绿色信贷背景下苏州市A行环境风险管理研究

发布时间：2018-01-26 07:32

本文关键词： 绿色信贷环境风险信贷管理　出处：《苏州大学》2016年硕士论文　论文类型：学位论文

【摘要】：近年来,中国快速的工业化进程和环境质量退化使得人们不断提高对环境和社会成本的认识,政府也推出了一系列的宏观政策,而其中“绿色信贷”就是从金融层面提出的来推动信贷资金绿色配置的政策,所谓绿色信贷是指金融机构根据国家的相关环保政策及产业政策,从信贷资金的配置上面支持从事节能环保、绿色制造的企业,限制污染项目及污染企业的贷款投放,引导资金流向环保政策支持的行业或项目。因此在这种背景下,我国商业银行应控制高耗能、高污染行业的资金来源,通过在金融信贷领域确立环境准入门槛,从而改善银行业资金运用的盲目扩张;另一方面借款企业若因环保不达标导致被勒令停业整顿或因环境污染引起诉讼及被要求赔偿损失,严重的会导致企业破产,直接威胁到商业银行的信贷资产安全。为降低环境所带来的风险,商业银行应构建起有效的信贷机制,完善环境风险管理。本文从环境风险及信贷管理的概念出发,首先对我国商业银行所面临的环境风险进行分析,其次结合苏州A行环境风险管理的现状,提出问题并分析原因,最后对国内外环境风险管理进行了比较,进而对苏州A行信贷管理体系的构建提出一些观点及看法。
[Abstract]:In recent years, the rapid process of industrialization and degradation of environmental quality in China has made people increasingly aware of the environmental and social costs, and the government has also launched a series of macro policies. Among them, "green credit" is the policy to promote the green allocation of credit funds from the financial level. The so-called "green credit" refers to the financial institutions according to the relevant environmental protection policies and industrial policies of the country. From the allocation of credit funds to support energy conservation and environmental protection, green manufacturing enterprises, limit pollution projects and polluting enterprises loans. Therefore, under this background, the commercial banks of our country should control the sources of funds of high energy consumption and high pollution industries, and establish the threshold of environmental access in the field of financial credit. In order to improve the blind expansion of the use of banking funds; On the other hand, if the borrowing enterprises are ordered to close down for the sake of not meeting the standards of environmental protection, or because of environmental pollution, they will be sued and claimed for damages, which will seriously lead to the bankruptcy of the enterprises. It is a direct threat to the security of credit assets of commercial banks. In order to reduce the risks brought by the environment, commercial banks should establish an effective credit mechanism. From the concept of environmental risk and credit management, this paper first analyzes the environmental risk faced by commercial banks in China, and then combines the current situation of environmental risk management in Suzhou A. Finally, the author compares the environmental risk management at home and abroad, and then puts forward some viewpoints and views on the construction of credit management system of Suzhou Bank A.
【学位授予单位】：苏州大学
【学位级别】：硕士
【学位授予年份】：2016
【分类号】：F832.4

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