商业银行气候风险管理的国际经验与借鉴  被引量:3

International Experiences and Lessons in Climate Risk Management for Commercial Banks

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作  者:李成青[1] 李沛园 吴京婷 谢洁华[1] LI Chengqing;LI Peiyuan;WU Jingting;XIE Jiehua(Industrial and Commercial Bank of China Guangdong Branch;Guangzhou Second Middle School;Industrial and Commercial Bank of China(Asia))

机构地区:[1]中国工商银行股份有限公司广东省分行 [2]广州市第二中学 [3]中国工商银行(亚洲)有限公司

出  处:《金融经济》2024年第3期83-91,共9页Finance Economy

摘  要:气候变化带来的风险是当前国际国内社会关注的焦点,气候风险会通过产业链和供应链,对企业和经济产生一定程度的影响,进而在金融机构间形成风险传导。为更好地应对气候风险,国家金融监督管理总局于2023年11月发布《商业银行资本管理办法》,将气候风险纳入其他风险评估范围,从政策层面开始重视气候风险管理。为此,本文梳理国际上主要组织的气候风险管理进展及相关措施,总结其风险管理经验,并结合当前国内商业银行面临的气候风险挑战情况,从推动商业银行绿色金融发展战略、构建气候风险管理组织架构、全面了解自身气候风险分布和风险敞口、研发有效的分析工具及压力测试场景、全方位建立气候风险专业数据库等方面,提出气候风险管理措施,以健全商业银行的风险治理体系,确保有力、有序、有效地支持经济社会绿色低碳转型。The risks posed by climate change have become a focal point of concern both internationally and domestically.Climate risks can impact businesses and economies through supply chains and industry chains,thereby transmitting risks among financial institutions and significantly affecting bank operations in the long term.To better address climate risks,the National Financial Supervision Administration issued the"Capital Management Measures for Commercial Banks"in November 2023,incorporating climate risk into the scope of other risk assessments and emphasizing climate risk management from a policy perspective.This paper reviews the progress and related measures of major international organizations in climate risk management,summarizes their risk management experiences,and considers the challenges currently faced by domestic commercial banks.It proposes measures for climate risk management,including further promoting green finance strategies in commercial bank operations,constructing a comprehensive climate risk management organizational structure,thoroughly understanding the distribution and exposure of their own climate risks,developing effective analytical tools and stress testing scenarios,and establishing a comprehensive climate risk professional database.These measures aim to improve the risk governance system of commercial banks and ensure robust,orderly,and effective support for the green and low-carbon transition of the economy and society.

关 键 词:气候风险 风险传导 商业银行 风险评估 风险管理 

分 类 号:F830.4[经济管理—金融学]

 

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