A Study On The Legal System Of Green Credit In Commercial Banks

As corporate social responsibility, the concept of sustainable development and contribute to the construction of ecological civilization society, the environment responsibility of financial institutions in the international community increasingly concerned. The social from all walks of life to consciousness, the concept of green requires the participation of financial institutions, especially Banks. Banks as financial intermediaries, their lending decisions consideration of environmental factors will have important impact on the environment, and will directly determines the allocation of financial resources and direction. As a result, the concept of green finance by Confucianism gradually recognized and accepted. Green credit system belongs to the green part of the financial, is in such a social background to breed and develop.Than common administrative measures, green credit market regulation function, significantly help law enforcement to effectively control management. However, green credit system in our country is at the early stage of development, and is more institutional defects and technical barriers, urgently needs to strengthen the related legal system construction to achieve the purpose of regulating the behavior of enterprises.By using the method of comparative analysis and empirical analysis, discusses legal issues existing in the green credit policy and technical barriers. Research content includes:what is the meaning of the green credit, green credit policy in our country the problems in practice and the system construction of the green credit legal system three aspects.This paper is divided into four parts:The first part is an overview of the green credit system. From commercial Banks social environment responsibility to introduce and compare the similarities and differences between traditional credit and the green credit, and properties of green credit.The second part is the theoretical basis of green credit. Green credit is a product of ecological theory, based on ecological theory analysis, green credit system have relatively complete theoretical support; The equator principles is the basis of green credit, through to the core content of the equator principles expounded, to build the perfect green credit system provides a standard specification.The third part is the green credit system in the practice and experience at home and abroad. Main elaboration and implementation of green credit in China, and analyzes the policy problems and obstacles in practice. Also introduced the foreign developed countries in the field of green credit implementation, from the legal construction, incentive mechanism and implementation characteristics, combined with the international operation as an example, the model for perfecting the green credit legal system in China.The fourth part is the construction of green credit legal system of commercial bank. Based on ecological theory, combing green credit related main body legal status and responsibilities, mainly for three aspects:government, bank, enterprises, put forward to perfect the relevant legal system, green credit in order to make green credit can truly become China’s financial sector, effectively regulate the behavior of enterprise’s financial policy.