Green Credit Of Commercial Banks In China Development Research

As more and more practical experience has shown that the use of economic levers to guide the environmental protection is more than the traditional administrative means to save administrative costs, to optimize of capital allocation, to improve technical creation, and to raise the level of public participation. The Chinese government has also begun to use economic levers to guide the adjustment of economic structure. In July 2007, State Environmental Protection Administration, People's Bank of China and China Banking Regulatory Commission jointly issued the "on the implementation of environmental policies and regulations to prevent the views of credit risk," the first time it was proposed by the government wants to use the power of the policy in the financial industry to promote green credit, inhibit the "high energy consumption, high pollution" the industry's development. But in the green credit introduced two years, promoting the progress of green credit, is not satisfactory. In this paper, writer go into the details of the financial crisis at some of the environmental impact and the three technical problems of barriers to green credit extension. At the same time understanding and analysis developed through practical experience, combined with China's own conditions, writer give the solutions to develop the green credit. To develop green credit, not only requires government departments to develop incentives, environmental standards, laws and regulations, strengthen the guidance, supervision and management, environmental protection and the financial sector to further improve communication and information sharing mechanism, improving the financial environment, financial institutions also need to gradually improve internal the relevant institutional mechanisms, improve the definition of risk, strengthen risk management, strengthen internal management of financial institutions to accelerate the building of an internal system to strengthen the talent pool and training. Up and down together, green credit will be carried out smoothly.