Green Credit Guidelines

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【英文名称】Green Credit Guidelines

【中文名称】绿色信贷指引

【发布部门】中国银行业监督管理委员会

【发文字号】银监发〔2012〕4号

【发布日期】2012.02.24

【实施日期】2012.02.24

【效力级别】部门规章

【法律时效】现行有效


Notice of the CBRC on Issuing the Green Credit Guidelines
中国银监会关于印发绿色信贷指引的通知
(Yin Jian Fa [2012] No.4)

CBRC local offices, policy banks, state-owned commercial banks, joint-stock commercial banks, financial assets management companies, the PSBC, provincial rural credit unions, as well as all trust firms, enterprise group finance companies and financial leasing firms directly regulated by the CBRC:

各银监局,各政策性银行、国有商业银行、股份制商业银行、金融资产管理公司,邮政储蓄银行,各省级农村信用联社,银监会直接监管的信托公司、企业集团财务公司、金融租赁公司:

  To implement the macro adjustment policies provided for in the Integrated Working Plan of the State Council for Energy Conservation and Emission Reduction during the 12th Five-year Period and the Comments of the State Council on Strengthening Environmental Protection Priorities, and to follow the requirements of matching supervisory policies with industrial policies, the CBRC has formulated the Green Credit Guidelines for the purpose of encouraging banking institutions to, by focusing on green credit, actively adjust credit structure, effectively fend off environmental and social risks, better serve the real economy, and boost the transformation of economic growth mode and adjustment of economic structure. The Guidelines are hereby printed and issued for implementation.

  为贯彻落实《国务院“十二五”节能减排综合性工作方案》(国发〔2011〕26号)、《国务院关于加强环境保护重点工作的意见》(国发〔2011〕35号)等宏观调控政策,以及监管政策与产业政策相结合的要求,推动银行业金融机构以绿色信贷为抓手,积极调整信贷结构,有效防范环境与社会风险,更好地服务实体经济,促进经济发展方式转变和经济结构调整,银监会制定了《绿色信贷指引》。现印发给你们,请遵照执行。

  Banking supervisory authorities should forward the Notice to local banking institutions and urge them into implementation.

  请各银监局将本通知转发至辖内银行业金融机构,并督促落实。

        The China Banking Regulatory Commission

        中国银行业监督管理委员会

        Feb. 24, 2012

        二○一二年二月二十四日


Green Credit Guidelines 中英文双语对照版
绿色信贷指引

Chapter 1 General Provisions / 第一章 总 则

Article 1 For the purpose of encouraging banking institutions to develop green credit, these Guidelines are formulated pursuant to the Law of the People's Republic of China on Banking Regulation and Supervision and the Law of the People's Republic of China on Commercial Banks.

第一条 为促进银行业金融机构发展绿色信贷,根据《中华人民共和国银行业监督管理法》、《中华人民共和国商业银行法》等法律法规,制定本指引。

Article 2 Banking Institutions mentioned herein include policy banks, commercial banks, rural cooperative banks and rural credit cooperatives lawfully incorporated within the territory of the People’s Republic of China.

第二条 本指引所称银行业金融机构,包括在中华人民共和国境内依法设立的政策性银行、商业银行、农村合作银行、农村信用社。

Article 3 Banking institutions shall promote green credit from a strategic height, increase the support to green, low-carbon and recycling economy, fend off environmental and social risks, and improve their own environmental and social performance, thus optimizing their credit structure, improving the quality of services, and facilitating the transformation of development mode.

第三条 银行业金融机构应当从战略高度推进绿色信贷,加大对绿色经济、低碳经济、循环经济的支持,防范环境和社会风险,提升自身的环境和社会表现,并以此优化信贷结构,提高服务水平,促进发展方式转变。

Article 4 Banking institutions shall effectively identify, measure, monitor and control environmental and social risks associated with their credit activities, establish environmental and social risk management system, and improve relevant credit policies and process management.

