本文選題：風(fēng)險管理　切入點：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,綠色信貸越來越備受矚目。接受赤道原則,發(fā)展生態(tài)金融,實現(xiàn)經(jīng)濟效益與社會生態(tài)效益雙豐收,在國際銀行業(yè)已經(jīng)成為一種共識和趨勢。綠色信貸的準則是赤道原則。赤道原則是一套非官方規(guī)定的,由世界主要金融機構(gòu)根據(jù)國際金融公司的環(huán)境和社會政策和指南制定的,旨在用于確定、評估和管理項目融資過程中所涉及環(huán)境和社會風(fēng)險的一套自愿性原則。隨著生態(tài)文明的推進和金融全球化程度的不斷加深,如何防范綠色信貸過程中的環(huán)保風(fēng)險已成為亟待解決的問題。本文將從赤道原則的視角出發(fā)對綠色信貸環(huán)保風(fēng)險的相關(guān)現(xiàn)狀和問題進行分析并給出對應(yīng)的對策。由于赤道原則引入我國時間較晚,綠色信貸業(yè)務(wù)起步略遲,因此對于它的相關(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)險中,從綠色信貸風(fēng)險、環(huán)境法律風(fēng)險、綠色信貸聲譽風(fēng)險以及綠色信貸操作風(fēng)險等方面進行現(xiàn)狀和問題分析,對赤道原則下商業(yè)銀行進行綠色信貸環(huán)保風(fēng)險管理有著十分重要的參考意義。本文運用文獻研究與案例分析相結(jié)合的方法對所選課題展開研究。首先,對赤道原則、綠色信貸以及綠色信貸環(huán)保風(fēng)險進行相關(guān)概念界定和文獻綜述,為后文提供支撐,并引入赤道原則對綠色信貸環(huán)保風(fēng)險進行闡釋。然后,在實地了解案例公司XX商業(yè)銀行并獲取案例資料后,從綠色信貸風(fēng)險、環(huán)境法律風(fēng)險、綠色信貸聲譽風(fēng)險以及綠色信貸操作風(fēng)險等方面剖析了其現(xiàn)狀并找出問題,并針對問題提出了相應(yīng)的風(fēng)險管控對策:(1)信貸環(huán)節(jié):引入符合赤道原則的項目融資,并在各個綠色信貸環(huán)節(jié)進行風(fēng)險防范;(2)環(huán)境法律風(fēng)險管控方面: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;(3)聲譽風(fēng)險方面:將XX銀行自身發(fā)展目標和社會責(zé)任統(tǒng)一起來,對其實施綠色信貸聲譽風(fēng)險進行有效防范;(4)操作風(fēng)險管控方面:完善綠色信貸流程,并應(yīng)對好各環(huán)節(jié)綠色信貸操作風(fēng)險的防范。最后,進行了總結(jié)。本研究對于赤道原則下的綠色信貸環(huán)保風(fēng)險研究具有一定的實踐價值和決策參考意義。
[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)位級別】：碩士
【學(xué)位授予年份】：2017
【分類號】：F832.4

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