【正文】 ...............................................7（一）碳交易市場機(jī)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(jì)信貸業(yè)務(wù)管理實(shí)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(yàn)與啟示 ...........................................................10五、商業(yè)銀行低碳經(jīng)濟(jì)信貸業(yè)務(wù)操作實(shí)踐—— 產(chǎn)品創(chuàng)新 ...............................12（一）積極開展碳排放交易的項(xiàng)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(qiáng)與環(huán)保等部門的溝通與合作 .......................................................13第二章 低碳經(jīng)濟(jì)形勢(shì)下信貸業(yè)務(wù)的障礙和核心戰(zhàn)略 .............................................14一、實(shí)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(jì)下銀行信貸風(fēng)險(xiǎn)總述 ...................................................................17（一）政策性風(fēng)險(xiǎn) ...........................................................................................17（二）盈利性風(fēng)險(xiǎn) ...........................................................................................17（三）項(xiàng)目審批風(fēng)險(xiǎn) .......................................................................................17（四）價(jià)格和匯率風(fēng)險(xiǎn) ...................................................................................17三、低碳經(jīng)濟(jì)下銀行信貸的環(huán)境風(fēng)險(xiǎn)分析 .......................................................17（一）信貸風(fēng)險(xiǎn) ...............................................................................................18（二）法律風(fēng)險(xiǎn) ...............................................................................................18（三）市場風(fēng)險(xiǎn) ...............................................................................................18（四）聲譽(yù)風(fēng)險(xiǎn) ...............................................................................................18四、商業(yè)銀行應(yīng)對(duì)低碳經(jīng)濟(jì)下信貸風(fēng)險(xiǎn)的核心戰(zhàn)略 .......................................19（一）要切實(shí)抓好宏觀調(diào)控政策的貫徹落實(shí) ...............................................192 / 50（二）要加強(qiáng)對(duì)節(jié)能減排調(diào)控行業(yè)貸款的風(fēng)險(xiǎn)監(jiān)測(cè) ...................................19（三）建立環(huán)境風(fēng)險(xiǎn)管理體系 .......................................................................19（四）綠色信貸實(shí)施人員的儲(chǔ)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(jì)形勢(shì)下信貸風(fēng)險(xiǎn)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(xiàng)目貸款的綠色信貸管理流程 ...................................................................25（一）環(huán)境風(fēng)險(xiǎn)初評(píng) .......................................................................................26（二）社會(huì)環(huán)境專家評(píng)估 ...............................................................................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 ......................................................27（一）項(xiàng)目背景 ...............................................................................................27（二）項(xiàng)目內(nèi)容 ...............................................................................................27（三）項(xiàng)目審批過程 .......................................................................................28（四）貸后管理 ...............................................................................................29第四章 低碳經(jīng)濟(jì)形勢(shì)下信貸風(fēng)險(xiǎn)管理措施 .............................................................30一、低碳經(jīng)濟(jì)下環(huán)境與社會(huì)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 ...........................................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(huì)風(fēng)險(xiǎn)評(píng)估 .......................................................31四、低碳經(jīng)濟(jì)下銀行客戶和項(xiàng)目風(fēng)險(xiǎn)評(píng)估 .......................................................32（一）客戶風(fēng)險(xiǎn) ...............................................................................................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 低碳經(jīng)濟(jì)下銀行信貸風(fēng)險(xiǎn)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 ...............................................................................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 ...........................................................393 / 50（二）興業(yè)銀行開展低碳金融的案例分析 ...................................................41四、浦發(fā)銀行開展低碳金融的案例分析 ...........................................................43（一）浦發(fā)銀行的綠色信貸政策調(diào)整 ......