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“悠悠万事,唯此为大”:融资我们想要的环境

 鈥溣朴仆蚴拢ù宋筲潱喝谧饰颐窍胍幕肪
 

11月12日至13日,“联合国环境规划署金融行动机构(UNEP FI)2013年可持续金融全球峰会”在北京举办。本次峰会的主题为“融资我们想要的未来-中国、新兴市场以及全球经济”,会议邀请了来自全球政府机构、金融监管机构及金融机构及其他相关机构的400余名嘉宾,共同讨论金融与可持续发展议题。杨再平专职副会长应邀出席并担任演讲嘉宾。

11月12日,我陪同中国银监会王兆星副主席与联合国副秘书长、联合国环境规划署执行主任Achim Steiner先生举行会面,就当前国际及中国可持续金融的发展形势进行了深入探讨。随后,又带领招商银行、兴业银行、台州银行、龙江银行、云南省曲靖市商业银行五家金融机构代表与Achim Steiner先生进行了座谈,双方就可持续金融问题在中国的发展及协会在推动银行业可持续金融方面所作的工作进行了探讨。最后,Achim Steiner先生接受了《中国银行业》杂志的专访。

会议期间,我会与联合国环境规划署(UNEP)签订了合作谅解备忘录,明确了双方未来开展合作项目范围及合作模式,确立了双方战略合作关系,为今后共同开展高端的行业培训项目奠定了基础,对加强双方未来在可持续金融领域的合作具有重要意义。

11月13日,我出席主题为“使变革成为可能:将能力建设与金融部门相连”的聚焦分会并担任论坛嘉宾,与来自国际银行业的专家代表围绕可持续金融能力建设问题展开深入讨论。以下为本人现场英语发言及同传翻译整理稿,请分享。

 

Part 1.

Self-Introduction

Ladies and Gentlemen, good morning!Firstly, I would like to introduce myself and my organization. I’m Yang, Zaiping, Executive Vice President of China Banking Association. CBA is a national banking industry association and it has 4 main functions. First is self-discipline, mainly  piloting our members to provide good services to the society and to the public. Second is to protect our members rights. Third is to make coordination among our members as well as between our members and regulation authorities, other relative official agencies, consumers and publics. And the last one is to provide industry needed public services to members.

 

自我介绍:

女士们先生们,早上好!首先,请允许我对自己及我们协会做一个简单的介绍:我叫杨再平,是中国银行业协会的专职副会长。CBA是国家银行业协会,它有四项主要职能,首先是自律,主要是引领我们的会员单位向社会和公众提供良好服务;其次是维权,保护会员单位正当权利;其三是协调,即协调会员机构之间、会员机构与监管当局、相关政府机构、消费者及社会公众之间的关系;最后是服务,即在为会员机构提供行业公共服务。

 

I think today’s round table session is very significant for our country because environment problem is a serious problem facing the whole globe, in particular, facing our country currently. Thus I think discussion of this subject happens at the right time. This subject of “financing the future we want”, I believe is an exact and significant subject. What is the future we want? The most important thing among thousands of important things is environment improvement and environment protection. In Chinese, there is a saying that is hard to be expressed in English “悠悠万事,唯此为大”。I think in order to improve environment, to protect environment and to make the environment more friendly is the most important thing. Finance such future,finance the environment we want, is the biggest challenge and also opportunity for China banking industry. And thus China banking industry is very positive in such fair. Last week, we had a very important conference in Fujian province. It’s a very high level conference and CBRC took the lead. The president of CBRC, Mr. Shang Fulin gave an important speech and 29 major banks signed a joint commitment of green credit and it is called “FUZHOU Commitment”. We keep a positive attitude and I believe everything is still at the beginning and many things have to be done. I hope UNEP FI could help us to do good and be well.

