金融公司社会责任视角下的绿色信贷制度研究
发布时间：2018-09-02 05:49
【摘要】：自1973年我国召开第一次环境保护会议以来,环境问题越来越成为社会关注的焦点问题之一,以致制约着经济的发展和社会的进步。随着企业社会责任运动的高涨,以“绿色金融”为核心的金融业成为保护环境的新生力量,绿色信贷也应运而生。2007年原国家环保总局和中国银监会、中国人民银行联合发布的《关于落实环保政策法规防范信贷风险的意见》标志着一套适合我国国情的鼓励型绿色信贷制度的建立。绿色信贷制度对解决环境问题和防范信贷风险有很大的促进作用,对维护环境、经济、社会可持续发展起到积极意义。 我国绿色信贷制度经过了四个阶段的发展,由过去的监管型的绿色信贷转变为现在的鼓励型的绿色信贷。国际上,在国际金融公司基于社会责任的倡议下,赤道原则成为国际项目融资环境与社会风险管理的工具和行业基准。兴业银行作为我国第一个加入赤道原则的银行,在环境和社会风险管理中具有丰富的实践经验。当前,我国绿色信贷由于受政府部门GDP的压力和银行社会责任意识低的影响,其在实践中存在一些突出的问题,如配套政策及法规缺位、环境信息披露与共享制度不完整、缺少推进绿色信贷的激励机制和绿色信贷行业标准指南缺乏完备性等问题。为此,应通过绿色信贷政策法律化来强化我国绿色信贷法律体系；根据赤道原则确立环境风险评级标准,并结合我国实际情况制订绿色信贷产业指导目录,再根据产业指导目录制定绿色信贷业务指南；通过环境信息资源的建设与更新,建立网络信息交换系统和部门问联席会议制度来完善我国绿色信贷的信息披露和共享机制；通过政府直接补贴、贷款补贴等方式完善我国信贷激励体系。这样使得我国绿色信贷制度的整体功能得以充分发挥,引导资金和贷款流入改善环境污染,从而真正的实现资金的“绿色配置”。
[Abstract]:Since the first environmental protection conference was held in China in 1973, environmental issues have become one of the focus issues of social concern, which has restricted the development of economy and social progress. With the upsurge of the corporate social responsibility movement, the financial industry with "green finance" as its core has become a new force to protect the environment, and green credit has also emerged. In 2007, the former State Administration of Environmental Protection and the China Banking Regulatory Commission, The opinions on implementing environmental protection policies and regulations to prevent credit risk issued jointly by the people's Bank of China symbolize the establishment of an encouraging green credit system suitable for China's national conditions. Green credit system plays a great role in solving environmental problems and preventing credit risks, and plays a positive role in maintaining the environment, economy and social sustainable development. China's green credit system has gone through four stages of development, from the past regulatory green credit to the current encouraging green credit. Internationally, at the initiative of IFC based on social responsibility, the Equator principle has become a tool and industry benchmark for international project financing environment and social risk management. As the first bank in China to join the equatorial principle, SocGen has rich practical experience in environmental and social risk management. At present, due to the pressure of GDP from government departments and the low awareness of social responsibility of banks, there are some outstanding problems in the practice of green credit in China, such as the absence of supporting policies and regulations, the incomplete system of environmental information disclosure and sharing. Lack of incentive mechanism to promote green credit and lack of completeness of green credit industry standards. Therefore, we should strengthen the legal system of green credit in our country through the legalization of green credit policy, establish the standard of environmental risk rating according to the equatorial principle, and make the guide catalogue of green credit industry according to the actual situation of our country. Then according to the industry guidance catalogue, the green credit business guide is established; through the construction and update of environmental information resources, the network information exchange system and the system of joint meeting of departments are established to perfect the information disclosure and sharing mechanism of green credit in China. Through the government direct subsidy, loan subsidy and so on way consummates our country credit incentive system. In this way, the whole function of the green credit system of our country can be brought into full play, and the inflow of funds and loans can be guided to improve the environmental pollution, so as to realize the "green allocation" of funds.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2011
【分类号】：D922.6;D922.28;F832.4
本文编号：2218449
[Abstract]:Since the first environmental protection conference was held in China in 1973, environmental issues have become one of the focus issues of social concern, which has restricted the development of economy and social progress. With the upsurge of the corporate social responsibility movement, the financial industry with "green finance" as its core has become a new force to protect the environment, and green credit has also emerged. In 2007, the former State Administration of Environmental Protection and the China Banking Regulatory Commission, The opinions on implementing environmental protection policies and regulations to prevent credit risk issued jointly by the people's Bank of China symbolize the establishment of an encouraging green credit system suitable for China's national conditions. Green credit system plays a great role in solving environmental problems and preventing credit risks, and plays a positive role in maintaining the environment, economy and social sustainable development. China's green credit system has gone through four stages of development, from the past regulatory green credit to the current encouraging green credit. Internationally, at the initiative of IFC based on social responsibility, the Equator principle has become a tool and industry benchmark for international project financing environment and social risk management. As the first bank in China to join the equatorial principle, SocGen has rich practical experience in environmental and social risk management. At present, due to the pressure of GDP from government departments and the low awareness of social responsibility of banks, there are some outstanding problems in the practice of green credit in China, such as the absence of supporting policies and regulations, the incomplete system of environmental information disclosure and sharing. Lack of incentive mechanism to promote green credit and lack of completeness of green credit industry standards. Therefore, we should strengthen the legal system of green credit in our country through the legalization of green credit policy, establish the standard of environmental risk rating according to the equatorial principle, and make the guide catalogue of green credit industry according to the actual situation of our country. Then according to the industry guidance catalogue, the green credit business guide is established; through the construction and update of environmental information resources, the network information exchange system and the system of joint meeting of departments are established to perfect the information disclosure and sharing mechanism of green credit in China. Through the government direct subsidy, loan subsidy and so on way consummates our country credit incentive system. In this way, the whole function of the green credit system of our country can be brought into full play, and the inflow of funds and loans can be guided to improve the environmental pollution, so as to realize the "green allocation" of funds.
【学位授予单位】：湖南大学
【学位级别】：硕士
【学位授予年份】：2011
【分类号】：D922.6;D922.28;F832.4
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