VOA慢速英语2019 越南要求银行评估环境和社会目标

（单词翻译）

Banks Required to Assess Environmental, Social Goals in Vietnam

For several years, the worldwide financial crisis that began in 2008 had little effect on Vietnam’s banks.

数年来，始于2008年的全球金融危机对越南的银行影响不大。 

That is not because its banks were stronger than the U.S banks that created the crisis.

那不是因为它的银行比造成这场危机的美国银行要强大。 

It was mostly because of the countrys lack of international trade.

主要是因为该国缺乏国际贸易。 

But today, Vietnam does much more trade around the world.

但是今天，越南在世界范围内进行了更多的贸易。 

And the government is taking steps to make sure its banks can deal with a financial shock.

政府正在采取措施，以确保其银行可以应对金融冲击。 

The government, for example, is asking banks in Vietnam to look at environmental, social and governance risks, ESG, when considering credit risk.

例如，政府正在要求越南的银行在考虑信贷风险时考虑环境，社会和治理风险，即ESG。 

The State Bank of Vietnam says that every bank will create a unit for ESG analysis by 2025.

越南国家银行表示，到2025年，每家银行都将建立一个部门进行ESG分析。 

ESG risk must be considered in all decisions.

在所有决策中都必须考虑ESG风险。 

Seventeen banks in Vietnam have set up these units to analyze¹ the environmental and social effects of their lending.

越南的17家银行已设立这些部门，以分析其贷款的环境和社会影响。 

Twenty-five banks have made such analysis so far, the central bank said.

中央银行称，迄今为止，已有25家银行进行了此类分析。 

Nguyen Quoc Hung is a director of credit policies at the State Bank of Vietnam.

阮国雄是越南国家银行信贷政策总监。 

Nguyen said Vietnamese banks are ready to create “sustainable finance,” which is important for finding new business opportunities.

阮说，越南银行已经准备创建“可持续金融”，这对于寻找新的商业机会很重要。 

The push for banks and other businesses to consider their effects on the environment has created new expressions like “green finance” and “green bonds.”

这项举措促使银行和其他企业考虑其对环境的影响，创造了“绿色金融”和“绿色债券”等新表述。 

Green finance means, for example, giving a loan to a business that provides wind power.

例如，绿色金融意味着向提供风力发电的企业提供贷款。 

Green finance is important to Vietnam; it considers itself one of the countries most threatened by the effects of climate change.

绿色金融对越南很重要； 它认为自己是受气候变化影响最大的国家之一。 

The government is strengthening its banks because of its membership in the Sustainable Banking² Network, SBN.

由于加入了SBN可持续银行网络，因此政府正在加强本国银行的发展。 

That is a group of 38 developing countries pushing ESG rules.

有38个发展中国家在推动ESG规则。 

The World Banks International Finance Corporation also supports the group.

世界银行的国际金融公司也支持该组织。 

The 38 nations share ideas about green finance, said Imansyah.

伊曼瑟说，这38个国家就“绿色金融”互相交换意见。 

He is on the SBN working group.

他是SBN工作组的成员。 

Like many Indonesians, he goes by one name.

像许多印尼人一样，他只有单名。 

“Sharing lessons and knowledge among members has been an important (way) to drive finance reforms,” Imansyah said.

伊曼瑟说：“在成员之间分享经验和知识是推动金融改革的非常重要的（方式）。” 

His country, along with China, is among the leaders of the 38 countries.

他的国家与中国，是38个国家的领导者之一。 

Both Indonesia and China have started using many of the planned ESG policies.

许多计划中的ESG政策都已在印度尼西亚和中国开始使用。 

These include government financial support for green investments.

其中包括政府对绿色投资的财政支持。 

Vietnam may soon be among the leading countries, too.

越南也可能很快成为主要国家之一。 

A World Bank report said of the country, “Vietnam is one of the few SBN members to require (banks) to report the quantities and values of their green loans.”

一份世界银行关于该国的报告说：“越南是少数几个要求（银行）报告其绿色贷款的数量和金额的SBN成员之一。”

Considering the social value of loans is much harder to measure.

考虑贷款的社会价值要难得多。 

But Vietnams banks want to avoid the kind of risky³ loans that led to the near-collapse of the U.S.

但是越南的银行希望避免那种导致2008年美国住房市场几乎崩溃的高风险贷款。。