Ukubalwa kwekhabhoni emabhange: Izinsizakalo zezezimali ziba obala kakhulu

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Ukubalwa kwekhabhoni emabhange: Izinsizakalo zezezimali ziba obala kakhulu

Ukubalwa kwekhabhoni emabhange: Izinsizakalo zezezimali ziba obala kakhulu

Umbhalo wesihlokwana
Amabhange ahlulekayo ukuziphendulela ngokwanele ngenani lawo elikhishwa yizintuthwane asengozini yokuthuthukisa umnotho onekhabhoni ephezulu.
    • About the Author:
    • Igama lomlobi
      I-Quantumrun Foresight
    • July 6, 2023

    Amaphuzu avelele okuqonda

    Amabhange azibophezela ngokwandayo ekunciphiseni ukukhishwa kwegesi okuxhaswe ngezimali ngokuvumelana neSivumelwano SaseParis, inqubo eyinkimbinkimbi edinga ukuhlolwa nokulungisa ngokucophelela. Ubulungu ku-Net-Zero Banking Alliance kanye ne-Partnership for Carbon Accounting Financials buyakhula, kuthuthukisa ukubonakala. Imithelela yesikhathi esizayo ihlanganisa izidingo zokulawula, ukushintshela ekutshalweni kwezimali ezinekhabhoni ephansi, ukwanda obala, ukukhetha kwamakhasimende kumabhange alungele imvelo, namathuba amasha ebhizinisi.

    I-Carbon accounting kumongo wamabhange

    Amabhange amaningi amemezele esidlangalaleni izinhloso zawo zokunciphisa ukukhishwa kwegesi ngaphansi kwezinjongo zeSivumelwano saseParis. Ngaphezu kwalokho, ubulungu beNet-Zero Banking Alliance (NZBA) bukhuphuke busuka kumabhange angama-43 baya kwangama-122, obumele amaphesenti angama-40 ezimpahla zamabhange zomhlaba, esikhathini esingaphezudlwana nje konyaka. Ukujoyina i-NZBA kudinga ukuzibophezela ekuguquleni ukukhishwa kwamaphothifoliyo wabo wokuboleka nokutshalwa kwezimali ukuze kuhambisane ne-net-zero trajectory.

    Ngaphezu kwalokho, amabhange amaningi engeziwe enze ukuhlola kwangaphakathi kokukhipha kwawo ngezimali futhi adingida ukuthi asungule yini inhloso yomphakathi. Abanye bacabangela ukuthatha izinyathelo ezidingekayo ukuze bahlole futhi bathole imigomo yemali ekhishwa yizintuthwane. Njengoba okulindelwe ababambiqhaza kwanda, izidingo zokulawula ezisafufusa ezifundeni ezimbalwa zisethelwe ukuguqula ukudalulwa kwekhabhoni ekhishwa ngezimali kusukela kokuzithandela kuya kokuphoqelekile.

    NgokukaMcKinsey, ukuhlola nokusungula okuhlosiwe kokukhishwa kwegesi okukhokhelwayo kuyinkimbinkimbi kakhulu, njengoba kuhilela izici ezifana nokungafani kwemikhakha, ukuhlukahluka kwesifunda, ukushintshashintsha kwezinhlelo zozakwethu, izinkambiso zemboni ezithuthukayo, kanye nokwakheka kwedatha okuthuthukayo nokuthuthukayo ngokushesha. Ukwengeza, izinyathelo amabhange azithathayo ukuze afeze lezi zinhloso zivame ukudala ukungezwani nezinye izinjongo, njengokukhulisa ukukhula kwemali engenayo ezindaweni ezibalulekile zamabhizinisi kanye nokudinga izinguquko kuzinqubomgomo nezinqubo ezibalulekile.

    Ngaphezu kwalokho, amabhange kufanele alinganisele umgomo wawo wokunciphisa ukukhishwa kwegesi ekhishwa ngezimali ngenhloso efanayo yokuxhasa ngezimali ukukhishwa okuncishisiwe. Le bhalansi ivamise ukubandakanya ukwelula ukuxhaswa ngezimali kubathumeli abakhulu abanomthwalo wemfanelo abadinga imali yokukhipha ikhabhoni imisebenzi yabo. Ukuthola le bhalansi entekenteke kubalulekile, okudinga ukuthi amabhange asebenzise ukuqonda nokuqapha lapho enquma ukuthi imaphi amaphrojekthi azowaxhasa ngezimali.

