论我国绿色信贷法律制度的完善

发布时间：2018-03-25 14:00

本文选题：商业银行　切入点：环境责任　出处：《东方法学》2017年02期

【摘要】：我国绿色信贷目前仍然存在对于商业银行的环境责任规定较弱、各类条文共同构成的绿色信贷实现机制未成体系、银行内部机构设置不健全、绿色信贷实施机制不完善等问题。为促进绿色信贷的有效实施,需建立银行内部的风险管理体系、完成贷款审批与环境影响评价和环境信息公开的结合、实现绿色信贷的有效监管,解决商业银行实施绿色信贷的具体操作和长效机制问题。同时,通过《侵权责任法》和《金融法》两条路径尝试引入"潜在责任人"制度,在绿色信贷法律体系中强化商业银行的环境法律责任,推动商业银行积极实施绿色信贷。
[Abstract]:At present, there are still weak regulations on the environmental responsibility of commercial banks in our country, the mechanism of realizing green credit formed by all kinds of provisions is not systematic, and the internal institutions of banks are not perfect. In order to promote the effective implementation of green credit, it is necessary to establish a risk management system within the bank, and complete the combination of loan examination and approval with environmental impact assessment and environmental information publicity. To realize the effective supervision of green credit, to solve the problem of concrete operation and long-term mechanism of commercial banks to implement green credit. At the same time, through the "Tort liability Law" and "Financial Law", we try to introduce the system of "potential responsible person". Strengthen the environmental legal responsibility of commercial banks in the green credit legal system, and promote the commercial banks to implement green credit actively.
【作者单位】：上海财经大学法学院;
【分类号】：D922.28

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