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瞄准环保产业,RateSetter推出澳洲首个绿色信贷市场

比尔·克林顿曾将全球变暖描述为“有生以来最大的经济机遇”。

RateSetter认真考虑了这番言论,并在近日推出了澳大利亚首个绿色信贷市场,同时还从政府清洁能源金融公司(Clean Energy Finance Corporation,CEFC)处获得了2000万美元的种子轮融资。有了政府的加持,RateSetter希望能使绿色投资盈利。

新市场将为投资者与想要涉足“绿色技术”的借款人牵线。绿色技术的合规要求将由RateSetter按行业及政府指南判定。

双方均希望这一市场将有一举两得之效:可为投资者带来收益,同时降低温室气体排放量。

RateSetter预计平均收益将为7%,贷款期限为3-7年。然而,该公司强调实际比率将由投资者决定。

绿色投资这一资产类别近十年来人气不断攀升。全球可持续发展投资联盟(The Global Sustainable Investment Alliance)2016年的一份报告显示,2014年到2016年,澳大利亚及新西兰环境概念相关融资总金额有1480亿美元上升至5160亿美元。报告还显示,澳大利亚及新西兰是环境相关投资增长最为迅速的市场之一。

其欢迎度受多种因素驱动,其中政治因素最为显著。学界活动家及Greenpeace与350.org等环保组织一直在游说金融机构舍弃化石燃料公司,视图取消自然资源行业的“社会许可”。政府行动同样业发挥了重大作用。2012年时任工党政府创办了CEFC,以引领塑造绿色能源市场。全球各政府处于同样的动机创办了绿色投资银行。

With government help, RateSetter hopes to make green investment profitable.

Bill Clinton once described global warming as “the greatest economic opportunity of our lifetime”.

And RateSetter has taken him seriously, unveiling Australia’s first green loan marketplace, seeded with $20 million from the government’s Clean Energy Finance Corporation.

“This… offers the potential to improve the marketability of green assets by bringing purchasers, installers, and manufacturers closer together,” said Ian Learmonth, CEO of CEFC.

“There have been green loans before, and there has been peer-to-peer lending, but combining the two into one platform is an Australian first.”

The new marketplace will match investors with borrowers looking to take up “green technologies”. What qualifies as green technology will be determined by RateSetter in accordance with industry and government guidelines.

Both parties hope the marketplace will hit two birds with one stone: providing returns for investors while lowering greenhouse gas emissions.

RateSetter estimates that average returns will be 7 percent and loan tenure 3 - 7 years, although the company emphasises that actual rates will be determined on the day by its investors.

“This… showcases the exciting opportunities for both businesses and consumers when Government agencies such as the CEFC team up with the fintech sector,” said Daniel Foggo, CEO of RateSetter Australia.

“For the first time, everyday investors have direct access [to] attractive returns from a green asset-class, while green borrowers are rewarded with great rates.”

Green investments as an asset class have been rising in popularity this decade. A 2016 report from The Global Sustainable Investment Alliance found the total amount invested in funds with environmental principles had grown from $US148 billion to $US516 billion across Australia and New Zealand from 2014 - 2016. It also found the ANZ was one of the fastest growing markets for environmentally conscious investment.

Their popularity is being boosted by a number of factors, the most prominent of which is political.

University campus activists and environmental pressure groups - like Greenpeace and 350.org - have been lobbying financial institutions to divest from fossil fuel companies, trying to take away the “social license” of extractive industries.

Government initiative has also played a big role. The CEFC itself was created in 2012 by the then-Labor government as a guiding hand to shape green energy markets. Governments worldwide have created green investment banks with the same motivation.


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