Research On Environmental Protection Risk Management Of XX Commercial Bank Green Credit Based On Equator Principle

With the deepening of the environment industry,the green credit increasingly tighten and more and more be watching.Accepting the Equator Principles,develop the ecological finance,to making the benefit of the economic and the benefit of society come true.There is an agreenment on internatinal banking.The principle of green credit is the Equator Principle.The equator principles is a non official,by the world's major financial institutions according to the international financial,environmental and social policies and guideline,intended for environmental and social risks involved,determine the evaluation and management of project financing in the process of a set of voluntary principles.With the deepening of global economic integration and financial globalization,how to prevent environmental risks in the process of green credit is an urgent problem to be solved.Introducing the Equator Principle,This paper analyzes the current situation and problems of green credit environmental risk from the perspective of the Equator Principle and gives the corresponding countermeasures.Due to the late introduction of the Equator Principle in our country,the green credit business started late,so there is little research on it.Based on the above background,the equator principles with the green credit risk from the aspects of environmental protection,green credit risk,legal risk,environmental risk and reputation of green credit green credit operational risk analysis,has a very important significance for environmental protection under the equator principles of green credit risk.This paper uses the method of literature research and case analysis to study the selected topics.First,This paper defines the concept of the equator,green credit and green credit risk,and provides theoretical support for the latter.Introducing the principle of equator to re explain the environmental risk of green credit.Then and get the data in the case companies understand the field,this paper introduces the XX commercial bank case,analyzes its present situation from the aspects of green credit risk,legal risk,environmental risk and reputation of green credit green credit operational risk and find out the problems,and then puts forward the overall construction of the corresponding path to:(1)The introduction of project financing in line with the principles of the equator,and in the green credit risk prevention;(2)Establish and improve the green credit policy and environmental laws and regulations,from the relevant laws and policies to control the environmental legal risks;(3)The XX bank's own development goals and social responsibility,the implementation of green credit reputation risk prevention;(4)Improve the green credit process,and deal with all aspects of green credit risk prevention.The last is put forward suggestions on the green credit environmental risk.The research on the green credit environmental risk under the Equator Principle has certain practical value and decision-making reference significance.