第四条 银行业金融机构应当有效识别、计量、监测、控制信贷业务活动中的环境和社会风险,建立环境和社会风险管理体系,完善相关信贷政策制度和流程管理。

The environmental and social risks mentioned herein refer to the hazards and risks on the environment and society that may be brought about by the construction, production and operating activities of banking institutions’ clients and key affiliated parties thereof, including environmental and social issues related to energy consumption, pollution, land, health, safety, resettlement of people, ecological protection, climate change, etc.

本指引所称环境和社会风险是指银行业金融机构的客户及其重要关联方在建设、生产、经营活动中可能给环境和社会带来的危害及相关风险,包括与耗能、污染、土地、健康、安全、移民安置、生态保护、气候变化等有关的环境与社会问题。

Article 5 The CBRC is responsible for, in accordance with applicable laws, regulating and supervising banking institutions’ green credit business and their environmental and social risk management.

第五条 中国银监会依法负责对银行业金融机构的绿色信贷业务及其环境和社会风险管理实施监督管理。

Chapter 2 Organization and Management / 第二章 组织管理

Article 6 The board of directors or supervisory board of a banking institution shall build and promote green credit concepts concerning energy saving, environmental protection and sustainable development, be committed to giving play to the functions of facilitating holistic, coordinated and sustainable economic and social development, and establish a sustainable development model that will benefit the society at the same time.

第六条 银行业金融机构董事会或理事会应当树立并推行节约、环保、可持续发展等绿色信贷理念,重视发挥银行业金融机构在促进经济社会全面、协调、可持续发展中的作用,建立与社会共赢的可持续发展模式。

Article 7 The board of directors or supervisory board of a banking institution is responsible for developing green credit development strategy, approving the green credit objectives developed by and the green credit report submitted by senior management, and monitoring and assessing the implementation of green credit development strategy.

第七条 银行业金融机构董事会或理事会负责确定绿色信贷发展战略,审批高级管理层制定的绿色信贷目标和提交的绿色信贷报告,监督、评估本机构绿色信贷发展战略执行情况。

Article 8 The senior management of a banking institution shall, pursuant to the resolutions of the board of directors or supervisory board, develop the green credit objectives, have in place relevant mechanisms and processes, define clearly the roles and responsibilities, conduct internal checks and appraisal, annually provide report to the board of directors or supervisory board on the development of green credit, and timely submit relevant reports to competent supervisory authorities.

第八条 银行业金融机构高级管理层应当根据董事会或理事会的决定,制定绿色信贷目标,建立机制和流程,明确职责和权限,开展内控检查和考核评价,每年度向董事会或理事会报告绿色信贷发展情况,并及时向监管机构报送相关情况。

Article 9 The senior management of a banking institution shall assign a senior officer and a department and configure them with necessary resources to organize and manage green credit activities. Where necessary, a cross-departmental green credit committee can be set up to coordinate relevant activities.

第九条 银行业金融机构高级管理层应当明确一名高管人员及牵头管理部门,配备相应资源,组织开展并归口管理绿色信贷各项工作。必要时可以设立跨部门的绿色信贷委员会,协调相关工作。

Chapter 3 Policy, System and Capacity Building / 第三章 政策制度及能力建设

Article 10 Banking institutions shall, as per national environmental protection laws and regulations, industrial policies, sector entry policies, and other applicable regulations, establish and constantly improve the policies, systems and processes for environmental and social risk management and identify the directions and priority areas for green credit support. As for industries falling within the national "restricted" category and industries associated with major environmental and social risks, they shall customize credit granting guidelines, adopt differentiated and dynamic credit granting policies, and implement the risk exposure management system.

第十条 银行业金融机构应当根据国家环保法律法规、产业政策、行业准入政策等规定,建立并不断完善环境和社会风险管理的政策、制度和流程,明确绿色信贷的支持方向和重点领域,对国家重点调控的限制类以及有重大环境和社会风险的行业制定专门的授信指引,实行有差别、动态的授信政策,实施风险敞口管理制度。

Article 11 Banking institutions shall develop client environmental and social risk assessment criteria, dynamically assess and classify client environmental and social risks, and consider the results as important basis for credit rating, access, management and exit. They shall adopt differentiated risks management measures concerning loan investigation, review and inspection, loan pricing, and economic capital allocation.

