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环境保险是商业银行转嫁项目融资中不确定性程度较高的环境风险的重要手段,是各国环境立法不断强化商业银行环境责任背景下商业银行环境风险管理的重要内容。同时,环境保险也对商业银行加强环境风险管理发挥着重要的监督和促进作用。我国环境立法的日趋完善对商业银行贷款的环境风险管理提出了更高的要求,特别是在国际项目融资业务方面,面对的环境风险将更为复杂。为了提高国际竞争力,我国商业银行要积极借鉴国际经验,运用环境保险合理转嫁和规避环境风险,提高环境风险管理水平。
Environmental insurance is an important means for commercial banks to pass on environmental risks with a high degree of uncertainty in project financing. It is also an important part of environmental legislation in commercial banks that continuously strengthens commercial banks’ environmental risk management under the environmental responsibility of commercial banks. At the same time, environmental insurance also plays an important role in supervising and promoting commercial banks in strengthening environmental risk management. The increasing perfection of environmental legislation in our country places higher requirements on the environmental risk management of commercial bank loans. In particular, the environmental risks faced by international project financing businesses will be more complicated. In order to enhance their international competitiveness, commercial banks in our country should actively learn from international experience, apply environmental insurance to pass on and avoid environmental risks, and raise the level of environmental risk management.