环境保险是商业银行管理不确定性较高的环境风险的有效手段

环境保险是商业银行转嫁项目融资中不确定性程度较高的环境风险的重要手段,是各国环境立法不断强化商业银行环境责任背景下商业银行环境风险管理的重要内容。同时,环境保险也对商业银行加强环境风险管理发挥着重要的监督和促进作用。我国环境立法的日趋完善对商业银行贷款的环境风险管理提出了更高的要求,特别是在国际项目融资业务方面,面对的环境风险将更为复杂。为了提高国际竞争力,我国商业银行要积极借鉴国际经验,运用环境保险合理转嫁和规避环境风险,提高环境风险管理水平。

Environmental Insurance is an Effective Mean for Lending Bank to Manage Environmental Risk with High Degree of Uncertainty

Environmental insurance is an important means for lending banks to manage the environmental risks that have high degree of uncertainty.At the same time,environmental insurance also play important role in monitoring and facilitating environmental risk management of lending bank.The maturing of China’s environmental law system makes lending bank face the challenge of more complex environmental risk,especially in project finance business.In order to enhance international competitiveness,commercial banks should actively learn from international experience,rational use of environmental insurance to transfer environmental risks.