تقييم اقتصادي و بيئي للدور التمويلي لمشروعات التحكم في التلوث الصناعي في شركة النصر للأسمدة و الصناعات الكيماوية (سمادكو)‎

Abstract EN

The study aimed to highlight the role of credit policies in preserving the environment and developing society by reducing industrial pollution, as the study aimed to stimulate or encourage industrial companies through grants and credit facilitation of environmentally compatible industries, as well as highlighting the competitive advantage of industrial companies to avoid industrial costs and environmental burdens resulting from (Fines - Violations - Compensations) resulting from pollution of the environment to use cleaner production methods and their concern to protect the environment and the high rate of return on the company's investments as a result of avoiding those costs, as the researchers explained the strength of the facilitating financing role of banks as it was found to have a positive correlation with increasing the size of projects and mitigating The burden of pollution of all kinds, and hence the increase in the local product, which has a positive effect on economic growth and the national product.

The deductive and inductive method was used, which includes the descriptive and quantitative approach.

The data of the targeted companies was used in the study sample, and a questionnaire was designed to collect data that achieves the goals of the study, and the sample size reached (150) single.

Results of the research indicate the importance of the bank adopting the priorities set by the state in development plans Economic and public compatibility, including considerations to protect the environment from pollution and protect society from moral deviations in not lending to any projects that threaten the community, and to evaluate and choose the main industrial sectors that benefit from high environmental capabilities to give them credit facilities and that the volume of financing provided by local banks for environmentally compatible industrial projects It is still low compared to economic projects.

The losses incurred by the financial systems of the economies of countries due to their exposure to environmental risks.

The research recommends the necessity of incorporating environmental standards into the strategies and policies of lending to banks, including the classification of projects that are funded according to the degree of environmental risk resulting from the project's practice of its activities in society, so that the link between the degree of environmental risk of the project and the credit decision granted to it.

Establishing environmental management within each industrial company to follow the permissible standards and limits to reduce pollution or work to prevent pollution in the future, and to avoid a specific environmental risk by refusing to deal with the customer or the activity that creates the risk or the project polluting the environment, such as the bank's refusal to finance a specific project because it pollutes the vital environment Surrounding the factory.

The study also concluded that the European Union stressed the application of environmental quality standards to its import from Egypt, as stipulated by modern trends in the requirements and standards of environmental quality standards to which consumers are now responding at increasing rates, which affects a large percentage of Egyptian industrial exports.