Konke malunga nemali eluhlaza

Ujongene nemeko kaxakeka yemozulu, ukugaya imali kubalulekile ukuxhasa ngezimali utshintsho lwendalo. Imali yohlaza ibandakanya ukuqukuqela kwemali ekhokelela kwimisebenzi egcinakeleyo yokusingqongileyo nentlalontle. Kwenza kube lula ukuphelisa ikhabhoni kuqoqosho ngokutyala imali eninzi kumandla ahlaziyekayo, ukulungiswa kobushushu, uthutho olucocekileyo kunye nawo onke amacandelo aphambili enguqu.

Nangona kunjalo, isabelo sezemali eziluhlaza sihlala sinomda kwinqanaba lehlabathi. Yena uphuhliso olukhawulezileyo lubalulekile ukuba nethemba lokufezekisa ukungathathi hlangothi kwekhabhoni kunye nokuhlonipha iSivumelwano saseParis. Owona msebenzi mkhulu ufuna ulwazi kunye nokuhlanganiswa kwabo bonke abadlali bezemali.

Kweli nqaku, fumana yonke into ekufuneka uyazi malunga nezimali eziluhlaza, imiba yayo ebalulekileyo kunye nezixhobo zokuyiphuhlisa kwinqanaba elikhulu. Kodwa ngaphambi kokuba siqale, nantsi indlela yokuba ngusomashishini ophumeleleyo.

📍 Yintoni imali eluhlaza?

imali eluhlaza, ikwabizwa ngokuba yimali ezinzileyo okanye imali enoxanduva, ibandakanya ukuhamba kwemali ekhokelela kwiiprojekthi kunye neenkampani ezinikela ngokufanelekileyo kwinguqu yendalo kunye namandla.

Ngokwenyani, imali eluhlaza ifuna:

• Ukunciphisa ukukhutshwa kwegesi impembelelo yegreenhouse, ingakumbi ngenkxaso-mali yamandla ahlaziyekayo, ukulungiswa kobushushu, ukushukumiseka okuthambileyo kunye nezolimo oluzinzileyo.
• Ukugcina izinto eziphilayo ezahlukeneyo, ngokuxhasa ngemali ukukhuselwa kwendalo
• Ukulwa nongcoliseko ngazo zonke iindlela zalo (umoya, amanzi, umhlaba)
• Lungiselela ulawulo izibonelelo zendalo, ngokusebenzisa uqoqosho lwesetyhula umzekelo
• Nceda intsimi ukuziqhelanisa nokutshintsha kwemozulu
• Phucula ukomelela ukonga xa kujongwe imingcipheko yokusingqongileyo.

I-Green finance isebenzisa iilevers ezahlukeneyo koku: utyalo-mali oluzinzileyo, iibhondi eziluhlaza, iimali-mboleko ezixhaswa ngemali eluhlaza, i-inshurensi yemozulu, ingxelo eyongezelelekileyo yemali, njl. njl. Umcebisi wezezimali uya kukuxelela ngcono.

📍 Kutheni ibalulekile nje?

Imali eluhlaza ibalulekile ukuhlangabezana nayo unxunguphalo lwendalo kunye nemozulu. Ngokutsho kwe-IPCC, ukufudumala kwehlabathi kufuneka kuthintelwe +1,5 °C ngo-2100 ukuze kuthintelwe iziphumo ezibi.🌡️

Ukufezekisa oku, kunyanzelekile ukuba ngokukhawuleza kwaye ngokukhawuleza ukunciphisa Ukukhutshwa kweCO2 kuwo onke amacandelo. Oku kufuna inguqu enzulu yeendlela zethu zokuvelisa kunye nokusetyenziswa.

Nangona kunjalo, olu tshintsho lufuna utyalo-mali olukhulu, lomyalelo weetriliyoni zeeyuro ezininzi. Izimali zohlaza zenza ukuba kwenzeke ukudibanisa le nkunzi ukuze kuxhaswe imali yokuchithwa kwekhabhoni kuqoqosho. 🌱

Ngaphandle koku kuhlengahlengiswa kokuhamba kwemali, kuya kuba nzima kakhulu ukuhlangabezana neenjongo zemozulu ezibekwe siSivumelwano saseParis. Ezemali ke ngoko inendima ephambili ekufuneka idlale kuyo ukukhawulezisa inguqu kwi-ikholoji. Iphethe ezinye zezitshixo zekamva elizinzileyo.

