Commercial Banks To Small Micro-enterpirse Green Credit Research

By the threat of global climate change, the whole world is blowing a wave oflow-carbon economy, low carbon economy was once given the title of the fifthindustrial revolution, countries have low-carbon as the direction of the current nationaleconomic development. Finance is the core of modern economy, banks are at the core ofthe financial, in the era of low-carbon economy today, the development of low-carbonfinance has become the primary task of China’s commercial banks. The "green credit"commercial banks as the major financial institutions in China, a major initiative torespond to national sustainable development strategies, the business activities ofcommercial banks together with the improvement of the ecological environment, andcountries to achieve "low carbon" development of a strong financial leverage."Greencredit" by the configuration of the selected funds, to change the industry, the level ofmoney supply and configuration structure, affecting the process of industrialdevelopment, play a role in the adjustment of industrial structure. Promote the processof China’s low carbon economy, to promote the country’s industrial structure adjustment,promote industrial upgrading, to a low carbon, healthy, efficient development. At thesame time, banks are also a huge potential market of low-carbon economy to open uptheir own new world, new profit opportunities.Small micro-enterprise financing in today’s hot, this article attempts to thedevelopment of green credit attention to the small micro-enterprise financing problems.Start from the analysis of the status of small micro-enterprises in economic development,combined with the green credit to elaborate on the importance of small and microenterprises in environmental protection, small micro-enterprise development objectsinto green credit. Combined with a small micro-enterprise financing, trying to establishthat one can fully apply to the green bank credit, can also enable banks to take fullcontrol of small micro-enterprise financing risk assessment system, under the premise ofboth banks’ credit risk reduce bank loans to small micro-enterprise to apply for approvalof difficulty, and the evaluation of low-carbon development enterprises are assessedthrough the system, the selectivity of the loans, which play a green credit adjustment ofindustrial structure, promote industrial upgrading purposes.In addition to selecting the six-financial indicators, six non-financial indicators toestablish the index system in the selection process of indicators, but also theintroduction of five low-carbon index, a total of17indicators of the index system ofevaluation system. And then select the relevant data of100known enterprises to applyfor a loan results, the use of the Logistic regression method used for regression analysis,the financial and non-financial, low-carbon three Logistic regression model expression,proven, this expression can effective evaluation of the probability of default, theenterprise may determine the correct rate of the enterprise belongs to the event morethan90%, with a strong credibility. Then this paper, this comparison of the model applications and dynamicimplementation process instance described. Studies have shown that this model ofsimplicity and safety of the coexistence of features, strong operability of the green ofsmall micro-enterprise credit business loan object.