気候リスクと金融安定性：米国における持続可能な金融とリスク軽減における信用組合の戦略的役割
Climate Risk and Financial Stability: The Strategic Role of Credit Unions in Sustainable Finance and Risk Mitigation in the United States (原題)
Petar Jelinic
🤖 gxceed AI 要約
日本語
本概念論文は、米国の信用組合が物理的・移行リスクを管理しつつ持続可能な金融を支援する戦略的役割を検討する。金融安定性理論、資源ベース理論、動的ケイパビリティ、ステークホルダー理論、ERMを統合し、リーダーシップ主導の気候リスクガバナンス枠組みを提示する。地理的集中、住宅ローン、中小企業・農業信用、保険市場の逼迫、データ制約、小規模機関への比例性に特に注意を払う。
English
This conceptual article examines U.S. credit unions' strategic role in managing physical and transition risks while supporting sustainable finance. Integrating financial-stability theory, RBV, dynamic capabilities, stakeholder theory, and ERM, it develops a leadership-driven climate-risk governance framework linking identification, measurement, strategic integration, governance, and adaptive resilience with portfolio management, scenario analysis, and sustainable lending. It emphasizes geographic concentration, mortgages, small-business and agricultural credit, insurance stress, data limits, and proportionality for smaller institutions.
Unofficial AI-generated summary based on the public title and abstract. Not an official translation.
📝 gxceed 編集解説 — Why this matters
日本のGX文脈において
日本の信用金庫・信用組合は地域金融機関として気候リスク管理とSSBJ対応が課題であり、小規模機関向けの比例性原則やガバナンス枠組みは日本の地域金融GX戦略に示唆を与える。
In the global GX context
While focused on U.S. credit unions, this paper contributes to global disclosure scholarship by highlighting proportionality for smaller financial institutions—a key issue in ISSB/CSRD implementation and transition finance for community lenders worldwide.
👥 読者別の含意
🔬研究者:気候リスクガバナンス理論を小規模金融機関に適用する枠組みを提供する。
🏢実務担当者:信用組合の取締役会・経営陣が気候リスクをリスク選好と整合させる実践的指針。
🏛政策担当者:小規模金融機関への比例性ある気候リスク規制の設計に示唆を与える。
📄 Abstract（原文）
Climate-related financial risk can affect credit performance, collateral values, insurance availability, liquidity, operations, and community economic resilience. This conceptual article examines the strategic role of U.S. credit unions in managing physical and transition risks while supporting sustainable finance. Integrating financial-stability theory, the resource-based view, dynamic capabilities, stakeholder theory, and enterprise risk management, the article develops a leadership-driven framework for climate-risk governance. The framework connects risk identification and measurement, strategic integration, governance and accountability, and adaptive resilience with portfolio management, scenario analysis, business continuity, member engagement, and sustainable lending. Particular attention is given to geographic concentration, mortgages, small-business and agricultural credit, insurance-market stress, data limitations, and proportionality for smaller institutions. The article argues that climate-risk management should remain financially grounded, evidence-based, and consistent with credit-union mission and risk appetite. Implications are presented for boards, executives, regulators, and researchers concerned with institutional and community resilience.
🔗 Provenance — このレコードを発見したソース
- semanticscholar https://articlegateway.com/journals/index.php/JAF/article/download/8431/7947first seen 2026-09-29 05:26:36
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