第十一条 银行业金融机构应当制定针对客户的环境和社会风险评估标准,对客户的环境和社会风险进行动态评估与分类,相关结果应当作为其评级、信贷准入、管理和退出的重要依据,并在贷款“三查”、贷款定价和经济资本分配等方面采取差别化的风险管理措施。

Banking institutions shall prepare a list of clients currently faced with major environmental and social risks, and require these clients to take risk mitigation actions, including developing and having in place major risk action plans, establishing sufficient, effective stakeholder communication mechanisms, and finding a third party to share such risks.

银行业金融机构应当对存在重大环境和社会风险的客户实行名单制管理,要求其采取风险缓释措施,包括制定并落实重大风险应对预案,建立充分、有效的利益相关方沟通机制,寻求第三方分担环境和社会风险等。

Article 12 Banking institutions shall establish working mechanisms conducive to green credit innovation to boost innovation of green credit processes, products and services while effectively curbing risks and ensuring commercial viability.

第十二条 银行业金融机构应当建立有利于绿色信贷创新的工作机制,在有效控制风险和商业可持续的前提下,推动绿色信贷流程、产品和服务创新。

Article 13 Banking institutions shall give priority to their own environmental and social performance, set up appropriate systems, step up the publicity and education on green credit concepts, standardize their operational behaviors, promote green office, and improve the level of intensive management.

第十三条 银行业金融机构应当重视自身的环境和社会表现,建立相关制度,加强绿色信贷理念宣传教育,规范经营行为,推行绿色办公,提高集约化管理水平。

Article 14 Banking institutions shall strengthen green credit capacity building, establish and improve green credit labeling and statistics system, improve relevant credit management systems, enhance green credit training, develop and employ related professionals. Where necessary, they can hire an eligible, independent third party to assess environmental and social risks or acquire related professional services by means of outsourcing.

第十四条 银行业金融机构应当加强绿色信贷能力建设,建立健全绿色信贷标识和统计制度,完善相关信贷管理系统,加强绿色信贷培训,培养和引进相关专业人才。必要时可以借助合格、独立的第三方对环境和社会风险进行评审或通过其他有效的服务外包方式,获得相关专业服务。

Chapter 4 Process Management / 第四章 流程管理

Article 15 Banking institutions shall strengthen due diligence in credit granting. The scope of due diligence on environmental and social risks shall be defined according to the characteristics of the sector and region in which the client and its project is located, so as to ensure the due diligence is complete, thorough and detailed. Where necessary, the banking institutions can seek for support from an eligible, independent third party and competent authorities.

第十五条 银行业金融机构应当加强授信尽职调查,根据客户及其项目所处行业、区域特点,明确环境和社会风险尽职调查的内容,确保调查全面、深入、细致。必要时可以寻求合格、独立的第三方和相关主管部门的支持。

Article 16 Banking institutions shall examine the compliance of clients to whom credit will be granted. As for environmental and social performance, compliance checklist and compliance risk checklist shall be developed according to the characteristics of different sectors, so as to ensure compliance, effectiveness and completeness of the documents submitted by the clients, and make sure they have paid enough attention to related risk points, performed effective dynamic control, and satisfied the requirements on substantial compliance.

第十六条 银行业金融机构应当对拟授信客户进行严格的合规审查,针对不同行业的客户特点,制定环境和社会方面的合规文件清单和合规风险审查清单,确保客户提交的文件和相关手续的合规性、有效性和完整性,确信客户对相关风险点有足够的重视和有效的动态控制,符合实质合规要求。

Article 17 Banking institutions shall strengthen credit approval management, and define reasonable level of credit granting authority and approval process according to the nature and severity of environmental and social risks faced by the clients. Credits may not be granted to clients whose environmental and social performance fails to meet compliance requirements.

