Environment Risk Management Research Of Commercial Bank In China

With the growing development of the economy and human society, theenvironmental problems are becoming a big issue all over the world，developingenvironmental economy has gradually become the international mainstream values.Environmental protection and economic sustainable development needthe financialsupport, in the financial factors, the commercial bank occupies an important position.Its role in the environmental protection is becoming more and more attention of all thepeople of the society and the Banks themselves. Banks need constantly pay attention tothe payment ability and debt paying ability of the enterprise and the project.Because ifthe enterprise in the management of environmental pollution behavior in violation ofthe state and local government regulations on environmental protection, the enterpriseswill be closed or The parties concerned will lawsuit against companies or losscompensation claims. Once the enterprise or project brought irreversible damage to theenvironment pollution, the punishment to this enterprises is fatal, or even a directthreat to the survival of enterprises. If the enterprises cannot repay the loan asstipulated in the contract then will make the loans of commercial banks become baddebts, and bring direct economic losses to the banks, so in this background, thecommercial banks in our country must consider environmental factors in credit processso that to the sustainable development of itself, according to Assume their socialresponsibility in terms of the environment. On the basis of draw lessons from foreignadvanced management experience built up in accordance with its own developmentmechanism of credit. Constantly improve the environmental risk management ofcommercial Banks in our country.In the first of this thesis，through the introduction of the concept of environmentalrisk of commercial bank and manifestation, this thesis points out the necessity ofenvironmental risk management of commercial Banks in our country. Secondly, thisthesis through build the evaluation index system of environmental risk management tototal assets scale of Chinese listed Banks abundant comprehensive ranking.And in the aspect of environmental risk management performance good bank for case analysisThirdly, select representative overseas bank do case analysis and summarizes theenlightenment of Environmental risk management of the commercial bank indeveloped countries. This thesis also analyzes the problems in the process ofdeveloping Environmental risk management of the banks in China deeply, such aspassive implementation of environmental risk management,Commercial Banksinternal lack of full-time management department Insufficient financial internalinteractive development environment excessive reliance on the information providedby the department of the environment and analyses the reasons of the problems. Finally,this thesis brought forward the corresponding countermeasure and suggestion forconstructing the construction of Environmental risk management of the commercialbank in China.