Empirical Study on Green Credit in Banking Industry under the Background of Fintech

Abstract

To further improve the green financial standards in China, it is necessary to set the general catalogue of green financial standards, enhance the official guidelines and standards of green certification and rating, and build a professional research group to solicit opinions from enterprises and professional institutions. Strengthen the green financial support system by setting up promotion mechanism of green financial concept, credit structure adjustment, green financial technology management and carbon emission target responsibility assessment. We can build a green financial risk prevention mechanism through risk management performance appraisal and compensation system, information compulsory reporting and spot check mechanism, technical assistance and knowledge sharing. Program of getting innovative financial products can be conducted through green financial statistical monitoring management system and multi-level financing management mode, with optimizing the development of carbon financial products and services, and introducing international advanced green financial technology.