基于赤道原则的兴业银行绿色信贷的风险管理研究

Research on Risk Management of Industrial Bank’s Green Credit Based on the Equator Principles

随着绿色环保产业在全球各国政府的政策支持下不断蓬勃发展,绿色金融引起了越来越多人的关注。而绿色信贷作为绿色金融资产的重要支柱,在采用赤道原则的前提下,实现经济与生态效益上的双提高也成为国际金融业的共识与趋势。本文着重对福建龙净环保绿色信贷案例进行分析,以如何降低银行绿色信贷风险为重点,以寻求更优的绿色信贷风险管理手段,通过研究不仅有利于兴业银行更好地完善绿色信贷风险管理制度全流程,也帮助兴业银行提升绿色信贷的风险管理水平,为我国银行业的绿色信贷风险管理的发展提供借鉴,更好地促进我国现代绿色信贷风险管理体系的建设发展。

Green finance has attracted more and more attention as the green industry continues to flourish with the policy support of governments around the world. Green credit, as an important pillar of green financial assets, has become a consensus and trend in the international financial industry to achieve both economic and ecological benefits under the premise of adopting the Equator Principles. This text focuses on the analysis of the green credit case of Fujian Longjing Environmental Protection, with an emphasis on how to reduce the risk of green credit for banks. It seeks to find better green credit risk management methods. Through research, it is not only beneficial for Industrial Bank to better improve the entire process of green credit risk management system, but also helps Industrial Bank enhance the level of risk management in green credit. It provides a reference for the development of green credit risk management in China’s banking industry, and better promotes the construction and development of China’s modern green credit risk management system.