Design The Energy Efficiency Credit Loan For Industrial Enterprises

Although the rapid development of Chinese economy has greatly improved the quality of the life,the competitiveness of Chinese enterprises continue to increase.However,the ecological environment is deteriorating rapidly,the protection of the ecological environment has become a top priority.In recent years,in order to improve the construction of ecological civilization,the Government has introduced a number of policies require enterprises to carry out technological energy-saving transformation,encourage banks and other financial institutions to carry out financial innovation.In addition,the development of green credit will help commercial banks to enhance corporate image,build a sound loan system,and to achieve sustainable development.The existing bank green credit product varieties have been relatively rich,but our country's energy efficiency credit products lack of innovation.There are many large enterprises in industrial enterprises,many enterprises need to carry out energy-saving technological transformation.This paper will start from the energy efficiency credit,designed for an industrial enterprise energy efficiency credit products.This paper mainly start from the government policy,combined with government policies to assess business projects.The assessment will combine the existing bank ratings and project evaluations,and will introduce new green indicators,conduct a comprehensive assessment based on the AHP-FUZZY comprehensive evaluation method,loan pricing is based on final assessment scores.Using cost-plus pricing method,according to the comprehensive assessment results,the loan pricing will be adjusted by the customer integrated value to encourage high-quality enterprises to carry out green technology transformation.At the end of this paper,the risk of the product is analyzed,and the risk control measures are given according to the product risk,and the product marketing scheme is put forward according to the product characteristics,which makes the product play a better role in the market.The innovation of this paper lies in the combination of the current government's preferential policies for green enterprises,by using the method of theoretical analysis and comprehensive analysis,the green evaluation index is added on the basis of the current bank loan evaluation system,the bank loan evaluation system is optimized,the bank's credit support to the green industrial enterprises is increased,and the new ideas are provided for the bank's energy efficiency credit product design.