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A METHODOLOGICAL FRAMEWORK FOR BANKING INNOVATION: LINKING EXPECTED CREDIT LOSS MODELLING, ESMS-BASED ESG SCREENING, DIGITAL LENDING TRANSFORMATION, AND GREEN FINANCE REPORTING

銀行イノベーションのための方法論的枠組み：予想信用損失モデリング、ESMSベースのESGスクリーニング、デジタル融資変革、グリーンファイナンス報告の連携 (AI 翻訳)

Shirinova Shohsanam Sobir kizi

Zenodo (CERN European Organization for Nuclear Research)📚 査読済 / ジャーナル2026-05-04#気候金融
DOI: 10.5281/zenodo.20047254
原典: https://doi.org/10.5281/zenodo.20047254

🤖 gxceed AI 要約

日本語

本論文は、IFRS 9に基づく予想信用損失測定、ESG基準による企業信用スクリーニング、デジタル融資変革、グリーンファイナンス報告を統合した銀行向けフレームワークを提案する。複数の銀行の事例分析により、統合的アプローチが引当金の効率化、ESGカバレッジ拡大、融資迅速化、不良債権削減、国際的なグリーン資金調達に寄与することを示した。

English

This paper develops an integrated banking framework combining IFRS 9 expected credit loss modeling, ESG-based credit screening, digital lending transformation, and green finance reporting. Case evidence from commercial banks shows that the integrated approach improves reserve efficiency, ESG coverage, lending speed, non-repayment rates, and international green funding.

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

本論文は、日本の金融機関がSSBJやグリーンファイナンス報告に対応する際に、ESGスクリーニングとデジタル化を統合する実践的な枠組みを提供する。日本でもグリーン融資の透明性向上が求められており、参考となる。

In the global GX context

This paper offers a practical framework for banks to integrate ESG screening, digital transformation, and green finance reporting, aligning with global trends like ISSB and CSRD. It demonstrates how combining credit risk and sustainability can enhance transparency and attract transition finance.

👥 読者別の含意

🔬研究者:Provides a testable integrated model for studying the synergies between credit risk, ESG, and digital lending.

🏢実務担当者:Offers a blueprint for banks to design a unified system linking provisioning, ESG screening, and green reporting.

🏛政策担当者:Suggests regulatory implications for integrating ESG into prudential frameworks and green finance reporting standards.

📄 Abstract（原文）

This paper develops an integrated framework for banking innovation in the digital economy by linking forward-looking expected credit loss measurement, ESG-based corporate credit screening, digital decision-making, and green finance monitoring. Using implementation evidence reported for selected commercial banks, the study examines four mutually reinforcing mechanisms. First, it refines portfolio-level expected credit loss estimation under IFRS 9 through a macro-scenario-sensitive and probability-aware approach to ECL measurement. Second, it embeds an environmental and social management system into corporate credit screening on the basis of ESG criteria. Third, it builds a digital decision architecture that combines investment analytics with end-to-end lending transformation in order to improve asset allocation, accelerate decisions, and reduce problem loans. Fourth, it introduces a digital monitoring product for green projects that strengthens reporting transparency and supports the mobilization of international financing. The reported case evidence indicates lower reserve intensity in relation to the loan portfolio, broader ESG screening coverage, better forecasting accuracy and portfolio performance, faster lending decisions, lower non-repayment, and additional international funding for environmentally friendly projects. The paper argues that banking innovation delivers stronger managerial results when provisioning, sustainability screening, process digitalization, and reporting infrastructure are designed as one integrated system rather than as isolated initiatives.

🔗 Provenance — このレコードを発見したソース

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