第十七条 银行业金融机构应当加强授信审批管理,根据客户面临的环境和社会风险的性质和严重程度,确定合理的授信权限和审批流程。对环境和社会表现不合规的客户,应当不予授信。

Article 18 Banking institutions shall, by improving contract clauses, urge their clients to strengthen environmental and social risk management. As for clients involving major environmental and social risks, the contract shall provide for clauses that require them to submit environmental and social risk report, state and avow that they will strengthen environmental and social risk management, and promise that they are willing to be supervised by the lender; the contract shall also provide for clauses concerning the remedies banking institutions can resort to in the event of default on environmental and social risks made by the clients.

第十八条 银行业金融机构应当通过完善合同条款督促客户加强环境和社会风险管理。对涉及重大环境和社会风险的客户,在合同中应当要求客户提交环境和社会风险报告,订立客户加强环境和社会风险管理的声明和保证条款,设定客户接受贷款人监督等承诺条款,以及客户在管理环境和社会风险方面违约时银行业金融机构的救济条款。

Article 19 Banking institutions shall enhance credit funds disbursement management and regard how well clients have managed environmental and social risks as important basis for credit funds disbursement. As for projects to which credit is granted, all stages, including design, preparation, construction, completion, operation and shutdown shall be subjected to environmental and social risk assessment. Where major risks or hazards are identified, credit funds appropriation can be suspended or even terminated.

第十九条 银行业金融机构应当加强信贷资金拨付管理,将客户对环境和社会风险的管理状况作为决定信贷资金拨付的重要依据。在已授信项目的设计、准备、施工、竣工、运营、关停等各环节,均应当设置环境和社会风险评估关卡,对出现重大风险隐患的,可以中止直至终止信贷资金拨付。

Article 20 Banking institutions shall strengthen post-loan management. As for clients involving potential major environmental and social risks, relevant and pertinent post-loan management actions shall be developed and implemented. They shall watch closely the impact of national policies on the clients’ operation, step up dynamic analysis, and make timely adjustment to asset risk classification, reserve provisioning and loss write-off. They shall establish and improve internal reporting system and accountability system concerning major environmental and social risks faced by the clients. Where major environmental or social risk event occurs to the client, the banking institution concerned shall timely take relevant risk responses and report to competent supervisory authorities on potential impact of said event on itself.

第二十条 银行业金融机构应当加强贷后管理,对有潜在重大环境和社会风险的客户,制定并实行有针对性的贷后管理措施。密切关注国家政策对客户经营状况的影响,加强动态分析,并在资产风险分类、准备计提、损失核销等方面及时做出调整。建立健全客户重大环境和社会风险的内部报告制度和责任追究制度。在客户发生重大环境和社会风险事件时,应当及时采取相关的风险处置措施,并就该事件可能对银行业金融机构造成的影响向监管机构报告。

Article 21 Banking institutions shall strengthen the environmental and social risk management for overseas projects to which credit will be granted and make sure project sponsors abide by applicable laws and regulations on environmental protection, land, health, safety, etc. of the country or jurisdiction where the project is located. The banking institutions shall make promise in public that appropriate international practices or international norms will be followed as far as such overseas projects are concerned, so as to ensure alignment with good international practices.

第二十一条 银行业金融机构应当加强对拟授信的境外项目的环境和社会风险管理,确保项目发起人遵守项目所在国家或地区有关环保、土地、健康、安全等相关法律法规。对拟授信的境外项目公开承诺采用相关国际惯例或国际准则,确保对拟授信项目的操作与国际良好做法在实质上保持一致。

Chapter 5 Internal Controls and Information Disclosure / 第五章 内控管理与信息披露

Article 22 Banking institutions shall incorporate green credit implementation into the scope of internal compliance examination, and regularly organize and carry out internal auditing on green credit. Where major deficiencies are identified, investigation shall be conducted to determine whom to be held accountable as per applicable regulations.

第二十二条 银行业金融机构应当将绿色信贷执行情况纳入内控合规检查范围,定期组织实施绿色信贷内部审计。检查发现重大问题的,应当依据规定进行问责。

Article 23 Banking institutions shall establish effective green credit appraisal and evaluation system and reward and penalty system, and have in place incentive and disciplinary measures, so as to ensure sustained and effective offering of green credit.

