{"id":8867,"date":"2023-10-11T10:10:00","date_gmt":"2023-10-11T08:10:00","guid":{"rendered":"https:\/\/cubeconcepts.de\/?p=8867"},"modified":"2026-04-29T12:01:31","modified_gmt":"2026-04-29T10:01:31","slug":"financovani-vazane-na-esg-udrzitelnost-v-poskytovani-uveru-je-stale-dulezitejsi","status":"publish","type":"post","link":"https:\/\/cubeconcepts.de\/cz\/esg-linked-finance-nachhaltigkeit-bei-kreditvergabe-wird-immer-wichtiger\/","title":{"rendered":"Financov\u00e1n\u00ed v souvislosti s ESG: udr\u017eitelnost je p\u0159i poskytov\u00e1n\u00ed \u00fav\u011br\u016f st\u00e1le d\u016fle\u017eit\u011bj\u0161\u00ed"},"content":{"rendered":"

V posledn\u00edch letech se finan\u010dn\u00ed sv\u011bt st\u00e1le v\u00edce zab\u00fdv\u00e1 t\u00e9matem udr\u017eitelnosti a spole\u010densk\u00e9 odpov\u011bdnosti. Investo\u0159i i spole\u010dnosti si st\u00e1le v\u00edce uv\u011bdomuj\u00ed pot\u0159ebu za\u010dlenit environment\u00e1ln\u00ed, soci\u00e1ln\u00ed a spr\u00e1vn\u00ed faktory (ESG) do sv\u00fdch rozhodovac\u00edch proces\u016f. Financov\u00e1n\u00ed spojen\u00e9 s ESG<\/strong> bude p\u0159i Poskytov\u00e1n\u00ed \u00fav\u011bru<\/strong> st\u00e1le d\u016fle\u017eit\u011bj\u0161\u00ed. <\/p>\n\n\n\n

V sou\u010dasn\u00e9 dob\u011b se nap\u0159\u00edklad bankovn\u00ed d\u016fm ING N\u011bmecko rozch\u00e1z\u00ed s firemn\u00edmi klienty, kte\u0159\u00ed nejsou schopni poskytnout p\u0159im\u011b\u0159en\u00e9 odpov\u011bdi na svou uhl\u00edkovou stopu a d\u016frazn\u011b zam\u00edt\u00e1 jejich \u017e\u00e1dosti o \u00fav\u011br.<\/strong> Tento pozoruhodn\u00fd v\u00fdvoj navazuje na zaveden\u00ed financov\u00e1n\u00ed spojen\u00e9ho s ESG. Jedn\u00e1 se o formu financov\u00e1n\u00ed, jej\u00edm\u017e c\u00edlem je postavit ekologickou a soci\u00e1ln\u00ed udr\u017eitelnost do pop\u0159ed\u00ed a t\u00edm pozitivn\u011b ovlivnit spole\u010dnost a \u017eivotn\u00ed prost\u0159ed\u00ed. <\/p>\n\n\n\n

Tak\u017ee i Bundesbanka<\/strong> v jej\u00edm \u201cPr\u016fzkum bankovn\u00edho \u00fav\u011brov\u00e1n\u00ed\u201d<\/a> pro N\u011bmecko v l\u00e9t\u011b 2023 a dosp\u011bl k z\u00e1v\u011bru, \u017ee poskytov\u00e1n\u00ed \u00fav\u011br\u016f pro podniky je st\u00e1le v\u00edce z\u00e1visl\u00e9 na jejich uhl\u00edkov\u00e9 stop\u011b. P\u0159ibli\u017en\u011b 30 dal\u0161\u00edch \u00fav\u011brov\u00fdch instituc\u00ed<\/strong> uvedli tehdy, \u017ee podm\u00ednky pro <\/strong>Firemn\u00ed nebo stavebn\u00ed financov\u00e1n\u00ed <\/strong>zp\u0159\u00edsnit opat\u0159en\u00ed pro provozy \u0161kodliv\u00e9 pro klima. Tento po\u010det se na podzim roku 2023 je\u0161t\u011b znovu zv\u00fd\u0161il. <\/p>\n\n\n\n

