Research On The Implementation Effect Evaluation Of XY Commercial Bank Green Credit Based On Fuzzy Comprehensive Rating Method

With the continuous growth of the global population and the continuous development of human society,the destruction of the ecological environment system by human beings becomes increasingly serious.In order to solve the contradiction between development and ecological protection,human beings must pay attention to environmental protection.At present,China's economic and social development is gradually stepping into the new normal and a new period of transformation and upgrading.To truly build a green credit system in line with China's national conditions is the only way for the sustainable development of China's financial industry.In 2012,in order to promote the development of green credit among financial institutions in the banking industry,the China banking regulatory commission required Banks and other financial institutions to conduct a comprehensive evaluation and estimation of green credit on a two-year cycle basis and report the results on a regular basis.The CBRC also required that the banking supervision institutions should comprehensively evaluate and predict the effect of green credit of the banking financial institutions,and take the results obtained through the evaluation as the key criteria for the supervision and rating,department access,transaction access and executive performance evaluation of the banking financial institutions.Therefore,it is urgent and necessary to evaluate the implementation effect of green credit in banking financial institutions.This paper USES qualitative and quantitative combined,from individual to the general analysis method,to the XY bank as the research object,using the fuzzy comprehensive evaluation method to carry out green credit effect was evaluated,first set the XY bank green financial evaluation index,after all the data collected through questionnaire survey,the data is set processing,uncertainty evaluation set and determine the weighting sets,finally it is concluded that the various indicators of specific evaluation.Empirical results indicate that,by 2016 and 2017 contrast can be seen that the score of the green financial implementation of the results of the evaluation is on the rise trend,real and effective to reflect the XY bank currently good development momentum,but still exist thefollowing problems including: mainly include imperfect organization setting,lack of effective mechanism of rewards and punishment and environment risk assessment mechanism,the lack of environmental information and environmental risk assessment mechanism,green credit lack of talented students.Combined with XY bank green credit development condition and the conclusion of empirical research,puts forward the XY bank better including major optimization are put forward on the implementation of green credit of credit business environment and the credit risk control,the implementation of the green credit implementation of differentiation strategy,supported by science and technology,innovation and development strategy,combined with green credit effect to improve employees' incentive system and so on four aspects.