基于赤道原则的XX商业银行绿色信贷的环保风险管理研究

发布时间：2018-04-08 16:18

本文选题：风险管理　切入点：赤道原则　出处：《重庆理工大学》2017年硕士论文

【摘要】：随着全球环保产业的蓬勃发展,绿色信贷越来越备受瞩目。接受赤道原则,发展生态金融,实现经济效益与社会生态效益双丰收,在国际银行业已经成为一种共识和趋势。绿色信贷的准则是赤道原则。赤道原则是一套非官方规定的,由世界主要金融机构根据国际金融公司的环境和社会政策和指南制定的,旨在用于确定、评估和管理项目融资过程中所涉及环境和社会风险的一套自愿性原则。随着生态文明的推进和金融全球化程度的不断加深,如何防范绿色信贷过程中的环保风险已成为亟待解决的问题。本文将从赤道原则的视角出发对绿色信贷环保风险的相关现状和问题进行分析并给出对应的对策。由于赤道原则引入我国时间较晚,绿色信贷业务起步略迟,因此对于它的相关研究较少。基于上述背景,将赤道原则结合引入绿色信贷环保风险中,从绿色信贷风险、环境法律风险、绿色信贷声誉风险以及绿色信贷操作风险等方面进行现状和问题分析,对赤道原则下商业银行进行绿色信贷环保风险管理有着十分重要的参考意义。本文运用文献研究与案例分析相结合的方法对所选课题展开研究。首先,对赤道原则、绿色信贷以及绿色信贷环保风险进行相关概念界定和文献综述,为后文提供支撑,并引入赤道原则对绿色信贷环保风险进行阐释。然后,在实地了解案例公司XX商业银行并获取案例资料后,从绿色信贷风险、环境法律风险、绿色信贷声誉风险以及绿色信贷操作风险等方面剖析了其现状并找出问题,并针对问题提出了相应的风险管控对策:(1)信贷环节:引入符合赤道原则的项目融资,并在各个绿色信贷环节进行风险防范;(2)环境法律风险管控方面:建立健全绿色信贷政策及环境法律法规,从相关法律和政策层面控制好环境法律风险;(3)声誉风险方面:将XX银行自身发展目标和社会责任统一起来,对其实施绿色信贷声誉风险进行有效防范;(4)操作风险管控方面:完善绿色信贷流程,并应对好各环节绿色信贷操作风险的防范。最后,进行了总结。本研究对于赤道原则下的绿色信贷环保风险研究具有一定的实践价值和决策参考意义。
[Abstract]:With the vigorous development of global environmental protection industry, green credit is attracting more and more attention.To accept the equatorial principle, to develop ecological finance and to realize both economic benefits and social ecological benefits has become a common understanding and trend in international banking industry.The norm of green credit is the equatorial principle.The Equator principles are a set of unofficial provisions developed by the world's leading financial institutions on the basis of the environmental and social policies and guidelines of the International Finance Corporation and are intended to be used to determine,A set of voluntary principles for assessing and managing environmental and social risks involved in project financing.With the promotion of ecological civilization and the deepening of financial globalization, how to prevent the environmental risk in the process of green credit has become an urgent problem to be solved.This paper analyzes the current situation and problems of green credit environmental protection risk from the perspective of equatorial principle and gives corresponding countermeasures.Due to the late introduction of equatorial principle and the late start of green credit business in China, there is little research on it.Based on the above background, this paper introduces the equatorial principle into the environmental risk of green credit, and analyzes the current situation and problems from the aspects of green credit risk, environmental law risk, green credit reputation risk and green credit operation risk.It is very important for commercial banks to carry out green credit environmental risk management under the equatorial principle.This paper uses the method of literature research and case analysis to study the selected topics.First of all, the paper defines and reviews the related concepts of Equator principle, Green Credit and Green Credit Environmental risk, which provides the support for the following articles, and introduces the Equator principle to explain the Green Credit Environmental risk.Then, after knowing the case company XX Commercial Bank on the spot and obtaining the case information, this paper analyzes the current situation and finds out the problems from the aspects of green credit risk, environmental law risk, green credit reputation risk and green credit operation risk.And put forward the corresponding risk control countermeasures: the credit link: the introduction of equatorial principles of project financing,And carry on the risk prevention in each green credit link to control the environmental law risk: establish and perfect the green credit policy and environmental laws and regulations,From the relevant legal and policy level to control the environmental legal risk and reputation risk: the XX Bank's own development goals and social responsibility are unified.To effectively guard against the risk of green credit reputation, we should improve the flow of green credit and deal with the risk prevention of green credit operation in every link.Finally, the conclusion is made.This study has certain practical value and decision reference significance for the study of environmental risk of green credit under the equatorial principle.
【学位授予单位】：重庆理工大学
【学位级别】：硕士
【学位授予年份】：2017
【分类号】：F832.4

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