A Study on the Problems and Countermeasures in the Implementation of Green Credit Policies at Bank of Beijing—A Case Study Based on 2017–2024 Data

Abstract

Since the implementation of green finance policies, numerous empirical studies have confirmed their positive role in promoting the expansion of green credit by commercial banks. However, for individual banks, the transition toward green finance still faces various obstacles and challenges. This paper takes Bank of Beijing as the research object and analyzes the transmission mechanism, implementation dilemmas, and adaptive strategies of green finance policies based on data and materials from 2017 to 2024.The findings indicate that although the balance of green credit at Bank of Beijing has continuously increased, there exist deviations in implementation quality. These deviations stem from the design of performance assessment indicators, resource constraints during transformation, technical deficiencies, and the objective needs of economic development. In response, the bank adopts adaptive strategies such as “selective compliance,” “indicator decomposition,” and “relationship-based governance,” which help achieve short-term compliance goals but may accumulate risks of “greenwashing” and hidden asset quality issues in the long run. This study provides insights into the micro-level implementation logic of green finance policies and contributes to improving differentiated regulatory frameworks. Based on the analysis, this paper proposes that banks should proactively transform: in the short term, strengthening “substantive compliance” and optimizing assessment mechanisms; in the medium term, focusing on niche areas to build differentiated competitiveness; and in the long term, upgrading from “credit providers” to “transformation service providers” to achieve ecological restructuring and value creation.