THE BANKING INDUSTRY IN THE CLIMATE TRANSITION: RISKS, REGULATORY DEVELOPMENTS AND TRANSFORMATION PATHWAYS
気候移行期における銀行業：リスク、規制の進展、変革の道筋 (AI 翻訳)
Mihai Cătălin Dupir
🤖 gxceed AI 要約
日本語
本論文は、気候変動が銀行業に与えるリスクと規制の進展を国際的およびルーマニアの文脈で分析する。物理的リスクと移行リスクの統合、気候ストレステスト、グリーン金融商品、開示枠組みの強化についてレビューし、データ不足やグリーンウォッシュの課題を指摘する。銀行のビジネスモデルの構造的変革が必要と結論づける。
English
This paper examines the integration of climate-related risks into banking internationally and within the Romanian banking system. It reviews shifts from traditional risk approaches to incorporating physical and transition risks, climate stress testing, green financial products, and enhanced disclosure frameworks. The study identifies constraints such as data gaps and greenwashing risks, concluding that a structural transformation of banking business models is needed.
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
日本ではSSBJの開示基準や移行金融の議論が進む中、本論文が示す国際的な銀行規制の動向は、邦銀のリスク管理・開示実務の参考となる。ルーマニア特有の事例だが、規制枠組みの進化プロセスは日本の政策担当者にも示唆がある。
In the global GX context
This paper provides a comprehensive overview of how banks are integrating climate risks and aligning with TCFD/ISSB recommendations, using Romania as a case study. It highlights regulatory developments and practical challenges relevant to global transition finance and disclosure practices.
👥 読者別の含意
🔬研究者:A useful literature review synthesizing climate risk integration in banking, with references to regulatory documents and academic sources.
🏢実務担当者:Banks can use the findings to benchmark their own progress in climate risk management and green product development against international and Romanian examples.
🏛政策担当者:Regulators can note the framework evolution and challenges (e.g., data availability, greenwashing) when designing climate-related prudential policies.
📄 Abstract（原文）
Climate change is exerting unprecedented pressures on the financial system, positioning the banking industry as a central actor in the transition towards a low-carbon economy. This paper examines how climate-related risks are being integrated into banking activity both internationally and within the Romanian banking system. Drawing on the academic literature and recent institutional and supervisory documents, the study highlights the shift from traditional risk approaches towards embedding physical and transition risks into risk-assessment models, climate stress testing, and credit policies. It further reviews developments in green financial products, banks' participation in global sustainability initiatives, and the strengthening of climate-related disclosure and reporting frameworks. In the Romanian context, the paper discusses the role of the National Bank of Romania in aligning prudential supervision with international standards, as well as the efforts of leading commercial banks to incorporate ESG criteria into business strategies and risk management. The findings suggest that adaptation remains at an early stage, characterised by incremental progress but also by significant constraints related to data availability, analytical capacity, and greenwashing risk. The paper concludes that the climate transition requires a structural transformation of banking business models and enhanced coordination among public authorities, financial institutions, and international stakeholders.
🔗 Provenance — このレコードを発見したソース
- semanticscholar https://doi.org/10.65631/jes.1.2026.47first seen 2026-06-29 08:31:43
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