Research on the Innovation of Commercial Banks' Green Finance Credit Model: Based on the Case of China Construction Bank

Abstract

In order to achieve the goals of carbon peak and carbon neutralization, the reform and innovation of green finance has also been put on the agenda. Commercial banks as an important part of the national economy, the innovation of green credit model can not only promote the development of green finance, but also lead the high-quality development of China's environmental protection industry. However, because the green credit model of China's commercial banks started late and developed slowly, there are still some problems in many aspects, which need to be further optimized and adjusted. Based on this, this paper first expounds the existing main green credit models of China's commercial banks. Secondly, taking China Construction Bank as an example, it focuses on the green credit model of the pilot Bank of China Construction Bank. It is found that the overall proportion of green credit model is relatively low, the green credit model is single and lack for innovation as well as specialization. Finally, aiming at the above problems, this paper puts forward specific suggestions to promote the innovation and development of green credit model of commercial banks in China.