金融聯合徵信中心個人綠色授信統計趨勢資料

資料來源為聯徵中心各會員機構所報送之「授信餘額月報資料」，在區隔各綠色支出類別下，加總個人所有之綠色授信筆數及金額。參考LMA、LSTA、APLMA三協會所發布之相關指引，並參酌國內金融機構實務運作情形，所稱「綠色授信」係指專供合格綠色專案使用之授信(可包含資產購置、投資，和其他相關及支援性支出，例如研發支出)，企業戶同時符合《綠色授信原則》四項核心構成要素。綠色支出類別，即綠色專案類別，共12項，代號為A~K及Z，對應的綠色專案類別依序為: A.再生能源、B.節能、C.污染防治、D.生命自然資源之環境永續管理及土地利用、E.地域與水域生物多樣性保護、F.潔淨交通運輸、G.永續水源及廢水處理、H.氣候變遷調適、I.具循環經濟調適之產品、生產技術或製程、J.綠能建築、K.綠色技術、Z.其他。綠色授信之未逾期及逾期金額之加總，即定義為綠色授信總金額。不包含呆帳之授信帳戶。

The data source is the "Monthly Credit Balance Reports" submitted by all member institutions of the Joint Credit Information Center. Under the classification of each green expenditure category, the number and amount of all green credit facilities held by all credit subjects are aggregated. Referring to the relevant guidelines issued by the Loan Market Association (LMA), Loan Syndications and Trading Association (LSTA), and Asia Pacific Loan Market Association (APLMA), and in reference to the actual operational practices of domestic financial institutions, the term "green credit" refers to credit facilities exclusively used for eligible green projects, which may include asset purchases, investments, and other related and supporting expenditures such as R&D expenses. Corporate borrowers must simultaneously meet the four core constituent elements of the "Green Credit Principles". There are 12 green expenditure categories, i.e., green project categories, with codes ranging from A to K and Z. The corresponding green project categories are as follows in sequence: A. Renewable Energy, B. Energy Conservation, C. Pollution Prevention and Control, D. Environmental Sustainable Management and Land Use of Living Natural Resources, E. Biodiversity Conservation in Regions and Waters, F. Clean Transportation, G. Sustainable Water Resources and Wastewater Treatment, H. Climate Change Adaptation, I. Products, Production Technologies or Processes for Circular Economy, J. Green Energy Buildings, K. Green Technologies, Z. Others. The total green credit amount is defined as the sum of non-overdue and overdue amounts of green credit facilities. Credit accounts classified as bad debts are excluded.

搜集汇总

背景与挑战

背景概述

该数据集基于金融联合征信中心会员机构报送的授信余额月报，统计了个人绿色授信的笔数和金额趋势。绿色授信依据国际指引和国内实践定义，涵盖再生能源、节能等12个类别，统计总金额包括未逾期和逾期部分，但不含呆账账户。