Kuwerengera kaboni m'mabanki: Ntchito zazachuma zikuwonekera poyera

• Author:
• Dzina la wolemba

  Quantumrun Foresight
• July 6, 2023

Kuzindikira kwakukulu

Mabanki akudzipereka kwambiri kuti achepetse kutulutsa mpweya woperekedwa ndi ndalama mogwirizana ndi Pangano la Paris, njira yovuta yomwe ikufuna kuunika komanso kusintha. Umembala mu Net-Zero Banking Alliance ndi Partnership for Carbon Accounting Financials ukukula, kukulitsa kuwonekera. Zomwe zidzachitike m'tsogolomu zikuphatikizanso zofunikira pakuwongolera, kusinthira kubizinesi yokhala ndi mpweya wochepa, kuwonekera poyera, kukonda kwamakasitomala kumabanki okonda zachilengedwe, ndi mwayi watsopano wamabizinesi.

Kuwerengera kwa Carbon m'mabanki

Mabanki ambiri adalengeza poyera zolinga zawo zochepetsera mpweya woperekedwa ndi ndalama pansi pa zolinga za Pangano la Paris. Kuphatikiza apo, umembala wa Net-Zero Banking Alliance (NZBA) udakwera kuchoka pa 43 kupita ku mabanki 122, kuyimira 40 peresenti ya chuma chamabanki padziko lonse lapansi, pakangotha ​​chaka chimodzi. Kulowa mu NZBA kumafuna kudzipereka kuti asinthe zotulutsa zawo zobwereketsa ndi zogulitsa ndalama kuti zigwirizane ndi zomwe sizingachitike.

Kuphatikiza apo, mabanki ambiri adawunikanso zandalama zomwe amapeza komanso akukambirana ngati akhazikitse zomwe anthu akufuna. Ena akuganiza zotengera njira zoyenera zowunika ndikukhazikitsa zolinga zomwe amapeza ndindalama zotulutsa mpweya. Pamene ziyembekezo za omwe akukhudzidwa zikuchulukirachulukira, zofunikira zowongolera zomwe zikuchitika m'magawo angapo zakhazikitsidwa kuti zisinthe kuwululidwa kwautsi woperekedwa ndindalama kuchoka paufulu kupita kokakamizika.

Malinga ndi a McKinsey, kuwunika ndikukhazikitsa zolinga zazachuma zomwe zimaperekedwa ndizovuta kwambiri, chifukwa kumakhudzanso zinthu monga kusagwirizana kwa magawo, kusiyanasiyana kwa zigawo, kusinthasintha kwa mapulani a anzawo, kusinthika kwazinthu zamabizinesi, komanso kutukuka komanso kupititsa patsogolo deta. Kuphatikiza apo, zomwe mabanki amatenga kuti akwaniritse zolingazi nthawi zambiri amabweretsa mikangano ndi zolinga zina, monga kulimbikitsa kukula kwa ndalama m'mabizinesi ovuta komanso kumafuna kusintha kwa mfundo ndi njira zofunika.

Kuphatikiza apo, mabanki akuyenera kulinganiza zolinga zawo zochepetsera utsi woperekedwa ndi ndalama ndi cholinga chimodzi chothandizira kuchepetsa kutulutsa mpweya. Izi nthawi zambiri zimaphatikizira kupititsa patsogolo ndalama kwa omwe amatumiza katundu wolemera omwe amafunikira ndalama kuti achepetse ntchito zawo. Kukwaniritsa kusamalidwa bwino kumeneku ndikofunikira kwambiri, zomwe zimafuna kuti mabanki azichita mwanzeru komanso kusamala posankha ntchito zomwe angapereke.

Zosokoneza

Mabungwe azachuma ambiri akuyembekezeka kulengeza za zomwe apereka pagulu. Mu 2022, HSBC inalengeza cholinga chake chofuna kuchepetsa ndi 34 peresenti ya kuchepetsa mpweya wotuluka m'makampani amafuta ndi gasi pofika chaka cha 2030. gawo lothandizira pofika chaka chomwecho.

