关于日本银行界在融资过程中环境风险控制的研究

随着我国经济的飞速发展,环境污染程度日趋严重,一些新的投资项目面临着愈来愈高的环境保护要求,目前这些项目的建设资金主要来自于银行的贷款,这就要求银行的信贷决策必须更多地考虑环境风险的因素。但是,我国金融界普遍还未将环境风险评估机制引入项目审查体系,而与我国比邻的日本银行界,关于环境风险的控制水平已走在了世界的前列。本文从理论、实践两个层面对日本银行界的环境风险控制进行了研究,研究结果对我国银行界有非常重大的参考价值。

A Study on the Environmental Risk Management in Japanese Bank's Lending Decisions

With rapid development of Chinese economy,environment pollution becomes a more and more serious problem that China has to face. More strict environment protection regulation is introduced in considering an investment project. As many new investment projects are mainly funded by banks,the banks need to take environment factor more seriously in lending decisions. Compared to China,Japanese banks have more advanced environment risk management method in lending decisions. This paper studies environment risk management theory and practice in Japanese banks and put forth some advice to Chinese banks.