Study On The Development Of Green Credit In Underdeveloped Areas From The Perspective Of Green Finance

Since the second half of the 20 th century,the global ecological environment has deteriorated,and the sustainable development,green economy,green finance and green credit have been rising.At present,China's environmental situation is becoming increasingly serious,and the economic development needs to be transformed into green and sustainable model.China's indirect financing dominates in investment and financing system,therefore,establishing green financial system especially the system of green credit investment and curbing pollution investment,is the key to promote transformation and upgrading and sustainable development of China's economy.Gansu,a region with abundant wind and solar energy resources,is the first provincial-level circular economy demonstration area and a national ecological security barrier comprehensive test area in China,there are obvious advantages for green industry development.In the recent years,the province's financial sector takes circular economy demonstration area as the carrier,wind and solar power base in Hexi Corridor and seven circular economy base as the focus,explores and innovates a variety of green credit products and financing ways,and provides a large number of the financial support and effective financial services for the development of green industry in Gansu and the construction of ecological civilization.At the end of 2016,the total amount of green credit in Gansu more than 200 billion yuan,accounting for the proportion of total credit reached 11.52%,higher than the national average of 2.52 percentage points.From the perspective of green finance,this paper takes green credit as the research object,defines the concept and connotation of green finance and green credit through literature retrieval,inquiry data and field investigation,and analyzes the macroscopic theoretical basis and microcosmic theoretical framework of green creditAnd related research results.This paper analyzes the implementation situation,development status and outstanding problems of green credit policy in underdeveloped areas,taking Gansu Province as an example.On the basis of drawing lessons from the mature experience of foreign green credit development,we have made four policy suggestions to accelerate the development of green credit business in our country,especially in underdeveloped areas.First,strengthen the top-level design,as soon as possible to improve the green financial system;the second is to establish a sound green financial policy system;third is to accelerate the construction of green financial infrastructure;Fourth,commercial banks in the organization and management,internal policy system,green credit process And product innovation and other aspects to strengthen the improvement and improvement.