气候变化引起的金融风险与防范

Financial Risks Caused by Climate Change and Prevention

气候变化已经严重威胁到生态系统、人类生命、经济和社会的可持续发展。全球每年因气候逐渐变暖导致的森林火灾、旱灾、洪水、飓风、热浪、极寒等极端天气事件频频发生,并由此给经济和金融带来巨大的风险。投资者和金融行业开始意识到气候变化已经成为决定企业远期前景的重要因素,大量资本开始以气候变化作为投资战略的核心考虑进行重新配置。本文分析了气候变化引发的主要金融风险,建议气候金融是发展低碳经济应对气候变化的金融解决方案,改善气候环境的投融资项目需要政府采取扶持激励措施;银行必须密切关注环境与气候风险对其信贷资产质量和业务运营的影响,制定应对气候风险的长期发展战略,科学评估并按照战略要求重新配置信贷资源;构建ESC评估和投资体系等。

Climate change has become one of the greatest threats to the sustainable development of human society in the 21 st century.In recent years,the frequency and intensity of extreme weather events caused by global warming have greatly increased,such as drought,forest fires,heat waves,hurricanes,floods,extreme cold,etc.,and the resulting risks will have a profound impact on the global economic and financial system.People’s awareness is changing rapidly,and climate change is becoming a decisive factor in the long-term prospects of enterprises.The financial industry is also on the verge of reshaping.A large amount of capital will be reallocated faster than most people expected.Climate change will be the core of investment strategy.Therefore,it is an important task for us to study the huge impact of climate change on the financial field and take effective measures to prevent climate financial risks.