Research on the development status, problems, and optimization path of green finance in commercial banks

With the green economy gradually becoming the trend of global economic development, green finance has also risen to China's national strategy and become a new blue ocean business for the future development of commercial banks. The development of green finance not only plays an obvious role in improving economic efficiency and realizing the transformation and upgrading of industrial structure, but also plays a great significance role in environmental protection, and realize the harmony and unity of man and nature, which is an important initiative to realize the progress and development of the country.The article firstly points out the problems in the process of green finance development, and analyzes the challenges faced in the process of green finance development. Finally, the article gives the optimized ways for commercial banks to develop green finance from four perspectives, such as learning international law governance experience, introducing the Equator Principles for project evaluation, improving policy support, strengthening government guidance, strengthening product research and development and innovation, and attaching importance to talent cultivation, so as to provide a reference for China to further promote green finance and achieve high-quality development.