我国商业银行绿色信贷建设的思考与政策建议

Thoughts and Suggestions on Green Credit in Chinese Commercial Banks

与西方银行相比,我国商业银行在开展绿色信贷过程中,既面临有利机遇,也需要应对更多挑战。目前,我国商业银行绿色信贷建设虽已渐成体系,但在政策、产品、风险管理前瞻性以及评估专业性等方面仍存在不足。未来,我国商业银行应充分依托国内监管要求和借鉴国外最佳实践,从完善政策体系、加强环保风险调查评估、做好贷后监测检查、创新信贷产品、发展绿色金融业务等方面着手,全面、深入推进绿色信贷建设。

Compared with western banks, Chinese commercial banks are faced with both opportunities and challenges in the process of developing green credit. Although now green credit in Chinese commercial banks is forming a system gradually, there are still some limitations in policies, products, prospective risk management and professional evaluation. In the future, Chinese commercial banks should rely on the domestic environmental supervision and learn from the best practice of foreign banks. By adjusting loan structure, improving policy, strengthening investigation and evaluation of environmental risk, enforcing loan monitoring and inspection, innovating credit products and developing green financial services, Chinese Commercial Banks can promote green credit comprehensively and thoroughly.