Abstract
In recent years, China's rapid development has brought severe environmental problems. We need to vigorously support the development of green credit and strive to innovate green credit products. Aiming at the diversity and ambiguity of green credit evaluation indicators, we propose a green credit product design method based on fuzzy concept lattice. Firstly, we improve the theory of fuzzy formal concept analysis and design a construction algorithm based on non-repetitive attribute set. Secondly, the reference information about green industries from different sources is added into a fuzzy formal context, and then the fuzzy concept lattice structure is generated by the construction algorithm based on non-repetitive attribute set. Thirdly, we propose a clustering method which considers the weights of attributes to reduce the size of the fuzzy concept lattice, and we use the relaxation error to evaluate the performance of the fuzzy concepts. Finally, we design some green credit products according to the results of the methods proposed in this paper, which are proved to be correct and effective.
Highlights
In 2012, in the report of the ‘‘18th Communist Party of China National Congress’’, ecological civilization construction was proposed to put in a prominent position and be integrated into economic development, social construction, and other aspects
If we summarize the existing fuzzy concepts clustering methods, we can find that most of these methods cluster fuzzy formal concepts according to the similarities between fuzzy formal concepts [24], [25], and the fuzzy formal concepts are transformed into a poset with hierarchical relationships
The following innovative achievements have been achieved: 1) Based on the fuzzy concept lattice theory, we improved some definitions of fuzzy formal concept analysis (FFCA) and a new fuzzy concept lattice constructing algorithm was designed and implemented
Summary
In 2012, in the report of the ‘‘18th Communist Party of China National Congress’’, ecological civilization construction was proposed to put in a prominent position and be integrated into economic development, social construction, and other aspects. The commercial banks should learn from the foreign innovation mechanisms in green credit product and strive to develop products for different energy conservation and environment protection enterprises combining the current situation and characteristics [4]. In this way can we support our energy-saving and environment protection industries, and get more excellent economic benefits, so the green credit is a significant measure to deal with environmental risks and enhance the competitiveness of enterprises. In order to solve the complexity and uncertainty of evaluation indicators for energy-saving and environmental protection industries, we will use an evaluation method based on fuzzy concept lattice to explore green credit products. The larger the granularity is, the fewer attributes the intent contains
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