The Inner Mongolia Autonomous Region is still facing many difficulties and challenges in optimizing and adjusting its industrial structure and in achieving the goal of carbon neutrality at peak carbon. In order to study the impact of the implementation of green credit policy on the optimization and upgrading of industrial structure in Inner Mongolia Autonomous Region,on the basis of the research of domestic scholars,the impact mechanism of green credit on the optimization and upgrading of industrial structure, as well as the current situation of industrial structure and green credit development in Inner Mongolia Autonomous Region are analyzed. Based on the panel data of 12 leagues and cities in the autonomous region Inner Mongolia, an empirical study on the relationship between green credit and the industrial structure of the autonomous region is conducted. Research has shown that green credit can promote the optimization and upgrading of industrial structure in autonomous regions, but its promoting effect varies among different regions; Green credit has shown positive and negative inhibitory effects on the development of the secondary and tertiary industries respectively. Finally, policy recommendations are proposed to improve the green credit policy system and mechanism, including strengthening the green credit financing mechanism of financial institutions, and strengthening regional research and development capabilities and technological innovation mechanisms.