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保險公司龍頭警告，氣候危機正走向摧毀資本主義的道路
Climate crisis on track to destroy capitalism, warns top insurer
Allianz board member Günther Thallinger warned that extreme climate-related losses are increasingly beyond what the insurance industry can absorb. Without insurance coverage, key financial activities such as mortgages, investments, and infrastructure financing could collapse, posing a fundamental threat to the viability of capitalism. He stated that if global temperatures reach 3°C, many high-risk regions will become “uninsurable,” and markets will undergo rapid and severe repricing. This risk extends beyond housing to agriculture, transportation, and industry, potentially wiping entire economic values off financial ledgers — a climate-driven market failure. Reports show that extreme weather caused $2 trillion in damages between 2013 and 2023, with another $400 billion in 2024. In Australia, disaster recovery spending has surged sevenfold over six years, reflecting the accelerating pace of climate impacts. Thallinger also criticized the retreat of some financial institutions from climate action following former U.S. President Donald Trump’s election, during which he dismissed such efforts as a “green scam.” This political shift weakened momentum at a critical time. “The cost of inaction is far greater than the cost of transition and adaptation,” Thallinger emphasized. Although clean energy technologies already exist, he stressed that what’s lacking is the necessary speed and scale of implementation. He urged the financial sector to prioritize sustainability goals equally alongside financial ones, warning that without this shift, the basic conditions for markets and civilization cannot be sustained.
Allianz 董事 Günther Thallinger 警告，極端氣候災害造成的損失正超出保險業可承擔的範圍，保險無法覆蓋風險，將導致房貸、投資、基礎建設等金融活動無法運作，對整個資本主義體系構成根本性威脅。他指出，若全球升溫達到 3°C，許多高風險地區將變得「無法投保」，市場將因資產重估而劇烈動盪，不只侷限於住宅，也涵蓋農業、交通、工業等領域，經濟價值將從金融帳上消失，形成氣候驅動的市場失靈。 報告指出，2013 至 2023 年間的氣候災損已高達 2 兆美元(66兆 1400億新台幣)，2024 年又新增 4000 億美元(13兆2280億新台幣)，如澳洲的災後支出在六年間暴增七倍，反映災害強度與頻率正快速上升。此外，Thallinger 批評，部分金融機構在美國前總統川普上任後，因其稱氣候行動為「綠色騙局」而退縮，削弱了本應擴大的氣候行動力道。他強調：「不作為的代價遠高於轉型與調適的成本。」儘管能源轉型所需技術已經具備，Thallinger 認為當前欠缺的是足夠的行動速度與規模，他呼籲將永續目標與財務目標並列，否則市場與文明的基本運作將無法維持。
上架時間: 2025-05-29 14:33:54
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