ESG-ПІДХОДИ ДО ЗАБЕЗПЕЧЕННЯ ФІНАНСОВОЇ СТІЙКОСТІ БАНКУ В СИСТЕМІ СТАЛОГО ФІНАНСУВАННЯ
持続可能な金融システムにおける銀行の財務安定性を確保するためのESGアプローチ (AI 翻訳)
Олена Пахненко, Анастасія Олександрівна Узлова, Гліб Олегович Міненко
🤖 gxceed AI 要約
日本語
本論文は、持続可能な金融システムへの変革下で、ESG要素が銀行の財務安定性に影響を与える6つのチャネル（リスク、情報、資金、業務効率、適応性、制度・規制）を特定した。ESGの断片的な導入ではなく、信用分析やリスク管理への系統的な統合が重要であると論じている。
English
This paper identifies six channels through which ESG factors affect bank financial stability under the transformation to sustainable finance: risk, information, financial resources, operational efficiency, adaptability, and institutional-regulatory. It argues that systematic ESG integration in credit analysis, risk management, and governance is essential, as fragmented implementation may increase costs and risks.
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
本論文のチャネル分析は、SSBJやTCFD開示が進む日本銀行業界のESG統合の検討に示唆を与える。特に、制度的・規制的チャネルは、日本銀行の気候変動対応や金融庁の監督期待と関連性が高い。
In the global GX context
The channel framework provides a structured approach for understanding ESG transmission in banking, relevant for global discussions at the Basel Committee and NGFS. It highlights that ESG impact is not automatic, a key nuance for international regulators designing sustainable finance frameworks.
👥 読者別の含意
🔬研究者:The six-channel framework offers a testable model for empirical studies on ESG and bank performance.
🏢実務担当者:Banks can use the channel analysis to identify where ESG integration strengthens financial stability.
🏛政策担当者:The institutional-regulatory channel supports the case for mandatory ESG disclosure and supervisory guidance.
📄 Abstract（原文）
The article examines ESG approaches to ensuring bank financial stability under the transformation of the sustainable finance system. The purpose of the study is to substantiate the channels through which environmental, social and governance factors influence bank financial stability. The article identifies six interrelated channels of ESG impact: the risk channel, the information channel, the financial resources channel, the operational efficiency channel, the adaptability channel and the institutional-regulatory channel. ESG factors influence bank financial stability indirectly, through changes in the bank’s risk profile, the quality of managerial decisions, the stability of the funding base, the cost of capital, stakeholder trust and the ability to withstand external shocks. The risk channel is related to the integration of ESG criteria into credit analysis and the improvement of loan portfolio quality. The information channel reflects the role of ESG disclosure in reducing information asymmetry and strengthening stakeholder confidence. The financial resources channel explains how a stronger ESG profile can improve access to funding and increase financial flexibility. ESG factors may also support bank financial stability through higher operational efficiency, better internal control, human capital development, technological resilience and cybersecurity. The adaptability channel highlights the role of ESG approaches in strengthening long-term resilience to climate, macroeconomic, regulatory, geopolitical and technological shocks. The institutional-regulatory channel reflects the transition of ESG from voluntary practices to supervisory expectations and regulatory requirements. The identified channels are consistent with the approaches of the National Bank of Ukraine to ESG risk management. It is emphasized that the positive impact of ESG approaches on bank financial stability is not automatic. Formal or fragmented ESG implementation may generate additional costs and increase operational or reputational risks. Therefore, ESG factors can strengthen bank financial stability only if they are systematically integrated into credit analysis, risk management, corporate governance, strategic planning, internal control and ESG risk disclosure.
🔗 Provenance — このレコードを発見したソース
- semanticscholar https://doi.org/10.60022/3(5)-46sfirst seen 2026-07-01 05:50:47
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gxceed は公開メタデータに基づく研究支援データセットです。要約・翻訳・解説は AI 支援で生成されています。 最終的な解釈・検証は利用者が原典資料に基づいて行うことを前提とします。