The Thinking On Building Chinese Green Credit Mechanism In Low Carbon Economy

With the growing development of the economy and human society, the globalclimate and environmental problems are becoming a big issue all over the world，developing low carbon economy has gradually become the international mainstreamvalues, we can say, low carbon economy is a huge step forward of human toecological civilization. The cultivation and development of low carbon economy isinseparable from the support of the three aspects of the government, financial andtechnical, green credit has the vital role in the financial element. The essence ofgreen credit is to correctly deal with the relationship of the financial industry and thesustainable development. Green credit is not only an important economic method tocontrol pollution and protect the environment, it is also the inevitable trend of thedevelopment of banking industry in the21st century. In China, in the currentfinancing structure which main part is indirect financing, bank credit hold thedominant position, the support role of green credit is very important for low carbon.But, there were still many problems in the process of developing green credit of ourcountry commercial banks, In this context, it is a imminent and important question toresearch on how to construct green credit mechanism in our country, and how topromote low carbon economy through green credit.In the first of this thesis，through the introduction of related content of lowcarbon economy and green credit，this thesis pointed out the important significanceof developing green credit; Secondly, this thesis use game theory model to analyzebehavioral characteristics and strategic options of the main participant of China’sgreen credit to find the green credit difficulties and try hard to provide theoreticsupport for building green credit mechanism in China; Thirdly, this thesis contrastsand analyzes the practice of green credit of the foreign and domestic commercialbanks, and summarizes the enlightenment of green credit experience of developedcountries to us. This thesis also analyzes the problems in the process of developing green credit of the banks in China deeply, such as the faults of legal policy, the lackof responsibility and incentive mechanism of green credit, the contradiction betweenmanagement objectives and social responsibility of commercial banks,communication mechanism problems of environmental protection information, lackof talent; Finally, this thesis brought forward the corresponding countermeasure andsuggestion for constructing the construction of green credit mechanism from threeaspects of the government, commercial banks and policy banks.