Zonse zokhudza green finance

Polimbana ndi vuto la nyengo, kulimbikitsa zachuma ndikofunikira kupereka ndalama zosinthira zachilengedwe. Ndalama zobiriwira zimakhala ndi kuwongolera kayendetsedwe kazachuma kuzinthu zachilengedwe komanso zothandiza anthu. Zimapangitsa kuti chuma chiwonongeke popanga ndalama zambiri mu mphamvu zongowonjezedwanso, kukonzanso matenthedwe, mayendedwe abwino ndi magawo onse ofunikira pakusintha.

Komabe, gawo lazachuma chobiriwira likadali locheperako pamlingo wapadziko lonse lapansi. Iye Chitukuko chofulumira ndichofunikira kuyembekezera kukwaniritsa kusalowerera ndale kwa carbon ndikulemekeza Pangano la Paris. Ntchito yaikuluyi ikufuna kuzindikira ndi kulimbikitsa onse omwe ali nawo pazachuma.

M'nkhaniyi, fufuzani zonse zomwe muyenera kudziwa zokhudza ndalama zobiriwira, zovuta zake komanso zofunikira kuti zikhazikitse pamlingo waukulu. Koma tisanayambe, apa pali momwe mungakhalire bizinesi yopambana.

📍 Kodi green Finance ndi chiyani?

green Finance, imatchedwanso ndalama zokhazikika kapena ndalama zodalirika, imakhala ndi kuwongolera kayendetsedwe kazachuma kumapulojekiti ndi makampani omwe amathandizira pakusintha kwachilengedwe ndi mphamvu.

Concrete, green Finance imafuna:

• Chepetsani kutulutsa mpweya greenhouse effect, makamaka kudzera mu ndalama zongowonjezera mphamvu, kukonzanso matenthedwe, kuyenda kofewa ndi ulimi wokhazikika.
• Kuteteza zachilengedwe zosiyanasiyana, popereka ndalama zothandizira kuteteza zachilengedwe
• Kulimbana ndi kuipitsidwa kwamitundu yonse (mpweya, madzi, nthaka)
• Konzani kasamalidwe zachilengedwe, kudzera mu chuma chozungulira mwachitsanzo
• Thandizani magawo kuti azolowere kusintha kwa nyengo
• Limbikitsani kupirira kusunga ndalama poyang'anizana ndi zoopsa za chilengedwe.

Green finance imagwiritsa ntchito njira zosiyanasiyana pa izi: mabizinesi okhazikika, ma bond obiriwira, ngongole za green subsidized, inshuwaransi yanyengo, malipoti owonjezera pazachuma, ndi zina zambiri. Osewera ake ndi angapo: osunga ndalama, mabanki, ma inshuwaransi, mayiko, ndi zina zambiri. Mlangizi wa Zachuma adzakuuzani bwino.

📍 Chifukwa chiyani kuli kofunikira?

Ndalama zobiriwira ndizofunikira kuti muyankhe ngozi zachilengedwe ndi nyengo. Malinga ndi IPCC, kutentha kwa dziko kuyenera kukhala + 1,5 ° C pofika 2100 kuti kupewe mavuto aakulu.🌡️

Kuti izi zitheke, ndikofunikira kwambiri ndipo mwamsanga kuchepetsa Kutulutsa kwa CO2 m'magawo onse. Izi zimafuna kusintha kwakukulu kwa njira zathu zopangira ndi kugwiritsa ntchito.

Komabe, kusinthaku kumafuna ndalama zambiri, za dongosolo la ma thililiyoni angapo a euro. Ndalama zobiriwira zimapangitsa kuti zitheke kulimbikitsa likululi kuti lipereke ndalama zothandizira kuwononga chuma. 🌱

Popanda kukonzanso kayendetsedwe kazachuma, kudzakhala kosatheka kukwaniritsa zolinga zanyengo zomwe zakhazikitsidwa ndi Pangano la Paris. Choncho chuma chili ndi udindo waukulu kufulumizitsa kusintha kwa chilengedwe. Ili ndi makiyi ena a tsogolo lokhazikika.

👥 Kodi osewera pazachuma zobiriwira ndi ndani?

Osewera ambiri azachuma akutenga nawo gawo pakupanga ndalama zobiriwira:

Mabanki, kudzera mu ngongole zobiriwira kwa mabizinesi ndi anthu pawokha pazantchito zokhazikika. Oyang'anira katundu ndi ndalamas makampani osungira ndalama, omwe amagawira gawo lazinthu zawo kumakampani omwe ali ndi udindo kapena ntchito zobiriwira.

Ogulitsa mabungwe monga ndalama zapenshoni kapena makampani a inshuwaransi, omwe akudzipereka kwambiri ku njira zogulitsira za ESG.

