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绿色信贷源于国际上公认的赤道原则,旨在运用金融杠杆促进该项目在环境保护以及周围社会和谐发展方面发挥积极作用。实践中,发达国家商业银行绿色信贷业务主要划分为项目融资、绿色信用卡、运输贷款、汽车贷款、商业建筑贷款、房屋净值贷款以及住房抵押贷款七类。2007年7月,我国首次明确提出绿色信贷,环境保护部将其定义为:利用信贷手段促进节能减排的一系列政策、制度安排及实践。其核心内容主要包括两方面:一是利用优惠的信贷政策和手段支持环保、节能项目或企业;二是对违反环保和节能相关法律
Green credit stems from internationally recognized Equator Principles, aiming at using financial leverage to promote the project’s active role in environmental protection and the harmonious development of the surrounding communities. In practice, the green credit business of commercial banks in developed countries is mainly divided into seven categories: project financing, green credit cards, transportation loans, auto loans, commercial construction loans, home equity loans and housing mortgage loans. In July 2007, for the first time, China clearly put forward green credit. The MEP defines it as a series of policies, institutional arrangements and practices of using credit to promote energy conservation and emission reduction. Its core content mainly includes two aspects: First, the use of preferential credit policies and measures to support environmental protection, energy-saving projects or businesses; the second is the violation of environmental and energy-saving laws