Podle nejnov\u011bj\u0161\u00edch zji\u0161t\u011bn\u00ed Frankfurt School of Finance, PPA a openESG mezit\u00edm vy\u017eaduj\u00ed 94 % bank<\/strong> i od mal\u00fdch a st\u0159edn\u00edch podnik\u016f ESG data, jakmile si budou \u017e\u00e1dat o \u00fav\u011br. Podniky budou rozd\u011bleny do \u201czelen\u00fdch\u201d podnik\u016f, kter\u00e9 k zm\u011bn\u011b klimatu p\u0159isp\u00edvaj\u00ed minim\u00e1ln\u011b nebo v\u016fbec, podnik\u016f v p\u0159echodn\u00e9m procesu, kter\u00e9 sice p\u0159isp\u00edvaj\u00ed, ale dosahuj\u00ed relevantn\u00edch pokrok\u016f p\u0159i p\u0159echodu na klimaticky \u0161etrn\u00e9 obchodn\u00ed procesy a tzv. hn\u011bd\u00fdch podnik\u016f, kter\u00e9 zp\u016fsobuj\u00ed vysok\u00e9 emise CO\u2082, s p\u0159echodem dosud neza\u010daly nebo dosud nedos\u00e1hly \u017e\u00e1dn\u00e9ho pokroku ve sni\u017eov\u00e1n\u00ed CO\u2082. <\/p>\n\n\n\n

Co p\u0159esn\u011b znamen\u00e1 ESG financov\u00e1n\u00ed?<\/h2>\n\n\n\n

ESG-linked finance je forma financov\u00e1n\u00ed, p\u0159i kter\u00e9 jsou podm\u00ednky \u00fav\u011bru spole\u010dnosti nebo projektu v\u00e1z\u00e1ny na pln\u011bn\u00ed krit\u00e9ri\u00ed ESG. Jsou stanoveny specifick\u00e9 c\u00edle a ukazatele, kter\u00e9 souvisej\u00ed s dosahov\u00e1n\u00edm udr\u017eiteln\u00fdch c\u00edl\u016f. Finan\u010dn\u00ed instituce \u010dasto odm\u011b\u0148uj\u00ed spole\u010dnosti nebo projekty, kter\u00e9 zlep\u0161\u00ed svou v\u00fdkonnost v oblasti ESG, lep\u0161\u00ed podm\u00ednky financov\u00e1n\u00ed<\/strong>, zat\u00edmco ti, kte\u0159\u00ed nedos\u00e1hnou stanoven\u00fdch c\u00edl\u016f, budou s vy\u0161\u0161\u00edch n\u00e1klad\u016f<\/strong> muset po\u010d\u00edtat. ESG-linked finance tak vytv\u00e1\u0159\u00ed pob\u00eddky pro spole\u010dnosti dodr\u017eovat udr\u017eiteln\u011bj\u0161\u00ed obchodn\u00ed praktiky a p\u0159eb\u00edrat spole\u010denskou odpov\u011bdnost.<\/p>\n\n\n\n

Jak se \u201cudr\u017eitelnost\u201d zav\u00e1d\u00ed do praxe?<\/h2>\n\n\n\n

Implementace financov\u00e1n\u00ed spojen\u00e9ho s ESG m\u016f\u017ee prob\u00edhat r\u016fzn\u00fdmi zp\u016fsoby. Obvykle jsou nejprve definov\u00e1na relevantn\u00ed krit\u00e9ria ESG, kter\u00e1 jsou pro spole\u010dnost nebo projekt v\u00fdznamn\u00e1. Mohlo by se jednat nap\u0159\u00edklad o sn\u00ed\u017een\u00ed emis\u00ed CO\u2082, podporu rovnosti pohlav\u00ed, pos\u00edlen\u00ed spr\u00e1vy spole\u010dnosti nebo dodr\u017eov\u00e1n\u00ed etick\u00fdch norem chov\u00e1n\u00ed.<\/p>\n\n\n\n

