金融業之永續發展探討--以國泰金控為例

Abstract

在世界經濟成長的同時，也帶來許多環境危機，像是氣候變化日益嚴峻、生物多樣性耗損、資源枯竭，甚至是四年前突如其來的全球肺炎疫情肆虐，種種衝擊與挑戰迎面而來。在多重因素影響之下，促使永續發展概念成為全世界各國企業都必須正視的問題，大型機構紛紛提出國際倡議，各國政府也在論壇中呼籲民眾關注永續議題，與此同時，臺灣政府為接軌國際永續行動，也提出相關永續計畫，舉凡「綠色金融行動方案」、「公司治理3.0-永續發展藍圖」因應而生，可以看出臺灣政府對於企業推行永續發展賦予重望，並期盼金融業能夠發揮影響力，帶動整體社會的永續意識。 本研究以臺灣本土金融業在企業永續方面深耕已久，且永續專責單位之金控企業永續委員會相當健全，堪稱金融業界領導型標竿企業的國泰金控，作為主要研究對象，透過與其金控企業永續委員會之員工訪談，以及永續報告書、報章雜誌等次級資料的蒐集，分析國泰金控在企業永續的實際作為，最後歸納統整出國泰金控企業永續成功因素，盼能提供臺灣金融產業從業人員與管理階層在發展永續時的參考與研究的方向，期待臺灣金融體系能夠負起責任與社會共榮，為下一代創造更好的環境與無限未來。

While the world's economy has been growing, it has also brought numerous environmental crises. These include increasingly severe climate change, biodiversity loss, resource depletion, and even the sudden global pandemic of COVID-19 that emerged four years ago. Faced with these various impacts and challenges, the concept of “sustainable development” has become an issue that all countries and businesses around the world must deal with. Major organizations have proposed international initiatives, and governments of different countries have called on the public to pay attention to sustainability issues in forums. At the same time, the Taiwanese government has put forward related sustainability plans to align with international sustainable actions. Initiatives such as the "Green Finance Action Plan" and the "Corporate Governance 3.0 - Sustainable Development Blueprint" have been introduced. This demonstrates the Taiwanese government's high expectations for businesses to implement sustainable development and its hope that the financial industry can exert influence and drive overall societal sustainability awareness. This study focuses on Cathay Financial Holding, a leading benchmark in the financial industry in Taiwan, which has long been committed to corporate sustainability. Also, the company has a well-established sustainability committee. Through interviews with employees of the sustainability committee and the collection of secondary data such as sustainability reports, newspapers, and magazines, the study analyzes Cathay Financial Holding's actual practices in corporate sustainability. Finally, I summarize the success factors of Cathay Financial Holding's corporate sustainability, aiming to provide guidance and research directions for professionals and management in Taiwan's financial industry in their pursuit of sustainability. It is hoped that the Taiwanese financial system can assume responsibility and achieve shared prosperity with society, creating a better environment and an unlimited future for the next generation.