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| Title: | 中小企業專業銀行永續作為的挑戰與契機: 以臺灣中小企業銀行為例
Challenges and Opportunities for Sustainable Practices in Specialized Banks for SMEs: A Case Study of Taiwan Business Bank |
| Authors: | 鄧學謙
Deng, Syue-Cian |
| Contributors: | 呂桔誠
江彌修
鄧學謙
Deng, Syue-Cian |
| Keywords: | 赤道原則
責任銀行原則
氣候相關財務揭露
臺灣中小企業銀行
Equator Principles
Principles for Responsible Banking
The Task Force on Climate-related Financial Disclosures
Taiwan Business Bank |
| Date: | 2024 |
| Issue Date: | 2024-09-04 14:01:36 (UTC+8) |
| Abstract: | ESG議題席捲全球企業，許多企業開始將 ESG議題納入決策之中，同時達到企業永續，金融業也無法在這波永續發展熱潮上置身事外，各自將 ESG嵌入自身日常營運活動及經營策略，並積極參與國際倡議，如赤道原則、責任銀行、氣候相關財務揭露等，本研究報告將描述台灣銀行業者簽署上述國際倡議情形、執行結果，以及公民營銀行在評級機構表現。
臺灣是以中小型企業為主的國家，而在臺灣的銀行業當中，臺灣中小企業銀行是我國銀行法規中，專門為中小企業提供信用的專業銀行，在提供中小企業資金鏈上扮演重要角色，本研究報告將揭露臺灣中小企業銀行如何以自身影響力協助台灣及中小企業達成永續。
最後，本研究報告發現我國金融機構在採用赤道原則、責任銀行原則、氣候相關財務揭露仍有許多可以改進及注意的地方，並提出建議供銀行業在推動永續發展時之參考。另外針對臺灣中小企業銀行，在協助中小企業時，所遭遇之困境，提供建議。盼望在政府、金融機構、企業三方攜手努力下，能夠創造一個永續的社會，留給下一代一個更美好的地球。
ESG issues are sweeping across global enterprises, with many companies starting to incorporate ESG elements into their decision-making processes to achieve corporate sustainability. The financial industry is also unable to remain aloof from this wave of sustainable development, and various institutions are embedding ESG into their daily operations and management strategies, while actively participating in international initiatives such as the Equator Principles, Principles for Responsible Banking, and The Task Force on Climate-related Financial Disclosures. This study will describe the situation of Taiwan’s banking sector signing on to the international initiatives, the execution results, and the performance of public and private banks in rating agencies.
Taiwan is an economy dominated by small and medium enterprises (SMEs). Among the banking industry in Taiwan, the Taiwan Business Bank is a specialized bank under the country's banking regulations, providing credit specifically for SMEs and playing an important role in the funding chain for SMEs. This study will reveal how the Taiwan Business Bank leverages its influence to assist Taiwan and its SMEs in achieving sustainability.
Lastly, this study finds that there are still many areas for improvement and attention for our financial institutions in adopting the Equator Principles, Principles for Responsible Banking, and Task Force on Climate-related Financial Disclosures. Recommendations are provided for Taiwan banking industry to reference when promoting sustainable development. Additionally, suggestions are offered to address the challenges faced by the Taiwan Business Bank in assisting SMEs. It is hoped that through the joint efforts of the government, financial institutions, and enterprises, a sustainable society can be created, preserving a better earth for the next generation. |
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| Description: | 碩士
國立政治大學
國際金融碩士學位學程
112zb1015 |
| Source URI: | http://thesis.lib.nccu.edu.tw/record/#G0112ZB1015 |
| Data Type: | thesis |
| Appears in Collections: | [國際金融碩士學位學程] 學位論文
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