Miljöhänseende vid kreditgivning
Background: Last year (2006) has been a year when the environmental issues figured more often in the media, and the environmental awareness among common people increased. Environmental climate reports have lately been on the headline all over the world. As a result of the increasing population in th...
| Autor principal: | |
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| Formato: | Otro |
| Lenguaje: | sueco sueco |
| Publicado: |
2007
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| Materias: | |
| Acceso en línea: | https://stud.epsilon.slu.se/10874/ |
| _version_ | 1855571766785605632 |
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| author | Strömgren, Jarl |
| author_browse | Strömgren, Jarl |
| author_facet | Strömgren, Jarl |
| author_sort | Strömgren, Jarl |
| collection | Epsilon Archive for Student Projects |
| description | Background: Last year (2006) has been a year when the environmental issues figured more often in the media, and the environmental awareness among common people increased. Environmental climate reports have lately been on the headline all over the world. As a result of the increasing population in the world, it's becoming more important to be aware of the environment. To do that, it is important to maximize the efficiency in the work with the environment. During the last couple of years, banks and other credit institutions have been working with a greater awareness of the environmental issues. These banks and credit institutions have a big influence on the society which leads to a greater influence on the environment. Lending is the most important way for the banks to influence the environment. But banks and credit institutions can also make economic benefits by having an environmental policy.
Purpose: The purpose with this essay is to study if the employees, who work with credit rating, sees the environment as a risk when they do their credit analyses. With this essay, the writer also tries to find out how well the communication system at Swedbank works and how the communication can be improved.
Method: This essay is a case study of Swedbank. Five credit raters of different sex and different age have been interviewed. The interviews have been made at two branch offices, one small at the countryside and one bigger in a city.
Results: The results from this study have shown that the employees have some environmental awareness but they need to get more extensive knowledge of environmental risks that can occur. The communication at the bank works in a certain extent, but if the credit rators shall get a greater environmental awareness, Swedbank must improve their education for the credit rators. |
| format | Otro |
| id | RepoSLU10874 |
| institution | Swedish University of Agricultural Sciences |
| language | Swedish swe |
| publishDate | 2007 |
| publishDateSort | 2007 |
| record_format | eprints |
| spelling | RepoSLU108742017-09-22T11:33:18Z https://stud.epsilon.slu.se/10874/ Miljöhänseende vid kreditgivning Strömgren, Jarl Economics and management Background: Last year (2006) has been a year when the environmental issues figured more often in the media, and the environmental awareness among common people increased. Environmental climate reports have lately been on the headline all over the world. As a result of the increasing population in the world, it's becoming more important to be aware of the environment. To do that, it is important to maximize the efficiency in the work with the environment. During the last couple of years, banks and other credit institutions have been working with a greater awareness of the environmental issues. These banks and credit institutions have a big influence on the society which leads to a greater influence on the environment. Lending is the most important way for the banks to influence the environment. But banks and credit institutions can also make economic benefits by having an environmental policy. Purpose: The purpose with this essay is to study if the employees, who work with credit rating, sees the environment as a risk when they do their credit analyses. With this essay, the writer also tries to find out how well the communication system at Swedbank works and how the communication can be improved. Method: This essay is a case study of Swedbank. Five credit raters of different sex and different age have been interviewed. The interviews have been made at two branch offices, one small at the countryside and one bigger in a city. Results: The results from this study have shown that the employees have some environmental awareness but they need to get more extensive knowledge of environmental risks that can occur. The communication at the bank works in a certain extent, but if the credit rators shall get a greater environmental awareness, Swedbank must improve their education for the credit rators. Bakgrund: Det senaste året har varit ett år då miljömedvetenheten har ökat bland media och allmänheten. Alarmerande rapporter om framförallt klimatförändringar har varit en stor nyhet under den senaste tiden i hela världen. Med den ständigt växande folkmängden i världen har det blivit allt viktigare att låta miljön få en centralare betydelse i samhället. Det gäller att arbeta kontinuerligt med miljöarbetet för att kunna utveckla samhället effektivt med ett stort miljöhänsynstagande. Banker och andra kreditinstitutioner har först under senare tid börjat arbeta med större miljöhänsyn. Banker har stor möjlighet att påverka samhället att agera miljömedvetet. Just vid kreditgivning till företag har banker sin största möjlighet att påverka miljöfrågan. Här finns det möjlighet för banken att konkurrera med de andra aktörerna på kreditmarknaden för att öka dess marknadsandelar. Syfte: Syftet med denna studie är att undersöka om miljörisker är någonting som kreditbedömare tar hänsyn till vid kreditgivning. Uppsatsen försöker även undersöka hur väl Swedbanks kommunikationssystem med miljöinformation fungerar och hur kommunikationen kan förbättras. Metod: Denna uppsats bygger på en fallstudie av Swedbank. Intervjuer har gjorts med fem kreditgivare av olika kön och ålder. Intervjuerna har gjorts vid två olika kontor, ett mindre kontor vid en mindre ort och ett större kontor vid en större ort. Resultat: Resultatet från studien visar att miljömedvetenheten hos kreditbedömarna som har intervjuats är relativt sett god men kreditbedömarna borde få en ökad förståelse för miljörisker. Kommunikationen inom banken fungerar till viss del men ifall kreditbedömarna ska få en djupare förståelse för miljörisker så behöver Swedbank se över sitt utbildningssystem. 2007-07-17 Other NonPeerReviewed application/pdf sv https://stud.epsilon.slu.se/10874/1/stromgren_j_170922.pdf Strömgren, Jarl, 2007. Miljöhänseende vid kreditgivning : en fallstudie av Swedbank. UNSPECIFIED, Uppsala. Uppsala: (NL, NJ) > Dept. of Economics <https://stud.epsilon.slu.se/view/divisions/OID-510.html> urn:nbn:se:slu:epsilon-s-7087 swe |
| spellingShingle | Economics and management Strömgren, Jarl Miljöhänseende vid kreditgivning |
| title | Miljöhänseende vid kreditgivning |
| title_full | Miljöhänseende vid kreditgivning |
| title_fullStr | Miljöhänseende vid kreditgivning |
| title_full_unstemmed | Miljöhänseende vid kreditgivning |
| title_short | Miljöhänseende vid kreditgivning |
| title_sort | miljöhänseende vid kreditgivning |
| topic | Economics and management |
| url | https://stud.epsilon.slu.se/10874/ https://stud.epsilon.slu.se/10874/ |