国际商会国际仲裁院-中小企业气候融资盘点：将雄心转化为行动（英）-2025.pdfVIP

REPORT

SMECLIMATE

FINANCE

STOCKTAKE:

20212022202320242025

TURNING

AMBITION

INTOACTION

Summary

Smallandmedium-sizedenterprises(SMEs)ambitionforsustainabilityisgrowing,butaccess

tofinanceisn’tkeepingpace.Acrossmarkets,SMEsarestrugglingtoaccessthecapitalneeded

toscaletheirsustainabilityefforts.Thisresearchfindsthatasmallgroupofmedium-sizedfirms

-especiallyinmanufacturingandtransport-arebreakingthrough,accessinggreenfinance4.1

timesmoreoftenthansmallerpeers.FormostSMEs,however,accesstofinanceremainsflat.

ThedifferenceliesinaccesstoAIanddigitaltools.Firmsusingdigitalaccounting,e-invoicing,

andAI-poweredcarbon-trackingtoolsarefarmorelikelytoreportformallyandtosecuregreen

finance.Forthemajority,fragmentedandcomplexreportingstillblocksprogress,leavingbillions

inpotentialinvestmentuntapped.

Thispapersetsoutfivepracticalactionstoclosethatdatagap,bystandardisingreporting,

expandingdigitalandAIadoption,andunlockinggreenfinanceformillionsmoreSMEs.

TheOECDdefinitionofgreenfinance(alsoknownassustainablefinance)usedinthispaper:Sustainablefinancerefers

tofinancialproducts,strategiesorfinancialmarketactivitieswhichsupportandprioritiselong-termeconomic,social

andenvironmentalobjectivesby,forexample,takingintoaccountenvironmentalandsocialdriversoffinancialreturns;

1

mitigatingadverseenvironmentalorsocialimpacts;oradvancingpositiveenvironmentalandsocialoutcomes.

SMEClimateFinanceStocktake:

TurningAmbitionintoAction