赤道原則採納與否之決定因素;Determinants of Adopting the Equator Principles

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题名:	赤道原則採納與否之決定因素;Determinants of Adopting the Equator Principles
作者:	林政賢;Lin,Cheng-Hsien
贡献者:	財務金融學系
关键词:	赤道原則;專案融資;金融機構;the Equator Principles;project finance;financial institutions
日期:	2014-06-25
上传时间:	2014-08-11 18:30:18 (UTC+8)
出版者:	國立中央大學
摘要:	隨著環社風險的概念逐漸受到重視，環社風險議題對於金融業之影響性亦逐漸擴大。以往金融業自詡為「無煙囪」產業，然而近年來金融業對於環境的衝擊也逐漸被人們所檢視，金融業身為企業資金的供給者，無疑也是造成環境破壞的推手之一。因此，越來越多的環境保護團體以及非政府組織團體也相繼提出呼籲，希望金融機構在對專案融資放款的同時可以做好環境評估的把關工作。赤道原則，一套作為金融業處理專案融資的評估、審查與管理的基本框架從而誕生。本文將以赤道原則為基礎，回顧赤道原則的起源、背景及演進，接著去探討怎樣的機構背景會促使金融機構傾向採納赤道原則，以及去分析為何有些金融機構會採納赤道原則，甚至納入自身內部的風險管理流程之中，又是何種原因使金融機構尚未採納赤道原則，並在文中以日本的瑞穗銀行和中國的國家開發銀行為案例去分析其採納與未採納的變化及背後原因，最後會總結本文的研究結果及對於本國金融業的期許。 ;In the past, the financial industry did not think they should be responsible for the environment destruction. In recent years, however, the impact on the environment from the financial industry is gradually viewed by people. As the supplier of funds for enterprise, financialindustry has the power to allocate the resources to the community. It is no doubt that the financial industry is one of the backstage driving forces for the environment destruction. Therefore, the risk management becomes an issue that can′t be ignored. More and more environmental groups and NGO groups have make efforts to call on financial institutions to take responsibilities of supervision and management for each loan they made. Therefore, the Equator Principles, a framework of environmental and socialguidelines for financing and advising on infrastructureprojects, was set up. It stipulates why and how financial institutions should consider environmental and social issues in their project finance operations. This paper will be divided into several sections. The first section will introduce the origin, the background and the evolution of the Equator Principles. The second section will discuss what kind of the institutional conditions that induce financial institutions to adopt the Equator Principles. We will analysis the reasons why some of financial institutions agree to adopt the voluntary principle, and even incorporate them into their internal risk management procedure. However, there are still some financial institutions that have not adopted it. In this paper, we will take Mizuho Bank, Ltd. and China Development Bank for example to analysis what will be changed after adopted the Equator Principles and what reasons hinder other banks to adopt it. Finally, we will review the research we made and give some suggestions to our domestic financial industry to promote their global competition, and furthermore, to fulfill their sustainable development.
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