Mabungwe owerengera zopanda ndalama, zomwe zimayesa momwe ESG imagwirira ntchito makampani. Mayiko, omwe amatsatira malamulo olimbikitsa ogwira ntchito zachuma kuti aphatikize kuopsa kwa nyengo muzosankha zawo.

Owongolera zachuma, zomwe zimatanthauzira momveka bwino miyezo ndi maudindo malinga ndi ndalama zokhazikika. Mabanki apakatis, zomwe zitha kubweza ngongole zobiriwira kapena kusapatula zinthu zina zoipitsa pamapulogalamu awo.

makontrakitala, oyambitsa ndi ma SME omwe amapereka zatsopano zokhazikika ndi mayankho kuti azilipidwa. THEma NGO ndi mabungwe, zomwe zimalimbikitsa kuzindikira ndi kulimbikitsa machitidwe abwino. Kusinthaku kumafuna kulimbikitsana kogwirizana kwa onsewa.

📍 Ndi madera ati omwe amayang'aniridwa ndi ndalama zobiriwira

Ndalama zobiriwira kapena ndalama zokhazikika zimayang'anira kuwongolera ndalama ndi ntchito zachuma kumapulojekiti ndi mabizinesi omwe amalemekeza chilengedwe ndi chitukuko chokhazikika. Nawa madera akuluakulu omwe akukhudzidwa ndi Green Finance:

1. Mphamvu zongowonjezedwanso

Munda wa mphamvu zongowonjezedwanso uli pamtima pazachuma chobiriwira. Cholinga chake ndi kupereka ndalama zothandizira kutumizidwa kwa magetsi abwino kuti alowe m'malo mwamafuta otulutsa mpweya. mpweya wowonjezera kutentha.

Chinthu chachikulu ndikupereka ndalama kwa minda yayikulu yammphepo yam'mphepete mwa nyanja ndi mphepete mwa nyanja komanso ma photovoltaic akuluakulu kapena magetsi oyendera dzuwa. Ntchito zazikuluzikuluzi zimafuna ndalama zambiri zomwe ndalama zokhazikika zimafuna kusonkhanitsa kuchokera ku mabungwe aboma, ndalama zobiriwira kapena osunga ndalama.

Koma mabizinesi amakhudzanso kukhazikitsa ang'onoang'ono: minda yamphepo ya nzika, malo opangira magetsi adzuwa pamwamba padenga, magawo ang'onoang'ono opangira mphamvu zaulimi, makina opangira mphamvu zamagetsi ang'onoang'ono, ndi zina zambiri. Cholinga ndikulimbikitsa kusakanikirana kwa mphamvu zobiriwira ndi kugawa.

Thandizo limakhudzanso matekinoloje omwe akubwera monga mphamvu ya geothermal yamagetsi ndi kutenthetsa, kapena mafuta am'badwo watsopano kuchokera ku biomass. Chigawo china chofunikira ndikuyika makina osungira magetsi obiriwira (mabatire, malo otumizira mphamvu zamagetsi, kupanga ndi kusunga haidrojeni, ndi zina).

2. Kugwiritsa ntchito mphamvu zamagetsi

Pamodzi ndi chitukuko cha mphamvu zoyera, ndalama zobiriwira zimayang'ana njira zochepetsera mphamvu zathu zonse pogwiritsa ntchito mphamvu zamagetsi.

M'makampani olemera (zitsulo, simenti, mankhwala, kupanga mapepala, ndi zina zotero), ndalama zazikulu ndizofunikira kuti zipititse patsogolo njira zopangira ndikuwapangitsa kuti azikhala ochepa mphamvu. Izi zingaphatikizepo zida zatsopano, zogwira mtima kwambiri, machitidwe obwezeretsa kutentha kapenanso kuyika magetsi pamakina.

Ntchito yomanga nyumba zogona komanso nyumba zapamwamba ndiyonso cholinga chachikulu chandalama zoyendetsera ntchito zazikulu zokonzanso mphamvu. Izi zimaphatikizapo kutenthetsa kwamphamvu kwamafuta, kusinthira makina otenthetsera okalamba / zowongolera mpweya, kukhazikitsa zida zogwiritsa ntchito mphamvu (LED, kalasi A +++ zipangizo zapakhomo, etc... ndi kutumizidwa kwa njira zoyendetsera mphamvu zanzeru (ma grids anzeru).

Kusuntha ndi gawo lina lofunikira, lomwe lili ndi ndalama zopangira magalimoto osakanizidwa amagetsi ndi mapulagi, kupititsa patsogolo zoyendera za anthu onse, kukhathamiritsa zoyendera kuti muchepetse mpweya, komanso kulimbikitsa kuyenda mofewa. Kuyesetsa kukuchitikanso pakupanga mapangidwe agalimoto kuti azipepuka komanso kuti aziyenda kwambiri.

