{"id":2460,"date":"2025-10-20T12:03:52","date_gmt":"2025-10-20T12:03:52","guid":{"rendered":"https:\/\/vantagepoint.hu\/?p=2460"},"modified":"2025-11-04T08:09:20","modified_gmt":"2025-11-04T08:09:20","slug":"fenntarthatosag-es-hitelfelvetel-miert-kulcs-az-esg-a-banki-finanszirozasnal","status":"publish","type":"post","link":"https:\/\/vantagepoint.hu\/en\/fenntarthatosag-es-hitelfelvetel-miert-kulcs-az-esg-a-banki-finanszirozasnal\/","title":{"rendered":"Fenntarthat\u00f3s\u00e1g \u00e9s hitelfelv\u00e9tel: Mi\u00e9rt kulcs az ESG a banki finansz\u00edroz\u00e1sn\u00e1l?"},"content":{"rendered":"<p><strong>Ma m\u00e1r nemcsak a fedezet \u00e9s a cash-flow sz\u00e1m\u00edt: a bankok azt is vizsg\u00e1lj\u00e1k, mennyire fenntarthat\u00f3 egy v\u00e1llalat m\u0171k\u00f6d\u00e9se. Az ESG (k\u00f6rnyezeti, t\u00e1rsadalmi \u00e9s ir\u00e1ny\u00edt\u00e1si) szempontok fokozatosan be\u00e9p\u00fclnek a hitelb\u00edr\u00e1lati folyamatokba, ami minden v\u00e1llalat sz\u00e1m\u00e1ra \u00faj elv\u00e1r\u00e1sokat hoz.<\/strong><\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Mi\u00e9rt foglalkoznak a bankok az ESG-vel? \u2013 a fenntarthat\u00f3s\u00e1gi kock\u00e1zatok p\u00e9nz\u00fcgyi hat\u00e1sa<\/strong><br><br><\/h3>\n\n\n\n<p>Az ESG-szempontok integr\u00e1l\u00e1sa a banki d\u00f6nt\u00e9sekbe nem kommunik\u00e1ci\u00f3s trend, hanem kock\u00e1zatkezel\u00e9si sz\u00fcks\u00e9gszer\u0171s\u00e9g. A k\u00f6rnyezeti \u00e9s t\u00e1rsadalmi t\u00e9nyez\u0151k ugyanis egyre gyakrabban p\u00e9nz\u00fcgyi kock\u00e1zatt\u00e1 v\u00e1lnak.<\/p>\n\n\n\n<p>Egy energiaintenz\u00edv v\u00e1llalatn\u00e1l az energia\u00e1rak n\u00f6veked\u00e9se vagy az emisszi\u00f3s szab\u00e1lyok szigorod\u00e1sa k\u00f6zvetlen\u00fcl befoly\u00e1solhatja a m\u0171k\u00f6d\u00e9si k\u00f6lts\u00e9geket \u00e9s a nyeres\u00e9gess\u00e9get. Egy k\u00f6rnyezeti incidens vagy reput\u00e1ci\u00f3s v\u00e1ls\u00e1g p\u00e9nz\u00fcgyi vesztes\u00e9get, b\u00edrs\u00e1got vagy \u00fcgyf\u00e9lveszt\u00e9st okozhat. A gyenge v\u00e1llalatir\u00e1ny\u00edt\u00e1s pedig n\u00f6veli a jogi \u00e9s m\u0171k\u00f6d\u00e9si kock\u00e1zatokat.<\/p>\n\n\n\n<p>A bank sz\u00e1m\u00e1ra ezek mind <strong>hitelkock\u00e1zatk\u00e9nt<\/strong><strong> <\/strong>jelennek meg. Ez\u00e9rt az Eur\u00f3pai K\u00f6zponti Bank \u00e9s a Magyar Nemzeti Bank is arra \u00f6szt\u00f6nzi a p\u00e9nzint\u00e9zeteket, hogy az ESG-t\u00e9nyez\u0151ket be\u00e9p\u00edts\u00e9k kock\u00e1zatkezel\u00e9si \u00e9s d\u00f6nt\u00e9shozatali folyamataikba. A c\u00e9l az, hogy a hitelez\u00e9s t\u00fckr\u00f6zze, mennyire ellen\u00e1ll\u00f3 \u00e9s fenntarthat\u00f3 az adott v\u00e1llalat a j\u00f6v\u0151 kih\u00edv\u00e1saival szemben.