然而分析表明，绿色信贷实施以来，我国产业升级的实际效应并不显著。
However, the analysis shows that since the implementation of green credit, the actual effect of China's industrial upgrading is not significant.
我国商业银行在国家政策推动下进行了绿色信贷实践，但遇到诸多困境。
In our country, commercial banks are carrying out the practice of green credits, encountering a lot of hardships.
这导致各商业银行对“绿色信贷政策”在执行方面的反应都太初级或者太困惑。
This leads to confused or naive reactions from commercial banks in implementing the "Green Credit Policy."
其中包括去年的“绿色信贷”政策，国有银行凭此搁置那些造成巨量污染的企业的贷款。
These include last year's "green credit" policy whereby state-owned banks are supposed to suspend lending to egregious polluters (SEPA circulated a list of 30 such companies in July).
因此，解决环境保护的激励机制和完善环境风险管理体系，是提升绿色信贷对产业升级作用的关键。
Thus, to establish the incentive mechanism for environmental protection and improve the environmental risk management system is the key to enhance the role of green credit in industrial upgrading.
绿色金融的提出与环境风险有关，除了自身的环境指标，金融机构还要面临信贷风险、法律风险及声誉风险。
Green finance is related to environmental risks. In addition to its own environmental indicators, the financial institution will face credit, legal and reputation risks.
绿色金融的提出与环境风险有关，除了自身的环境指标，金融机构还要面临信贷风险、法律风险及声誉风险。
Green finance is related to environmental risks. In addition to its own environmental indicators, the financial institution will face credit, legal and reputation risks.
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