全球视野 | “存钱也能拯救地球”？这家美国银行正在推出“净零存款”计划

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文章《A St. Paul CDFI Is Now Offering Net Zero Banking. Here’s How It Works./圣保罗的一家社区发展金融机构（CDFI）正在推出“净零银行”服务，具体操作如下：》发布在NextCity上，作者是Hibah Ansari。文章介绍了位于明尼苏达州圣保罗的社区发展金融机构（CDFI）日出银行于2024年7月推出的“净零银行”计划。该计划允许客户选择将其存款仅用于支持减少碳排放的项目，以推动可持续发展。该计划自推出以来，已吸引了550万美元的净零存款，并发放了近2200万美元的相关贷款。

SOnce an outdoor educator, Laura Wildenborg spent 10 years taking kids on field trips to go rock climbing or cross-country skiing across the region, all to inspire children to love and care for the environment. 

劳拉·威登伯格曾经是一名户外教育工作者，她花了10年时间带领孩子们去野外攀岩、越野滑雪，只为激发他们热爱自然、关心环境的意识。 

After receiving her MBA in 2020, she made a drastic career pivot — to banking. But she brought her care for the environment along with her. 

在2020年获得MBA学位后，威登伯格做出了一个重大职业转变：她进入了银行业。但她把对环境的关注也带入了这个领域。 

“That love of the outdoors, that was such an important aspect of what I was doing, and I wanted to carry that through into my next role,” says Wildenborg, vice president of strategic lending for Sunrise Banks, a community development financial institution based in St. Paul, Minnesota. “Finding myself at a bank, I realized banks have incredible power to influence change.” 

明尼苏达州圣保罗市的社区发展金融机构日出银行（Sunrise Banks）战略贷款副总裁劳拉·威登伯格说道：“对户外自然的热爱，曾是我过去工作中非常重要的一部分。而我也希望能将这种热情，延续到下一份工作中。当我进入银行业后，我意识到，银行在推动变革方面拥有巨大的力量。” 

Wildenborg serves as a project leader for Sunrise Banks’ net zero banking initiative, which launched in July 2024. Net zero banking refers to the investment in projects that will reduce or eliminate carbon emissions. Customers of the bank can opt in and allow their deposits to be loaned out only to net zero projects. Since launching its net zero program, Sunrise Banks has received $5.5 million in deposits and has loaned out nearly $22 million. 

威登伯格是日出银行2024年7月启动的“净零银行计划”的项目负责人。净零银行是指投资于可减少或消除碳排放的项目。该银行的客户可以选择将其存款只贷款给净零项目。自推出净零计划以来，日出银行已收到550万美元的存款，并发放了近2200万美元的贷款。 

Sunrise Banks started the initiative as part of its commitment to reach net zero emissions by 2050, and to align with the Paris Agreement, an international treaty to limit global temperature increases by decreasing greenhouse gas emissions. (President Donald Trump withdrew the United States from the agreement just hours after taking office.) 

日出银行发起的这一倡议，是其承诺到2050年实现净零排放的一部分，同时也是为了与《巴黎协定》保持一致。《巴黎协定》是一项旨在通过减少温室气体排放来限制全球气温上升的国际条约。(美国总统唐纳德·特朗普在上任几小时后就宣布美国退出该协议）。 

As of now, Sunrise Banks customers can only participate in the program through deposits, but the bank plans to expand the program this year. 

目前，日出银行的客户只能通过存款参与该项目，但该银行计划在今年扩大该项目的范围。 

“Many people don’t realize that when they deposit their money with a bank, those funds are loaned out to projects,” Wildenborg says. “With this program at Sunrise, we put that money where our values are, which means in the projects that will reduce carbon emissions — in turn having a positive impact on our community and environment.” 

威登伯格说道：“许多人并没有意识到，当他们把钱存入银行时，这些资金实际上会被用于贷款项目。而在日出银行的这个项目中，我们将这些资金用在符合我们价值观的地方，也就是那些能够减少碳排放的项目，从而对我们的社区和环境产生积极影响。” 

Wildenborg says one customer shared that he never thought about what the money in his bank account was used for. After realizing he wants to create a more sustainable future for his kids, he moved all his money to Sunrise Banks and opted into the net zero deposits program. 

威登伯格提到，有一位客户曾表示，他从未想过自己银行账户里的钱会被用来做什么。在意识到自己希望为孩子们创造一个更可持续的未来后，这位客户把所有的钱都转到了日出银行，并选择加入净零存款计划。 

“The more they understand how their money is used,” Wildenborg says, “the more empowered they can be to ensure that their money is going towards cutting their own bank emissions and helping build resilient climate resilient communities.” 

