本文選題：風(fēng)險(xiǎn)管理　切入點(diǎn)：赤道原則　出處：《重慶理工大學(xué)》2017年碩士論文

【摘要】：隨著全球環(huán)保產(chǎn)業(yè)的蓬勃發(fā)展,綠色信貸越來(lái)越備受矚目。接受赤道原則,發(fā)展生態(tài)金融,實(shí)現(xiàn)經(jīng)濟(jì)效益與社會(huì)生態(tài)效益雙豐收,在國(guó)際銀行業(yè)已經(jīng)成為一種共識(shí)和趨勢(shì)。綠色信貸的準(zhǔn)則是赤道原則。赤道原則是一套非官方規(guī)定的,由世界主要金融機(jī)構(gòu)根據(jù)國(guó)際金融公司的環(huán)境和社會(huì)政策和指南制定的,旨在用于確定、評(píng)估和管理項(xiàng)目融資過(guò)程中所涉及環(huán)境和社會(huì)風(fēng)險(xiǎn)的一套自愿性原則。隨著生態(tài)文明的推進(jìn)和金融全球化程度的不斷加深,如何防范綠色信貸過(guò)程中的環(huán)保風(fēng)險(xiǎn)已成為亟待解決的問(wèn)題。本文將從赤道原則的視角出發(fā)對(duì)綠色信貸環(huán)保風(fēng)險(xiǎn)的相關(guān)現(xiàn)狀和問(wèn)題進(jìn)行分析并給出對(duì)應(yīng)的對(duì)策。由于赤道原則引入我國(guó)時(shí)間較晚,綠色信貸業(yè)務(wù)起步略遲,因此對(duì)于它的相關(guān)研究較少。基于上述背景,將赤道原則結(jié)合引入綠色信貸環(huán)保風(fēng)險(xiǎn)中,從綠色信貸風(fēng)險(xiǎn)、環(huán)境法律風(fēng)險(xiǎn)、綠色信貸聲譽(yù)風(fēng)險(xiǎn)以及綠色信貸操作風(fēng)險(xiǎn)等方面進(jìn)行現(xiàn)狀和問(wèn)題分析,對(duì)赤道原則下商業(yè)銀行進(jìn)行綠色信貸環(huán)保風(fēng)險(xiǎn)管理有著十分重要的參考意義。本文運(yùn)用文獻(xiàn)研究與案例分析相結(jié)合的方法對(duì)所選課題展開(kāi)研究。首先,對(duì)赤道原則、綠色信貸以及綠色信貸環(huán)保風(fēng)險(xiǎn)進(jìn)行相關(guān)概念界定和文獻(xiàn)綜述,為后文提供支撐,并引入赤道原則對(duì)綠色信貸環(huán)保風(fēng)險(xiǎn)進(jìn)行闡釋。然后,在實(shí)地了解案例公司XX商業(yè)銀行并獲取案例資料后,從綠色信貸風(fēng)險(xiǎn)、環(huán)境法律風(fēng)險(xiǎn)、綠色信貸聲譽(yù)風(fēng)險(xiǎn)以及綠色信貸操作風(fēng)險(xiǎn)等方面剖析了其現(xiàn)狀并找出問(wèn)題,并針對(duì)問(wèn)題提出了相應(yīng)的風(fēng)險(xiǎn)管控對(duì)策:(1)信貸環(huán)節(jié):引入符合赤道原則的項(xiàng)目融資,并在各個(gè)綠色信貸環(huán)節(jié)進(jìn)行風(fēng)險(xiǎn)防范;(2)環(huán)境法律風(fēng)險(xiǎn)管控方面:建立健全綠色信貸政策及環(huán)境法律法規(guī),從相關(guān)法律和政策層面控制好環(huán)境法律風(fēng)險(xiǎn);(3)聲譽(yù)風(fēng)險(xiǎn)方面:將XX銀行自身發(fā)展目標(biāo)和社會(huì)責(zé)任統(tǒng)一起來(lái),對(duì)其實(shí)施綠色信貸聲譽(yù)風(fēng)險(xiǎn)進(jìn)行有效防范;(4)操作風(fēng)險(xiǎn)管控方面:完善綠色信貸流程,并應(yīng)對(duì)好各環(huán)節(jié)綠色信貸操作風(fēng)險(xiǎn)的防范。最后,進(jìn)行了總結(jié)。本研究對(duì)于赤道原則下的綠色信貸環(huán)保風(fēng)險(xiǎn)研究具有一定的實(shí)踐價(jià)值和決策參考意義。
[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.
【學(xué)位授予單位】：重慶理工大學(xué)
【學(xué)位級(jí)別】：碩士
【學(xué)位授予年份】：2017
【分類(lèi)號(hào)】：F832.4

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