| 中国银行信贷项目环境风险评估模型的构建和应用 |
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| 引用本文： | 符淼,谭小波. 中国银行信贷项目环境风险评估模型的构建和应用[J]. 广东金融学院学报, 2011, 26(4) |
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| 作者姓名： | 符淼 谭小波 |
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| 作者单位： | 广东外语外贸大学 国际经贸学院,广东广州,510521 |
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| 基金项目： | 广东省教育厅高校优秀青年创新人才培育项目(粤财教[2008]342号) |
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| 摘 要： | 拥有自己的环境风险评估模型是银行进行独立环境决策和进一步降低环境风险的基础,也是强化信贷手段在预防和控制环境污染两方面作用的需要。参照银行绿色信贷的赤道原则构建信贷项目的环境风险评估指标体系,并通过问卷调查和层次分析法确定四大国有银行、中型银行、小型银行和外资银行共四类商业银行的指标权重,建立起符合他们各自风险偏好的环境风险评估模型,再以实例分析来说明模型的具体应用过程,结果发现,非外资银行偏重包含政策因素的社会环境指标,在自然环境因素中偏重污染物排放指标;外资银行则具有较平均的权重,且重视生态、社区和工作环境等指标。
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| 关 键 词： | 环境风险评估 绿色信贷 指标体系 层次分析法 |
The Construction and Application of the Assessment Model of Environmental Risks in Project Financing for Banks in China |
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| Fu Miao,Tan Xiaobo. The Construction and Application of the Assessment Model of Environmental Risks in Project Financing for Banks in China[J]. Journal of Guangdong University of Finance, 2011, 26(4) |
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| Authors: | Fu Miao Tan Xiaobo |
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| Affiliation: | Fu Miao and Tan Xiaobo(School of International Trade & Economics and Research Center for International Trade & Economics,Guangdong University of Foreign Studies,Guangzhou 510006,China) |
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| Abstract: | Possessing an environmental risk assessment model provides the feasibility of independent environmental decision and possibility to further reduce the environmental risks for banks.It also strengthens the effects of green loans in protection and controls against environmental pollution.Based on the Equator Principles of green loans,this paper built up the environmental risk evaluation index system for project financing in China,and acquired the index weights for different types of commercial banks,such as t... |
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| Keywords: | environmental risk assessment green loans index system Analytic Hierarchy Process |
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