Ingqwalaselo yeebhanki ezihlaza
Imizekelo yezibophelelo ezimhlophe ziquka iiprojekthi ezinxulumene namanzi ahlambulukileyo, amandla avuselelweyo, ukusebenza kakuhle kwamandla, ukubuyiswa komlambo / ukuhlala kwendawo, ukufumana umhlaba, okanye ukunciphisa impembelelo yenguqu yemozulu.
Iimali ezincinci zemali-mali zityalomali inxalenye yeengxowa-mali zazo kwizizathu ezinjalo, kodwa iimali ezibolekileyo ezibolekileyo zizityaliswe ngokukodwa kumanyathelo angqongileyo. Iibhondi eziluhlaza zihlala zinexabiso elifanayo lekhredithi njengoko ezinye izibophelelo zetyala.
Izinzuzo
Iibhondi eziluhlaza zinika abatyalo-mali indlela yokufumana imali engenayo yentlawulo kunye nokufumana ukwaneliseka ngokwazi ukufumana imali yokutsalwa kwabo mali kuya kusetyenziswa ngendlela efanelekileyo. Abaxhasi nabo bayazuza, ekubeni i-angle engacacileyo inokukunceda ukutsala i-subset entsha yabatyalisi-kunye nemfuno ephezulu, ngokufanayo, ilingana neendleko eziphantsi zokuboleka. I-Institutionalinvestor.com ibika ukuba bekukho iibhilidi ezi-35.8 zeebhanki eziluhlaza ezigqityiweyo ngoSeptemba 2014, ngokukhutshwa okukhulayo ngokukhawuleza ngo-2014 kunye namazinga ka-2013
I-Issueer yokuqala yeebhondi ezihlaza
Iqumrhu lokuqala lokukhupha iimbophelelo ezinjalo yiBhanki yehlabathi, eyaqala ukusebenza ngo-2008 yaye ikhuphe ngaphezu kwe-$ 3.5 yezigidi kwiityala ezikhethiweyo kwimicimbi ephathelele kutshintsho lwemozulu.
UGinnie Mae kunye noFannie Mae baye bakhupha i- mortgage-backed securities neleta "eluhlaza", njengoko i-Bank yaseYurophu yokuTyala. Oomasipala base-US baye bakhupha izibophelelo ngenjongo ethile yokuxhasa iiprojekthi zendalo kwimiba emininzi, nangona ngokuqhelekileyo kungekhona ngegama eliluhlaza oluchanekileyo.
Sekunjalo, iibhondi zeebhiliyoni ezi-1.7 zeebhondi zikhutshwe kuloluhlu kwinqanaba lokuqala lika-2013.
I-First Green Green Bond
Iqela lokuqala lase-US lokusebenzisa eli thuba elithile laliyi-Commonwealth yaseMassachusetts, leyo ngoJuni 2013 ithengise i-$ 100 yezigidi zeminyaka engama-20 echazwa ngokuba yi-"bonds green". I-Commonwealth ihlose ukuchaza ngokucacileyo ukuba yeyiphi iiprojekthi ezixhaswe ngemali kunye nezibophelelo. , ukubonelela abatyalo-mali abanoluntu ngeendlela zokulandelela indlela imali esetyenziswa ngayo.
Oku kubalulekile ukuqwalasela ukususela ekubeni iindawo ezithile zokutsalwa kotyalo "oluhlaza" kucacile ukuba zichazwe. Ukukhutshwa kwabonakala kukuthandwayo phakathi kwabantu ngabanye kunye namaziko anyanzelekile, ngomqulu, ukunikezela isabelo semali yabo kwiingxowa-mali eziluhlaza. Impumelelo yeMassachusetts umcimbi inokubangela ukuba amanye amazwe kunye noomasipala balandele okufanelekileyo kwiinyanga kunye neminyaka ezayo.
Ngokuqhelekileyo, kunengqiqo ukulindela ukuba iibhondi eziluhlaza ziza kubuyisa imbuyekezo yexesha elide ngokuhambelana nemiba karhulumente enikwe ukuba ukuphuma kwemali ngokubanzi kubakho kwiiprojekthi ezixhaswa nguRhulumente. Kwixesha elifutshane, nangona kunjalo, ukusebenza kungase kube ngaphantsi kwetyala likarhulumente ngenxa yokuthengwa kweebhanki eziluhlaza.
Ngaba ngabaTyalo-mali ngabanye bangakwazi ukuthenga iiFund Bond Green?
Ngo-Oktobha 31, 2013, i-Calvert Investments yasungula iNgxowa-mali yeCalvert Green Bond, eqhuba umsebenzi phantsi kweCaffer CGAFX. Inkcazo epheleleyo yenkxaso-mali iyafumaneka apha. Khumbula, nangona kunjalo, ukuba le ngxowa-mali entsha isebenzisa isicwangciso esingakhange sifumaneke, ngoko ke inokuhlawula ukunika isikhwama ithuba lokuphuhlisa irekhodi lomculo.
Abatyalomali banakho ukukhetha imali ebanzi enoxanduva loluntu. Ayikho imali eninzi yekhonkco ekhoyo kule ndawo, njengokuba iimali zesikhwama zenza ubuninzi be-ESG (indawo yendalo, yentlalo kunye nolawulo) yonke indawo. Nangona kunjalo, ezinye zezigqibo ezikhoyo ziquka i-Fund ye-BIAA-CREF yeNgxowa-mali yeNtlalo yeNtlalo (TSBIX), iNgxowa-mali ye-Domini yeBond Social (DFBSX), i-Parnassus Fixed-Income Fund (PRFIX), i-CSIFX ye-Bonds Portfolio A (CSIBX) i-Praxis Intermediate Income Fund (i-MIIAX) , kunye nalabo bafuna ukhetho olukhuselekileyo, iNgxowa-mali ye-Pax World Yield Bond Fund (PXHAX).
Ukongezwa kwangoku kwiiKhwama zeGreen Bond
Ngo-2015, amabini amanqwanqwa angama-inshorensi amakhulu e-Yurophu, i-Allianz SE kunye ne-Axa SA, iqalise imali yokubophelela eluhlaza, njengoko kwenza i-State Street Corporation. Ngo-2016, imithombo yamashishini yeendaba yachaza ukuba i-Blackrock
Ngo-2016, imithombo yamaphephandaba yenkampani yabika ukuba i-Blackrock, eyona mlawuli omkhulu we-asethi yehlabathi, yayilungiselela ukungena kwintsimi ye-bond bond. Imiphumo embi yolu phulo lomdla kukuba ngowama-2016 ingxaki ephumayo kubaphathi bezezibonelelo kukunyuka kwetyala eliluhlaza ukuthenga.