👥 Ngoobani abadlali abakwimali eluhlaza?

Uninzi lwabadlali bezemali babandakanyeka kuphuhliso lwemali eluhlaza:

Iibhanki, ngeemali-mboleko eziluhlaza kumashishini nakubantu ngabanye kwiiprojekthi ezizinzileyo. Abaphathi bempahla kunye nengxowa-malis iinkampani zotyalo-mali, ezabela inxalenye yeepotfoliyo zabo kwiinkampani ezinoxanduva okanye iiprojekthi eziluhlaza.

Abatyali-zimali bamaziko ezifana neengxowa-mali zomhlalaphantsi okanye iinkampani ze-inshorensi, ezizibophelele ngakumbi kwizicwangciso zotyalo-mali zeESG.

Ii-arhente zokukala imali eyongezelelweyo, evavanya ukusebenza kweESG kweenkampani. Amazwe, eyamkela imigaqo yokukhuthaza abathathi-mali ukuba badibanise umngcipheko wemozulu kwizigqibo zabo.

Abalawuli bezemali, echaza imigangatho kunye nezibophelelo ezingafihlisiyo ngokwemali ezinzileyo. Iibhanki ezikumbindis, ezinokuthi zihlawule ngokutsha iimali-mboleko eziluhlaza okanye zingabandakanyi ii-asethi ezithile ezingcolisayo kwiinkqubo zabo.

iikontraka, uqalo kunye nee-SME ezibonelela ngezinto ezintsha ezizinzileyo kunye nezisombululo ekufuneka zixhaswe ngemali. THEIiNGO kunye nemibutho, eziphakamisa ulwazi kunye nokukhuthaza izenzo ezilungileyo. Utshintsho lufuna ukuhlanganiswa okuququzelelweyo kwabo bonke aba badlali.

📍 Ziziphi iindawo ezijoliswe yimali eluhlaza

Inkxaso-mali yohlaza okanye imali ezinzileyo ijolise ekukhokeleni utyalo-mali kunye nemisebenzi yezemali kwiiprojekthi nakumashishini ahlonipha okusingqongileyo kunye nophuhliso oluzinzileyo. Nazi iindawo eziphambili ekujoliswe kuzo yimali eluhlaza:

1. Amandla ahlaziyekayo

Intsimi yamandla ahlaziyekayo isembindini wemali eluhlaza. Ijonge ukuxhasa ngemali ukusasazwa okukhulu kwemithombo yamandla acocekileyo ukuze ithathe indawo yamafutha efosili akhupha ikhabhoni. igesi eluhlaza.

Umba ophambili kukuxhaswa ngezimali kweefama ezinkulu zomoya eziselunxwemeni nakwi-offshore wind kunye ne-photovoltaic enkulu okanye iplanti yombane welanga. Ezi projekthi zikhulu zifuna utyalo-mali olukhulu olufuna ukuxhaswa ngemali ezinzileyo kumaziko karhulumente, iingxowa-mali zohlaza okanye abatyali-zimali babucala.

Kodwa utyalo-mali lukwachaphazela nofakelo oluncinci: iifama zomoya zabemi, oomatshini bombane belanga eluphahleni, iiyunithi ezincinci zemethanization yezolimo, oomatshini bombane abancinci behydraulic, njl.

Inkxaso-mali ikwabandakanya ubugcisa obuvelayo obufana namandla e-geothermal kumbane kunye nokufudumeza, okanye isizukulwana esitsha se-biofuels esivela kwi-biomass. Enye indawo ephambili kukuthunyelwa kweenkqubo zokugcina umbane oluhlaza okwethutyana (iibhetri, izitishi zokuhambisa amandla omoya ocinezelweyo, ukuveliswa kwe-hydrogen kunye nokugcinwa, njl.).

2. Ukusebenza kakuhle kwamandla

Ecaleni kophuhliso lwamandla acocekileyo, imali eluhlaza igxile kwiindlela zokunciphisa ukusetyenziswa kwamandla ethu ngokubanzi ngokusebenzisa ukusetyenziswa kwamandla.

