There is a lot of literature indicating that industrial environmental performance has a positive relationship with its financial performance. Therefore, it should be incorporated into the bank's credit scoring system. However, the current credit scoring system lacks environmental performing factors. As a result, it has led to resource misallocation and lower monetary productivity, financed by the banking system, which in turn made a long-term limitation for a green economy. The main purpose of this research is to construct a new green credit scoring mechanism, which is to substitute the existing one. To achieve this objective, firstly the study establishes a theoretical green credit scoring model, and discusses its optimal financing decision process in the banking system. Secondly, based on these analytical results, this study selects three cases for empirical analysis. According to the empirical results, the research has discovered that green credit scoring can indeed change the financing decision process, which implies that green credit scoring can induce a transfer of funding from brown industries to green industries.