A Research Of Environmental Responsibility For Banking Industry

Environmental problems are becoming more and more by the people and government’s attention, social from all walks of life even governments are trying to find a solution to the problem. Cause the pollution of the environment is complex, the idea of governance work must be comprehensive, overall, only by government or enterprise that a certain level of social main body is certainly not enough. In order to solve environmental problems, that momentum curb environmental pollution degree increasing, we must rely on the community interaction, analysis of the causes of the overall problem, looking for the source problem, comprehensive management through various means and ways.As financial institutions, commercial banks, on the surface, not associated with the social responsibility of environmental responsibility, but because the operation and the flow of capital will indirectly about the development of an industry, if the banks will be a large amount of money into the high energy consumption, high pollution industry, it will bring further damage. If to analyze the problem from this point of view, it is not difficult to understand the commercial banks as a financial institution that no connection with actual production enterprises, why will take a huge environmental liability, which is the logical starting point of writing this paper.The social responsibility of commercial banks includes numerous content, in the limited space to comprehensive, in-depth discussion. In view of this, the author selected social responsibility of commercial banks from the point of view of environmental responsibility as the main research breakthrough, and combined with the current practice, comparing with the foreign mature practices, to our country commercial bank in the future how to better fulfill its environmental responsibility put forward opinions and suggestions.The first part of this paper focuses on the theoretical basis of commercial banks undertake the responsibility for the environment are analyzed, and the basic definition of corporate social responsibility and environmental responsibility; analysis of the social responsibility of commercial banks and the particularity of environmental responsibility; the main concept of commercial banks and summarizes the theories of these three aspects of this paper makes a definition.The second part of this paper mainly discusses the particularity of environmental responsibility of commercial banks, in order to clear the importance in the performance of its environmental responsibility of commercial bank.The third part of this article through modeling and analyzing related data on the Industrial Bank, Industrial and commercial bank, Construction bank, China Merchants Bank, Shanghai Pudong Development Bank, find fulfilling environmental responsibility has positive influence on the economic benefit of commercial bank growth.The fourth part of the main content of this paper is the typical case and typical practice introduction. In this part, the author lists the domestic and commercial bank, industrial bank, Shanghai Pudong Development Bank and foreign HSBC, Citibank, Mizuho bank and other well-known commercial banks in this field has typical and successful experiences, and finally from the enterprise’s own management and commercial bank financing management has made significant summary.The fifth part of this paper will for the commercial banks in the performance problems facing environmental liability legislation in the process of loan applications exist judgment standard; problems; existence of supervision mechanism problems of three aspects of the analysis, and on the basis of the analysis, deep the intrinsic causes.The sixth part of this article will analyze the problem in the above, from the legislative level, system level, culture level of commercial banks to implement the environmental liability and put forward some constructive opinions and suggestion.