商业银行开通“绿色信贷”的风险控制设计

社会责任定期报告机制的启动,孕育着商业银行绿色授信业务的提速,继而＂绿色信贷＂风险控制显得越来越紧迫。本文从商业银行履行社会责任现实背景入手,揭示＂绿色信贷＂风险产生原因,重点探究投资收益率和企业信用状况共同决定的信贷风险度的测算方法,进而设计出＂绿色信贷＂风险控制的路径选择,从而在内部控制和外部监管的基础上,既保证＂绿色信贷＂通道的畅通性、绿色性,又要兼顾＂绿色信贷＂通道的安全性、收益性。

A Routing Design of "Green Credit" Risk Control

The start of regular reporting mechanism of social responsibility,and the acceleration of the commercial bank＇s green credit business,make the risk control of ＂green credit＂ increasingly urgent.This article starts with the social responsibility of the commercial banks,then reveals the causes of the ＂green credit＂ risk and explores credit risk measurement determined by the rate of ROI and credit status,last designs a ＂green credit＂ risk-controlled routing,which offers both internal controls and external supervision,ensuring the ＂green credit＂ channel smooth as well as secure.