BANKING RISKS IN FORMING GREEN CREDIT PORTFOLIOS AND STRATEGIES FOR THEIR MANAGEMENT
DOI:
https://doi.org/10.60078/3060-4842-2025-vol2-iss6-pp312-318Abstract
This article examines the key risks faced by banks in forming green credit portfolios and identifies effective strategies for risk management. Drawing on international experience, the study analyzes the nature of credit, climate, transition, technological, operational, market, and greenwashing risks. The findings demonstrate that green loans possess a more complex risk profile compared to traditional lending and require the implementation of environmental taxonomies, energy-efficiency certification, independent audits, and state-supported financing mechanisms. For Uzbekistan, adopting these tools can improve the quality of bank credit portfolios, reduce environmental risks, and accelerate the country’s green economic transition.
Keywords:
green lending banking risks climate risk transition risk greenwashing ESG environmental taxonomy risk management sustainable financeReferences
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