环境绩效视角下重污染企业信贷融资困境及解决措施

Credit Financing Difficulties and Solutions for Heavily Polluting Enterprises from Perspective of Environmental Performance

为提升重污染企业信贷融资能力,以环境绩效为指标,从政府、银行、企业三个方面入手,对重污染企业信贷融资困境进行了分析。由于绿色信贷政策实施时间较短,加之政府监管不到位、银行审核不规范、企业转型不主动,环境绩效对重污染企业的信贷融资约束受限,难以保障生态环保战略的落实。基于此,提出以下解决措施:政府加大监管力度,实现资金优化配置;银行完善信贷评估,降低信贷融资风险;企业重视生态环保,加快绿色转型发展。

In order to enhance the credit financing ability of heavily polluting enterprises,this article takes environmental performance as an indicator and analyzes the credit financing difficulties of heavily polluting enterprises from three aspects:government,banks,and enterprises.Due to the short implementation time of green credit policies,coupled with inadequate government supervision,non-standard bank audits,and lack of proactive enterprise transformation,environmental performance has limited credit financing constraints for heavily polluting enterprises,making it difficult to ensure the implementation of ecological and environmental protection strategies.Based on this,the following solutions are proposed:the government increases regulatory efforts to achieve optimal allocation of funds;Banks improve credit evaluation to reduce credit financing risks;Enterprises attach great importance to ecological and environmental protection,and accelerate green transformation and development.