Adjustment Effect and Optimization Strategy of Credit Structure under the Double Carbon Goal—Research Based on the Power Industry

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.