Research On The Environmental Risk Management Of Small And Medium-size Enterprises Under The Background Of Green Credit

In recent years, with the rapid development of China economy, environmental problems arebecoming more and more serious, the government also launched a series of macro policy, the"green credit" is put forward from the financial aspect to promote green credit funds allocationpolicy. In other words, the green credit refers to the financial institutions according to the nationalenvironmental policy and industrial policy, support from the credit funds allocation is engaged inrecycling economy, green manufacturing enterprises and institutions, limit pollution and pollutionenterprises, guide support industry funds flow to the environmental policy or project. In thiscontext, registered domestic enterprises accounted for more than90%of small and medium-sizedenterprises are facing more serious financing environment and industrial upgrading pressure thanlarge enterprises, financial institutions and the small and medium-sized enterprise also faces apotential environmental risk. The environmental risk in this paper refers to the green creditbackground, because of the change of the national environmental policy, or their lack of theconsciousness of environmental protection and influence the normal operation of enterprises,eventually lead to default risk or indirectly make the banks face legal risk, reputation etc.. Thesignificance of the research environment of small and medium-sized enterprises under thebackground of green credit risk management in small and medium-sized enterprises are largeenterprises are more likely to make banks environmental risks, SMEs accounted for a largerproportion of bank customers, universality, small and medium-sized enterprises widespreadfinancing problems and green credit policy would exacerbate the problem. Environmental riskmanagement aims to enable the banks in the implementation of "green credit" at the same time,understand the environmental risks of credit risk, and seek sustained release of environmental risk,and promote the transformation of small and medium enterprises to environmental protection, lowcarbon and sustainable development, the green credit business healthy development.This article uses the literature material law and model analysis, analysis of the financingproblem facing the situation of domestic green credit development and small and medium-sizedenterprises, and then based on the bank’s internal rating model, through correlation analysis toderive existence is positively related to the environmental factors and the credit rating, as the bankguard against environmental risks in credit access links provide a reference basis, and puts forwardthe methods and suggestions for risk. The main body of this paper first analyzes the financing problem of small and medium-sized enterprises, domestic and foreign research present situation ofdomestic green credit development and in this context, and then analyzes the classification andcauses of environmental risk. Next, based on internal rating model bank, joined the environmentalfactor, the environmental factor and the credit rating was positively related to the conclusion, andfurther demonstrated through case analysis. In the last chapter, according to the results of theanalysis, for Bank put forward countermeasures and suggestions to develop Green Credit andprevent environmental risks. Based on the environmental risk management, so that banksrecognize the environmental risk, environmental risk and promote the transformation of sustainedrelease, small and medium-sized enterprises to environmental protection, low carbon andsustainable development, the green credit business healthy development.