【正文】 2022 年第 02 期 總第 2 期1 / 50正文目錄第一章 未來商業(yè)銀行信貸受低碳經(jīng)濟影響深遠 .......................................................5一、低碳經(jīng)濟已經(jīng)成為未來經(jīng)濟發(fā)展標準 .........................................................5（一）碳減排目標納入“ 十二五 ”規(guī)劃 ..............................................................5（二）我國發(fā)展低碳經(jīng)濟的政策實踐 .............................................................5二、我國發(fā)展低碳經(jīng)濟的基礎(chǔ) .............................................................................6三、商業(yè)銀行支持低碳經(jīng)濟作用概述 .................................................................7（一）碳交易市場機制的設(shè)立 .........................................................................7（二）商業(yè)銀行的金融支持 .............................................................................7四、商業(yè)銀行低碳經(jīng)濟信貸業(yè)務(wù)管理實踐—— 赤道原則 .................................8（一）赤道原則簡述 .........................................................................................8（二）赤道原則產(chǎn)生背景 .................................................................................9（三）赤道原則主要內(nèi)容 .................................................................................9（四）赤道原則的意義 ...................................................................................10（五）國內(nèi)外赤道銀行的經(jīng)驗與啟示 ...........................................................10五、商業(yè)銀行低碳經(jīng)濟信貸業(yè)務(wù)操作實踐—— 產(chǎn)品創(chuàng)新 ...............................12（一）積極開展碳排放交易的項目貸款業(yè)務(wù) ...............................................12（二）積極創(chuàng)新節(jié)能減排信貸業(yè)務(wù) ...............................................................12（三）加強與環(huán)保等部門的溝通與合作 .......................................................13第二章 低碳經(jīng)濟形勢下信貸業(yè)務(wù)的障礙和核心戰(zhàn)略 .............................................14一、實施面臨的主要障礙 ...................................................................................14（一）客觀存在的不利因素 ...........................................................................14（二）主觀存在的不利因素 ...........................................................................15二、低碳經(jīng)濟下銀行信貸風(fēng)險總述 ...................................................................17（一）政策性風(fēng)險 ...........................................................................................17（二）盈利性風(fēng)險 ...........................................................................................17（三）項目審批風(fēng)險 .......................................................................................17（四）價格和匯率風(fēng)險 ...................................................................................17三、低碳經(jīng)濟下銀行信貸的環(huán)境風(fēng)險分析 .......................................................17（一）信貸風(fēng)險 ...............................................................................................18（二）法律風(fēng)險 ...............................................................................................18（三）市場風(fēng)險 ...............................................................................................18（四）聲譽風(fēng)險 ...............................................................................................18四、商業(yè)銀行應(yīng)對低碳經(jīng)濟下信貸風(fēng)險的核心戰(zhàn)略 .......................................19（一）要切實抓好宏觀調(diào)控政策的貫徹落實 ...............................................192 / 50（二）要加強對節(jié)能減排調(diào)控行業(yè)貸款的風(fēng)險監(jiān)測 ...................................19（三）建立環(huán)境風(fēng)險管理體系 .......................................................................19（四）綠色信貸實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 低碳經(jīng)濟形勢下信貸風(fēng)險管理流程 .............................................................22一、企業(yè)貸款的綠色信貸管理流程 ...................................................................22（一）貸款營銷 ...............................................................................................22（二）貸款洽談 ...............................................................................................23（三）貸款審查 ...............................................................................................23（四）貸款審批 ...............................................................................................24（五）貸后檢查 ...............................................................................................25二、項目貸款的綠色信貸管理流程 ...................................................................25（一）環(huán)境風(fēng)險初評 .......................................................................................26（二）社會環(huán)境專家評估 ...............................................................................26（三）貸款審批 ...............................................................................................27三、 “風(fēng)電綠色信貸項目”管理流程案例解析 ......................................................27（一）項目背景 ...............................................................................................27（二）項目內(nèi)容 ...............................................................................................27（三）項目審批過程 .......................................................................................28（四）貸后管理 ...............................................................................................29第四章 低碳經(jīng)濟形勢下信貸風(fēng)險管理措施 .............................................................30一、低碳經(jīng)濟下環(huán)境與社會標準 .......................................................................30二、低碳經(jīng)濟下銀行綠色信貸風(fēng)險管理操作分析 ...........................................31（一）綠色信貸風(fēng)險管理流程 .......................................................................31（二）綠色信貸風(fēng)險控制與轉(zhuǎn)移建議 ...........................................................31三、低碳經(jīng)濟下銀行環(huán)境與社會風(fēng)險評估 .......................................................31四、低碳經(jīng)濟下銀行客戶和項目風(fēng)險評估 .......................................................32（一）客戶風(fēng)險 ...............................................................................................32（二）項目自身風(fēng)險 .......................................................................................33（三）降低風(fēng)險的方法 ...................................................................................34第五章 低碳經(jīng)濟下銀行信貸風(fēng)險防范案例 .............................................................37一、花旗銀行的 ESRM 體系 ..........................................................