第二十三条 银行业金融机构应当建立有效的绿色信贷考核评价体系和奖惩机制,落实激励约束措施,确保绿色信贷持续有效开展。

Article 24 Banking institutions shall make public their green credit strategies and policies, and fully disclose developments of their green credit business. As for credit involving major environmental and social risks, the banking institutions shall disclose relevant information according to laws and regulations, and be subjected to the oversight by the market and stakeholders. Where necessary, an eligible, independent third party can be hired to assess or audit the activities of banking institutions in performing their environmental and social responsibilities.

第二十四条 银行业金融机构应当公开绿色信贷战略和政策,充分披露绿色信贷发展情况。对涉及重大环境与社会风险影响的授信情况,应当依据法律法规披露相关信息,接受市场和利益相关方的监督。必要时可以聘请合格、独立的第三方,对银行业金融机构履行环境和社会责任的活动进行评估或审计。

Chapter 6 Monitoring and Examination / 第六章 监督检查

Article 25 Banking supervisory authorities at all levels shall strengthen the coordination with competent authorities, establish and improve information sharing mechanism, improve information services, and remind banking institutions of related environmental and social risks.

第二十五条 各级银行业监管机构应当加强与相关主管部门的协调配合,建立健全信息共享机制,完善信息服务,向银行业金融机构提示相关环境和社会风险。

Article 26 Banking supervisory authorities at all levels shall strengthen off-site surveillance, improve off-site supervisory indicator system, enhance the monitoring and analysis of environmental and social risks faced by banking institutions, timely guide them to strengthen risk management and adjust credit orientation.

第二十六条 各级银行业监管机构应当加强非现场监管,完善非现场监管指标体系,强化对银行业金融机构面临的环境和社会风险的监测分析,及时引导其加强风险管理,调整信贷投向。

Banking institutions shall, pursuant to the provisions hereof, perform overall green credit evaluation at least once every two year, and submit the self-evaluation report to competent banking supervisory authorities.

银行业金融机构应当根据本指引要求,至少每两年开展一次绿色信贷的全面评估工作,并向银行业监管机构报送自我评估报告。

Article 27 When organizing and conducting on-site examination, banking supervisory authorities shall take into full account the environmental and social risks faced by banking institutions, and make clear the scope and requirements of examination. As for regions or banking institutions involving prominent environmental and social risks, ad hoc examination shall be conducted and urge said institutions to improve in light of examination results.

第二十七条 银行业监管机构组织开展现场检查,应当充分考虑银行业金融机构面临的环境和社会风险,明确相关检查内容和要求。对环境和社会风险突出的地区或银行业金融机构,应当开展专项检查,并根据检查结果督促其整改。

Article 28 Banking supervisory authorities shall provide more guidance to banking institutions on green credit self-evaluation, and, in conjunction with the results of off-site surveillance and on-site examination, holistically assess the green credit performance of banking institutions, and treat the assessment results, as per applicable laws and regulations, as important basis for supervisory rating, institution licensing, business licensing, and senior officer performance evaluation.

第二十八条 银行业监管机构应当加强对银行业金融机构绿色信贷自我评估的指导,并结合非现场监管和现场检查情况,全面评估银行业金融机构的绿色信贷成效,按照相关法律法规将评估结果作为银行业金融机构监管评级、机构准入、业务准入、高管人员履职评价的重要依据。

Chapter 7 Supplementary Provisions / 第七章 附 则

Article 29 These Guidelines become effective as of the date of promulgation. Village banks, lending firms, rural mutual cooperatives and non-banking financial institutions shall enforce actions in reference to these Guidelines.

第二十九条 本指引自公布之日起施行。村镇银行、贷款公司、农村资金互助社、非银行金融机构参照本指引执行。

Article 30 These Guidelines are subject to interpretations by the CBRC.

第三十条 本指引由中国银监会负责解释。