合同能源管理：授信风险及融资模式选择-《长安大学学报（社科版）》

文章信息/Info

Title:: Energy management contrast: credit risk and financing mode selection

作者:: 赵武; 周健东; 高樱; 庞加兰; 西安电子科技大学经济与管理学院；中国银行深圳分行；西安电子科技大学出版社； 4. 西安外国语大学经济金融学院

Author(s):: ZHAO Wu; ZHOU Jian-dong; GAO Ying; PANG Jia-lan; School of Economics and Management, Xidian University, Xi’an 710071, Shaanxi, China; Branch of Shenzhen, The Bank of China, Shenzhen 518005, Guangdong, China; Xidian University Press, Xi’an 710071, Shaanxi, China; School of ?Economics and Finance, Xi’an International Studies University, Xi’an 710128, Shaanxi, China

Keywords:: energy management contrast; credit risk; commercial bank; financing mode; supply chain; cash flow

摘要:: 合同能源管理（EMC）是发达国家普遍推行的、运用市场化手段促进节能的服务机制，对于推进中国节能产业发展具有十分重要的借鉴意义。但目前融资困难是制约合同能源管理在中国推进的一个重要原因。针对国内商业银行EMC授信业务存在的主要障碍，在分析合同能源管理特点、运作流程及效益分享结构的基础上，借鉴国内、国外成熟的EMC授信模式，将中小企业新模式引入其中,结合淡马锡“五位一体”风控体系及德国IPC微贷技术，探索适合中国商业银行合同能源管理模式。

Abstract:: Energy management contract (EMC) is a service mechanism, which is widely practiced in developed countries and promotes energy saving[JP2] by the means of marketization, and it is of great significance in promoting the development of China’s energy saving industry. But the current difficulty in financing is an important reason for restricting energy management contract in China. Facing the major obstacles in national commercial banks EMC credit business, and based on the analysis of the features of energy management contract, its operational process and its benefit sharing structure, this essay introduces the new mode of small and mediumsized enterprise. Combined with Temasek “Five in One” risk control system and the German IPC microloan technique, it explores national commercial banks energy management contract’s credit mode innovation for small and mediumsized enterprises.