我國銀行推動赤道原則之研究

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Please use this identifier to cite or link to this item: https://irlib.pccu.edu.tw/handle/987654321/51363

Title:	我國銀行推動赤道原則之研究 A Study of the Bank Signed on to the Promote Equator Principles in Taiwan
Authors:	劉婕妤
Contributors:	社會企業管理碩士在職學位學程
Keywords:	氣候變遷環境永續赤道原則綠色金融永續金融 climate change environmental sustainability equator principles green finance sustainable finance
Date:	2022
Issue Date:	2023-03-07 10:49:50 (UTC+8)
Abstract:	2021年10月31日英國格拉斯哥展開一場因應氣候變遷攸關地球生物及人類存亡的關鍵會議「第26屆聯合國氣候峰會(COP26)」。為了使全球氣候目標與《巴黎氣候協定》的1.5°C目標一致。永續金融成為此次COP26大會的主軸。眾多綠色金融機制中，「赤道原則」可以說是氣候議題先行者。本研究目的為探討，本國金融機構舊有的企業融資專案，其授信風險評估著重於「個人、企業信用」、「還款來源」及「還款能力」，近年來，由於永續金融議題崛起，本國已有11家金融機構主動遵循「赤道原則」做為企業融資專案授信風險評估準則，試以本國銀行推動「赤道原則」的現況與舊有金融體制比較及影響進行研究，此為本文研究目的。本研究採用「文獻分析法」(Document Analysis)、「個案研究法」(Case Study) 與「半結構式訪談法」 (Semistructured interviews)。研究發現本國銀行推動「赤道原則」，將對我國金融機構邁向永續金融及與朝向全球氣候目標《巴黎氣候協定》的1.5°C將有正面之影響。 The “26th United Nations Climate Change Conference (COP26)”, held at Glasgow, UK on October 31, 2021, has been a critical meeting addressing climate change and the survival of the planet and human beings. To align the global efforts on fighting the looming threat of climate change and the 1.5°C target set by the Paris Climate Agree-ment, COP26 made sustainable finance its focus while most green financial institutions accepted the Equator Principles as the forerunner of climate issues. Most existing project finances by local financial institutions are subjected to credit risk assessment by factors of "personal and corporate credit", "source of repayments" and "capacities of repayment". Facing the challenge of sustainable finances, eleven local financial institutions are observing the Equator Principles in assessing credit risks of their project finances instead. This study is aimed to find out the status of the said guidelines now and their differences and impacts when compared with existing financial systems. This study employs Document Analysis, Case Study and Semi-Structured Inter-views to do the research. This study found that the implementation of the Equator Principles by local finan-cial institutions would favor their efforts in meeting the “goal of 1.5°C” set by the Paris Climate Agreement.
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