n the business contend that insurers must recognize that their advantage is not quite the same as the individuals who offer carbon fuel.
到目前为止，保险公司已经经历了环境问题带来的直接经济损失。根据评估，针对美国石棉暴露和危险废物倾倒危害的一般风险安排的索赔将使保险业务损失2万亿美元。目前，保险公司担心环境变化的可能性，以及这可能会在以后损害他们的业务。一些业内人士认为，备份计划应该意识到他们的业务。一些业内人士认为，保险公司必须认识到，他们的优势与提供碳燃料的个人并不完全相同。
INVESTORS 投资者
Now a day investors are less keen on environment than bankers. With the disappointment of investment community organizations have turned out to be frustrated and neglect to perceive the environmental investment they have made. As Growing interest of individual financial specialists prompted dynamic ecological investment fund. The potential market for green item with no cost or quality premium is probably going to be considerable. In light of indifference of contributing foundations a few investors have sought after shareholder activism and take their worries specifically to substantial organizations. This has begun impacting the segment. Fund managers and venture banks are being focused by ecological NGO over their investment and association with environmentally damaging organizations. Ecological issues are considered important by much association in investment sector and making peer weight for change.
如今，投资者对环境的关注度不如银行家。随着投资的失望，社区组织变得沮丧，忽视了他们所做的环境投资。随着个人金融专家兴趣的增长，生态投资基金应运而生。没有成本或质量溢价的绿色产品的潜在市场可能会相当可观。鉴于捐款基金会的漠不关心，一些投资者寻求股东的积极性，并将他们的担忧专门归咎于大型组织。这已经开始影响细分市场。生态非政府组织正在关注基金经理和风险银行的投资以及与破坏环境的组织的联系。生态问题被投资部门的许多协会认为是重要的，并为变革提供了同行的支持。
EVALUATE AND ASSESS ESG ISSUES FOR A HOLOISTIC INVESTMENT STRATEGY AND DECISION-MAKINGPROCESS 为一个完整的投资策略和决策过程评估ESG问题
A common motivation for incorporating ESG into the investment procedure is to effectively oversee key elements that are accepted to be important drivers of risk and returns. In this unique circumstance, ESG factors can be utilized to choose bettera€managed organizations that can moderate risks and endeavor openings coming from the key ecological and social issues. For example:
将ESG纳入投资程序的一个共同动机是有效监督被认为是风险和回报重要驱动因素的关键要素。在这种独特的情况下，ESG因素可以用来选择管理得更好的组织，这些组织可以缓和风险，并努力解决关键的生态和社会问题。例如：
ENVIRONMENT 环境
Climate change represents various dangers to investments around the world. With the Intergovernmental Panel on Climate Change (IPCC) keeping on displaying the effects of an global warming, investments extending from infrastructure to agriculture could be undermined and at last lost. Accordingly, fossil-fuel-subordinate industries have turned out to be less appealing to investors while renewable energy and sustainable technologies are in expanding demand. Then again, dangers to investments emerging from environmental change are additionally making new open doors for investments. With expanding improvement in developing business sector economies, new markets are being made with circumstances including renewable energies, flood defense and sustainable transport planning.
气候变化对世界各地的投资构成了各种危险。随着政府间气候变化专门委员会（IPCC）不断展示全球变暖的影响，从基础设施到农业的投资可能会受到破坏，最终失去。因此，化石燃料附属行业对投资者的吸引力降低，而可再生能源和可持续技术的需求正在扩大。再说一遍，环境变化给投资带来的危险也为投资打开了新的大门。随着发展中的商业部门经济的不断改善，包括可再生能源、防洪和可持续交通规划在内的新市场正在形成。
SOCIAL 社会
Investments in projects and organizations have impacts on individuals’ lives, specifically in the creating scene where weakness to any progressions is frequently more noteworthy. The social impact of these investments has turned into a huge, if not prevailing, point inside ESG. Related issues incorporate the provincial economic advantage of interest in new projects, enhanced social portability related with expanded employment, or negative effect issues, for example, forced resettlement, monetary dislodging inside groups or effects on health or crime. For instance, conflict minerals are a solid theme zone in ESG. With the mining of tin, tungsten, tantalum and gold in a few ranges of the world being related with funding civil wars, domestic abuse and unfair working conditions, there is weight for investees and investors to show that item segments have not been sourced from struggle related mines. Mining and oil and gas orga
