Study On The Impact Of Green Credit On The Industrial Structure Adjustment In Gansu Province

With the rapid development of economy and society,the problems of excessive consumption of resources and pollution of ecological environment have aroused widespread concern.Various countries in the world have begun to actively study the issues of protecting the environment,promoting ecological civilization and economic development,making sustainable development and green development the main theme of the new era.In recent years,Gansu has also issued policies and regulations on the protection of the ecological environment,the recycling of resources and the green development,stipulating that banks should give priority to providing loans to environmental protection industries and implement preferential low interest rate policies;on the contrary,for industries with high pollution and energy consumption,banks should strictly control loans and implement punitive high interest rate policies,and withdraw them when necessary.Loans granted.Therefore,green credit policy came into being.In Gansu's industrial structure,the second and third industries play a leading role,but in the second industry,the output value of polluting industries such as steel and coal accounts for a large proportion,while the output value of environmental protection industries accounts for a relatively small proportion.This industrial structure does not meet the requirements of energy saving and environmental protection in Gansu.The green credit policy enriches the financing means of energy-saving and environmental protection industries,but also prevents the blind expansion of high-pollution and energy-consuming industries,and promotes the transformation of Gansu's industrial structure to a green mode.Therefore,the implementation of green credit policy and the optimization and adjustment of Gansu's industrial structure are the embodiment of the sustainable development and green development idea.Therefore,the contents of this paper are as follows: Firstly,the second chapter introduces the concepts and theories of green credit and industrial structure,as well as the four major mechanisms of green credit promoting industrial restructuring: capital formation mechanism,capital-oriented mechanism,credit transmission mechanism and industrial integration mechanism,which lays a theoretical foundation for the analysis of the whole article;secondly,it introduces the four mechanisms of green credit promoting industrial restructuring.The third chapter introduces the current situation of green credit promoting industrial restructuring in Gansu Province,and analyses the effects and problems of green credit promoting industrial restructuring in Gansu Province.Then,the fourth chapter proves the relationship between green credit and three major industries in Gansu Province through grey relational analysis model,and concludes that green credit has the best effect on the tertiary industry in Gansu Province.Finally,in view of theproblems existing in the process of green credit promoting industrial restructuring in Gansu Province,the fifth chapter puts forward countermeasures and suggestions from four aspects: building legal system,improving credit incentive mechanism,optimizing information disclosure and sharing mechanism,and innovating green credit products.