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. Oku uphuhliso olukhawulezileyo lubalulekile ukuba nethemba lokufezekisa ukungathathi hlangothi kwekhabhoni kunye nokuhlonipha iSivumelwano saseParis. Owona msebenzi mkhulu ufuna ukwaziwa kunye nokuhlanganisa bonke abachaphazelekayo kwezemali.

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 sisifundo ebesenza ingxolo enkulu mva nje, kwaye ngesizathu esihle! Ifana nehlabathi lezemali elinxibe isinxibo se-eco-friendly superhero. Kodwa ngokwenene, yintoni le nto? Ngokusisiseko, imali eluhlaza kuxa imali ifakwa kwinkonzo yeplanethi. Yingcamango yokuba imali ingasetyenziselwa ukwenza okulungileyo kokusingqongileyo, kunokuba kufakwe nje iipokotho zezikhulu ezimbalwa. Sithetha ngalo lonke utyalo-mali, iimveliso zemali kunye neenkonzo ezijolise ekuxhaseni iiprojekthi ezilungele indalo okanye ukulwa nokutshintsha kwemozulu.

Khawufan' ucinge: endaweni yokubeka imali yakho kwinkampani eyenza iinjini zedizili, uyityala kwinkampani eyenza iipaneli zelanga ezisebenza kakuhle kakhulu. Leyo yimali eluhlaza. Kodwa lumka, ayingombandela nje wokutyala imithi kuyo yonke indawo. Imali eluhlaza iquka izinto ezininzi ezahlukeneyo. Unamabhondi aluhlaza, umzekelo. Kufana neemali-mboleko, kodwa ngokukodwa ukuxhasa ngemali iiprojekthi eziluhlaza. Okanye neengxowa-mali zotyalo-mali ezibeka imali kuphela kwiinkampani ezihlonipha iindlela ezithile zokusingqongileyo.

Kukho kwakhona yonke inkalo ye-inshurensi eluhlaza. Oku kuxa ii-inshorensi ziqala ukubala umngcipheko wokutshintsha kwemozulu kwizibalo zabo. Isenokubonakala ikruqula, kodwa kubaluleke kakhulu ukutyhala iinkampani ukuba zibe noxanduva ngakumbi.

Kwaye ke, uneebhanki eziqala ukunika imali mboleko ngamaxabiso athotyiweyo kwiiprojekthi eziluhlaza. Nokuba lishishini elifuna ukuhamba eluhlaza okanye kuwe ofuna ukufaka iipaneli zelanga kuphahla lwakho. Into epholileyo malunga nemali eluhlaza kukuba izama ukubonisa ukuba uhlaza kunye nokwenza imali akuhambelani. Ngokuchasene noko, ingcamango ithi kwixesha elide, utyalo-mali oluluhlaza lukhuselekile kwaye lunokuba nenzuzo ngakumbi.

Kodwa njengayo yonke into ekhanyayo, imali eluhlaza nayo ineendawo zayo ezingwevu. Kuhlala kukho umngcipheko wokuba "ukumitha eluhlaza", uyazi, xa iinkampani zizenza ngathi ziluhlaza kunokuba zinjalo ngokwenene. Yingakho kukho imimiselo emininzi kunye neelebhile zokuqinisekisa ukuba xa sithetha ngemali yeGreen ayithethi nje.

Kwaye ke, ungenzi mpazamo, imali eluhlaza ayikabi yinto eqhelekileyo. Ifana nomntwana ofikisayo okhulayo: ikhula ngokukhawuleza, kodwa isenamabala kunye nobudoda. Izimali zohlaza zisebenzisa iindlela ezahlukeneyo zoku: utyalo-mali oluzinzileyo, iibhondi eziluhlaza, iimali-mboleko ezixhaswa ngemali eluhlaza, i-inshurensi yemozulu, ingxelo eyongezelelekileyo yemali... Abachaphazelekayo bayo babaninzi: abatyali-mali, iibhanki, i-inshurensi, iZizwe...

📍 Kutheni ibalulekile nje?

Imali eluhlaza ibalulekile ukuhlangabezana nayo unxunguphalo lwendalo kunye nemozulu. Ngokutsho kwe-IPCC, ukufudumala kwehlabathi kufuneka kukhawulelwe ku +1,5 ° C ngo-2100 ukuphepha 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 kolu hlengahlengiso lokuhamba kwemali, kuya kuba phantse akunakwenzeka 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 kwizimali eziluhlaza?

