绿色信贷制度创新研究——以推动企业生态创新为视角

绿色信贷是绿色金融的重要组成部分,是银行业金融机构履行环境责任的重要途径,然而现行制度在信贷风险分担、长效推动、环境绩效的监督测算等方面都还存在不足。本文在解析绿色信贷和生态创新一致性目标的基础上,以推动企业生态创新的全新视角,构建面向企业生态创新的绿色信贷信用担保授信机制和环境效益监测机制,并针对性地提出不同环境收益下绿色信贷的差异性浮动合同利率管理模式和第三方担保机构的多元业务管理模式,为绿色信贷的制度创新提供建议参考。面向企业生态创新的绿色信贷制度,可在激励企业加大生态创新、提升竞争力的同时,降低绿色信贷的信贷违约风险和环境社会风险,有助于绿色信贷的可持续发展。

Institutional Innovation of Green Credit--From the Perspective of Promoting Firms’Eco-Innovation

Green credit is an important part of green finance and an important way for banking financial institutions to fulfill the environmental responsibilities.However,the current system is still insufficient in credit risk sharing,long-term promotion,environmental performance monitoring and so on.Hence,it is necessary to further improve the green credit system.On the basis of analyzing the consistent goal of green credit and ecological innovation,in order to promote the enterprise ecological innovation,this paper constructs the green credit guarantee credit mechanism and the environmental benefit monitoring mechanism for the enterprise ecological innovation.The paper also puts forward the different management mode of green credit under different environment income and the multi-business management mode of third party guarantee organization.The green credit system for enterprise ecological innovation can encourage enterprises to increase ecological innovation and enhance competitiveness.Meanwhile,it can reduce the credit default risk and environmental and social risk of green credit,and contribute to the sustainable development of green credit.