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>&nbsp;<\/strong><\/h3>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Az MNB ESG-aj\u00e1nl\u00e1sa \u2013 \u00faj korszak a hitelb\u00edr\u00e1latban<\/strong><br><br><\/h3>\n\n\n\n<p>A Magyar Nemzeti Bank 2024 \u0151sz\u00e9n kiadott ESG-aj\u00e1nl\u00e1sa m\u00e9rf\u00f6ldk\u0151 a hazai finansz\u00edroz\u00e1sban. Az aj\u00e1nl\u00e1s c\u00e9lja, hogy a bankok <strong>egys\u00e9ges ESG-adatokat<\/strong> k\u00e9rjenek be a v\u00e1llalati \u00fcgyfelekt\u0151l, \u00e9s ezeket <strong>be\u00e9p\u00edts\u00e9k a hitelkock\u00e1zat \u00e9rt\u00e9kel\u00e9s\u00e9be<\/strong>.<\/p>\n\n\n\n<p>Az egys\u00e9ges ESG-k\u00e9rd\u0151\u00edv bevezet\u00e9se fokozatosan t\u00f6rt\u00e9nik:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>2025. j\u00falius 1-t\u0151l<\/strong> \u2013 500 milli\u00f3 Ft feletti \u00faj v\u00e1llalati hitelek eset\u00e9n,<\/li>\n\n\n\n<li><strong>2026. j\u00falius 1-t\u0151l<\/strong> \u2013 350 milli\u00f3 Ft felett,<\/li>\n\n\n\n<li><strong>2027. j\u00falius 1-t\u0151l<\/strong> \u2013 200 milli\u00f3 Ft felett,<\/li>\n\n\n\n<li><strong>2028. j\u00falius 1-t\u0151l<\/strong> \u2013 100 milli\u00f3 Ft felett.<\/li>\n<\/ul>\n\n\n\n<p><br>B\u00e1r az ESG-aj\u00e1nl\u00e1s nem jogszab\u00e1ly, <strong>fel\u00fcgyeleti elv\u00e1r\u00e1sk\u00e9nt<\/strong> \u00e9rv\u00e9nyes\u00fcl, \u00edgy a bankok gyakorlatilag minden nagyobb hitelk\u00e9relemn\u00e9l alkalmazni fogj\u00e1k. Ez azt jelenti, hogy egy magyar v\u00e1llalatnak a hitelfelv\u00e9tel r\u00e9szek\u00e9nt <strong>ESG-adatszolg\u00e1ltat\u00e1st is teljes\u00edtenie kell<\/strong>, \u00e9s <strong>az ESG-teljes\u00edtm\u00e9ny min\u0151s\u00edt\u00e9se<\/strong> a j\u00f6v\u0151ben hat\u00e1ssal lehet a finansz\u00edroz\u00e1s felt\u00e9teleire is.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><br><strong>Mire sz\u00e1m\u00edthatnak a v\u00e1llalatok a gyakorlatban?<\/strong><br><br><\/h3>\n\n\n\n<p>A bankok \u00e1ltal k\u00e9rt ESG-k\u00e9rd\u0151\u00edv c\u00e9lja, hogy \u00e1tfog\u00f3 k\u00e9pet adjon a v\u00e1llalat fenntarthat\u00f3s\u00e1gi \u00e9retts\u00e9g\u00e9r\u0151l \u00e9s kock\u00e1zatair\u00f3l. A k\u00e9rd\u00e9sek tipikusan az al\u00e1bbi ter\u00fcletekre terjednek ki:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Van-e a v\u00e1llalatnak <strong>ESG- vagy fenntarthat\u00f3s\u00e1gi strat\u00e9gi\u00e1ja<\/strong>, illetve kijel\u00f6lt felel\u0151se az ESG-ter\u00fcletnek.