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Climate Change on Operational Risk: A Review and Policy Implications for Commercial Banks in Vietnam

気候変動がオペレーショナルリスクに与える影響：ベトナム商業銀行のレビューと政策的含意 (AI 翻訳)

Hang Thu Do

Zenodo (CERN European Organization for Nuclear Research)📚 査読済 / ジャーナル2026-05-07#気候リスク
DOI: 10.5281/zenodo.20069138
原典: https://doi.org/10.5281/zenodo.20069138

🤖 gxceed AI 要約

日本語

本稿は、ベトナムの商業銀行における気候変動のオペレーショナルリスクへの影響を理論的・政策的観点から検討。気候変動は独立したリスクカテゴリーではなく、伝統的な銀行リスク（特にオペレーショナルリスク）を増幅すると主張。主要な伝達経路としてインフラ、IT、人的資源、法的・評判リスク、第三者依存を特定。6つの政策提言（気候リスクの統合、データ標準化、開示ロードマップ等）を提示。

English

This paper examines how climate change impacts operational risk in Vietnamese commercial banks from a theoretical and policy perspective. It argues that climate-related risks amplify traditional banking risks, especially operational risk, identifying key transmission channels: infrastructure, IT, human resources, legal/reputational factors, and third-party dependencies. Based on Vietnam's high climate vulnerability, it proposes six policy recommendations including integrating climate risk into operational risk management, standardizing climate data, and developing a disclosure roadmap.

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

ベトナムの文脈だが、気候リスク開示のロードマップ提言は、ASEAN地域や新興国の開示実務に示唆を与える。日本企業のベトナム進出にも関連。

In the global GX context

While focused on Vietnam, this paper offers insights for emerging markets integrating climate risk into operational risk frameworks. Its disclosure roadmap recommendation aligns with global trends (ISSB, CSRD) for financial institutions.

👥 読者別の含意

🔬研究者:Provides a conceptual framework for climate-related operational risk transmission channels in banking, useful for comparative studies.

🏢実務担当者:Offers practical policy recommendations for banks to integrate climate risk into operational risk management and disclosure.

🏛政策担当者:Highlights the need for regulatory guidance on climate risk disclosure and data standardization in emerging economies.

📄 Abstract（原文）

Abstract : This paper examines the impact of climate change on operational risk in Vietnam’s commercial banking system from a theoretical review and policy-oriented perspective. It argues that climate-related risks do not constitute a standalone risk category but rather act as an amplifier of traditional banking risks, particularly operational risk. The study identifies primary transmission channels through which climate change affects operational risk: infrastructure and business continuity, IT and cybersecurity, human resources and internal processes, legal and reputational factors, and third-party dependencies. In the context of Vietnam—a highly climate-vulnerable country, the article highlights that commercial banks operate under high levels of climate exposure, while frameworks for managing climate-related operational risk remain at an early stage of development. Based on this assessment, the paper proposes six key policy recommendations, including the integration of climate risk into operational risk management frameworks, the standardization of climate-related data, and the development of a structured roadmap for climate risk disclosure. The findings contribute to the growing literature on climate risk in banking and provide practical implications for regulators and financial institutions in emerging markets.

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