首页 | VOA慢速英语 | 经济报道 - 【经济报道】Banks Required to Assess Environmental, Social Goals in Vietnam 银行要求评估越南的环境和社会目标
【经济报道】Banks Required to Assess E 本站原创 更新时间: 2019-11-26         

For several years, the worldwide financial crisis that began in 2008 had little effect on Vietnam's banks. That is not because its banks were stronger than the U.S banks that created the crisis. It was mostly because of the country's lack of international trade.

But today, Vietnam does much more trade around the world. And the government is taking steps to make sure its banks can deal with a financial shock.

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几年来,始于2008年的全球金融危机对越南的银行影响不大。 那不是因为它的银行比造成这场危机的美国银行要强大。 这主要是因为该国缺乏国际贸易。

但是今天,越南在世界范围内进行了更多的贸易。 政府正在采取措施,以确保其银行可以应对金融冲击。


The government, for example, is asking banks in Vietnam to look at environmental, social and governance risks, ESG, when considering credit risk. The State Bank of Vietnam says that every bank will create a unit for ESG analysis by 2025. ESG risk must be considered in all decisions.


例如,政府正在要求越南的银行在考虑信贷风险时考虑环境,社会和治理风险,即ESG。 越南国家银行表示,到2025年,每家银行都将创建一个部门进行ESG分析。在所有决策中都必须考虑ESG风险。


Seventeen banks in Vietnam have set up these units to analyze the environmental and social effects of their lending. Twenty-five banks have made such analysis so far, the central bank said.

Nguyen Quoc Hung is a director of credit policies at the State Bank of Vietnam. Nguyen said Vietnamese banks are ready to create "sustainable finance," which is important for finding new business opportunities.

The push for banks and other businesses to consider their effects on the environment has created new expressions like "green finance" and "green bonds." Green finance means, for example, giving a loan to a business that provides wind power.

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越南的17家银行已设立这些部门,以分析其贷款的环境和社会影响。 迄今为止,已有25家银行进行了此类分析。

阮国雄是越南国家银行信贷政策总监。 阮说,越南银行已经准备好建立“可持续金融”,这对于寻找新的商业机会很重要。

这项举措促使银行和其他企业考虑其对环境的影响,创造了“绿色金融”和“绿色债券”等新表述。 例如,绿色金融意味着向提供风力发电的企业提供贷款。


Green finance is important to Vietnam; it considers itself one of the countries most threatened by the effects of climate change.

The government is strengthening its banks because of its membership in the Sustainable Banking Network, SBN. That is a group of 38 developing countries pushing ESG rules. The World Bank's International Finance Corporation also supports the group.


绿色金融对越南很重要; 它认为自己是受气候变化影响最大的国家之一。

由于其加入了SBN可持续银行网络,因此政府正在加强其银行的发展。 有38个发展中国家在推动ESG规则。 世界银行的国际金融公司也支持该组织。


The 38 nations share ideas about green finance, said Imansyah. He is on the SBN working group. Like many Indonesians, he goes by one name.

"Sharing lessons and knowledge among members has been an important (way) to drive finance reforms," Imansyah said.

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伊曼瑟说,这38个国家对绿色金融有共同的想法。 他是SBN工作组的成员。 像许多印尼人一样,他会有一个名字去参加这个组织。

伊曼瑟亚说:“在成员国之间分享经验和教训是推动金融改革的重要(方式)。”


His country, along with China, is among the leaders of the 38 countries. Both Indonesia and China have started using many of the planned ESG policies. These include government financial support for green investments.

Vietnam may soon be among the leading countries, too. A World Bank report said of the country, "Vietnam is one of the few SBN members to require (banks) to report the quantities and values of their green loans."

Considering the social value of loans is much harder to measure. But Vietnam's banks want to avoid the kind of risky loans that led to the near-collapse of the U.S. housing market in 2008.


他的国家与中国一起,是38个国家的领导者之一。 印度尼西亚和中国都已开始使用许多计划中的ESG政策。 其中包括政府对绿色投资的财政支持。

越南也可能很快成为主要国家之一。 世界银行关于该国的报告说:“越南是少数几个要求(银行)报告其绿色贷款的数量和金额的SBN成员之一。”

考虑贷款的社会价值要难得多。 但是越南的银行希望避免那种导致2008年美国住房市场崩溃的高风险贷款。


重点词汇:

Words in This Story:

analysis- n.an examination

sustainable – adj. involving methods that do not completely use up or destroy natural resources

assess - v. to make a judgment about (something)

green – adj.person or organization that considered the good of the environment when making decisions

quantity- n. an amount of something

opportunity - n. a situation in which something can be done


链接:

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