ESG风险管理

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中行研究院王家强:气候风险将通过融资行为向银行业传导
Zhong Guo Jing Ying Bao· 2025-09-23 13:11
中经记者 张漫游 北京报道 2025年9月23日,由《中国经营报》主办的"绿色引领 重塑未来——2025中国企业可持续发展行动大 会"在北京盛大举行。 金融作为实体经济的血脉,在企业可持续发展的过程中起到重要作用。在大会上,中国银行研究院资深 研究员王家强指出,气候风险愈加严峻,且最终都可能通过融资行为向银行业传导。因此,中国银行业 已将ESG风险管理纳入全面风险管理体系,努力提高识别与管理气候风险的能力。 中国金融业践行可持续发展成效显著 王家强认为,中国金融业在绿色引领可持续发展方面的理念和信心坚定不移,战略方向和实践路径贯穿 始终,中国金融业坚决贯彻落实新发展理念,全力支持经济、社会、环境可持续发展。 三是开展气候风险压力测试,评估风险承受能力。中国银行自2021年起定期开展气候风险压力测试,并 把参考国际权威机构方法开展的压力测试结果,应用于财务风险评估。2024年,中银香港、中国银行悉 尼分行、伦敦子行等境外分支机构也有序开展气候风险压力测试。 对于未来银行业支持可持续发展的突破点,王家强指出,银行业支持可持续发展领域宽广、大有可为。 未来,通过金融业支持建设零碳产业园,可能成为下一个突破口。零碳园 ...
齐鲁银行2025上半年业绩答卷:规模盈利双升、资产质量优化,各业务板块协同发力
Zheng Quan Zhi Xing· 2025-09-01 03:03
Core Viewpoint - Qilu Bank has demonstrated robust growth in assets, loans, and deposits in the first half of 2025, with significant increases in operating income and net profit, while maintaining a declining non-performing loan ratio and improving provision coverage ratio, showcasing strong asset quality resilience [1][3][4]. Group 1: Financial Performance - As of June 30, 2025, Qilu Bank's total assets reached 751.305 billion yuan, an increase of 8.96% from the end of the previous year [2]. - The total loan amount was 371.410 billion yuan, growing by 10.16%, with corporate loans (excluding discounts) increasing by 15.72% to 278.061 billion yuan [2]. - Total deposits amounted to 478.571 billion yuan, up 8.88%, with corporate deposits growing by 8.49% and personal deposits by 9.27% [2]. - Operating income for the first half of 2025 was 6.782 billion yuan, a year-on-year increase of 5.76%, with net interest income rising by 13.29% to 4.986 billion yuan [3]. - Net profit attributable to shareholders was 2.734 billion yuan, reflecting a growth of 16.48%, with basic earnings per share at 0.54 yuan, up 17.39% [3]. Group 2: Asset Quality and Risk Management - The non-performing loan ratio stood at 1.09%, down by 0.10 percentage points from the end of the previous year, while the provision coverage ratio improved to 343.24%, an increase of 20.86 percentage points [4]. - The bank has implemented a comprehensive risk management mechanism, focusing on proactive risk identification and classification, which has effectively reduced the migration rate of attention loans by 9.23 percentage points to 26.96% [5]. Group 3: Strategic Focus Areas - Qilu Bank has made significant strides in technology and green finance, with loans to technology enterprises increasing by 17.60% to 40.812 billion yuan, and green loans growing by 30.03% to 43.692 billion yuan [6]. - The bank has deepened its focus on rural finance, with county-level deposits rising by 11.67% to 150.101 billion yuan and loans increasing by 10.97% to 110.892 billion yuan [9][10]. - The successful conversion of approximately 7.99 billion yuan of convertible bonds into equity has strengthened the bank's capital base, enhancing its core tier one capital adequacy ratio to an estimated 11.62% [11]. Group 4: Retail and Wealth Management - Qilu Bank has emphasized retail banking, enhancing customer engagement through digital transformation and targeted marketing strategies, resulting in personal financial assets growing by 8.64% to 320.809 billion yuan [8]. - The bank has launched innovative wealth management products and improved service offerings for high-net-worth clients, contributing to a 12.75% increase in mid-to-high-end customer accounts [8].
应对可持续信息披露新规 金融业加快开展气候风险压力测试
Zhong Guo Jing Ying Bao· 2025-05-15 01:37
Group 1 - The financial industry is accelerating the transition to a green low-carbon economy through deepening green finance, influenced by global climate governance and China's high-quality economic development [1] - The introduction of the "Guidelines for Sustainable Development Reports of Listed Companies" marks a significant change in the A-share market, transitioning to a new phase of "mandatory and voluntary disclosure" [1] - The guidelines will be implemented starting January 2025, requiring companies to disclose their 2025 sustainable development reports by April 30, 2026, with transitional arrangements to ease the pressure on businesses [1] Group 2 - The Ministry of Finance and the Ministry of Ecology and Environment will release the "Corporate Sustainable Disclosure Standards No. 1 - Climate (Trial) (Draft for Comments)" in April 2025, which includes six chapters and 47 articles covering governance, strategy, risk management, and more [2] - The new standards will require companies to disclose climate-related risks and opportunities, financial impact analysis, greenhouse gas emissions accounting, and carbon reduction targets, providing important guidance for high-quality information disclosure [2] - Listed banks will need to restructure their ESG reporting framework to ensure compliance with regulatory standards as the mandatory disclosure deadline approaches [2] Group 3 - The new disclosure requirements may pose challenges for some small and medium-sized banks due to potential historical data gaps or insufficient system support [3] - The report suggests that listed banks should integrate sustainable development concepts into strategic planning and governance structures, shifting ESG risk management from a supplementary role to a core decision-making factor [3] - Banks are encouraged to establish a regular climate risk stress testing mechanism, with major banks already conducting such tests under the guidance of the central bank, expanding from credit risk to liquidity and reputational risks [3]