节能减排政策相关要求在商业银行信贷管控中的应用

节能减排政策要求日趋严历,对银行信贷资产结构和风险管控产生深远影响。本文系统论述和梳理了国家环保政策中与企业项目建设、竣工和生产经营各个阶段紧密相关的各项政策要求和流程,进一步明确商业银行信贷审批及风险控制中需参照的政策要求,信息途径,并就管控手段和各环节需关注的风险点提出管理建议。

The Policy of Energy Conservation and Emission Reduction Applied to the Credit Management of Commercial Banks

Energy conservation and emission reduction policy has become more severe than ever,which imposed significant impact on a bank's credit assets structure and risk management.This paper elaborates systematically on how the national environmental protection policy regulates an enterprise's project construction,completion and production in due courses;clarifies the regulations as of the credit approval of a commercial bank and risk management;puts forward suggestions on the control measures and the points of ris...