lack of internal personnel ability, and puts forward the corresponding countermeasures, which can effectively improve the development level of green credit business of ICBC Wuchang sub branch, and promote regional enterprises Green development of industry and improvement of regional environmental level can produce positive effect.
Key words: Industrial and Commercial Bank of China;Green credit business; Environmental protection; Sustainable development
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