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。
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 the four big state-owned banks,medium size banks,small size banks and foreign banks,with the methods of questionnaire and Analytic Hierarchy Process,hereby constructing the their specific environmental risk assessment models according to their risk preferences.An example was given to illustrate the detailed procedure of the application of the model.By comparing the weights of different types of banks,we found that non-foreign banks highlighted the social environmental indices including the policy factors,and stressed the pollution emission indices among the natural environmental indices.In contrast,foreign banks had more even distribution weights and emphasized the ecological,communal and working environmental factors.
出处
《广东金融学院学报》
CSSCI
北大核心
2011年第4期15-24,共10页
Journal of Guangdong University of Finance
基金
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)
关键词
环境风险评估
绿色信贷
指标体系
层次分析法
environmental risk assessment
green loans
index system
Analytic Hierarchy Process
