The concept of green credit comes from green finance, which comes from green civilization. Green civilization is a civilization that pursues the harmonious existence and development of environment and human beings.

Green credit is often called sustainable financing or environmental financing. Different researchers have different understandings of green credit, but in general, green credit should include the following meanings:

First, one of the goals of green credit is to help and urge enterprises to reduce energy consumption and save resources, incorporate ecological and environmental factors into the accounting and decision-making of the financial industry, reverse the extensive business model of enterprises polluting the environment and wasting resources, and avoid falling into a vicious circle of pollution first, treatment later, pollution again and treatment again;

Secondly, the financial industry should pay close attention to the development of "no immediate benefit" industries such as environmental protection industry and ecological industry, pay attention to the long-term interests of mankind, feed back the financial industry with good ecological and economic benefits and environment in the future, and promote a virtuous circle of finance and ecology.