就商业银行担负“环保卫士”的社会责任分析

On commercial bank load ＂environmental protection bodyguard＂ no matter what social responsibility

绿色信贷政策并非我国首创。早在上世纪80年代美国即提出了环境保护的金融政策和法案，90年代，联合国环境规划署就发表了银行业的《金融业环境暨可持续发展宣言》，进入21世纪，国际上更是提出“赤道原则”。从根本理念和出发点看，绿色信贷和国际上逐步流行的赤道原则是相通的，都要求商业银行在考虑信贷决策时考虑项目的社会成本和环保要求。实施绿色信贷政策，商业银行是政策执行的主角。商业银行应当认识到贯彻该项政策对自己的生存发展是有益的，进而接受国际赤道原则，承担起环保卫士的社会责任。

Green credit policy our country originates by no means. As early as namely proposed in on century 80＇s US the environmental protection financial policy and the bill, the 90＇s, Environment Program has published the banking industry ＂Financial industry Environment And Sustainable development Manifesto＂, enters for the 21st century,on international is proposes ＂the equator principle＂. Looked from the basic idea and the starting point that, the green credit and on the international popular equator principle are gradually are interlinked, all requests the commercial bank when the consideration credit decision--making considers the project the social cost and the environmental protection request. The implementation green credit policy,the commercial bank is the policy execution lead. The commercial bank must realize to implements this policy to own survival development is beneficial, then accepts the international equator principle, undertakes the environmental protection bodyguard＇s social responsibility.