N\u00e1sledn\u011b jsou definov\u00e1ny c\u00edle a kl\u00ed\u010dov\u00e9 ukazatele, podle nich\u017e se bude m\u011b\u0159it v\u00fdkonnost spole\u010dnosti nebo projektu ve vztahu k t\u011bmto krit\u00e9ri\u00edm ESG. Tyto c\u00edle mohou b\u00fdt absolutn\u00ed i relativn\u00ed a li\u0161\u00ed se spole\u010dnost od spole\u010dnosti v z\u00e1vislosti na odv\u011btv\u00ed, lokalit\u011b a dal\u0161\u00edch specifick\u00fdch okolnostech.<\/p>\n\n\n\n

ESG-linked finance se m\u016f\u017ee vztahovat na r\u016fzn\u00e9 finan\u010dn\u00ed n\u00e1stroje a transakce, jako jsou \u00fav\u011bry, dluhopisy nebo p\u016fj\u010dky. Spole\u010dnosti, kter\u00e9 dos\u00e1hnou nebo p\u0159ekonaj\u00ed sv\u00e9 c\u00edle v oblasti ESG, mohou pak t\u011b\u017eit z v\u00fdhodn\u011bj\u0161\u00edch \u00farokov\u00fdch sazeb, del\u0161\u00edch splatnost\u00ed nebo jin\u00fdch finan\u010dn\u00edch v\u00fdhod. Naopak spole\u010dnosti, kter\u00e9 sv\u00fdch c\u00edl\u016f v oblasti ESG nedos\u00e1hnou, se mohou setkat s vy\u0161\u0161\u00edmi n\u00e1klady na financov\u00e1n\u00ed nebo jin\u00fdmi sankcemi.<\/p>\n\n\n\n

V\u00fdhody financov\u00e1n\u00ed spojen\u00e9ho s ESG<\/h2>\n\n\n\n

Zaveden\u00ed financov\u00e1n\u00ed nav\u00e1zan\u00e9ho na ESG p\u0159in\u00e1\u0161\u00ed \u0159adu v\u00fdhod jak pro spole\u010dnosti, tak pro investory:<\/p>\n\n\n\n

    \n
  1. Udr\u017eitelnost a odpov\u011bdnost<\/strong>. Financov\u00e1n\u00ed spojen\u00e9 s ESG podporuje udr\u017eiteln\u00e9 obchodn\u00ed praktiky a nut\u00ed spole\u010dnosti v\u00edce zohled\u0148ovat svou soci\u00e1ln\u00ed a ekologickou odpov\u011bdnost.<\/li>\n\n\n\n
  2. Lep\u0161\u00ed \u0159\u00edzen\u00ed rizik<\/strong>. Investo\u0159i mohou sn\u00ed\u017eit dlouhodob\u00e1 rizika t\u00edm, \u017ee do sv\u00fdch investi\u010dn\u00edch rozhodnut\u00ed zahrnou krit\u00e9ria ESG. Spole\u010dnosti, kter\u00e9 podnikaj\u00ed udr\u017eiteln\u011bji, jsou \u010dasto l\u00e9pe p\u0159ipraveny \u010delit budouc\u00edm v\u00fdzv\u00e1m.<\/li>\n\n\n\n
  3. Konkuren\u010dn\u00ed v\u00fdhody<\/strong>. Spole\u010dnosti, kter\u00e9 dos\u00e1hnou sv\u00fdch ESG c\u00edl\u016f, mohou t\u011b\u017eit ze zlep\u0161en\u00e9ho p\u0159\u00edstupu ke kapit\u00e1lu a pozitivn\u011bj\u0161\u00edho image u z\u00e1kazn\u00edk\u016f a obchodn\u00edch partner\u016f.<\/li>\n\n\n\n
  4. Pozitivn\u00ed dopady na spole\u010dnost a \u017eivotn\u00ed prost\u0159ed\u00ed<\/strong>. Financov\u00e1n\u00ed spojen\u00e9 s ESG pom\u00e1h\u00e1 zav\u00e1zat spole\u010dnosti k soci\u00e1ln\u011b a ekologicky odpov\u011bdn\u00e9mu jedn\u00e1n\u00ed a podporuje projekty, kter\u00e9 pozitivn\u011b p\u0159isp\u00edvaj\u00ed spole\u010dnosti.<\/li>\n<\/ol>\n\n\n\n