Kuphatikiza apo, mabanki amalumikizana ndi mabungwe ambiri owerengera ndalama kuti awonetsetse kuwonekera komwe ndalama zawo zimapita. Mwachitsanzo, Partnership for Carbon Accounting Financials ndi dongosolo lapadziko lonse lapansi la mabungwe azachuma kuti adziwe ndikuwulula mpweya womwe umabwera chifukwa cha malo awo obwereketsa ndi ndalama. Mu 2020, idalandira Citi ndi Bank of America ngati mamembala. Morgan Stanley adalonjeza kale kuti athandizira kampeniyi, zomwe zimapangitsa kuti ikhale banki yoyamba yapadziko lonse lapansi ku US kutero.

Malamulo ochulukirapo komanso miyezo ingachuluke pomwe makampani akuchulukirachulukira pazomwe adalonjeza pochepetsa mpweya. Komabe, zovuta zantchito zachuma zitha kuchedwetsa kupita patsogolo pomwe mabanki akupitiliza kuwunika momwe angayendetsere bwino pakati pa kukhazikika ndi ndalama. Mwachitsanzo, Reuters idanenanso mu Marichi 2023 kuti pali kugawanika pakati pa mabanki okhudzana ndi kuwerengera mpweya wokhudzana ndi misika yawo yayikulu. Mabanki ena sakukondwera ndi lingaliro lakuti 100 peresenti ya mpweya umenewu uyenera kuperekedwa kwa iwo osati kwa osunga ndalama omwe amagula zida zandalama. Njira yamakampani pankhaniyi ikuyembekezeka kuwululidwa kumapeto kwa 2022. 

Zotsatira za kuwerengera kaboni m'mabanki

Zotsatira zazikulu za kuwerengera kaboni m'mabanki zingaphatikizepo: 

• Kuwerengera kwa kaboni kukhala chofunikira pakuwongolera, pomwe maboma amaika malire otulutsa mpweya kapena zilango zopitilira. Mabanki omwe amalephera kutsatira angakumane ndi zotsatira zalamulo, zachuma, ndi mbiri.
• Mabanki akusintha njira zawo zobwereketsa ndi ndalama kuti azikonda mafakitale kapena ma projekiti a carbon low.
• Kuchulukirachulukira komanso kuyankha kwa mabanki, chifukwa adzafunika kuwulula zomwe amatulutsa ndikuwonetsa kuyesetsa kwawo kuchepetsa. 
• Mabanki akuchulukirachulukira kuchotsera kaboni ngati njira yopezera kusalowerera ndale kwa kaboni.
• Mabanki akugwiritsa ntchito matekinoloje atsopano kuti azitsata ndikuyesa kutulutsa kwawo kwa kaboni. Izi zitha kukhala ndi zotsatira zaukadaulo ndi ntchito, chifukwa mabanki angafunike kuyika ndalama mu pulogalamu yatsopano kapena kulemba ganyu antchito omwe ali ndi ukadaulo wowerengera kaboni.
• Makasitomala omwe amakonda kuchita bizinesi ndi mabanki omwe ali ndi mpweya wochepa kapena akuyesetsa kuti achepetse. 
• Kuwerengera kwa kaboni komwe kumafunikira mgwirizano wapadziko lonse lapansi, chifukwa mabanki angafunikire kutsatira zomwe zimatuluka kuchokera kumakampani kapena mapulojekiti m'maiko angapo. 
• Mwayi watsopano wamabanki, monga kupereka ntchito zochotsera kaboni kapena kuyika ndalama m'mafakitale a carbon low. Izi zitha kuthandizira mabanki kusinthasintha njira zawo zopezera ndalama ndikugwiritsa ntchito njira zomwe zikuyenda bwino.

Mafunso oyenera kuwaganizira

• Ngati mumagwira ntchito kubanki, kodi kampani yanu imawerengera bwanji ndalama zomwe zimaperekedwa?
• Ndi matekinoloje ati omwe angapangike kuti athandize mabanki kuti aziyankha bwino pakutulutsa kwawo?