试论银行环境审查义务的确立

On the Establishment of Banking Environment Assessment System

银行作为企业生产经营活动的资金提供者,在对贷款进行监管的过程中有条件获悉企业的环境状况,在这种情况下,银行是否能在向企业提供贷款的过程中承担起一定的环境审查义务,以减少甚至杜绝企业污染事故的发生呢?如果这样的环境审查义务可以确立,那么,如何适用这一义务才能既达到避免污染、保护环境的目的,又不至于给银行造成过重的负担呢?对这些问题的思考,即构成了写作本文的动因。

As providers of operation capital to enterprises, banks have access to the environmental situation of the enterprise concerned, should banks then have, when providing loans to enterprises, responsibility to assess the granting of loan with a consideration of environmental impact of the enterprise's operation, and have a role in mitigating or preventing the occurrence of pollution. If this responsibility can be established, then how it can be put into practice and serve the purpose of protecting the environment but without placing too much burden on banks? These are the questions posed by this article.