<\/li>\n\n\n\n<li>K\u00e9sz\u00fcl-e <strong>ESG- vagy fenntarthat\u00f3s\u00e1gi jelent\u00e9s<\/strong>, \u00e9s gy\u0171jtenek-e rendszeresen adatokat.<\/li>\n\n\n\n<li>Milyen <strong>k\u00f6rnyezeti kock\u00e1zatokat<\/strong> kezel a c\u00e9g \u2013 p\u00e9ld\u00e1ul energiafelhaszn\u00e1l\u00e1s, kibocs\u00e1t\u00e1sok, hullad\u00e9kkezel\u00e9s, besz\u00e1ll\u00edt\u00f3i l\u00e1nc.<\/li>\n\n\n\n<li>Milyen <strong>t\u00e1rsadalmi \u00e9s etikai elveket<\/strong> alkalmaz (pl. munkav\u00e1llal\u00f3i biztons\u00e1g, egyenl\u0151 b\u00e1n\u00e1sm\u00f3d, k\u00f6z\u00f6ss\u00e9gi hat\u00e1s).<\/li>\n\n\n\n<li>Milyen <strong>v\u00e1llalatir\u00e1ny\u00edt\u00e1si gyakorlatok<\/strong> biztos\u00edtj\u00e1k az \u00e1tl\u00e1that\u00f3s\u00e1got \u00e9s az etikus m\u0171k\u00f6d\u00e9st.<\/li>\n<\/ul>\n\n\n\n<p><br>A v\u00e1laszok alapj\u00e1n a bank \u00e9rt\u00e9keli a v\u00e1llalat <strong>ESG-\u00e9retts\u00e9g\u00e9t<\/strong>, \u00e9s ezt a kock\u00e1zati profil r\u00e9szek\u00e9nt kezeli. Egy \u00e1tgondolt ESG-strat\u00e9gia \u00e9s k\u00f6vetkezetes adatgy\u0171jt\u00e9s teh\u00e1t nemcsak a fenntarthat\u00f3s\u00e1gi megfelel\u00e9st szolg\u00e1lja, hanem <strong>konkr\u00e9t p\u00e9nz\u00fcgyi el\u0151nny\u00e9<\/strong> is v\u00e1lhat a hitelfelv\u00e9tel sor\u00e1n.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>&nbsp;<\/strong><\/h3>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>A felk\u00e9sz\u00fcl\u00e9s jelent\u0151s\u00e9ge \u2013 mit nyerhet egy v\u00e1llalat?<\/strong><br><br><\/h3>\n\n\n\n<p>Az ESG-adatszolg\u00e1ltat\u00e1sra val\u00f3 felk\u00e9sz\u00fcl\u00e9s ma m\u00e9g sok v\u00e1llalat sz\u00e1m\u00e1ra \u00faj ter\u00fclet, de k\u00f6z\u00e9pt\u00e1von a finansz\u00edroz\u00e1s egyik alapfelt\u00e9tele lesz. Az \u00e1tl\u00e1that\u00f3, rendszeres \u00e9s ellen\u0151rz\u00f6tt ESG-adatok n\u00f6velik a bank bizalm\u00e1t, \u00e9s jav\u00edthatj\u00e1k a hitelfelt\u00e9teleket.<\/p>\n\n\n\n<p>Ezzel szemben, ha egy v\u00e1llalat nem tud hiteles adatokat vagy c\u00e9lokat felmutatni, az magasabb kock\u00e1zati besorol\u00e1st, szigor\u00fabb felt\u00e9teleket vagy ak\u00e1r elutas\u00edt\u00e1st is eredm\u00e9nyezhet. Az ESG-szempontok hi\u00e1nya teh\u00e1t <strong>finansz\u00edroz\u00e1si kock\u00e1zatt\u00e1<\/strong> v\u00e1lik.<\/p>\n\n\n\n<p>Aki viszont id\u0151ben elkezdi kialak\u00edtani a bels\u0151 ESG-folyamatokat, m\u00e9r\u0151sz\u00e1mokat \u00e9s riport\u00e1l\u00e1si rendszert, az <strong>nemcsak a megfelel\u00e9st biztos\u00edtja<\/strong>, hanem a banki partnerek fel\u00e9 is er\u0151s\u00edti hiteless\u00e9g\u00e9t \u00e9s megb\u00edzhat\u00f3s\u00e1g\u00e1t.