澳大利亚商业银行环境风险管理研究（英文版）pdf/txt下载_在线阅读全文

澳大利亚商业银行环境风险管理研究（英文版）

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版次：1
页数：
字数：
印刷时间：2015年05月01日
开本：16开
纸张：胶版纸
包装：平装
是否套装：否
国际标准书号ISBN：9787514156973

作者:许寅硕　著出版社:经济科学出版社出版时间:2015年05月

内容简介

　　商业银行作为经济运行中的金融中介机构，通常被视作环境友好行业。然而，当其信用中介和金融服务职能被频繁地用于影响环境的企业生产经营活动时，银行对环境的间接影响便不可忽视，并有可能面临环境风险，这种可能性迫使银行将环境风险管理纳入其信贷过程。本书详细调查并分析了澳大利亚三家主要商业银行（澳新银行（ANZ）、国民银行（NAB）以及西太平洋银行（Westpac））公司信贷业务中的环境风险管理流程，在此大框架下重点研究了环境风险与银行贷款约定事项以及环境风险与银行贷款利率两个具体的操作环节。本书还对这些银行公司信贷业务的环境可持续发展的总体程度进行了评估。

目　　录

CHAPTER 1 INTRODUCTION
1.1 Background and Motivations
1.1.1 Environmental issues in business
1.1.2 Environmental issues and banks--environmental risks
1.1.3 Environmental risks and Australian banks
1.1.4 Australian banks' commitments and practices to integrateenvironmental risks into their lending businesses
1.1.5 Associations between environmental risks and bankloan covenants, and the cost of bank loans
1.2 Statement of the Research Problem and Research Purpose
1.3 heoretical Perspective and Research Methodology
1.4 Definitions for Key Terms
1.5 Contributions
1.6 Delimitations of the Research Scope
1.7 Outline of the Book
CHAPTER 2 COMMERCIAL BANKS' ENVIRONMENTAL

CHAPTER 1 INTRODUCTION 
1.1 Background and Motivations 
1.1.1 Environmental issues in business 
1.1.2 Environmental issues and banks--environmental risks 
1.1.3 Environmental risks and Australian banks 
1.1.4 Australian banks' commitments and practices to integrateenvironmental risks into their lending businesses 
1.1.5 Associations between environmental risks and bankloan covenants, and the cost of bank loans 
1.2 Statement of the Research Problem and Research Purpose 
1.3 heoretical Perspective and Research Methodology 
1.4 Definitions for Key Terms 
1.5 Contributions 
1.6 Delimitations of the Research Scope 
1.7 Outline of the Book 
CHAPTER 2 COMMERCIAL BANKS' ENVIRONMENTAL 
RISK MANAGEMENT (ERM) 
2.1 Introduction 
2.2 Environmental Risks from Banks' Perspective 
2.2.1 Interpretations of environmental risks 
2.2.2 Determinants of environmental risks facingbanks in lending 
2.3 Environmental Initiatives of Banks 
2.3.1 United Nations Environment Programme FinanceInitiative ( UNEP FI) 
2.3.2 Equator Principles 
2.4 Environmental Risk Management (ERM) of Banks 
2.4.1 Concepts and procedures of banks' ERM 
2.4.2 Integration of ERM into banks' credit processes 
2.5 Covenants in Bank Loan Agreements 
2.5.1 Classifications of bank loan covenants 
2.5.2 Functions of bank loan covenants 
2.6 Environmental Covenants 
2.6.1 Environmental covenants for loans frommultilateral development banks 
2.6.2 Environmental covenants for loans fromcommercial banks 
2.7 Environmental Risks and the Cost of Bank Loans 
2.7.1 Determinants of the cost of bank loans 
2.7.2 Association between environmental risks and thecost of bank loans 
2.8 Conceptual Framework Based on Previous Literature 
2.9 CHAPTER Summary 
CHAPTER 3 ENVIRONMENTAL RISKS, BANK LOAN 
COVENANTS AND THE COST OF BANK 
LOANS--THEORETICAL FRAMEWORK 
PERSPECTVIE 
3.1 Introduction 
3.2 Agency Theory 
3.3 Application of Agency Theory to Environmental Risks 
3.4 Environmental Risks and Bank Loan Covenants 
3.4.1 Environmental covenants in bank loan agreements 
3.4.2 Customised environmental covenants 
3.5 Environmental Risks and the Cost of Bank Loans 
3.6CHAPTER Summary 
CHAPTER 4 RESEARCH DESIGN AND 
METHODOLOGY 
4.1 Introduction 
4.2 Research Paradigms and the Research Methodology Adopted ~ 
4.2.1 Introduction of research paradigms 
4.2.2 Phenomenological paradigm underlying this study and 
the research methodology adopted 
4.3 Qualitative Data Collection 
4.3.1 Sampling methods and strategies 
4.3.2 Qualitative data collection methods 
4.3.3 Data collection procedures 
4.3.4 Data administration and ethics 
4.4 Qualitative Data Analysis Methods 
4.4.1 Justification for manual data analysis 
4.4.2 On-going qualitative data analysis throughoutthis study 
4.5CHAPTER Summary 
CHAPTER 5 DATA ANALYSIS RESULTS 
5.1 Introduction 
5.2 Corporate Lending 
5.2.1 General information on corporate lending 
5.2.2 The corporate credit process 
5.3 Environmental Risks in Banks' Corporate Lending 
5.3.1 Definition and dimensions of environmental risks 
5.3.2 Attributes of environmental risks 
5.3.3 Determinants of banks' exposure to environmental risks 
5.4 ERM in the Corporate Credit Process 
5.4.1 Preliminary environmental analysis 
5.4.2 Environmental risk evaluation 
5.4.3 Environmental risk control and monitoring 
5.4.4 Environmental risks and the cost of bank loans 
5.4.5 Summary of ERM in the corporate credit process 
5.5 Evolution of Environmental Sustainability in Banks'Corporate Lending 
5.5.1 Application of the Equator Principles 
5.5.2 ERM being ' business as usual 
5.6 Environmental Sustainability Transformation in Major AustralianBanks' Corporate Lending 
5.6.1 Environmental sustainability transformation of banks'corporate lending 
5.6.2 Major Australian banks in the environmental sustainabilitytransformation process 
5.7 CHAPTER Summary 
CHAPTER 6 DISCUSSION, CONCLUSIONS AND 
IMPLICATIONS 
6.1 Introduction 
6.2 Discussion of the Results 
6.2.1 Environmental risks in banks' corporate creditprocesses 
6.2.2 RQ1 : How are environmental risks in corporate lending associated with bank loan covenants? 
6.2.3 RQ2 : How are environmental risks in corporate lending associated with the cost of bank loans? 
6.2.4 Conceptual framework based on the results 
6.3 Implications for Practice 
6.4 Limitations 
6.5 Directions for Future Research 
REFERENCES 
APPENDICIES 
Appendix 1 Love Canal Disaster 
Appendix 2 Equator Principles June 2013 
Appendix 3 Specimen Environmental Undertakings and Covenants in Term Loan Facility Letters (Case 1999) 
Appendix 4 The Value of Environmental Covenants in Bank Loan Agreements 
Appendix 5 Consent Form 
Appendix 6 Cover Letter 
Appendix 7 Interview Checklist 1 
Appendix 8 Interview Checklist 2 
ACKNOWLEDGEMENTS

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