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Insurance Linked to Climate Risk, Green Bonds, and Carbon Markets: An Integrated Financial Instruments Perspective

気候リスク連動保険、グリーンボンド、炭素市場：統合的金融商品の視点 (AI 翻訳)

Dr. P. Periasamy, Dr Ravimohan Rajmohan

International Journal of Scientific Research in Engineering and Managementプレプリント2026-01-09#気候金融Origin: Global経営インパクト: 資金調達対象セクター: finance
DOI: 10.55041/ijsrem55927
原典: https://doi.org/10.55041/ijsrem55927

🤖 gxceed AI 要約

日本語

気候変動が金融システムに与える影響を踏まえ、気候リスク保険、グリーンボンド、炭素市場の3つの金融メカニズムを統合的に分析する枠組みを提案。欧州・インド・新興市場の事例比較とシステムモデルにより、各手段の相互連関とフィードバックループを解明。統合的導入が気候レジリエンスと価格効率を高め、金融不安定性を低減することを示す。政策調和とリスク開示の重要性を提言。

English

This paper proposes an integrated framework analyzing climate-risk insurance, green bonds, and carbon markets as a unified climate-finance ecosystem. Through comparative case studies and systems modeling, it reveals feedback loops among the instruments, showing that integrated deployment enhances climate resilience and pricing efficiency while reducing systemic financial instability. Policy implications include harmonized taxonomies and improved risk disclosure.

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開示やトランジション・ファイナンスの実践が進む中、本論文の統合的視点は、保険・債券・炭素市場を連携させた戦略立案に示唆を与える。特に、気候リスク保険とグリーンボンドの連動は、日本の企業や金融機関のリスク管理と資金調達に有用。

In the global GX context

Globally, this paper contributes to the climate finance literature by integrating three key instruments often analyzed separately. It offers a systems perspective that aligns with ISSB and CSRD disclosure trends, emphasizing the need for harmonized taxonomies and cross-instrument risk assessment, which is relevant for policymakers and financial institutions worldwide.

👥 読者別の含意

🔬研究者:Provides a conceptual framework and systems model for analyzing climate finance instruments jointly, useful for future empirical research.

🏢実務担当者:Offers insights into how integrating insurance, green bonds, and carbon markets can optimize climate risk management and financing strategies.

🏛政策担当者:Highlights the need for harmonized taxonomies and integrated policy design to enhance climate resilience and financial stability.

📄 Abstract（原文）

Abstract Climate change has reshaped global financial systems by altering risk structures, capital flows, and investment priorities. Three financial mechanisms—climate-risk insurance, green bonds, and carbon markets—have become central in supporting climate adaptation, mitigation, and resilience. Yet, despite their interdependence, scholarly work seldom analyses them together as components of a unified climate-finance ecosystem. This paper proposes a conceptual and empirical framework integrating these three instruments. We investigate how insurance mechanisms address climate-induced physical risks, how green bonds mobilize large-scale sustainable investment, and how carbon markets incentivize decarbonisation. Using a multi-layered comparative analysis, we evaluate risk–return characteristics, regulatory differences, institutional adoption, and cross-instrument linkages. Case studies from Europe, India, and emerging markets illustrate how these instruments behave under different policy settings. We also develop a systems-level model demonstrating feedback loops: insurance pricing affects carbon-intensive sectors’ premiums; carbon markets influence decarbonisation pathways, altering the creditworthiness of green-bond-financed projects; and green investments reduce long-term insurance claims by lowering physical risk exposure. Findings suggest that integrated deployment of these instruments accelerates climate resilience, enhances pricing efficiency, and reduces systemic financial instability. Policy implications include the need for harmonized taxonomies, improved risk disclosure frameworks, and blended finance structures. The paper concludes with a research agenda for modeling cross-instrument financial flows and quantifying climate-induced tail risks. Keywords Climate finance; green bonds; carbon markets; climate risk insurance; financial resilience; emissions trading; sustainable investment; risk pricing; transition risk; adaptation finance.

🔗 Provenance — このレコードを発見したソース

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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。