The State Bank of Vietnam (SBV) is getting the opinions of the people for the draft Circular guiding the implementation of environmental risk management in credit institutions (credit institutions) and branches Foreign goods. TTPD implemented environmental risk management in credit-granting activities - Minh Thao Thao explained: Environmental risks are the possibility of loss of assets, capital and income of real subjects Currently projects, production and business plans have a negative impact on the environment, arising environmental incidents or violations of environmental protection regulations with handling agencies according to law provisions. Environmental risks in credit-granting activities are credit risks of credit institutions at environmental risks according to the provisions of this Circular. Environmental risk assessment in lending activities is measurement Leveling the environmental risk of investment projects, production and business plans proposed lending and loans for investment projects and production plans - Business of customers must assess environmental risks according to the provisions of this Circular. Environmental risk management in credit granting activities is the classification, identification and measurement of environmental risks in operations
. Credit granting and the monitoring, control and proposal of solutions to overcome, limit the risk of arising .NNNA said that the Circular draft aims to create a common legal framework, requires compulsory real credit institutions Currently managing environmental risks in credit granting activities. Accordingly, credit institutions are based on the size and management capacity of the Bank and the guidance of the State Bank to issue and implement environmental risk management regulations through 2 forms: CI integrated into the loan process , Existing credit risk management; or credit institutions issue independent environmental risk management process
Environmental risk management principle shall specify 4 principles for environmental risk management in credit granting activities: 1- CFOs build management systems Risk of environmental risks in independent credit or integration in internal regulations on credit and internal control, but ensuring the principle of assigning liability with the decision to grant credit according to regulations Law on credit granting activities.2-credit institutions assessing environmental risks, environmental risks in credit granting and managing environmental risks in credit-based activities according to internal processes Construction credit institutions according to regulations.3- The credit institutions shall assess environmental risks to determine the risk of credit level, which is basis for customer credit ratings, interest rates, credit rates and costs Conditions for appropriate credit or supplementing Credit requirements, customer warning on environmental risks in credit-granting activities Ecology or incident of environmental problems.4- Credit institutions perform classification and deduction of risk provision and credit risk management for environmental risks with environmental risks in credit Current regulations of the State Bank. Besides, the draft states that credit institutions develop and announce the environmental policy of their organizations, including commitment to environmental risk management in credit-based activities . The environmental policy of credit institutions must be approved by the Board of Directors or the Board of Members or the Executive Board of credit institutions. Credit granting must conduct environmental risk assessment. Risk of environmental risks in credit-proof activities, except for forms of credit and loans to meet the following loan needs of customers: 1- Credit levels in the form of discount; how to pay; Bank guarantee; financial leasing; Loans through credit card issuance.2- Loans to meet the following capital needs: Serving the needs of life and consumer lending of consumer finance companies; Loans for investment projects and business plans in the fields of trade, service and circulation of goods without emission of waste and emissions according to the provisions of the Law on Environmental Protection; Fixed assets, procurement of fixed assets for the management of loan customers.3- Loans of investment project owners and manufacturing establishments in Group IV-There is no risk of adverse impacts Environment according to the provisions of the Law on Environmental Protection
You read See full text and suggestions here.Minh Duc . Dịch vụ:
Thiết kế website,
quảng cáo google,
đăng ký website bộ công thương uy tín
