英国专家警告！存款正被偷喂石油？选对金融机构才能避免气候危机

Core Insights - The article emphasizes the often-overlooked impact of personal savings on climate change, highlighting that deposits in bank accounts can counteract individual efforts to reduce carbon footprints [1][11] - It discusses the significant role of banks in financing both low-carbon and high-carbon projects, with a concerning trend of continued support for fossil fuels despite the growth of green financing [3][5] Group 1: Financial Impact on Climate - Personal savings are not static; in the UK, billions of pounds in private savings enter the financial system monthly, influencing various sectors through loans and investments [3] - The credit decisions made by banks have profound environmental implications, as loans can either support renewable energy projects or contribute to fossil fuel industries, locking in carbon emissions for decades [3][5] - Since the Paris Agreement in 2015, top banks have provided nearly $7 trillion in financing to the fossil fuel industry, with no commitments to cease funding new oil, gas, or coal projects [3][5] Group 2: Green Financing vs. Fossil Fuels - Although green loan volumes have been increasing, with some banks reporting over 20% year-on-year growth, the scale of financing for fossil fuels remains significantly larger [3][5] - Many banks' green commitments are superficial, with 95% of climate action indicators showing no substantial change from previous years, and some banks using vague language to evade accountability [3][5] Group 3: Consumer Behavior and Banking Choices - The preference for traditional banking relationships is driven by psychological factors, with consumers often reluctant to switch banks despite the environmental implications of their choices [5][7] - Changing consumer perceptions about stability and the environmental impact of banking decisions is crucial for promoting responsible financial choices [7][11] Group 4: Climate Risks and Financial Stability - Climate risks are increasingly becoming financial risks, with extreme weather events leading to rising insurance claims and potential instability in the insurance sector [9] - The World Bank's climate funding for FY2024 is only $42.6 billion, while global banks financed fossil fuels with $705.8 billion in 2023, highlighting a significant imbalance that exacerbates climate-related financial risks [9] Group 5: Conclusion and Call to Action - The article concludes that every deposit in a bank represents a vote for the future, urging consumers to consider the environmental impact of their banking choices [11] - It advocates for breaking psychological inertia and understanding bank credit policies to promote environmental change through financial decisions [11]