Kwishishini elinzima (intsimbi, i-samente, iikhemikhali, ukwenza iphepha, njl.), utyalo-mali olubalulekileyo luyimfuneko ukuze kuphuculwe iinkqubo zokuvelisa kwaye kubenze bangabi namandla kakhulu. Oku kunokubandakanya izixhobo ezitsha, ezisebenza ngakumbi, iinkqubo zokubuyisela ubushushu okanye ukufakelwa kombane kweenkqubo.

Icandelo lolwakhiwo lweendawo zokuhlala kunye nenqanaba lesithathu likwayeyona nto kujoliswe kuyo ngokuxhaswa ngemali kweenkqubo ezinkulu zokuvuselela amandla. Oku kubandakanya ukugqunywa kwe-thermal okomeleziweyo, ukutshintshwa kwezinto zokufudumala ezigugayo / zomoya, ukufakwa kwezixhobo ezonga amandla (I-LED, iklasi A +++ izixhobo zendlu, njl..) kunye nokusasazwa kwezisombululo zolawulo lwamandla akrelekrele (iigridi ezihlakaniphileyo).

Ukushukuma ngomnye ummandla obalulekileyo, notyalo-mali lokuphuhlisa umbane kunye ne-plug-in hybrid izithuthi, ukwenza izithuthi zikawonke-wonke zibe zezala maxesha, ukwandisa ulungiselelo lwezothutho ukunciphisa ukukhutshwa kwezinto ezikhutshwayo, nokukhuthaza ukuhamba okuthambileyo. Iinzame ziyenziwa kwi-eco-design yezithuthi ukuze zihlale zikhaphukhaphu kwaye zibhabha ngakumbi.

Okokugqibela, utyalo-mali lujolise ekwandiseni ukusebenza kakuhle kwamandla kwamanye amacandelo ezoqoqosho ngokuxhasa uphicotho-zincwadi, uqeqesho, uphando nophuhliso, iziqinisekiso, njl.

3. Ulawulo oluzinzileyo lwemithombo yendalo

Ngaphandle kotshintsho lwamandla, imali eluhlaza ijolise ekulondolozeni ubutyebi bendalo ngelixa ihlangabezana neemfuno zabemi kunye noqoqosho.

Kwicandelo lezolimo, imali ijoliswe ekuphuhliseni izenzo ezizinzileyo. Oku kunokubandakanya ukuxhasa ngemali ukuguqulelwa kulimo oluphilayo, i-agroforestry, i-agroecology, izityalo ze-permaculture okanye ukuncitshiswa kwamagalelo ekhemikhali. Omnye umba kukugcinwa kwamahlathi asele ekho kunye nokutshalwa ngokutsha kwamahlathi kusetyenziswa iinkqubo ze-silviculture ezinoxanduva nezizinzileyo kunye nokugawulwa kwemithi.

Inxalenye yenkxaso-mali inikezelwe ekukhuseleni nasekubuyiseleni indalo ephilayo, imigxobhozo kunye neentlobo-ntlobo zezityalo nezilwanyana eziphilayo ukuze kugcinwe ulungelelwaniso olungundoqo lwe-ikholoji yesi sijikelezi-langa. Izimali ezizinzileyo zikwaxhasa amalinge olawulo oluhlangeneyo nolunengqiqo kubutyebi bamanzi ahlaziyekileyo kunye nemimandla yonxweme.

Kodwa intliziyo yomceli mngeni ikuphuhliso lwemodeli yezoqoqosho ejikelezayo ejolise ekunciphiseni, ekusebenziseni kwakhona, ekulungiseni nasekusetyenzisweni kwakhona. izibonelelo kunye nenkcitho. Kufuneka sixhase ngemali ukuphuculwa kweziseko ezingundoqo zolawulo lwenkunkuma, ukusasazwa ngokutsha, ukurisayikilisha kunye namacandelo oqoqosho ajikelezayo kuwo onke amacandelo omsebenzi.

4. Ukuhamba okucocekileyo

Ezothutho lelinye lamacandelo aphambili akhupha iigesi zegreenhouse. Ukutshintshela kwisicoci, ukushukuma kwekhabhoni ephantsi ke ngoko kubaluleke kakhulu kwimali eluhlaza.

