气候金融 | 如何充分发挥保险特长，推动气候适应性融资规模化？

Core Insights - The global climate crisis is intensifying, with rising sea levels posing risks to coastal cities and droughts and floods impacting agriculture and infrastructure. Adapting to these changes is becoming a critical issue for the survival and development of nations [1] - The World Resources Institute (WRI) and the United Nations Environment Programme (UNEP) highlight a significant "adaptation gap" in funding for climate resilience, particularly for vulnerable countries and communities. There is a call for stable, long-term financial mechanisms to address this gap [1] - Structural challenges in climate adaptation financing include weak local capacities, insufficient evaluation tools, mismatches between project cycles and funding preferences, and long-term underestimation of climate risks. These issues hinder the scalability and resilience of adaptation efforts [1] - The insurance sector is increasingly recognized as a key player in addressing climate adaptation financing challenges by using risk management tools to identify, price, diversify, and transfer risks, thereby attracting more social capital to climate adaptation [1][2] Industry Developments - The article "Insuring Our Future: Leveraging Insurance Expertise for Scalable Adaptation Finance" submitted by WRI and partners has been selected for the 2025 G20 Summit T20 policy brief, aiming to provide resilient and scalable solutions for climate adaptation financing [2] - T20, as an official engagement group under G20, plays a crucial role in gathering global think tanks and experts to discuss policy issues related to G20, facilitating collaboration and providing policy recommendations that are often integrated into G20's final policy framework [3]