| With the rapid growth of the global economy, the problems of environmental pollution and sustainable development have become the focus of attention. The exposure of multiple pollution events around the world, national environmental governance has become the focus and difficulty of the moment. In Britain in 2003 promulgated the "energy white paper" is put forward for the first time in a sustainable development for the concept of low carbon economy concept. Then many countries have introduced policies to the transformation of economic growth mode, committed to realizing the sustainable development of low carbon. In this process, the flow of capital and the transformation of supply and demand as the core part of the economy is playing an indispensable role. And the banking industry as the most important distribution channels, must assume the social responsibility and obligation. In June 2003, 14 banks led by Citibank in London jointly signed the "Equator Principles".At present, a total of 72 famous banks and large financial institutions in the world to join the equator principles. On the basis of active practice and perfect the theory of carbon finance, the idea of green credit was put forward in 2007. The use of the banking industry as a hub, promoting financial resources from the "two high and one left" to the industry of energy saving and environmental protection industries. Over the past 9 years, green credit has achieved remarkable results, effectively reducing the occurrence of environmental pollution incidents, to accelerate the pace of economic and social transformation of the ecological. But after all, our country started late in this field, there is still a gap between the international level. At the same time, the green credit risk has the particularity, not only faces the traditional credit risk, but also has the special environment risk. At present, China’s banking industry green credit risk assessment system is not perfect, can’t effectively manage the risk, to a certain extent hindered the pace of development of green credit. As a result, how to help the bank to establish a perfect management system of green credit risk assessment has become the focus of research.This paper summarizes the reference and sums up the basic theory of traditional credit risk management, combined with the theory of sustainable development and environmental risk theory, in-depth research, put forward suitable for China’s banking industry in the future development of the theory of green credit risk management. In this paper, the reasonable definition of the green credit and its risk and meaning, and its characteristics are described in detail. Based on the particularity of the risk, through the theoretical analysis and case analysis, the source of the green credit risk is analyzed in depth. Based on the traditional bank credit risk control methods, adding environmental risk factors, using a combination of qualitative and quantitative analysis methods, combined with the data collected by using the analytic hierarchy process, to establish the green credit risk rating model based on the environmental factor, and select the sample enterprise application. The establishment of the model can effectively identify the risk level of the enterprise, determine the reasonable credit policy, prevent and manage the risk. In addition, through the implementation of the model, we can strictly control the flow of capital flows to the high energy consumption of polluting enterprises, reduce the possibility of environmental pollution, ease the social contradictions brought about by pollution, and promote the sustainable development of economy. At the same time, in perfecting the theory system and practical guiding significance at the end of this article, in view of the existing China’s implementation of green credit and development issues, and how to build our country’s commercial bank credit risk management system of green development, puts forward some specific countermeasures and effective mechanism. |
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