金融聯合徵信中心企業永續績效連結授信統計趨勢資料

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」，在區隔各永續績效連結授信類別下，加總企業所有之永續績效連結授信筆數及金額。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「永續績效連結授信」係指任何型態之貸款（含直接授信及間接授信，及授予之額度。），並依授信戶（企業）是否達成遠大企圖心、實質重大和可量化的預定永續績效目標，其貸款之利率等優惠條件可能有所不同。同時符合《永續績效連結授信原則》五個核心構成因素。永續績效連結授信類別，共7項，代號為1~7，對應的永續績效連結授信類別依序為: 1.E(環境保護)、2.S(社會責任)、3.G(公司治理)、4.ES(環境保護及社會責任)、5.EG(環境保護及公司治理)、6.SG(社會責任及公司治理)、7.ESG(環境保護、社會責任及公司治理)。永續績效連結授信之未逾期及逾期金額之加總，即定義為永續績效連結授信總金額。不包含呆帳之授信帳戶。

The data source is the 'Monthly Credit Balance Report' submitted by member institutions of the Joint Credit Information Center. Under the classification of each sustainable performance-linked credit category, the total number and amount of sustainable performance-linked credit facilities of all enterprises are aggregated. Referring to relevant guidelines issued by the three associations: LMA, LSTA, and APLMA, and taking into account the practical operations of domestic financial institutions, the term 'sustainable performance-linked credit facilities' refers to loans of any type (including direct credit, indirect credit, and granted credit limits). The preferential terms such as loan interest rates may vary depending on whether the credit applicant (enterprise) has achieved its ambitious, material, and quantifiable predetermined sustainable performance goals. Such facilities shall also comply with the five core constituent elements of the *Principles for Sustainable Performance-Linked Credit Facilities*. There are a total of 7 categories of sustainable performance-linked credit facilities, with codes 1 to 7. The corresponding categories in order are: 1. E (Environmental Protection), 2. S (Social Responsibility), 3. G (Corporate Governance), 4. ES (Environmental Protection and Social Responsibility), 5. EG (Environmental Protection and Corporate Governance), 6. SG (Social Responsibility and Corporate Governance), 7. ESG (Environmental Protection, Social Responsibility, and Corporate Governance). The total amount of sustainable performance-linked credit facilities is defined as the sum of non-overdue and overdue amounts of such credit facilities, excluding credit accounts classified as bad debts.

搜集汇总

背景与挑战

背景概述

该数据集由金融联合征信中心提供，统计企业永续绩效连结授信的笔数和金额趋势，数据来源于会员机构的授信余额月报。其核心特点是基于ESG（环境、社会、治理）及相关组合的7个类别进行分类，反映企业达成永续绩效目标与授信条件的关联，并遵循国际原则，涵盖未逾期和逾期金额的总和，但不包括呆帐。