威登伯格说：“他们越了解自己的资金是如何被使用的，就越有能力来确保自己的钱被用于减少银行自身的碳排放，并帮助建设具有气候韧性的社区。”

“萤火虫”多户住宅开发项目。

 

照片来源：日出银行/Sunrise Bank

Along with individual bank customers, 10 nonprofit organizations that work with Sunrise Banks are also participating in the net zero deposits program. 

除了个人银行客户外，还有10家与日出银行合作的非营利组织，也参与了这一净零存款计划。 

Projects that include clean energy, energy reduction, efficiency updates, green buildings, and clean transportation, and more are eligible for net zero financing at Sunrise Banks. 

在日出银行，符合净零融资条件的项目包括清洁能源、降低能源消耗、能效提升、绿色建筑、清洁交通等。 

Developers Adam Jonas and Jay Rajaratnam were among the first recipients of Sunrise Banks’ net zero deposits program. Jonas and Rajaratnam opened Firefly, a fully sustainable multi-family home in Minneapolis, in July. Sunrise Banks granted a $1.75 million net zero construction loan to the project. The building has 10 tenants with two moving in soon, making it fully occupied. 

开发商亚当·乔纳斯和贾伊·拉贾拉特南是日出银行净零存款项目的首批受益者之一。今年7月，乔纳斯和拉贾拉特南在明尼阿波利斯推出了“萤火虫（Firefly）”项目，这是一栋完全可持续的多户住宅。日出银行为该项目提供了175万美元的净零建设贷款。该建筑共有10户租户，目前已有两户即将搬入，即将实现全部入住。（译者注：“萤火虫”项目是建筑师兼开发商亚当·乔纳斯与开发商贾伊·拉贾拉特南共同合作的、第一个完全可持续的建筑。这个团队自2018年开始合作，采用了多种建筑技术和设计元素，使建筑尽可能高效地节能，并与周围环境紧密联系。项目的特点包括隔热良好的大型窗户、能量回收通风系统、配备最新空气源热泵技术的暖通空调系统、全电动节能家电、额外的保温层、低流量水龙头、适合安装太阳能电池板的平屋顶，以及由收集的雨水进行灌溉的可食用景观。“萤火虫”项目的所有单元都有朝南的窗户，以捕捉阳光和热量。租户还可以使用共享电动货运自行车和共享的户外空间，包括露台和花园。这栋公寓楼将成为美国能源部认证的“零排放住宅”（DOE ZERH），这意味着这栋建筑非常节能，有可能通过可再生能源产生与消耗量相当的能源——日出银行官网sunrisebanks.com） 

“萤火虫”项目公寓大楼效果图。

 

照片来源：“萤火虫”项目官网

“We want to not just meet that threshold of being net zero,” Jonas said. “If the building is not beautiful and loved, it doesn’t help. We need to create things that are valued, beautiful and inspiring to help further the cause.” 

乔纳斯说：“我们不仅仅是要达到净零的标准。如果建筑不美、不受人喜爱，那也无济于事。我们需要创造有价值的、美丽的和鼓舞人心的东西，以帮助推进这项事业。” 

As they developed Firefly, Rajaratnam and Jonas also started the Sustainable Developers Collective to share advice and effective practices with other developers. Sunrise Banks hosted one of their first meet-ups. 

在开发“萤火虫”项目的同时，拉贾拉特南和乔纳斯还成立了“可持续开发者联盟（Sustainable Developers Collective）”，以便与其他开发商分享经验和有效做法。日出银行举办了他们第一次的线下聚会。 

Rajaratnam said that companies often just pay lip service to environmental initiatives, but after working closely with Sunrise Banks, he feels they are effectively standing behind their mission. 

拉贾拉特南表示，许多公司往往只是口头上支持环保倡议，但在与日出银行紧密合作后，他感到银行是在真正地支持他们的使命。 

“It was beyond just banking,” Jonas says. “Sustainable Developers Collective is really trying to bring those individuals together so we can learn better, quicker and more efficiently — financing is such a big part of that. It’s a testament to Sunrise’s commitment to sustainability that they were in that conversation from day one.” 

乔纳斯说：“这不仅仅只是银行业务。可持续开发者联盟试图将这些人聚集在一起，以便我们能够更好、更快、更高效地学习。而融资在其中占据了重要位置。日出银行从一开始就参与了这场对话，这证明了它对可持续发展的承诺。” 

Sunrise Banks is accepting applications for loans towards projects like Firefly. 

日出银行正在接受类似萤火虫项目的贷款申请。 

“You have the potential to do work that will last beyond you. What Sunrise is doing enables us to do that,” Rajaratnam says. “If our kids don’t live here, someone else’s kids will be in this space well after we’re gone, and what we do today will have an impact on them.” 

拉贾拉特南说：“你有潜力做出超越你自己的工作。日出银行正在做的事情，能让我们实现这一点。就算如果我们的孩子不住在这里，在我们离开后，其他人的孩子仍会生活在这个空间里。而我们今天所做的，将会对他们产生影响。”