我国绿色信贷责任实施模式的构建  

Construction of Implementation Mode of Green Credit Responsibility in China

作　　者：杨峰[1] 秦靓[1] Yang Feng;Qin Liang(Law School of Nanchang University,Nanchang Jiangxi 330031)

机构地区：[1]南昌大学法学院

出　　处：《政法论丛》2019年第6期48-60,共13页Journal of Political Science and Law

基　　金：中国法学会部级法学研究重点委托课题“乡村振兴战略与法治服务保障研究”(CLS 2018ZDWT21)的阶段性研究成果;江西省社科规划青年项目“民营经济发展的法治服务保障问题研究”(19FX13);江西省研究生创新专项资金资助项目“生态文明背景下绿色信贷法律制度的完善”(YC2019-B015)的阶段性研究成果

摘　　要：绿色信贷责任是指银行企业等金融机构在生态文明建设中负有的促进社会与环境可持续发展所应承担的一种社会责任。绿色信贷责任的理论基础来源于企业社会责任理论,在当前,人类命运共同体理论是绿色信贷责任的新理论基础。不同国家由于社会政治、经济结构、文化传统和金融市场不同,其实施绿色信贷责任的模式和路径也不同,主要有"赤道原则"模式、政府责任模式和环境法律责任模式。随着各国在法律和金融领域的交流,绿色信贷责任实施的模式相互借鉴有趋同的趋势。我国绿色信贷的实施存在一些问题,绿色信贷效果并不明显。我国现行法律对于绿色信贷中的法律责任规定不足,绿色信贷责任的相关激励机制不足,同时我国目前缺乏"赤道原则"的自愿实施机制的基础。因此,为了进一步促进绿色信贷责任的实施,我们应当建立一种综合的绿色信贷责任实施模式,即建立商业银行环境法律责任,完善政府行政权力激励机制,建立以市场机制为基础的社会多方主体参与的绿色信贷责任实施模式。Green credit responsibility refers to a kind of social responsibility that Banks, enterprises and other financial institutions should undertake to promote the sustainable development of society and environment in the construction of ecological civilization. The theoretical basis of green credit responsibility comes from the theory of corporate social responsibility. At present, the theory of community of Shared future is the new theoretical basis of green credit responsibility. Due to differences in social politics, economic structure, cultural tradition and financial market, different countries have different modes and paths of implementing green credit responsibility, mainly including "equator principle" mode, government responsibility mode and environmental legal responsibility mode. With the exchanges of countries in the legal and financial fields, the implementation of green credit responsibility has a tendency of convergence. There are some problems in the implementation of green credit in our country, and the effect of green credit is not obvious. The current laws of our country have insufficient provisions on legal liability in green credit, and the related incentive mechanism of green credit liability is insufficient. Meanwhile, our country lacks the foundation of voluntary implementation mechanism of "equator principle". Therefore, in order to further promote the implementation of green credit responsibility, we should establish a comprehensive implementation model of green credit responsibility, that is, establish the environmental legal responsibility of commercial Banks for green credit, improve the policy incentive mechanism with government administrative power as the core, introduce market mechanism, and actively participate in various social subjects.

关 键 词：绿色信贷责任 企业社会责任 环境法律责任 

分 类 号：DF438.2[政治法律—经济法学]