The Research On The Establishment Of Green-Credit Legal Systems In China

China's economy has entered a period of rapid development, but at the expense of the environment and resources abuse. In the long run, environmental issues continue to reveal the healthy development of economy will be restricted. At the present, China's economy is in situation of high growth and high inflation, may have ushered in by the impact of U.S. sovereign credit rating downgrades and the European debt due to the recent global credit crisis, China has to react to this, taken austerity fiscal policy, strict control of credit delivery, in addition to the banks for their own interests to consider the credit operation is not standardized and uniform, resulting in unfair loans, leading many companies to not get loans and facing a crisis of failure. At the same time, high pollution and high energy consumption and overcapacity industries with excess backward mode of development for the abuse of resources, which has been endangering the people's production and life safety in some areas, resulting in the environment cannot be repaired within the short term. And the existing laws of banking institutions is a priority to the development based on economic interests as the starting point and destination, resulting in environmental development has lagged far behind in economic development. August1st,1996implementation of the "General Rules on Loans" is reflected in this feature, now has been unable to meet the development needs of the community and not effectively protects the environment. Therefore, the green-credit regime has a strong practical significance.However, in practice green-credit regime is still at the policy stage, did not rise to the legal level, in the real implementation did not play out the expected social effects. I believe that the first green credit legal system to China's environmental protection laws and environmental and environmental economic laws combination, for environmental protection enterprises to provide preferential loans measures, and for polluting enterprises give punitive measure of loan, use of the environmental economic legal means to curb pollution behavior of enterprises. Green-credit legal system to effectively reduce the cost of environmental governance, saving in administrative funds, compared to administrative means to solve the problems of environmental pollution, more pollution control from the source and fundamental tackling the problem. Secondly, providing a unified and scientific credit standard for financial institutions to effectively prevent human intervention in the financing program of the credit operator, to reduce the ratio of non-performing funds, to some extent, alleviate the situation of the national monetary tightening and corporate lending crisis. Again, In the green credit theory, feasible, some scholars have put forward their own views for the green credit system, but lack of strong support on the law. A series of theoretical system for the green credit system laid the foundation and for the guidance of the green credit system to continuous development and improvement to avoid misguided. Finally, the legal system of the green credit in foreign countries are already quite mature, and the formation of a certain system, in social practice, and has achieved good effect, and China's green credit policy have been in the stage of relatively perfect, in need of legal green credit system to a higher level. For these reasons, I think that our country should be to build a green credit legal system at this stage.