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>&nbsp;<\/strong><\/h3>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>El\u0151ny, nem teher<\/strong><br><br><\/h3>\n\n\n\n<p>Az ESG-min\u0151s\u00edt\u00e9s nem puszta adminisztrat\u00edv akad\u00e1ly, hanem lehet\u0151s\u00e9g arra, hogy a v\u00e1llalat saj\u00e1t m\u0171k\u00f6d\u00e9s\u00e9t is rendszerezze, l\u00e1that\u00f3v\u00e1 tegye kock\u00e1zatait, \u00e9s bizony\u00edtsa a j\u00f6v\u0151\u00e1ll\u00f3s\u00e1g\u00e1t.<\/p>\n\n\n\n<p>A k\u00f6vetkez\u0151 \u00e9vekben a v\u00e1llalati hitelez\u00e9s egyre ink\u00e1bb ESG-alap\u00fav\u00e1 v\u00e1lik. Azok a v\u00e1llalatok, amelyek most elkezdenek felk\u00e9sz\u00fclni \u2013 ak\u00e1r egy alapvet\u0151 ESG-kock\u00e1zat\u00e9rt\u00e9kel\u00e9ssel vagy adatgy\u0171jt\u00e9ssel \u2013, <strong>nemcsak hitelhez jutnak k\u00f6nnyebben, hanem tudatosabb, stabilabb m\u0171k\u00f6d\u00e9st is \u00e9p\u00edtenek.<\/strong><strong><\/strong><\/p>\n\n\n\n<p><\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>Ha k\u00edv\u00e1ncsi, hogyan tudjuk t\u00e1mogatni az \u00d6n c\u00e9g\u00e9t abban, hogy k\u00e9szen \u00e1lljon a bankok k\u00e9rd\u00e9seire, akkor <a href=\"https:\/\/vantagepoint.hu\/en\/esg-workshopok\/\">b\u00f6ng\u00e9sszen workshopjaink<\/a> k\u00f6z\u00f6tt.<\/p>\n<\/blockquote>","protected":false},"excerpt":{"rendered":"<p>Ma m\u00e1r nemcsak a fedezet \u00e9s a cash-flow sz\u00e1m\u00edt: a bankok azt is vizsg\u00e1lj\u00e1k, mennyire fenntarthat\u00f3 egy v\u00e1llalat m\u0171k\u00f6d\u00e9se. Az ESG (k\u00f6rnyezeti, t\u00e1rsadalmi \u00e9s ir\u00e1ny\u00edt\u00e1si) szempontok fokozatosan be\u00e9p\u00fclnek a hitelb\u00edr\u00e1lati folyamatokba, ami minden v\u00e1llalat sz\u00e1m\u00e1ra \u00faj elv\u00e1r\u00e1sokat hoz. Mi\u00e9rt foglalkoznak a bankok az ESG-vel? \u2013 a fenntarthat\u00f3s\u00e1gi kock\u00e1zatok p\u00e9nz\u00fcgyi hat\u00e1sa Az ESG-szempontok integr\u00e1l\u00e1sa a banki [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":2464,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[5],"tags":[],"class_list":["post-2460","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Hogyan seg\u00edthet egy fenntarthat\u00f3 strat\u00e9gia olcs\u00f3bb hitelhez jutni?<\/title>\n<meta name=\"description\" content=\"A banki hitelez\u00e9sben ma m\u00e1r az ESG-adatok is sz\u00e1m\u00edtanak. 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