Pomaliza, ndalama zimafuna kukulitsa mphamvu zamagetsi m'magawo ena azachuma popereka ndalama zowerengera, maphunziro, kafukufuku & chitukuko, ziphaso, ndi zina zambiri.

3. Kasamalidwe kokhazikika ka zinthu zachilengedwe

Kupitilira pakusintha kwamphamvu, ndalama zobiriwira zimafuna kusunga zachilengedwe ndikukwaniritsa zosowa za anthu komanso zachuma.

Mu gawo laulimi, ndalama zimaperekedwa ku chitukuko cha machitidwe okhazikika. Izi zingaphatikizepo ndalama zosinthira kukhala ulimi wa organic, agroforestry, agroecology, permaculture mbewu kapenanso kuchepetsa kugwiritsa ntchito mankhwala. Mgwirizano wina ndi kusungitsa nkhalango zomwe zilipo kale ndi kubzalanso nkhalango kudzera m'mapulogalamu odalirika komanso okhazikika a nkhalango ndi kudula mitengo.

Mbali ina ya ndalamazo imaperekedwa pachitetezo ndi kubwezeretsa zachilengedwe, madambo ndi mitundu yosiyanasiyana yazachilengedwe kuti zisungidwe bwino kwambiri pazachilengedwe padziko lapansi. Sustainable Finance imathandiziranso njira zophatikizira komanso zomveka zoyendetsera madzi opanda mchere komanso madera am'mphepete mwa nyanja.

Koma vuto lalikulu lili pakupanga njira yozungulira yazachuma yomwe cholinga chake ndi kuchepetsa, kugwiritsanso ntchito, kukonza ndi kubwezeretsanso. chuma ndi kuwononga. Tiyenera kupereka ndalama zambiri zoyendetsera zinyalala zamakono, kufalitsa, kubwezeretsanso, kukonzanso zinthu komanso magawo azachuma ozungulira m'magawo onse antchito.

4. Kuyenda koyera

Transport ndi imodzi mwamagawo omwe amatulutsa mpweya wowonjezera kutentha. Kusintha kwa kuyeretsa, kuyenda kwa mpweya wocheperako ndikofunikira kwambiri pazachuma zobiriwira.

Gawo lalikulu lazachuma limalunjikitsidwa pakutumiza kwakukulu kwa magalimoto amagetsi komanso kumanga zida zolipirira zomwe zimagwirizana (ma terminal, ma grid anzeru). Kuphatikiza pa magalimoto amagetsi ndi ma vani, ndalama zimaphatikizanso mabasi ndi magalimoto onyamula katundu olemetsa omwe akuyenda pamagetsi kapena kugwiritsa ntchito injini zina zoyera (hydrogen, etc.).

Kukula kwa mayendedwe apagulu ndi nkhani yandalama zazikulu zopatsa nzika njira zina zogwiritsira ntchito magalimoto apagulu: mizere yatsopano ya metro, ma tramu, mabasi oyera, masitima apamtunda, ndi zina zambiri. M'madera akumidzi, njira zofewa komanso zatsopano zoyendetsera ntchito ziyenera kulipidwa.

Pankhani yonyamula katundu, kukhathamiritsa kwa kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka kayendetsedwe ka anthu. Ndalama zobiriwira zimalimbikitsanso kusinthika kwa zombo komanso kukhazikitsidwa kwa matekinoloje obiriwira (LNG, ma biofuel okhazikika, haidrojeni, ndi zina).

Pomaliza, kuyenda "atsopano” zolimba komanso zowononga mpweya siziyenera kuthetsedwa ndi ndalama zoyendetsera njinga zamagalimoto, madera oyenda pansi, kugawana magalimoto ndi ntchito zophatikizira magalimoto, ndi zina.

5. Izomangamanga zobiriwira

Green Finance imalowereranso pakuthandizira ndalama zothandizira zachilengedwe kuti zikonzekeretse mizinda ndi madera kuti athane ndi zovuta zachitukuko chokhazikika.

Cholinga chachikulu ndikumanga ndi kukonzanso nyumba zotsimikiziridwa "zapamwamba kwambiri zachilengedwe" (LEED, BREAM, HQE, etc.). Izi zitha kuphatikizira nyumba zomwe sizikhala ndi mpweya wa carbon kudzera m'zinthu zochokera ku bio, kapangidwe ka bioclimatic, kugwiritsa ntchito mphamvu zochepa komanso kupanga mphamvu pamalopo.

