%0 Journal Article
%T Adjustment Effect and Optimization Strategy of Credit Structure under the Double Carbon Goal¡ªResearch Based on the Power Industry
%A Xiangting Chi
%A Xin Hu
%A Ruitong Xia
%A Xiaoxiao Zhang
%J Open Journal of Business and Management
%P 1987-2001
%@ 2329-3292
%D 2022
%I Scientific Research Publishing
%R 10.4236/ojbm.2022.104102
%X This paper focuses on the power industry in China, through the
construction of production function model,
solves the optimization problem of high-carbon and low-carbon
enterprises in power industry, and discusses the adjustment and optimization
strategy of credit structure in it. The highlight of the article is to look at
the impact of the inclination of credit resource allocation to the green and
low-carbon field from a more holistic and dialectical perspective. Research
shows that the credit mortgage rate adjustment policy is more conducive to the
withdrawal of backward production capacity in high-carbon industries, while the
interest rate policy is more conducive to expanding production capacity by
supporting technological progress in new industries. When adjusting the
high-carbon and low-carbon credit interest rates, adopting the
¡°small-then-large¡± interest rate adjustment path with a gradually increasing
range is more conducive to realizing the industrial structure adjustment and
ensuring the power capacity supply at the same time. Therefore, in order to
avoid the phenomenon of ¡°moving carbon reduction¡± under the dual carbon goal,
banks can consider the strategy of ¡°focusing on interest rate instruments in
the early stage and mortgage rate control in the middle and late stages¡± when
formulating credit policies for the power industry, so as to help better
realize the continuous transformation of old and new kinetic energy under the
dual carbon goal.
%K Low Carbon Transformation
%K Credit Resource Allocation
%K Credit Struc-ture
%K Power Industry Production
%K Function Model
%U http://www.scirp.org/journal/PaperInformation.aspx?PaperID=118815