对银行气候风险的监督和管理:从欧洲从业者的角度概述

IF 5.5 Q1 BUSINESS, FINANCE
Green Finance Pub Date : 2022-01-01 DOI:10.3934/gf.2022014
Patrick J. Hess
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引用次数: 0

摘要

气候变化是我们这个时代最紧迫的问题之一,在向更绿色、环境更可持续的经济和金融体系过渡的过程中,银行及其监管机构发挥着关键作用。通过在融资和投资决策中优先考虑气候友好型借款人和绿色资产,银行对经济行为体和金融市场参与者具有巨大的影响力,从而可以帮助向绿色经济过渡。与此同时,银行必须评估和管理气候变化带来的物理和转型风险,这些风险通过各种传导渠道影响客户,从而影响银行本身。这一风险维度是本文的重点。基于欧元区的视角,它主要从实践的角度回答了银行的自愿行动是否足够,或者是否需要额外的监管要求和相应的监督审查来应对气候和环境风险。此外,本文还评估了此类监管要求通常应该是定性的还是定量的,以及监管机构未来修订规则手册以允许监管机构对银行针对气候相关风险施加直接资本要求的可能性。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
The supervision and regulation of climate risks for banks: overview from the perspective of a European practitioner
Climate change is one of the most pressing issues of our time, and in the transition to a greener and more environmentally sustainable economy and financial system, banks and their supervisors and regulators play a key role. By giving preference to climate-friendly borrowers and green assets in their financing and investment decisions, banks have a huge leverage over economic actors and financial market participants, and thus can help the transition to a greener economy. At the same time, banks must assess and manage the physical and transition risks that emanate from climate change and impact their clients via various transmission channels, thereby affecting the banks themselves. This risk dimension is the focus of this paper. Based on the euro area perspective it answers from a mainly practical perspective the question whether voluntary action by banks is sufficient, or whether additional regulatory requirements and respective supervisory scrutiny are necessary to cope with climate and environmental risks. Furthermore, the paper assesses whether such regulatory requirements should generally be of a qualitative, or also of a quantitative nature, and also the likelihood that regulators will going forward amend the rulebook to allow supervisors to impose direct capital requirements on banks for climate-related risks.
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来源期刊
Green Finance
Green Finance Multiple-
CiteScore
9.60
自引率
3.50%
发文量
14
审稿时长
6 weeks
期刊介绍: Green Finance is an international, interdisciplinary Open Access journal dedicated to green finance, environmental, and sustainability research and practice. It offers a platform for publishing original contributions and technical reviews on green finance and related topics, following a rigorous peer-review process. Accepted article types include original research, reviews, editorials, letters, and conference reports.
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