Research on the Green Credit Process Management in Agricultu Ralbank of China
|Keywords||Agricultural Bank of China Energy saving and environmental protection Green credit Green credit process management|
With the rapid development of the economy and society, depletion of resources and environmental pollution issues become more and more serious, the protection of resource and environment is concerned by every countries. Now, in order to achieve the sustainable development, China continuously promotes the establishment of resource-saving and environment-friendly society, and accelerates the transformation of economic development mode. Green credit as an important means of finance, which supports sustainable economic development, and in China, green credit has become an important part of the environmental economic policies. To tie in with the implementation of the national energy conservation strategy, in February2012, banking regulatory commission combined with the actual situation of China’s banking sector and Issued a "Green credit guidelines". This file makes the specific specifications and requirements for the our country’s banking sector to implement green credit, it guides the commercial banks to improve the green credit process mannagment, and then, the commercial banks can improve the overall management standards of green credit and the development of green credit. Banking will provide more financial support for environmental protection and sustainable development of society.Process management is an important content of green credit management, it puts energy conservation, environmental protection and resource recycling and other requirements into the business, investigation, examination and other processes. Starting from the conception of the green credit, this essay defines the connotation and extension of green credit, with the change of the economic development and related policy requirements, the commercial banks enhance the green credit process management. On the basis of it, this essay researches on Agricultural Bank of China, reviewing the overall situation of the green credit in the bank, and analyses the process management and a case of the bank. Through the above analysis, the essay will point out some problems existed in green credit process management in the bank, and put forwards some countermeasures and suggestions to promote the improvement and development of the green credit process management for the bank. With the continuous improvement of green credit processs management in the bank, it will achieve the win-win goal of the enterprises, the bank and society.