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銀行システムへのESG原則の戦略的統合：機会・リスク・持続可能な発展の展望

Strategic Integration of ESG Principles into the Banking System: Opportunities, Risks and Sustainable Development Perspectives (原題)

Jalalov, Mashkhurbek Gaybullo ugli

プレプリント2025-11-25#気候金融経営インパクト: 資金調達対象セクター: finance
DOI: 10.5281/zenodo.21980502
原典: https://doi.org/10.5281/zenodo.21980502

🤖 gxceed AI 要約

日本語

本論文はESG原則を銀行システムに戦略的に統合する意義を、機会・リスク・持続可能な発展の観点から概念的に検討する。ESGを単なる報告義務ではなく、ガバナンス、与信評価、ポートフォリオ管理、資本配分、リスク管理、戦略計画に組み込むべきだと論じる。グリーン・トランジション金融や国際資本アクセスの機会がある一方、データ制約、グリーンウォッシング、規制の分断、追加コンプライアンスコスト、重要セクターや脆弱な借り手の排除リスクを指摘する。

English

This conceptual, policy-oriented paper examines how ESG principles should be strategically integrated into banking—not as a reporting exercise but across governance, credit assessment, portfolio management, capital allocation, and risk management. It identifies opportunities in green and transition finance, financial inclusion, and international capital access, while flagging risks from data limitations, greenwashing, transition uncertainty, regulatory fragmentation, compliance costs, and exclusion of key sectors or vulnerable borrowers.

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

邦銀・地域金融機関がSSBJ開示やトランジション金融、与信先の脱炭素支援を経営戦略に組み込む際の論点整理として有用。ESG統合をガバナンス・与信・資本配分に埋め込む視点は、有報・統合報告書での説明責任強化にも直結する。

In the global GX context

Aligns with global disclosure and finance frameworks (TCFD/ISSB, CSRD, transition finance guidance) by framing ESG integration as a governance and capital-allocation issue rather than compliance. Its treatment of greenwashing, data gaps, and regulatory fragmentation speaks directly to current ISSB/CSRD implementation debates and to banks' transition-finance credibility.

👥 読者別の含意

🔬研究者:Provides a structured conceptual map of ESG integration across banking functions and a risk taxonomy useful for framing empirical work on sustainable finance.

🏢実務担当者:Offers a checklist for embedding ESG into credit, portfolio, and product processes, and for anticipating greenwashing and data-quality pitfalls.

🏛政策担当者:Highlights regulatory fragmentation and exclusion risks, supporting arguments for interoperable disclosure standards and transition-finance safeguards.

📄 Abstract（原文）

This paper examines the strategic integration of ESG principles into the banking system, focusing on the opportunities created by sustainable finance, the risks associated with ESG integration, and its implications for long-term sustainable development. The paper adopts a conceptual and policy-oriented approach based on international banking and sustainability frameworks. It argues that ESG integration should not be treated as a separate reporting exercise or a narrow compliance requirement. Instead, ESG considerations should be incorporated into corporate governance, credit assessment, portfolio management, capital allocation, product development, risk management, and strategic planning. The analysis identifies major opportunities in green and transition finance, financial inclusion, improved risk management, access to international capital, innovation, and reputational strengthening. At the same time, it highlights material risks arising from data limitations, greenwashing, transition uncertainty, regulatory fragmentation, additional compliance costs, and the possibility of excluding economically important sectors or vulnerable borrowers.

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