台灣綠色房貸之市場趨勢與可行性分析 綠色房貸是金融業的一項新產品領域，節能減排理念源自於環保意識及全球氣候變遷議題。赤道原則是專案融資中，金融機構的黃金準則，對全球金融服務具廣泛的影響。金融機構內部化授信規範，並運用建築環評系統，對於「雙高」產業嚴格把關，共同創造全球性的永續發展生活社區。台灣處於開發中國家，借鏡發展綠色金融成熟的國家-美國、日本，以及比較中國等國家的綠色發展經驗，學習節能減排的經濟發展效益，了解市場趨勢，並透過金融機構中間者角色，有效降低「綠色房貸」門檻，評估其可行性。企使台灣政府、企業、人民更清楚瞭解綠色房貸對節能減排的重要性，進而採行有力作為共同達成台灣成為永續發展社區的長遠目標。 Green Mortgage in Taiwan：Trend and Feasibility “Green Mortgage” is a new product to banking industry territory and “Energy–saving and Emission-reduction” is originated from global eco-friendly concept and climate change issues. Equator Principles (EP) are generally adopted by world-wide banking industry as golden rules to process loaning projects with great EP influence. Banking industry has also applied its built-in credit survey system to screen out “double-high industries”, according to severe environmental evaluation standards. So banking industry is able to establish a global sustainable development living community by these jointly efforts. Taiwan is at emerging stage, so we need to reproduce mature “Green Eco-banking” successful examples from Japan and the United States, and compare with China “Green-Development” experiences to learn more on “Energy–saving and Emission-reduction” & “Green-Economy Development” benefits, get more familiar with Taiwan banking market trends, lower the threshold of “Green-Mortgage” through banking system as media and conduct “Green-Mortgage” feasibility analysis. We anticipate that Taiwanese governing officials, corporations, residents be more aware of the importance of “Green-Mortgage” and its influence on “Energy–Saving and Emission-Reduction”. We urge that more effective measurements be prompted to achieve Taiwanese long-term sustainable development community goals.
