基于环境风险的中国商业银行信贷管理研究

发布时间：2018-10-05 15:44

【摘要】：近年来,由二氧化碳排放引起的全球变暖问题、能源短缺和环境问题已经成为世界关注的焦点问题。当前,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,而成本的提高也会制约中国社会经济的进一步发展。此时企业不仅需要面对政府部门的环境立法和执法,也要面对消费者对各种污染品和有害产品的抵制,这些都会影响企业的支付能力和偿债能力,使企业不能按期偿还贷款,被勒令停业整顿、环境污染引起的诉讼和损失赔偿要求、土地或水污染清洁责任等有时会对企业形成致命的影响,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。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和无序发展的局面,降低环境所带来的风险,构建起有效的信贷机制,完善环境风险下我国商业银行的信贷风险管理。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,其次结合我国商业银行环境风险下信贷管理的现状,提出问题并分析原因,最后对国内外环境风险下信贷管理进行了比较,进而对环境风险下我国商业银行信贷管理体系的构建提出一些观点及看法。
[Abstract]:In recent years, global warming caused by carbon dioxide emissions, energy shortage and environmental problems have become the focus of world attention. At present, the rapid process of industrialization and the degradation of environmental quality in China make people constantly improve their understanding of environmental and social costs, and the increase of costs will also restrict the further development of China's social economy. At this time, enterprises not only have to face the environmental legislation and law enforcement of government departments, but also the resistance of consumers to various pollutants and harmful products, which will affect the ability of enterprises to pay and pay down debts, which will make the enterprises unable to repay their loans on time. Being ordered to close down for rectification, lawsuits and claims for damages caused by environmental pollution, and the duty to clean up land or water pollution can sometimes have a fatal impact on the enterprise, which can seriously lead to the bankruptcy of the enterprise. It is a direct threat to the security of credit assets of commercial banks. 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 improve the blind expansion and disorderly development of banking funds by establishing the threshold of environmental access in the field of financial credit. To reduce the risks brought by the environment, to construct an effective credit mechanism, and to perfect the credit risk management of commercial banks in China under the environmental risk. Based on the concept of environmental risk and credit management, this paper first analyzes the environmental risk faced by commercial banks in China, and then, combining with the current situation of credit management under environmental risk of commercial banks in China, puts forward the problems and analyzes the reasons. Finally, the author compares the credit management under environmental risk at home and abroad, and then puts forward some viewpoints and views on the construction of credit management system of commercial banks in China under environmental risk.
【学位授予单位】：内蒙古大学
【学位级别】：硕士
【学位授予年份】：2011
【分类号】：X196;F832.4

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