Capgemini-从风险到韧性：将气候智能融入金融决策-在受气候影响的世界中重新构想金融服务（英）-2025.pdfVIP

Fromrisktoresilience:

Embeddingclimateintelligence

infinancialdecisions

Reimaginingfinancialservices

inaclimate-influencedworld

Whyclimateriskisthenewcreditrisk

Climateriskhasmovedfromtheheadlinesintotheeffectseventuallylandinlenders’portfoliosas

balancesheetsoffinancialinstitutions.Fordecades,increaseddefaultriskandreducedReturnonEquity.

creditmodelsandfinancialstresstestshavehelped

Even“stablelending”–includingfinancingsustainable

institutionsdecidewhotolendto,wheretoinvest,and

operationsortransitionprojects–carriesclimaterisk.

howtooptimizetheirfinancialresources.Butthenext

Aborrower’snet-zerotransitionplancanfalterifsupply

majorriskfactorisn’taboutcreditworthinessormarket

chainscollapse,newtechnologiesunderperformor

volatility.It’saboutsomethingevenlesspredictable:

extremeweatherinterruptsoperations.Whenthat

theclimate.

happens,thebankcarriesthedefaultrisk.

Climaterisksdon’tstopattheflood,fireordrought

itself.Theyrippleoutward,disruptingsupplychains,

cuttingoffaccesstorawmaterialsanddelaying

production.AhurricaneintheGulfofMexicodoesn’t

justdamageproperty–ithaltsshipmentsofchemicals

andplasticsusedworldwide.AdroughtinLatinAmerica

doesn’tjustaffectcrops–itdrivesupinputcostsfor

foodcompaniesacrosstheglobe.Thosedownstream

2Fromrisktoresilience:Embeddingclima