令人难以置信的意义。银行的产品,以及由银行资助的组织的创建程序,实际上都在关注可持续性风险。例如,金融相关产品可能会使低收入买家承担负债风险;银行造成的危险是,他们为农业提供的森林砍伐土地资金中的一部分会引发社会和环境问题,导致全球变暖,剥削劳工权利或其他问题。社会或环境风险可能不一定会在短期内导致金融风险,但对受影响的金融机构和整个金融系统来说,它们很有可能在中长期内造成金融风险。社会和环境事件会增加成本,威胁企业的稳定性,从而增加其违约的可能性。此外,它们可能通过对社会的破坏性或不稳定影响来威胁全球金融稳定。
BANKERS 银行家
Bankers know that in specific situations they can be considered responsible by society. Through the legal system, for the natural wrongs of their borrowers’ to restrain their risks, bankers are starting to consider eco-proficiency in their loaning choices, on the assumption that organizations with an awful ecological performance represent a high finance related hazard. They are starting to comprehend that an organization’s financial soundness depends increasingly in its eco-proficiency. Leading banks have to a great extent moderated their own particular environmental risk exposure, however we propose that bankers now look all the more carefully for chances to give money related product and services that help other people diminish their risks as well. Initially, banks were set up to play out these exercises as a social capacity: help coordinating saving and loaning needs. By giving or denying access to credit, (business) banks assumed an imperative part for the improvement of the genuine economy and for social appropriation. Financial regulation was planned to guarantee that the keeping money part could play out this social capacity in a solid, open and productive way.
银行家们知道,在特定情况下,他们可以被社会视为负责任的人。通过法律体系,为了抑制借款人的风险,银行家们开始在贷款选择中考虑生态能力,他们认为生态表现糟糕的组织代表着高度的金融风险。他们开始明白,一个组织的财务稳健性越来越取决于其生态能力。领先的银行在很大程度上缓和了其特定的环境风险敞口,但我们建议银行家们现在更加谨慎地寻找机会,提供与货币相关的产品和服务,帮助其他人降低风险。最初,银行是作为一种社会能力来开展这些活动的:帮助协调储蓄和贷款需求。通过给予或拒绝获得信贷,(商业)银行承担了改善真正经济和社会拨款的必要部分。金融监管的计划是为了保证保管货币的部分能够以坚实、开放和富有成效的方式发挥这种社会能力。
EXAMPLE– ANZ Environmental Loan: “There is an increasing focus for farmers to ensure that their farming practice is environmentally sustainable. The ANZ Environmental Loan is a low-interest loan considered to help you invest in your environmental systems to improve the environmental sustainability of your farm or meet your local council’s environmental by-laws”.
澳新银行环境贷款示例:“农民越来越关注确保他们的农业实践在环境上可持续。澳新银行环境信贷是一种低息贷款,旨在帮助您投资于环境系统,以提高农场的环境可持续性,或满足当地议会的环境细则”。
INSURERS 保险公司
Today risk management and risk management sit at the focal point of many of our sustainability challenges. Comprehension and managing a wide range of sort of risk is the specific expertise of the insurance sector. Thus, the availability between sustainable issues and the insurance sector is solid and will be progressively valued by more extensive society. Insurance agencies are included in the settlement of a wide range of ecological losses, weather it is man-made or normal. Insurers have extensive know how in risk management and claim dealing with. They have given disaster prevention advice to business associations, overall population and to the general public through expert specialists. They behave like as guardian, by giving monetary help to the society in, return of a nominal amount of premium. Appropriation of innovation and online insurance market decreases the paper works which consequently save the environment. It enhances the way of life of the society through innovative insurance products.
如今,风险管理和风险管理是我们许多可持续性挑战的焦点。理解和管理各种各样的风险是保险业的专业知识。因此,可持续问题和保险部门之间的可用性是稳固的,并将逐渐受到更广泛的社会的重视。保险机构被纳入理赔范围广泛的生态损失,无论是人为的还是正常的。保险公司在风险管理和索赔处理方面有着广泛的专业知识。他们通过专家向商业协会、全体民众和公众提供了防灾建议。他们的行为就像是监护人,通过向社会提供金钱帮助,以换取象征性的保费。创新和在线保险市场的占用减少了论文的工作量,从而节约了环境。它通过创新的保险产品改善了社会的生活方式。
Insurers have as of now experienced direct financial damage from environmental problems. Claims against general risk arrangements for harms from asbestos exposure and dangerous waste dumping in the United States are evaluated to cost the insurance business $2 trillion. Presently insurers are stressed over the likelihood of environmental change and how this could, later on, harm their business. Some in the business contend that back up plans ought to perceive that their entomb business. Some i