| With the rapid development of economy, while enjoying the results of human, and the conflict between the natural environment are increasingly serious. Green credit is proposed increase in an important measure of ecological protection in our country, the so-called green credit is to point to a bank and other financial institutions to engage in research and development, ecological construction and development of enterprises offer certain preferential lending policies. In recent years, green credit development in our country, the industrial and commercial bank of China, agricultural bank of China, Shanghai pudong development bank and other Banks launched the green financial products and actively join the equator principles. Throughout the literature known by many scholars both at home and abroad to do a lot of research on credit risk, credit risk quantitative model is also emerge in endlessly, but because of the green credit in our country, put forward soon, development is not mature, relatively few domestic scholars to empirical study of green credit risk issues.This article through to the introduction of green credit, credit risk definition, influence factors of credit risk and credit risk evaluation methods of analysis, this paper chooses AHP and BP neural network to build green credit credit risk assessment model, at the same time,on the basis of the establishment of green credit purpose, and the characteristics of the system of "one ticket veto" environmental protection green credit credit risk assessment model can be divided into two parts. The first part, green credit rating model environmental protection.Because enterprise’s environmental performance in the green credit credit risk assessment occupies very important position, once the enterprise and the environmental assessment of the new project is not in conformity with the international relevant agreement and relevant national laws and regulations standard is judged to be red or black, the bank will not be enterprise loans; Only conform to the environmental protection standard, that is, was rated as green, blue and yellow corporate banking for the enterprise credit risk assessment, the application of the second part of the building model in this paper. The second part, using green credit credit risk assessment model for green, blue, and yellow enterprise credit risk assessment, through the analysis of the factors influencing enterprise credit risk, assessment,calculation, it is concluded that enterprise’s credit rating. |
