| 词条 | Green lending | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 释义 |
Green lending refers to a lending dependent on environmental criteria for the planned use of funds. It is part of the wider sustainable investing and aims to reduce the impact on the environment of new lending activities. HistoryStarting in 2005 major US banks such as Wells Fargo (July 2005, $1bn over 5 years)[1] and Bank of America (March 2007, $20 bn)[2] started dedicating financing toward sustainable entrepreneurship. This usually meant financing the building of environmentally sustainable or friendly buildings or enterprises. The green lending initiative appear to have been taken by the lenders as opposed to borrowers.[3] In 2018 the Loan Market Association in the UK issued Green Loan Principles to ensure any green loan is used for eligible green projects. This includes stating that this must be clearly articulated in the finance documents along with the expected environmental benefits, which must be assessed, quantified, measured and reported by the borrower.[4] The list of projects that qualify as green is based on the list that the International Capital Market Association uses to define Green Bonds. ESG ratings and green loansIn April 2017, ING Group issued the world’s first sustainability-linked loan to Philips, coupling the interest rate of the EUR 1 billion loan to the company’s sustainability performance.[5][6] By June 2018, Bloomberg News reported that ING Group had closed 15 similar deals where the bank would lower the cost of borrowing by between 5% and 10% based on the company’s ESG rating provided by Sustainalytics.[7] As shown on Environmental Finance's list of sustainability loans, several other banks have teamed with various ESG ratings agencies, copying and building on the ING-Sustainalytics model:[8]
In September 2018, five banks, including BBVA, structured a revolving credit facility (RCF) for the Italian power utility A2A in a finance deal valued at 400 million euros. The syndicated loan avails itself of a margin mechanism based on two parameters: the performance of two selected KPIs (waste processing capacity and the volume of renewable energy sold in the wholesale market, emphasizing the focus of the A2A Group on the circular economy and decarbonation). The solicited ESG rating is provided annually by Standard Ethics Aei.[9][10] See also
References1. ^Green Lending: Top 10 Reasons Why Banks Lend to Sustainable Buildings{{dead link|date=January 2018 |bot=InternetArchiveBot |fix-attempted=yes }} {{activism-stub}}2. ^Green Wombat: Bank of America Commits $20 Billion to Green Lending 3. ^{{cite news |url=https://www.reuters.com/article/credag-greenloans/credit-agricole-closes-first-two-u-s-green-loans-idUSL1N1S21FO |title=Credit Agricole closes first two U.S. Green loans |date=April 26, 2018 |publisher=Reuters }} 4. ^{{cite news |url=https://www.whitecase.com/publications/alert/green-loan-principles-guide-environmental-and-sustainability-finance |title=Green Loan Principles to Guide Environmental and Sustainability Finance |author=Tallat Hussain |date=March 22, 2018}} 5. ^{{cite web |title=ING and Philips collaborate on sustainable loan |url=https://www.ing.com/Newsroom/All-news/ING-and-Philips-collaborate-on-sustainable-loan.htm |website=ING |accessdate=4 October 2018}} 6. ^{{cite web |last1=Holder |first1=Michael |title=Philips agrees €1bn loan with interest rate linked to sustainability performance |url=https://www.businessgreen.com/bg/news/3008731/philips-agrees-eur1bn-loan-with-interest-rate-linked-to-sustainability-performance |website=Business Green |accessdate=4 October 2018}} 7. ^{{cite web |last1=Hirtenstein |first1=Anna |title=Going Greener Can Get You Cheaper Loans at This Dutch Bank |url=https://www.bloomberg.com/news/articles/2018-06-04/going-greener-can-get-you-cheaper-loans-at-this-dutch-bank |website=Bloomberg |accessdate=4 October 2018}} 8. ^{{cite web |last1=Roumpis |first1=Nick |title=The green and sustainability loan market: ready for take-off |url=https://www.environmental-finance.com/content/analysis/the-green-and-sustainability-loan-market-ready-for-take-off.html |website=Environmental Finance |accessdate=4 October 2018}} 9. ^https://www.bbva.com/en/bbva-signs-new-sustainable-loan-italy-a2a/ 10. ^https://www.eticanews.it/in-breve/un-altro-sustainable-loan-per-le-utility-italiane-tocca-ad-a2a/ 4 : Environmental economics|Environmentalism|Ethical banking|Green politics |
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