Based On Environmental Risk Management Of Commercial Credit

In recent years, carbon dioxide emissions caused by the global warming, energy shortages and environmental problems have become the focus of world attention. At present, China's rapid industrialization and environmental quality degradation makes it continue to improve the understanding of environmental and social costs, which will increase the cost of restricting the further development of Chinese social economy.At this point the face of government departments, enterprises need not only the environmental legislation and enforcement, but also the face of consumer products, various forms of pollution and harmful chemicals resistance, which will affect the company's ability to pay and solvency, so that enterprises cannot repay loans, was ordered to suspend business for rectification, environmental pollution caused by litigation and claim for damages, liability and other land or water pollution clean and sometimes the impact would be a deadly business, serious business failure will lead to a direct threat to the safety of commercial bank credit assets. Therefore, n this context, China's commercial banks should control high energy consumption and high pollution industry, sources of funding, through the establishment of the environment in the areas of financial and credit access threshold, thus improving the use of banking funds the development of blind expansion and disorderly situation to construct an effective credit mechanism, Improve the environmental risks of commercial banks in China under the credit risk management.From the environmental risk and credit management concept, the first commercial banks in China are facing environmental risk analysis, followed by the combination of environmental risks of commercial banks under the status of credit management, ask questions and analyze the reasons, the last under the environmental risks at home and abroad Credit management were compared, and then under the environment of commercial bank credit risk management system in some views and opinions.