THE STRATEGIC ROLE OF GREEN BANKING IN PROMOTING GLOBAL ENVIRONMENTAL SUSTAINABILITY
グリーンバンキングの戦略的役割：地球環境の持続可能性の促進 (AI 翻訳)
Pardeshi, Mahesh
🤖 gxceed AI 要約
日本語
本論文は、グリーンバンキングが金融セクターにおいて環境持続可能性を核に据え、気候変動対策と長期的な経済強靭性を促進する変革的アプローチであると論じる。インド準備銀行（RBI）の規制やパリ協定などのグローバル枠組みから発展し、再生可能エネルギー向けグリーンローンやペーパーレス化などのエコフレンドリーな製品・サービスを提供する。デジタル化により資源消費を削減し、炭素排出量を20-30%削減した事例を示す。課題もあるが、ESG基準への適合やブランド価値向上などの利点が強調される。
English
This paper explores green banking as a transformative approach integrating environmental sustainability into core banking operations. It traces its evolution from RBI regulations to global frameworks like the Paris Agreement, highlighting eco-friendly products such as green loans and digital platforms that reduce paper usage by up to 90% and carbon emissions by 20-30%. The paper concludes that green banking aligns finance with planetary boundaries, driving inclusive growth and a low-carbon economy.
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
インドのグリーンバンキング事例は、日本国内でも参考になるが、規制環境や市場構造が異なるため、直接的な適用には注意が必要。しかし、金融機関の環境リスク評価やESG投融資の促進策として示唆に富む。
In the global GX context
This paper contributes to understanding how financial institutions can drive sustainability through operational and product innovations. It aligns with TCFD and ISSB frameworks by emphasizing environmental risk assessment and disclosure in lending.
👥 読者別の含意
🔬研究者:Provides a conceptual framework and case studies of green banking implementation for researchers studying sustainable finance.
🏢実務担当者:Offers insights on eco-friendly products and digital transformation for sustainability in banking operations.
🏛政策担当者:Highlights regulatory approaches like RBI's mandates and the need for supportive policies to promote green banking.
📄 Abstract（原文）
Abstract Green banking represents a transformative approach in the financial sector, integrating environmental sustainability into core banking operations to combat climate change and promote long-term economic resilience. This paper delves into the theoretical underpinnings of green banking, tracing its evolution from regulatory mandates like those issued by the Reserve Bank of India (RBI) to voluntary initiatives driven by global frameworks such as the Paris Agreement and UN Sustainable Development Goals. At its core, green banking emphasizes eco-friendly products and services, including green loans for renewable energy projects, energy-efficient mortgages, and sustainable supply chain financing. These instruments channel capital toward low-carbon initiatives, such as solar power installations and waste management systems, while discouraging funding for high- emission industries like fossil fuels. By prioritizing environmental risk assessments in lending decisions, banks mitigate climate-related financial risks, enhancing portfolio stability. A pivotal shift involves operational reforms: moving from paper-intensive processes to digital platforms like mobile banking, blockchain-based transactions, and paperless documentation. This transition slashes resource consumption—reducing paper usage by up to 90% in adopting institutions—and lowers energy demands through green-certified data centers powered by renewables. Consequently, banks achieve substantial carbon footprint reductions; for instance, leading Indian private banks have reported 20-30% emissions cuts post-digitization. Moreover, green banking fosters stakeholder engagement, educating customers on sustainable practices via green credit cards and awareness campaigns. Challenges persist, including higher initial costs and regulatory gaps, yet benefits like enhanced brand reputation and compliance with ESG (Environmental, Social, Governance) criteria outweigh them. Ultimately, green banking not only aligns finance with planetary boundaries but also drives inclusive growth, positioning the sector as a catalyst for a low-carbon economy.
🔗 Provenance — このレコードを発見したソース
- openaire https://doi.org/10.5281/zenodo.18117381first seen 2026-05-14 21:46:47
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