Environmental Risk Management Of Commercial Banks And Its Path Choice

Chinese current financial mode is credit dominated, industrial structure adjustment rely on financial credit mainly by commercial Banks,the credit of commercial Banks have great influence on financial institutions capital allocation guidance, it makes the environment risk management standards, affect lenders to accept its environment risk management standards, make capital flow to the environmental-friendly projects or enterprises, commercial banks can plays an important role to the adjustment of industrial structure,regards sustainable development theory as the guidance. This paper mainly discusses the equator principles based on the development of environmental risk management system, the imperative of environmental risk management of commercial Banks, commercial Banks and to learn from developed countries the advanced experience of environmental risk management, combining with the reality of our country national condition, put forward the promotion our country commercial bank risk legal thinking and countermeasures of environmental risk management, in order to realize the sustainable development of economy in our country.This paper is divided into five main parts:The first part, mainly introduced the emergence and development of the equator principles, and on the basis of the derived environmental risk management system, to discuss social and environmental responsibility and the necessity of environmental risk management in commercial banks. But at the same time environmental risk management system should not be too harsh, commercial bank as the enterprise have right to pursue maximum profit, the environmental risk management system should not only the responsibility of the mandatory administrative management, it should also take he inner motive power of corporate profits into consideration. The environment of commercial Banks risk management should be a two-way combination of intrinsic motivation and extrinsic motivation. mainly discusses the basic concept of environmental risk management, commercial Banks environmental risk as a concept including credit risk, legal risk, reputation risk and so on several kind of concept, and also discusses the connotation of environmental risk management system built the theoretical connotation and theoretical basis.The second part developed countries have a long history and rich experience in environmental risk management of commercial Banks, summarize the experiences of relevant countries, in order to consummate the system of environmental risk management of commercial Banks in our country.The third part, chinese commercial banks should absorb in the advanced experience of developed country in environment risk management, Chinese commercial bank risk management should complete mechanism from the supporting mechanism and information communication mechanism, there are some problems in chinese environment risk management, on the one hand is the inner motive power of commercial Banks is not enough, the other is that lack of effective supporting system.The fourth part, nowadays part of domestic experts and scholars have studied the environmental risk management of commercial Banks, but most of these studies from the perspective of financial management, rarely involve in the legal Angle and supporting system of environmental risk management of commercial Banks. How to use legal means to make the environmental risk management of commercial Banks, is a new research topic our country have to face, this article from the angle of legal regulation and supporting system construction to improve the environment of the commercial bank risk management puts forward the corresponding Suggestions.