    Umthelela ophazamisayo

    Izikhungo zezezimali ezengeziwe cishe zizokhuphuka ukuze zimemezele izibopho zazo zokukhishwa kwegesi emphakathini. Ngo-2022, i-HSBC yamemezela umgomo wayo wokuthola ukwehla ngamaphesenti angama-34 ekukhishweni kwezimali okugcwele kwe-balance sheet embonini kawoyela negesi ngo-2030. umkhakha wezinsiza ngonyaka ofanayo.

    Ngaphezu kwalokho, amabhange cishe azojoyina izinhlangano eziningi zokuziphendulela ukuze andise obala lapho utshalomali lwawo luhamba khona. Isibonelo, i-Partnership for Carbon Accounting Financials iwuhlelo lomhlaba wonke lwezikhungo zezezimali ukuze zinqume futhi zidalule ukukhishwa okuhlobene namaphothifoliyo azo wokuboleka nokutshala imali. Ngo-2020, yemukele uCiti kanye neBhange LaseMelika njengamalungu. UMorgan Stanley usethembise ukuthi uzowusekela lo mkhankaso, okuwenza ube yibhange lomhlaba lokuqala elizinze e-US ukwenza lokho.

    Imithethonqubo eyengeziwe kanye namazinga angase akhule njengoba imboni iphinda kabili izibopho zayo zokunciphisa ikhabhoni. Kodwa-ke, ubunzima bezinsizakalo zezezimali bungase bubambezele inqubekela phambili njengoba amabhange eqhubeka nokuhlola indlela yokunyathela ibhalansi phakathi kokusimama kanye nenzuzo. Isibonelo, abakwaReuters babike ngoMashi 2023 ukuthi kunokwehlukana phakathi kwamabhange mayelana nokubala ukukhishwa kwekhabhoni okuhlobene nokusebenza kwawo kwezimakethe ezinkulu. Amanye amabhange aweneme ngesiphakamiso sokuthi amaphesenti angu-100 alokhu kukhishwa kufanele anikezwe wona kunokuba anikezwe abatshalizimali abathenga amathuluzi ezezimali. Indlela yomkhakha wonke mayelana nalolu daba bekulindeleke ukuthi yethulwe ngasekupheleni kuka-2022. 

    Imithelela yokubalwa kwekhabhoni emabhange

    Imithelela ebanzi yokubalwa kwekhabhoni emabhange ingabandakanya: 

    • Ukubalwa kwekhabhoni kuba yimfuneko elawulayo, lapho ohulumeni bebeka imikhawulo ekhishwayo noma izinhlawulo zokuyeqa. Amabhange ahlulekayo ukuthobela umthetho angase abhekane nemiphumela yezomthetho, yezezimali kanye nesithunzi.
    • Amabhange alungisa izindlela zawo zokuboleka nokutshala imali ukuze avune izimboni noma amaphrojekthi anekhabhoni ephansi.
    • Ukwenyuka kokungafihli nokuziphendulela kwamabhange, njengoba kuzodingeka adalule idatha yawo ekhishwayo futhi abonise imizamo yawo yokuyinciphisa. 
    • Amabhange aya ngokuya ephendukela ku-carbon offsetting njengendlela yokuzuza ukungathathi hlangothi kwe-carbon.
    • Amabhange asebenzisa ubuchwepheshe obusha ukuze alandelele futhi alinganise ukukhishwa kwekhabhoni yawo. Lo mkhuba ungase ube nemithelela yezobuchwepheshe nezabasebenzi, njengoba amabhange angase adinge ukutshala imali kusofthiwe entsha noma aqashe abasebenzi abanolwazi lokubala ngekhabhoni.
    • Amakhasimende ancamela ukwenza ibhizinisi namabhange akhipha umoya omncane noma asebenza kanzima ukuze anciphise. 
    • I-Carbon accounting edinga ukubambisana kwamazwe ngamazwe, njengoba amabhange angase adinge ukulandelela ukukhishwa kwezinkampani noma amaphrojekthi emazweni amaningi. 
    • Amathuba amasha ebhizinisi amabhange, njengokuhlinzeka ngezinsizakalo zokususa ikhabhoni noma ukutshala imali ezimbonini ezinekhabhoni ephansi. Lokhu kuthambekela kungasiza amabhange ukuthi ahlukanise imithombo yawo yemali engenayo futhi asebenzise amathrendi okusimama akhulayo.

    Imibuzo okufanele icatshangelwe

    • Uma usebenza ebhange, injani i-accounting yenkampani yakho ngokukhipha kwayo imali?
    • Yibuphi ubuchwepheshe obungase buthuthuke ukusiza amabhange ukuthi aziphendulele ngokukhipha kwawo igesi?