On Research Of Development Of Green Credit Under The Financial Perspective

The concept of sustainable development has become a global consensus. China’s green development and low carbon development reflect the connotation of sustainable development. Modern finance is exploring how to promote the economic and social sustainable development, green finance shows that human can get rid of traditional industrialization process, promoting industrial transformation and upgrading. For nearly20years, domestic and foreign Banks are in the exploration and practice of green credit, green credit policy, optimizing the credit structure, environmental and social responsibility, supporting the development of green economy. Therefore, green credit problem not only has theory value, but also has a practical significance.In this paper, with the concept of sustainable development and green finance, green financial instruments-"green credit" is explored from four aspects. First, based on the characteristics of traditional finance to analyze traditional financial characteristics of profit-driven, not considering the ecological environment and social responsibility problem, putting forward along with the concept of sustainable development. The developed countries take the lead to carry on the transform from traditional finance to green finance, the international gold standard "equator principles" suggests that foreign financial institutions’practice to the green financial. Second, through comparing with the limits of traditional credit, emphasizes the significance of green credit, the effect in industrial structure adjustment of our country, strategic emerging industries, energy conservation and emissions reduction technologies, joined the contract energy management mechanism, through the case to support for contract energy management project. Third, analyze the characteristics and tendency of the development of green credit both at home and abroad, drawing lessons from foreign successful experience of green credit to promote the green credit policy and economic transformation in China. At the same time, this paper expounds the green credit evaluation system, including the evaluation of environment, energy consumption, production safety, highlights the importance of green credit evaluation system and practice. The last but not least, analyze the problems and challenges of green credit, including risk issues, social responsibility and solution to these problems, including conflict of stakeholders, the balance between economy and environment, promoting the development of green credit in China.