ОСОБЛИВОСТІ ФІНАНСОВИХ ІНСТРУМЕНТІВ ЗЕЛЕНОГО БАНКІВНИЦТВА НА СІТОВОМУ РИНКУ БАНКІВСЬКИХ ПОСЛУГ
Анотація
Стаття присвячена актуальній проблематиці виявлення ролі зелених фінансових інструментів на глобальному ринку банківських послуг, причин їхньої появи, основним видам та тенденціях розвитку. В статті проаналізовані основні фінансові інструменти зеленого банкінгу: зелене банківське кредитування, зелена іпотека, зелені облігації, спільне інвестування зелених банків, секьюритизація активів зелених банків. Здійснено аналіз характерних рис та особливостей застосування цих фінансових інструментів. Порівняні різні оцінки загального вартісного обсягу зелених банківських кредитів та їхню тенденцію до зростання та тлі все ж невисокої частки в загальних обсягах кредитування. В статті оцінено структуру зеленого та сталого кредитування банківських установ. Доведено наявність доволі глибоких міжрегіональних диференціацій у домінуючих формах, механізмах і рівнях розвитку індустрії зеленого банкінгу. Автор дає оцінку зростаючому попиту на зелену іпотеку як на один з пріоритетних інструментів зеленого банкінгу, а також наголошує на об’єктивній необхідності нарощування обсягів зелених облігацій. В статті надається характеристика спільному інвестуванню зелених банків та його сутності. Автор підкреслює, що у відповідь на значне зростання потреб глобальної економіки у переході на модель сталого розвитку потужного імпульсу розвитку отримала сек’юритизація активів зелених банків. Наголошено на глобальній тенденції розвитку цього фінансового інструменту на світовому ринку зелених кредитів. При цьому автор підкреслює важливість впровадження інструментів монетарної, грошово-кредитної і пруденційної політик, здатних своєчасно виявляти загрози появи зелених кредитних «бульбашок», концентрації у банківському секторі системних екологічних ризиків.
Посилання
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Leading European banks for green bonds underwriting in 2019, by value of bonds (in billion U.S. dollars). Statista. The Statistic Portal. Retrieved from: https://www.statista.com/statistics/754872/value-of-green-bonds-issued-by-selected-european-banks/
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