Research on Service Innovation Model of Green Credit Products

For a long time, the economic development of our country is always accompanied by environmental pollution. As the core of the modem economy, the finance should strive for innovation in order to make contribution to the development of green economy. Green finance is the financial innovation model that arising at the historic moment. However, the green finance started late in our country. In terms of the present stage, the development of green credit is faster. In order to promote the development of green finance, green credit innovation is of great significance. This paper begins with the development situation of green credit in our country, expounds the influence of the development of green credit on supply and demand, and makes an empirical analysis on the influence of green credit on the profitability of commercial banks. Then it analyzes the problems of green credit in our country. Finally, it puts forward some concrete suggestions on green credit innovation.