Madzi akumwa a m'matauni komanso maukonde a ukhondo amakhudzidwanso ndi ndalama zomwe zimawapangitsa kukhala ogwira mtima, otetezeka komanso okhazikika. Green finance ndindalama zomangira malo oyeretsera madzi otsogola kwambiri, malo oyeretsera zinyalala osawononga chilengedwe komanso malo ochotsa mchere. Zimapangitsanso kuti zikhale zotheka kusonkhanitsa madzi onyansa ndi njira zoyendetsera madzi amvula.

Kuwongolera bwino kwa zinyalala zam'matauni ndi gawo lina lofunika kwambiri pakupereka ndalama kwa zomangamanga zomwe zimayang'anira kusanja, kukonzanso, kuwunikanso ndi kukonza zotsalira zomaliza. Ndalama zobiriwira zimakankhiranso mizinda kuti ipange malo obiriwira, makonde obiriwira, ulimi wamatauni komanso kusinthika kuti alimbikitse zamoyo zosiyanasiyana.

Nkhani yoti muwerenge: Pourquoi kuchita bizinesi mkatit?

🏁 Kutseka

Kusonkhanitsa ndalama zothandizira nyengo ndi zachilengedwe ndizofunikira kwambiri kuti zinthu zitheke bwino pakusintha kwachilengedwe. Ndalama zobiriwira zimakhala ndi kuthekera kwakukulu kochepetsetsa chuma ngati chikukula pamlingo waukulu. Zitha kukhala dalaivala wotsimikiza wa kusintha kwachitsanzo chokhazikika.

Mavuto ndi aakulu, koma mwayi ndi wochuluka. Nthawi idakalipo yochitapo kanthu! ⏱️ Mayankho alipo, ngati mutawayika chuma chobiriwira pamtima pa zinthu zofunika kwambiri. Ma levers ambiri amapezeka kwa mabizinesi, mayiko ndi nzika kuti apititse patsogolo chitukuko chofunikirachi.

Tsogolo la dziko lapansili lili m’manja mwathu. Kusonkhanitsa kuyenera kukhala kokwanira kuti tithane ndi vuto lalikulu la kusintha kwachilengedwe. Green Finance tsiku ndi mbiri ! Koma ndisanakusiyeni, ndi chiyani a palibe cheke poyambira, ndi chiyani a chuma chomangira?

FAQ - Chilichonse chomwe muyenera kudziwa pazachuma chobiriwira

Green Finance ndi chiyani?

Ndalama zobiriwira zimaphatikizapo kuphatikiza njira za chilengedwe, chikhalidwe ndi utsogoleri (ESG) muzosankha zamalonda ndi zochitika zamagulu azachuma. Cholinga chake ndikuwongolera kayendetsedwe kazachuma kuzinthu ndi mapulojekiti otetezedwa ndi chilengedwe komanso chikhalidwe cha anthu.

Kodi zida za green finance ndi ziti?

Zida zazikulu ndi:

• Ndalama zobiriwira: ndalama zogulira zomwe zimagwira ntchito zobiriwira (magawo kapena ma bond amakampani omwe amathandizira kusintha kwachilengedwe).
• Green Bonds: ma bond omwe amaperekedwa kuti azipereka ndalama zama projekiti okhala ndi zopindulitsa zachilengedwe.
• Ngongole zobiriwira: ngongole zamabanki zolipirira ma projekiti okhazikika kapena katundu.
• Impact Investment: mabizinesi omwe amayang'ana m'makampani/ma projekiti omwe ali ndi vuto lalikulu pagulu kapena chilengedwe.

Kodi osewera mu green Finance ndi ndani?

Osewera onse azachuma akukhudzidwa: mabanki, makampani a inshuwaransi, makampani oyang'anira katundu, osunga ndalama m'mabungwe. Makampani akuperekanso ma bond ochulukirapo kuti athandizire pakusintha kwawo kwachilengedwe.

Kodi ubwino wa green finance ndi chiyani?

Kwa osunga ndalama, ndikuwongolera kuopsa kwanyengo ndikuwongolera kulimba kwa ma portfolio. Kwa makampani omwe ali ndi ndalama, izi zimathandiza kufulumizitsa kusintha kwawo kwa mpweya wochepa. Pamlingo waukulu, izi zimathandiza kuchepetsa kutentha kwa dziko potumizanso ndalama.

Kodi malire apano ndi otani?

Khama akadali kofunika kupewa greenwashing ndi kuonetsetsa zotsatira zenizeni za zinthu zachuma zotchedwa "zobiriwira". Gawo lazachuma lomwe likugwirizana ndi Pangano la Paris likadali locheperako.

Kodi kulimbikitsa wobiriwira ndalama?

Popanga zilembo zofunikira, kuwonekera kwa omwe akukhudzidwa ndi malipoti amphamvu a ESG, ndi malamulo omangirira kuti aziwongolera ndalama kuzinthu zokhala ndi mpweya wochepa komanso zokhazikika.