    Z\u00e1v\u011br<\/h2>\n\n\n\n

    Financov\u00e1n\u00ed nav\u00e1zan\u00e9 na ESG m\u00e1 potenci\u00e1l zm\u011bnit finan\u010dn\u00ed sv\u011bt a podpo\u0159it udr\u017eiteln\u00e9 investov\u00e1n\u00ed. \u00dazk\u00fdm propojen\u00edm podm\u00ednek financov\u00e1n\u00ed s pln\u011bn\u00edm c\u00edl\u016f ESG mohou spole\u010dnosti i investo\u0159i p\u0159isp\u011bt k podpo\u0159e udr\u017eiteln\u011bj\u0161\u00edho a zodpov\u011bdn\u011bj\u0161\u00edho hospod\u00e1\u0159stv\u00ed. Zat\u00edmco financov\u00e1n\u00ed nav\u00e1zan\u00e9 na ESG z\u00edsk\u00e1v\u00e1 na v\u00fdznamu, m\u011bly by b\u00fdt zavedeny dal\u0161\u00ed standardy a v\u011bt\u0161\u00ed transparentnost v definici a implementaci krit\u00e9ri\u00ed ESG, co\u017e by rovn\u011b\u017e zajistilo d\u016fv\u011bryhodnost a \u00fa\u010dinnost tohoto p\u0159\u00edstupu. V neposledn\u00ed \u0159ad\u011b je investice do c\u00edl\u016f ESG dal\u0161\u00edm stavebn\u00edm kamenem pro Firemn\u00ed marketing<\/a>. <\/p>\n\n\n\n

    <\/div>\n\n\n\n
    \n
    Dal\u0161\u00ed informace k t\u00e9matu ESG-linked finance<\/a><\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"

    Banky zp\u0159\u00eds\u0148uj\u00ed sv\u00e9 \u00fav\u011brov\u00e9 podm\u00ednky a d\u016fsledn\u011b se zbavuj\u00ed \u201ehn\u011bd\u00fdch\u201c firem bez jasn\u00e9 strategie sni\u017eov\u00e1n\u00ed emis\u00ed CO\u2082. Tento p\u0159\u00edsp\u011bvek vysv\u011btluje, jak si firmy mohou c\u00edlen\u00fdm zav\u00e1d\u011bn\u00edm ESG krit\u00e9ri\u00ed nejen sn\u00ed\u017eit n\u00e1klady na financov\u00e1n\u00ed, ale tak\u00e9 zajistit si dlouhodob\u00e9 konkuren\u010dn\u00ed v\u00fdhody a pozitivn\u00ed image u investor\u016f.<\/p>","protected":false},"author":3,"featured_media":8871,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[7,60],"tags":[],"class_list":["post-8867","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-solar-news","category-regulatorik-esg"],"acf":[],"yoast_head":"\nESG-Linked Finance | CUBE CONCEPTS<\/title>\n<meta name=\"description\" content=\"ESG-Linked Finance wird bei der Vergabe von Unternehmenskrediten immer wichtiger. 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