商业银行环保功能定位与散发策略研究

Function Orientation and Distributing Strategy of Commercial Bank in Environmental Protection

商业银行作为经济金融的核心,其信贷资金流向变化在推动环保经济发展与产业结构调整中起着重要作用。然而当前我国经济处于发展方式转变和结构调整期,配套激励、监管机制缺失导致商业银行环保功能定位模糊问题突出。面对经济发展与资源环境日趋尖锐的矛盾,应以信贷标准控制"非环保"产业发展空间、以信贷政策和资金投向推动环保经济发展为基本路径,实施推动经济发展方式转变和产业结构调整策略、完善环保信贷配套激励政策、实施环保信贷策略、环境风险全过程管理策略、建立信息沟通共享机制及完善监管问责机制等六大策略,为商业银行环保功能散发提供可靠保障,进而推动环保经济较快增长,实现环保经济与商业银行的良性互动发展。

Commercial bank is the core of economy and finance, and the change of credit flow plays an important role in the development of environmentally friendly economy and adjustment of industrial structure. However, at present, China＇ s economy is in the process of transforming the mode of development and adjusting structure, and the lack of incentive and supervision mechanisms makes environmental protection function orientation unclear in commercial bank. In the face of increasingly sharp contradiction between economic development and resources and environment, with controlling the development space of environmentally unfriendly industry with credit standard and promoting the develop- ment of environmentally friendly economy with credit policy and flow as the basic path, we should use the six strategies of promoting the transformation of economic development mode and industrial structural adjustment, improving green credit incentive policy, implementing green credit, managing environmental risk, establishing information communication and sharing mechanism and perfecting supervision accountability mechanism to provide a reliable guarantee for environmental protection function of commercial bank to promote the rapid growth of environmentally friendly economy and achieve the benign interaction between environmentally friendly economy and commercial bank.