This article was originally published in Climate & Capital Media.在这里阅读。
美国金融公司似乎在响应气候变化而采取重大举措。除其他事项外，大型六大公司 - 摩根大通，花旗集团，富国银行，美国银行，摩根士丹利和高盛 - 通过签署净零承诺来暂停领导职位。这似乎是美国银行的一项坚定承诺，他们将把气候风险纳入其运营以及可行的投资组合中。
那么，为什么银行游说者会推迟巴塞尔银行监督委员会的拟议指导，这是自2008年金融崩溃以来全球风险问题的标准面包师？BCB建议，去年秋天，该行业发表评论，直到上个月，包括一项规定，银行主管在当前经历的压力测试银行中包括气候威胁。这些测试确保其资本储备足以应对任何未来的金融危机。
Hold on, says the American Bankers Association in its response. While the ABA "conceptually agrees" with the BCBS premise that climate-related risk should be weighed, the association believes that certain of the proposed principles are "overly prescriptive."他们的论点goes that it is "premature and counterproductive" to include consequences from climate events in assessments of financial risk. As the largest financial trade group in the U.S., the official"voice"在23.3万美元的银行业中，ABA的评论带有真正的影响力。
尽管目前反对该行业的主要游说团体看起来像是相当基本的气候风险原则，但一些美国银行不断地参与进步的计划。
Another group, The Financial Services Forum, an economic policy and advocacy organization made up of the eight largest U.S.-based financial institutions, makes a similar argument. The FSF also "welcomes" the BCBS effort "to establish guidance for banking organizations managing climate-related financial risks.” But — a big but — that support is "subject to certain changes" outlined in a detailed13-page response。In sum, the FSF反对the BCBS proposal’s climate stress testing because it could "potentially lead to adverse regulatory consequences for banks." Its statement invokes existing risk management practices as robust and more than adequate to assess climate risk. It also raises the specter of known unknowns, such as uncertain data, speculative timelines and the uncertainties of extreme weather-related events.
这些立场避开了有关气候风险的监管指南，与去年美国银行在COP26的前进中接受无数与气候相关的计划的集体热情形成鲜明对比。来自Net-Zero Banking Alliance到格拉斯哥净零金融联盟，银行家急于宣布承诺采用将气候问题纳入其风险分析的策略和实践。到2050年，全球约有450家全球金融公司的资产为130万亿美元。
目前是气候风险法规的当前后坐力是一种真正的难题的情况，基于对许多细节在制定那些雄心勃勃的承诺方面的困难，或者是典型的企业风格的务虚会，以在对动荡时期的保守反应中进行尝试和真实的做法？是自愿合规性与强制性法规的经典呼吁吗？
到2050年，全球约有450家全球金融公司的资产为130万亿美元。
尽管目前反对该行业的主要游说团体看起来像是相当基本的气候风险原则，但一些美国银行不断地参与进步的计划。最近发起的努力是由19个北美银行组成的小组气候风险财团, is working to develop common standards to integrate climate risk management throughout their operations. That mission includes helping banks create a climate risk strategy, along with common metrics and targets for reporting and benchmarking. Among the inaugural members are Bank of America, Wells Fargo, Royal Bank of Canada, U.S. Bank and Silicon Valley Bank.
并且有关监管原则的建议也在不断到来。美国办公室构成的货币审计长提供了另一套准则。“大型银行与气候相关的金融风险管理原则，”published12月，敦促将气候变化纳入“支持和管理与气候相关的财务风险，总合并资产超过1000亿美元”。OCC正在评估这些原则草案的评论。
纽约银行将从州金融服务部获得有关州监管银行的新准则应该考虑气候风险。
Like climate change itself, commitments from and principles for U.S. banks will continue to raise the ante for managing climate risk. Those stakes are indeed high: to ensure the soundness and safety of the entire U.S. (and thereby, global) financial system. Michael J. Hsu, acting comptroller of the currency, puts it plainly: "Climate change poses significant risks to the financial system." Period. Enough said.
