Scope 3 emissions check model for real-time consumer loan decision process (S3-ECheMo)

用于实时消费贷款决策流程的范围 3 排放检查模型 (S3-ECheMo)

• 批准号: 10031753
• 金额: $ 6.35万
• 依托单位: MODIRECT LIMITED
• 依托单位国家: 英国
• 项目类别: Small Business Research Initiative
• 财政年份: 2022
• 资助国家: 英国
• 起止时间: 2022 至 无数据
• 项目状态: 已结题
• 来源: https://gtr.ukri.org/projects?ref=10031753
• 关键词: Scope; emissions; check; model; real

S3-ECheMo is an innovative approach to scoring the environmental friendliness of consumer loan requests (based on the intended activity) and integrating the obtained information with credit risk assessments in pricing interest rates on loans. Similar to a credit check, S3-ECheMo utilises a comprehensive asset database containing a variety of assets and their associated externalities (emissions contributions or savings) based on a detailed lifecycle analysis (LCA) to prorate their culpability or contributions to 2050 Net-Zero targets as underwriters.Particularly, S3-ECheMo enables (i) underwriters to determine in real-time how much they contribute to mitigating third party emissions by evaluating their prorated contributions, (ii) underwriters pre-empt their potential vulnerability to regional transition risks by evaluating the impairment costs based on scenario analysis, (iii) underwriters to create dynamic and sustainable financing options for consumers that can earn them renewable energy credits which can be used for offsetting shortfalls elsewhere.S3-ECheMo is an environmental scoring software that seeks to operationalise transition risk in incentivising consumer lending institutions to begin rethinking their financing strategies and having in place extensive assessment schemes that provide them with a comprehensive overview of their full contributions (positive or negative) to 2050 Net-Zero targets. Additionally, S3-ECheMo also serves as an agency for national governments to subtly (and indirectly) prod consumers into leveraging finance for investing in sustainable projects by making consumer banks liable for associated Scope 3 emissions (through underwritten credit).

S3-echemo是一种创新的方法，用于评分消费者贷款请求的环境友好性（基于预期的活动），并将所获得的信息与定价利率在贷款上的信用风险评估相结合。与信用检查类似，S3-Achemo利用一个综合资产数据库，该数据库包含各种资产及其相关的外部性（排放贡献或储蓄），基于详细的生命周期分析（LCA）来制定其罪魁祸首或针对2050年零售目标的罪魁祸首作为承销商。特别是，S3-echemo使（i）承销商实时确定他们通过评估其前额的贡献来评估其潜在的区域过渡风险，从而通过评估其优先级捐款来减轻第三方排放的贡献。基于方案分析的减值成本，（iii）承销商为消费者创建动态和可持续的融资方案，这些方案可以为他们赢得可再生能源信用额度，可用于抵消其他地方的短缺。S3-Echemo是一种环境评分软件激励消费者贷款机构开始重新思考其融资策略的风险，并拥有广泛的评估计划，从而为他们提供了对2050个净零目标的全面概述（正面或负面）。此外，S3-echemo还作为国家政府的机构，通过使消费者银行对相关范围3的排放负责（通过承保信贷）负有责任，从而使消费者巧妙（和间接）生产消费者投资于可持续项目。