低碳經(jīng)濟(jì)形勢下銀行綠色信貸的風(fēng)險(xiǎn)和防控

1、WWW.UNBANK.INFO2010 年第 02 期 總第 2 期www.unbank.info 北京銀聯(lián)信信息咨詢中心 北京銀聯(lián)信信息咨詢中心服務(wù)電話:(8610)63458516 2（二）要加強(qiáng)對節(jié)能減排調(diào)控行業(yè)貸款的風(fēng)險(xiǎn)監(jiān)測...................................19（三）建立環(huán)境風(fēng)險(xiǎn)管理體系...................................................

2、....................19（四）綠色信貸實(shí)施人員的儲備和培養(yǎng).......................................................20（五）積極研究開發(fā)綠色信貸產(chǎn)品...............................................................20第三章 第三章 低碳 低碳經(jīng)濟(jì) 經(jīng)濟(jì)形勢下信 下信貸風(fēng)險(xiǎn) 貸風(fēng)險(xiǎn)管理流程 管理流程 .

3、............................................................22一、企業(yè)貸款的綠色信貸管理流程 ...................................................................22（一）貸款營銷..................................................................

4、.............................22（二）貸款洽談...............................................................................................23（三）貸款審查..............................................................................

5、.................23（四）貸款審批...............................................................................................24（五）貸后檢查..........................................................................................

6、.....25二、項(xiàng)目貸款的綠色信貸管理流程 ...................................................................25（一）環(huán)境風(fēng)險(xiǎn)初評.......................................................................................26（二）社會環(huán)境專家評估...................

7、............................................................26（三）貸款審批...............................................................................................27三、 “風(fēng)電綠色信貸項(xiàng)目”管理流程案例解析.................................

8、.....................27（一）項(xiàng)目背景...............................................................................................27（二）項(xiàng)目內(nèi)容......................................................................................

9、.........27（三）項(xiàng)目審批過程.......................................................................................28（四）貸后管理...............................................................................................29第四章 第四章

10、 低碳 低碳經(jīng)濟(jì) 經(jīng)濟(jì)形勢下信 下信貸風(fēng)險(xiǎn) 貸風(fēng)險(xiǎn)管理措施 管理措施 .............................................................30一、低碳經(jīng)濟(jì)下環(huán)境與社會標(biāo)準(zhǔn) .......................................................................30二、低碳經(jīng)濟(jì)下銀行綠色信貸風(fēng)險(xiǎn)管理操作分析 ...........

11、................................31（一）綠色信貸風(fēng)險(xiǎn)管理流程.......................................................................31（二）綠色信貸風(fēng)險(xiǎn)控制與轉(zhuǎn)移建議...........................................................31三、低碳經(jīng)濟(jì)下銀行環(huán)境與社會風(fēng)險(xiǎn)評估 ....

12、...................................................31四、低碳經(jīng)濟(jì)下銀行客戶和項(xiàng)目風(fēng)險(xiǎn)評估 .......................................................32（一）客戶風(fēng)險(xiǎn)....................................................................................

13、...........32（二）項(xiàng)目自身風(fēng)險(xiǎn).......................................................................................33（三）降低風(fēng)險(xiǎn)的方法...................................................................................34第五章 第五章 低碳 低碳

14、經(jīng)濟(jì) 經(jīng)濟(jì)下銀行信 行信貸風(fēng)險(xiǎn) 貸風(fēng)險(xiǎn)防范案例 防范案例 .............................................................37一、花旗銀行的 ESRM 體系 ..............................................................................37二、匯豐銀行的道德銀行觀 ...................

15、............................................................38三、興業(yè)銀行的能效貸款 ...................................................................................39（一）興業(yè)銀行赤道銀行與能效貸款.............................................