Abstract

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Title:: Energy management contrast: credit risk and financing mode selection

Author(s):: ZHAO Wu; ZHOU Jian-dong; GAO Ying; PANG Jia-lan; School of Economics and Management, Xidian University, Xi’an 710071, Shaanxi, China; Branch of Shenzhen, The Bank of China, Shenzhen 518005, Guangdong, China; Xidian University Press, Xi’an 710071, Shaanxi, China; School of ?Economics and Finance, Xi’an International Studies University, Xi’an 710128, Shaanxi, China

Keywords:: energy management contrast; credit risk; commercial bank; financing mode; supply chain; cash flow

Abstract:: Energy management contract (EMC) is a service mechanism, which is widely practiced in developed countries and promotes energy saving[JP2] by the means of marketization, and it is of great significance in promoting the development of China’s energy saving industry. But the current difficulty in financing is an important reason for restricting energy management contract in China. Facing the major obstacles in national commercial banks EMC credit business, and based on the analysis of the features of energy management contract, its operational process and its benefit sharing structure, this essay introduces the new mode of small and mediumsized enterprise. Combined with Temasek “Five in One” risk control system and the German IPC microloan technique, it explores national commercial banks energy management contract’s credit mode innovation for small and mediumsized enterprises.