摘要
商业银行环境风险管理的基本动因在于:企业恶劣的环境行为导致的信贷风险和银行间激烈的竞争。外部动因在于:政府对环境法律与法规的不断强化;公众对绿色产品的需求;非政府组织对环保的关注和来自国际规则的压力。根据商业银行对这些动因的不同反应情况,环境风险管理可分为:抵御阶段;预防阶段;参与阶段和可持续发展阶段。各个发展阶段在不同的作用条件下会导致不同的演进路径。
The inner motivations of commercial bank＇s Environment Risk Management （ERM） are： credit risk from the corporations of bad environment behavior and drastic competition. Exterior motivations lie in continuously strengthening laws and rules from the government and increasing attention from public and NGOS and the pressure from international rules. Basing on the different reaction at these motivations, commercial bank＇s ERM can be divided into four stages： defensive banking, preventive banking, offensive banking and sustainable banking. Under different conditions, these stages have different evolving paths.
出处
《金融理论与实践》
北大核心
2008年第5期34-37,共4页
Financial Theory and Practice
基金
南京大学课题<国有商业银行的环境责任及政策对企业环境表现的影响(2006CW04)>阶段性成果
关键词
商业银行
环境风险管理
企业污染行为
环境保护
Commercial Banks
Environment Risk Management
Pollution Action
Environment Prntection
