Students of Nanjing Normal University conduct research and practice activities at Bank of Jiangsu

On July 22, the Ganlai, Cao Yinuo and Zhang Meiwen of the Green Credit Research Team of Nanjing Normal University Business School came to the Yangzhou Branch of Jiangsu Bank to conduct field investigations. The team members carefully and meticulously investigated the implementation of the green credit of the Yangzhou Branch of Jiangsu.

In 2012, the China Banking Regulatory Commission issued a notice on the issuance of green credit guidance, thinking that promoting the banking financial institutions with green credit as the starting point, actively adjust the credit structure, effectively prevent environmental and social risks, better serve the real economy, promote the economy Development method transformation and economic structure adjustment.

In terms of green credit, Bank of Jiangsu is the role of the leader. With the support of the product innovation of the head office, Bank of Jiangsu Yangzhou Branch innovatively used a series of product portfolio such as "Green Upgrade Loan in the Park", "Green Innovation Combination Loan", "Su Carbon Rong" and "Environmental Protection Loan" to save energy, consumption reduction, water saving transformation for enterprises , Fundament treatment, solid waste disposal, and urban renewal, environmental protection, etc. provide strong funding guarantee. Jiangsu Bank Yangzhou Branch has closely grasped the integration window of the construction policy of ecological livable cities in Yangzhou, focusing on key areas such as the Lixia River and Guangling Economic Development Zone, which focuses on the concentration of green project resources. The five major main attack directions for the greening of facilities, continuously improve the institutional mechanism, increase the investment in green financial investment, establish a green project reserve, increase the tilt of credit resources, increase the assessment incentives, and promote the rapid development of green financial business.

During the investigation of the Yangzhou Branch of Jiangsu Bank, the team members interviewed the staff of the branch specially responsible for the green credit project, conducted in -depth conversations with them, learned a large number of cutting -edge green credit knowledge, and enriched our knowledge structure. In the communication with the staff, the team members realized that the "green credit" actually incorporated ecological factors into the credit decision -making system. By paying attention to environmental protection and ecology, industries such as environmental protection and ecology have formed to save resources, reduce energy consumption, and reduce energy consumption. Improve the sustainable development strategy of the environment, and support the long -term development of bank credit business with good environmental benefits and social benefits in the future. Jiangsu Bank Yangzhou Branch consciously serve the "double carbon" strategy and support local economic green transformation and development. In 2021, the green loan balance of the Yangzhou Branch of Jiangsu Bank reached 10.028 billion yuan, an increase of 3.836 billion yuan from the beginning of the year, and the scale and increase ranked first in the city. The bank has also become the first financial institution in Yangzhou with a size of more than 10 billion yuan.

After this in -depth practical survey, the team members deeply realized that the implementation of green credit can strengthen the environmental risk management of commercial banks. With the emphasis on environmental protection from all walks of life, "environmental risks" have gradually become one of the risks of commercial banks. Promote green credit, integrate environmental and social responsibility standards into the business and management activities of commercial banks, conduct dynamic assessment and monitoring of environmental and social risks, and provide a feasible path for commercial banks to manage or transfer environmental risks. And environmental issues are increasingly attracted by the government's governments. The environmental protection industry is an emerging industry with development potential. Promoting green credit can expand new business areas to commercial banks, bringing rich "green profits" to promote green credit to enhance commercial banks to improve commercial banks International competitiveness. The Bank of Jiangsu actively developed green credit business, established brand advantages and reputation advantages, improved its reputation in the industry, and obtained social recognition.

Author: Ganlai, Cao Yinuo, Zhang Meiwen

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