Inxalenye enkulu yotyalo-mali ijoliswe ekuhanjisweni okukhulu kwezithuthi zombane kunye nolwakhiwo lwezibonelelo zokutshaja ezinxulumeneyo (iitheminali, iigridi ezihlakaniphile). Ukongeza kwiimoto zombane kunye neeveni, ukuxhaswa ngemali kukwabandakanya iibhasi kunye neenqwelo zeempahla ezinzima ezisebenza ngombane okanye zisebenzisa ezinye iinjini ezicocekileyo (i-hydrogen, njl.).

Uphuhliso lwezithuthi zikawonke-wonke lukwangumxholo wotyalo-mali olukhulu ukunika abemi iindlela ezizezinye kusetyenziso lweemoto zabucala: imigca emitsha yemetro, iitram, iibhasi ezicocekileyo, oololiwe bommandla, njl. Kwiindawo ezisemaphandleni, izisombululo ezithambileyo nezintsha zokushukumiseka kufuneka zixhaswe ngemali.

Kwinkalo yothutho, ukwenziwa ngcono kolungiselelo kunye notshintsho kwindlela yothutho eyonga amandla ngakumbi (uloliwe, ulwandle, umlambo) kuya kwenza kube lula ukunciphisa ifuthe lekhabhoni yecandelo. Izimali zohlaza zikwatyhala ukuphuculwa kweenqanawa kunye nokwamkelwa kobugcisa bokuvelisa amafutha eluhlaza (i-LNG, i-biofuels ezinzileyo, i-hydrogen, njl.).

Ekugqibeleni, ukuhamba "fresh” ukomelela kunye nokuchithwa kwekhabhoni akufuneki kugqitywe notyalo-mali kwiziseko ezingundoqo zokukhwela ibhayisekile, iindawo zabahambi ngeenyawo, ukwabelana ngemoto kunye neenkonzo zokukhwela iimoto, njl.

5. Iiziseko ezingundoqo zohlaza

Izimali zohlaza zikwangenelela ekuboneleleni ngenkxaso-mali kweziseko ezingundoqo ze-ikholoji ukulungiselela izixeko kunye nemimandla kwimingeni yophuhliso oluzinzileyo.

Eyona nto kugxilwe kuyo kulwakhiwo kunye nokulungiswa kwezakhiwo eziqinisekisiweyo “zokusebenza kokusingqongileyo okuphezulu” (I-LEED, iBREAM, i-HQE, njl.). Oku kunokubandakanya izakhiwo ezingathathi hlangothi ngekhabhoni ngokusebenzisa izinto ezisekelwe kwi-bio, uyilo lwe-bioclimatic, ukusetyenziswa kwamandla aphantsi kunye nokuveliswa kwamandla kwisayithi.

Uthungelwano lwamanzi okusela ezidolophini kunye nogutyulo lwelindle lukwangumxholo wotyalo-mali ukuwenza asebenze ngakumbi, akhuseleke kwaye akwazi ukunyamezela. Inkxaso-mali yohlaza ixhasa ngemali ulwakhiwo lwamaziko okucoca amanzi akumgangatho ophezulu ngakumbi, amaziko okucocwa kogutyulo olunobungani nokusingqongileyo kunye nezityalo zokukhupha ityuwa. Ikwakwenza kube lula ukuqokelelwa kwamanzi amdaka ala maxesha kunye neenkqubo zolawulo lwamanzi emvula.

Ulawulo oluphuculweyo lwenkunkuma kamasipala ngomnye umba obalulekileyo kunye nokuxhaswa ngezimali kweziseko ezingundoqo ezinikezelwe ekuhleleni, ekusetyenzisweni ngokutsha, ekuhlaziyweni nasekucocweni kweentsalela zokugqibela. Izimali zohlaza zikwatyhala izixeko ukuba ziphuhlise iindawo eziluhlaza, iipaseji eziluhlaza, ezolimo zasezidolophini kunye nokuguqulwa ngokutsha ukuze kukhuthazwe ukuhlukahlukana kwezinto eziphilayo.

Inqaku eliza kufundwa: Pourquoi wenze ishishini ngaphakathit?

