The Research The Application Of Green In Chinese Commercial Bank Based On Fuzzy Comprehensive Evluation Method

Credit is an important direction of China's banking industry to improve the quality of development to meet the international competition, but also the impetus of changing the mode of economic development and economic restructuring. National attentions to environmental protection also forced banks make changes in their business development. China's banking industry has recognized the importance of green credit for the performance of the bank's social responsibility and long-term economic benefits. Green credit, as the business philosophy, involves green credit strategy formulation, implementation and management of green credit structure, policy and system improvement, environmental and social risk management capabilities, green office degree of energy conservation and other aspects. How to combine the qualitative and quantitative factors of the implementation of green credit so as to make a comprehensive and objective evaluation has an important reference value and practical significance for the banks and regulators of policy making.Firstly, from the development history of green credit, the theory and practice at home and abroad is described, which laid the paper's theoretical basis. The thesis focuses on analyzing the characteristics and effects of green credit, specifies the key points of green credit evaluation.Based on the analysis of the implementation of past experiences, the Fuzzy Comprehensive Evaluation Method is introduced.Secondly, the principle of fuzzy comprehensive evaluation method has been discussed, highlighting the advantages, feasibility and importance of fuzzy comprehensive evaluation. And I introduce the fuzzy comprehensive evaluation method in the evaluation of the effect of green credit application, including the basis and conditions for the evaluation index system, the principles to be followed. Eventually, based on the "green credit guidelines", the thesis establishes the effect of the green credit evaluation index system and fuzzy comprehensive evaluation method to calculate the relative weight of each index, constructs the fuzzy consistent matrix evaluation. This system will be able to provide specific and feasible evaluation for the comprehensive green credit evaluation of the bank. Although the gain of relative importance is based on the local experts, the system is still a strong indicator system can be copied and operated.Finally, through specific case studies, the paper illustrates the application of fuzzy comprehensive evaluation method in practice, verifying its effectiveness and usability.This is the first time that the fuzzy comprehensive evaluation method will be introduced to the effect of the implementation of green credit. The paper establishes an evaluation system that containing corporate governance, system construction, the whole process of managing credit, environmental and social risk management and so on. Not only the research provides a scientific basis for the evaluation of the effect of banks'implementation of green credit, but also will be benefit for the further reference of the bank's green rating system.