Abadlali bezemali bohlaza bohlukene kwaye badlala indima ebalulekileyo ekukhuthazeni utyalo-mali oluzinzileyo nolunoxanduva. Phakathi kwazo kukho amaziko emali, afana neebhanki kunye neengxowa-mali zotyalo-mali, eziphuhlisa iimveliso ezithile zemali, ezifana neebhondi eziluhlaza, ukuxhasa ngemali iiprojekthi ezinefuthe elihle kwindalo. La maziko azibophelele ekudibaniseni imiqathango yokusingqongileyo, yezentlalo nolawulo (ESG) kwizigqibo zawo zotyalo-mali.

Oorhulumente kunye nabalawuli nabo bangabadlali abaphambili. Baseka iinkqubo-sikhokelo zomthetho kunye nenkuthazo yerhafu ukukhuthaza utyalo-mali oluluhlaza. Ngokomzekelo, amanye amazwe aphumeze iinkxaso-mali okanye iikhredithi zerhafu kwiiprojekthi zamandla ahlaziyekayo. Ukongeza, amaphulo ezizwe ngezizwe, anjengesiVumelwano saseParis, akhuthaza amazwe ukuba amkele imigaqo-nkqubo evumelana nenkxaso-mali ezinzileyo.

Okokugqibela, ii-NGOs kunye nemibutho yehlabathi idlala indima yokwazisa kunye nenkxaso. Babeka iliso kwiinkqubo zeenkampani kunye namaziko emali, ukukhuthaza ukungafihli kunye nokuphendula kutyalo-mali. Aba bathathi-nxaxheba bahlala besebenzisana necandelo labucala ukuphuhlisa imigangatho kunye neziqinisekiso eziqinisekisa ukuba iiprojekthi ezixhaswa ngemali ziyahlangabezana nemigaqo engqongqo yokusingqongileyo. Ngokudibeneyo, aba badlali bancedisa ukuguqula imeko yezemali ukuya kwimodeli ezinzileyo.

📍 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. Ijolise ekuxhaseni 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 ukufakela okuncinci: iifama zomoya zabemi, iiplanti zombane zelanga eluphahleni, iiyunithi ezincinci zemethanization yezolimo, amaziko ombane amancinci, njl njl. Injongo khuthaza umxube wamandla eluhlaza kunye namagunya.

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. njl.).

2. Ukusebenza kakuhle kwamandla

Ecaleni kophuhliso lwamandla acocekileyo, imali eluhlaza igxile kwiindlela zokunciphisa ukusetyenziswa kwamandla ethu ngokubanzi ngokusebenzisa amandla ombane. 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 ngokuxhasa ngemali iinkqubo ezinkulu zokuvuselela amandla. Oku kubandakanya ukugqunywa kwe-thermal okomeleziweyo, ukutshintshwa kwezinto ezifudumalayo 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. Isenokuba yi ukuguqulwa kwemali kulimo lwendalo, i-agroforestry, i-agroecology, i-permaculture izityalo 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, ulungiselelo lolungiselelo kunye notshintsho kwindlela yothutho eyonga amandla ngakumbi (uloliwe, ulwandle, umlambo) iya kunciphisa impembelelo yekhabhoni yecandelo. Izimali zohlaza zikwatyhala ukuphuculwa kweenqanawa kunye nokwamkelwa kobuchwephesha bokubonelela ngokuluhlaza (i-LNG, i-biofuels ezinzileyo, i-hydrogen, njl.).

Ekugqibeleni, ukuhamba "fresh"Ukuqina kunye ne-decarbonized akufuneki kugqitywe notyalo-mali kwiziseko zoncedo lokuhamba ngebhayisikile, 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.

isiphelo

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. Kufuneka kubekho ukuhlanganiswa okupheleleyo ukuhlangabezana nocelomngeni olukhulu lotshintsho lwendalo. Imali eluhlaza iye intlanganiso nembali ! Kodwa ngaphambi kokuba ndikushiye, yintoni a akukho itshekhi yokuseka.

FAQ-Yonke into okufuneka uyazi malunga nezimali 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 kwezityalo 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.