许寅硕编写的《澳大利亚商业银行环境风险管理研究(英文版)》详细调查并分析了澳大利亚三家主要商业银行(澳新银行、国民银行以及西太平洋银行)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。

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 integrate

environmental risks into their lending businesses

1.1.5 Associations between environmental risks and bank

loan 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 facing

banks in lending

 2.3 Environmental Initiatives of Banks

2.3.1 United Nations Environment Programme Finance

Initiative ( 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 from

multilateral development banks

2.6.2 Environmental covenants for loans from

commercial 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 the

cost 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 throughout

this 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 Australian

Banks' Corporate Lending

5.6.1 Environmental sustainability transformation of banks'

corporate lending

5.6.2 Major Australian banks in the environmental sustainability

transformation 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 credit

processes

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