绿色信贷发展的法律机制研究

Research on the Legal Mechanism of Green Credit Development

从绿色信贷发展对法律机制需求来看,绿色信贷需要纳入法律治理范畴,商业银行在贯彻绿色发展理念时需要法律规范,同时作为企业履行社会责任方式之一的绿色信贷也需要法律明确。然而,当前我国绿色信贷发展法律机制供给存在不足,主要表现在:绿色信贷信息共享机制不畅,绿色信贷促进与激励机制欠缺以及绿色信贷风险防范机制欠缺。借鉴国外绿色信贷法律机制建设的有益经验,结合我国绿色信贷的发展状况,应从宏观和微观两个层面构建和完善我国绿色信贷发展的法律机制。在宏观层面,要坚持可持续发展和风险防范的法律原则,并选择软法与硬法相结合的立法模式;在微观层面,要完善绿色信贷信息共享、激励及监管等法律机制。

From the perspective of the demand for legal mechanisms in the development of green credit,green credit needs to be included in the scope of legal governance;Commercial banks need legal norms to implement the concept of green development;As one of the ways for enterprises to fulfill their social responsibility,green credit needs to be clearly defined by law.However,there is currently insufficient supply of legal mechanisms for the development of green credit in China,mainly manifested as:the information sharing mechanism of green credit is not smooth;Lack of green credit promotion and incentive mechanisms;The risk prevention mechanism for green credit is lacking.Drawing on the beneficial experience of foreign green credit legal mechanism construction and combining with the development status of green credit in China,we should construct and improve the legal mechanism for the development of green credit in China from both macro and micro levels.At the macro level,we must adhere to the legal principles of sustainable development and risk prevention,and choose a legislative model that combines soft law and hard law.At the micro level,it is necessary to improve legal mechanisms such as green credit information sharing,incentives,and supervision.