商业银行环境责任的双重属性及制度构建

The Dual Attributes of the Environmental Responsibility of Commercial Banks and the System Construction

当前,在我国推行绿色金融发展战略的背景下,商业银行通过金融手段促进经济、环境可持续发展的作用日益显现。我国理论与实务界关于商业银行环境责任的属性及其应否承担环境责任存在争议。本文认为,商业银行环境责任具有直接性和间接性、积极责任和消极责任等双重属性。积极责任即为商业银行的绿色信贷义务;消极责任又包括行政违法责任与民事侵权责任。我国应以体系化的视野,采用促进型立法模式统合现行相关立法,明确规定商业银行的环境法律义务和环境法律责任。

Presently,under the background of China's implementation of green finance development strategy,the role of commercial banks in promoting sustainable development of the economy and the environment through financial means is increasingly apparent.There is a controversy between the theoretical and practical circles in China regarding the attributes of environmental liability of commercial banks and whether they should bear environmental liability.This paper argues that the environmental responsibility of commercial banks has dual attributes such as direct and indirect,positive and negative responsibility.The positive liability is the green credit obligation of commercial banks;the negative liability includes administrative violation liability and civil tort liability.China should adopt a systemic vision and adopt a promotional legislative model to unify the existing relevant legislation and clearly stipulate the environmental legal obligations and environmental legal responsibilities of commercial banks.