 

我认为今天圆桌论坛的议题对我国意义重大。环境问题不仅是个世界性难题,更是当下中国的一大掣肘。因此,我认为对于这个议题的探讨,可谓是正当其时。今日我们的主题是“融资我们想要的未来”,在我看来,这个议题恰逢其时而又意味深长。我们的未来应该是什么样子?我想在万千重要的事情中最重要的还是保护改善我们的环境。借用中国古语,“悠悠万事,唯此为大”。我想,当下之为大者,便是保护改善我们的环境。保护改善环境,建设环境友好型社会,乃重中之重。对银行业而言,则是“悠悠万事,唯此为大”,融资我们想要的环境。这是中国银行业所面临的最大挑战和机遇。对于此项事业,中国银行业给予了充分的重视,并积极投身其中。上周,在银监会的指导下,中国银行业协会在福建举行了一场高级别的重要会议:“中国银行业化解产能过剩信贷风险暨践行绿色信贷”会议。银监会主席尚福林在会上做了重要讲话,29家主要银行签署了有关绿色信贷的共同承诺,即我们所谓的“福州承诺”。对可持续金融的发展,我们持着积极和乐观的态度。但我们也深知,一切刚刚起步,要做的事还有很多。我希望联合国环境规划署金融行动机构能助我们一臂之力,让我们做好当下事,展望未来时。

 鈥溣朴仆蚴拢ù宋筲潱喝谧饰颐窍胍幕肪
 

Part 2.

Question:What lessons have you learned and experiences to share?

问题:(在推进可持续金融的过程中)有什么经验教训分享?

 

Answer: Green finance means that we should refuse to finance programs not beneficial or even harmful to the environment. We should withdraw some programs harmful to the environment. On the other hand, we should actively finance programs that benefit environment improvement and environment protection, in particular, the advanced technology programs. But it is not easy to recognize which programs are beneficial to environment and which are not, especially hi-tech programs. Finance arrangements such as solutions and products might be more difficult. Totally speaking, to my understanding, challenges facing financial institutions are how to make our sustainable finance development sustainable. I think the essential problem and challenge may be how to balance social responsibilities and commercial opportunities. I think wise solution such as finance innovation and initiative is needed and is very significant to realize green credit and finance development more sustainable.

 

回答:所谓绿色金融,即是指我们(银行)应当拒绝或退出那些对环境无益甚至是有害的项目。同时,我们应积极支持那些有助于改善和保护环境的项目,特别是高新技术项目。然而,辨别项目对环境是否有益并非易事,尤其是对那些高科技项目来说。也正因此,对于解决方案和创新产品等问题的规划可能会更为困难。总的来说,在我看来,金融机构所面临的挑战在于怎样使支持可持续发展的金融自身可持续。挑战的核心在于如何平衡社会责任与商业机会。金融创新是明智的做法。对于实现绿色金融和金融可持续来说,这些方法不仅必要,并且效果显著。


Part 3.
Question
: What’s the way forward and what might collaboration look like?

问题:对未来发展及各机构合作有何展望?

 

Answer: Three dimensions should give power (给力). First of all, financial institutions should embrace environment risks into their comprehensive risk management. Financial institutions should also recognize and seize huge business opportunities. The second dimension is that regulations should give power. It is urgent to require and encourage the financial institutions to undertake responsibilities, and at the same time incorporate environment risk management into the comprehensive risk management. Regulators should also make some policies to forbid programs that are harmful to environment. The third dimension is that banking association should give power. 

 

回答:未来在三个方面都要给力。第一、金融机构要给力。在将环境风险纳入全面风险管控的同时,善于发现并把握商业机会。第二、监管要给力。当务之急要鼓励并要求金融机构积极的承担相应的社会责任,把环境风险的管理纳入全面风险管控。第三、银行业协会要给力。

 

Part 4.
Question:
Hard communication between sustainable finance team and customers is a big challenge and how to solve the problem?

 

问题:在推进可持续金融工作时,由于客户缺乏对绿色金融知识的了解,工作人员和客户之间的沟通是一大挑战,如何解决?

 

Answer:

Knowing your customer is very important. Getting acquainted with your community is essential for financing environment improvement. A good community public relationship is significant for sustainable finance.

 

回答:了解你的客户非常重要。要熟悉你所服务的社区,好的社会公共关系对于可持续金融的发展至关重要。 

 



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