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Integrating sustainability into property risk assessments for market transformation

机译:将可持续性纳入财产风险评估以进行市场转型

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One way to increase the demand for sustainable buildings is through the description, assessment, and communication of their economic advantages and reduced risks in comparison with conventional buildings. These benefits can also be expressed through favourable lending and insurance conditions. However, a precondition is the integration of sustainability issues into the processes used by the financial and insurance industries for assessing property assets (e.g. risk assessment, rating, and valuation). Thus, the valuation and property rating process itself and those involved with it have a key role. Due to new international banking capital adequacy rules (Basel II), property rating and risk assessment systems are being further developed and implemented by a number of European banks. To some extent, these systems already contain direct or indirect approaches for integrating sustainability issues. Test-ratings reveal banks' existing methodologies, instruments, and criteria for assessing property assets (as well as their cash flow generation) can be harnessed to express and communicate the advantages and benefits of sustainable buildings. The inclusion of sustainability-related rating criteria sends out an important signal to the property market and holds a huge potential for market transformation. However, the property-rating process should be linked more closely to and underpinned by the results of existing assessment methods and instruments developed by the sustainable building community.
机译:与传统建筑相比,增加对可持续建筑需求的一种方法是通过描述,评估和交流其经济优势和降低的风险。这些好处也可以通过有利的贷款和保险条件来体现。但是,前提条件是将可持续性问题整合到金融和保险业用于评估财产资产(例如风险评估,评级和评估)的流程中。因此,估值和财产评估过程本身以及与之相关的过程都具有关键作用。由于新的国际银行资本充足率规则(巴塞尔协议II),许多欧洲银行正在进一步开发和实施房地产评级和风险评估系统。在某种程度上,这些系统已经包含用于集成可持续性问题的直接或间接方法。测试评级揭示了银行现有的评估房地产资产的方法,工具和标准(以及其现金流量的产生),可以用来表达和传达可持续建筑的优点和好处。纳入与可持续性相关的评级标准向房地产市场发出了重要信号,并具有巨大的市场转型潜力。但是,房地产评估过程应与可持续建筑社区开发的现有评估方法和工具的结果紧密联系,并以其为基础。

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