Research On Bank PV Green Financing Products Under The New Trend

Under the background of resource shortage and accumulation of environmental pollution,green finance has become an important force to accelerate the transformation and upgrading of industrial structure and promote the sustainable development of social economy.The Photovoltaic(PV)power generation industry is a new energy industry for eco-environment protection,it is a typical representative of the new economy and has become an important fulcrum for China's green development.However,the development of photovoltaic power generation has been restricted and troubled by financing problems as a capital-intensive industry.In the development of PV power generation industry,how to reflect the guiding role of green finance in the process of cultivating a new economy,it is quite necessary.To this end,this paper has carried out a theoretical and practical study on the research and development of PV Green financing products under the new trend.Starting with the introduction of green finance theory,the paper briefly reviews of the development and practice of green finance in domestic and overseas,makes a mechanism analysis on the practical application of green finance in the financing of photovoltaic power generation industry,combined with the development course of the Photovoltaic power generation industry,the change of industry policy and the development of industry financing,expounded that the development of PV power generation industry is facing a new trend of parity online access,pointing out that the existing bank PV Green financing products can not adapt to the new trend of the industry,it need innovative research and development,and need calculation and verification through the distributed PV power generation example model.Base on further demonstrating the necessity and practicability of developing new green photovoltaic financing products by banks,the paper analyzes item by item focuses on the banks new PV Green financing products research and development strategy,project selection,quality control,loan term,credit enhancement means,loan quota,pricing management and repaying source,though the example model calculation,it demonstrates the bank's new PV Green financing products with innovative design and development can fully meet the new development trend of the parity online access in the PV power generation industry.The paper puts forward that the development stratagy of first commecrical system then civilian system in the process of implementation,and should effectively utilize the current subsidy policy to achieve a smooth transition and evolution,also carries out a calculation and analysis on the cost conditions of achieving completely unsubsidized parity Internet access,and proposed related policy recommendations.The research in this paper is expect to provide useful help and support for banks to practice green finance in the field of PV power generation.