🏁 Ukuvala

Ukuhlanganiswa kwezemali kwinkonzo yemozulu kunye nezityalo nezilwanyana ezohlukeneyo kubalulekile ukuze kuphumelele inguqu yendalo. Imali yohlaza inamandla amakhulu okuphelisa ikhabhoni kuqoqosho ukuba luphuhla ngokomlinganiselo omkhulu. Inokuthi emva koko ibe ngumqhubi oqinisekileyo wenguqu kwimodeli ezinzileyo.

Imingeni mikhulu, kodwa kunjalo namathuba. Lisekho ixesha lokuthatha amanyathelo! ⏱️ Izisombululo zikhona, ukuba nje ubeke indawo imali eluhlaza entliziyweni yezinto eziphambili. Izixhobo ezininzi ziyafumaneka kumashishini, amazwe kunye nabemi ukukhawulezisa olu phuhliso luyimfuneko.

Ikamva lesijikelezi-langa sethu lisezandleni zethu. Ugayo kufuneka lube lulonke ukuhlangabezana nocelomngeni olukhulu lotshintsho lwendalo. Imali eluhlaza iye intlanganiso nembali ! Kodwa ngaphambi kokuba ndikushiye, yintoni a akukho itshekhi yokuseka, yintoni a ikhonkco lobutyebi?

FAQ -Yonke into okufuneka uyazi malunga nezezimali eziluhlaza

Yintoni imali eluhlaza?

Inkxaso-mali yohlaza ibandakanya ukudibanisa iindlela zokusingqongileyo, intlalo nolawulo (ESG) kwizigqibo zotyalo-mali nakwimisebenzi yecandelo lezemali. Injongo kukuqondisa ukuhamba kwemali ukuya kwimisebenzi neeprojekthi ezizinzileyo ngokwemekobume nentlalo.

Ziziphi izixhobo zezemali eziluhlaza?

Izixhobo eziphambili zezi:

• Iimali zohlaza: iimali zotyalo-mali ezigxile kwii-asethi eziluhlaza (izabelo okanye iibhondi zeenkampani ezinegalelo kwinguqu yendalo).
• Iibhondi eziluhlaza: imiba yebhondi ebekelwe ukuxhasa ngemali iiprojekthi ezineenzuzo zokusingqongileyo.
• Iimali-mboleko eziluhlaza: iimali-mboleko zebhanki ezixhasa ngemali iiprojekthi okanye ii-asethi ezizinzileyo.
• Utyalo-mali olunempembelelo: utyalo-mali olujoliswe kuyo kwiinkampani/kwiiprojekthi ezinempembelelo ephezulu kwezentlalo okanye kokusingqongileyo.

Ngoobani abadlali kwizimali eziluhlaza?

Bonke abadlali bezemali baxhalabile: iibhanki, iinkampani ze-inshurensi, iinkampani zolawulo lwe-asethi, abatyali-mali beziko. Iinkampani zikwakhupha amabhondi aluhlaza ngakumbi nangakumbi ukuxhasa ngezimali utshintsho lwabo lwendalo.

Ziziphi iingenelo zemali eluhlaza?

Kubatyali-mali, imalunga nokulawula umngcipheko wemozulu kunye nokuphucula ukomelela kweepotfoliyo. Kwiinkampani ezixhaswa ngemali, oku kunceda ukukhawulezisa utshintsho lwabo lwekhabhoni ephantsi. Kwinqanaba elikhulu, oku kunceda ukunciphisa ukufudumala kwehlabathi ngokuthumela ngokutsha utyalo-mali.

Yeyiphi imida yangoku?

Iinzame zisafuneka ukuphepha ukuhlanjululwa luhlaza kunye nokuqinisekisa impembelelo yokwenene efanelekileyo yeemveliso zemali ezibhalwe "luhlaza". Isabelo sotyalo-mali oluhambelana neSivumelwano saseParis sihlala sinomda.

Indlela yokomeleza imali eluhlaza?

Ngokuphuhlisa iilebhile ezifunwayo, ukungafihli kwabachaphazelekayo ngokunika ingxelo ye-ESG eyomeleleyo, kunye nemigaqo ebophelelayo yokwalathisa imali ngokufanelekileyo kwikhabhoni ephantsi kunye nemisebenzi ezinzileyo.