Research On The Legal Issues Of Green-credit

Environmental situation in our country increasingly serious in recent years, some high-energy high-pollution industries expand blindly, environmental illegal phenomenon of construction projects in some areas is more prominent, governments aggravate the punishment to the enterprises for their pollution of the environment, so shutting down enterprises due to the pollution caused by them have also increased credit risk, all these have a serious impact on social stability and economic security. The presentation of Green-credit is a means of environmental protection through the regulation of financial leverage to achieve specific, requiring based on national economic policy environment and industrial policies, the commercial banks and policy banks and other financial institutions support the provision of loans and the implementation of preferential low interest rates to R & D and production pollution control facilities , engage in ecological protection and construction, development and utilization of new energy sources, engage in the production of circular economy, green manufacturing and eco-agricultural enterprises or institutions ,and support the production of pollution and pollution of new business investment loans and working capital credit lines for the implementation of punitive restrictions and high interest rates. Compared with a number of administrative measures, such as Green-credit of a market economy is often very effective, and enriched the means of environmental protection for law enforcement department in a way. However, China's Green-credit system has just started, there are still a lot of the institutional and technical problems, The important things are the insufficient feasibility and validity of implementation standard, inadequate communication mechanism and the lack of incentives.In this article, I will analysis specific questions of these three aspects, and present the corresponding measures which are learned from practical experience at home and abroad. I hope that the resolution of these issues would make the whole function of our country's Green-credit system into full play, guide the flowing of funds and loans to promote the cause of national environmental protection enterprises and institutions, pulls funds out suitably leaves enterprise and projects which destroy and pollute the environment, in order to achieve a "green configuration" of funds really.