Research On The Impact Of Green Credit On Enterprise Transformation And Upgrading

Nowadays,our country is in the transition period of economic development.The development mode of high energy consumption and low efficiency can not adapt to the current stage of economic development in our country.The development mode needs to be changed urgently.For the traditional metal smelting industry,there is also a contradiction between low-end overcapacity and insufficient supply of high value-added products.In such a severe situation,transformation and upgrading is the only way out for development.In this paper,case study method is adopted,case selection adheres to the principle of unification of typicality and reality,and case study is carried out on Z enterprise,the leading enterprise in metal smelting industry.According to the process of case study,this paper carries out literature review and commentary,review of related theory concepts,case study design,case data collection and case data analysis in turn.Through the analysis of data before and after the transformation period of Z enterprise,this paper finds out the path of investment and financing and the key factors influencing the success of Z enterprise in the transformation period,and the influence of enterprise investment,enterprise financing and bank-enterprise relationship on the transformation and upgrading of Z enterprise respectively,in order to find the way out for the transformation and development of traditional metal smelting industry in the future.Through the analysis of the case,Z enterprise has formulated the development goal of transformation and upgrading,taking improving enterprise investment and financing as the breakthrough point,green credit guidance as an important supplement,driving investment transformation through financing demand,and realizing the transformation of enterprise development direction.In terms of financing,under the influence of green credit policy,the transformation of enterprise investment is promoted through three aspects:financing cost,financing scale and structure,and matching degree of investment and financing.In the aspect of enterprise investment,through product upgrading,technology investment and upgrading,backward project rectification and industrial chain extension investment,the transformation and upgrading of enterprises are affected.In the process of transformation and upgrading of enterprises,Green Credit provides financial support,direction guidance and project supervision,which is an important supplement to the transformation and upgrading of enterprises.The above three aspects play a common role.In the process of transformation and upgrading of Z enterprises,we can get the best path of transformation and upgrading of Z enterprises,that is,to respond positively to the trend of national green credit development and market changes,to improve the added value of products,reduce financing costs,speed up the transformation of backward projects,enhance the cost of technological transformation and R&D,improve the relationship between banks and enterprises,and extend the investment of industrial chain,so as to cater to Green Credit.The transformation requirements of loans to the two high-tech enterprises will enhance the compatibility between the development of enterprises and the development trend of the country.This paper studies the impact of investment and financing and the relationship between banks and enterprises on the transformation and upgrading of traditional enterprises,and provides a reference for the exploration of the path of transformation and upgrading of traditional enterprises.