中小企业气候融资盘点：将雄心转化为行动

SME CLIMATEFINANCESTOCKTAKE: Summary Small and medium-sized enterprises' (SMEs) ambition for sustainability is growing, but accessto finance isn’t keeping pace. Across markets, SMEs are struggling to access the capital neededto scale their sustainability efforts. This research finds that a small group of medium-sized firms- especially in manufacturing and transport - are breaking through, accessing green finance 4.1times more often than smaller peers. For most SMEs, however, access to finance remains flat. The difference lies in access to AI and digital tools. Firms using digital accounting, e-invoicing,and AI-powered carbon-tracking tools are far more likely to report formally and to secure greenfinance. For the majority, fragmented and complex reporting still blocks progress, leaving billionsin potential investment untapped. This paper sets out five practical actions to close that data gap, by standardising reporting,expanding digital and AI adoption, and unlocking green finance for millions more SMEs. The OECD definition of green finance (also known as sustainable finance) used in this paper: Sustainable finance refersto financial products, strategies or financial market activities which support and prioritise long-term economic, socialand environmental objectives by, for example, taking into account environmental and social drivers of financial returns;mitigating adverse environmental or social impacts; or advancing positive environmental and social outcomes.1 Forewords SMEs are the backbone of the global economy, and they must also be atthe centre of the global climate response. Representing over 90% of theworld’s businesses, SMEs drive innovation and deliver the local solutionsneeded to achieve net zero. Yet they continue to face disproportionatebarriers to accessing the finance and tools that would allow them toscale their impact. ICC is proud to partner with Sage to ensure that the voice of smallbusiness is heard at the highest levels of the climate negotiations. Thisfifth global SME Climate Finance Stocktake demonstrates both thescale of SME ambition and the practical pathways to unlock it. EnablingSMEs to access green finance is not only good climate policy, it is thefoundation of inclusive, resilient economic growth. We look forward toworking through COP30 to ensure that this potential is realised. John Denton AOSecretary General of the International Chamberof Commerce (ICC) SMEs are the engine of the global economy, and their success isessential to the world’s transition to net zero. Every day, we see small andmedium-sized businesses making tangible progress, cutting emissions,improving efficiency, and building resilience in their supply chains. Theirdetermination is clear. What they need now is access to finance to gofurther, faster. At Sage, we believe that digital technology and AI are the unlocks thatcan remove the barriers holding SMEs back from accessing sustainabilityfinance. By automating reporting, connecting trusted data directly tofinance, and reducing the cost and complexity of compliance, thesetools make sustainability practical and scalable for every business. Thisyear’s Stocktake shows what is possible when innovation, and policyalign. Together with the ICC and our global partners we are committedto ensuring that the world’s transition is powered by SMEs, turning theirideas and ingenuity into lasting impact for people and the planet. Steve HareCEO of Sage As the world prepares to gather in Belém for COP30, this report builds onthe progress achieved at COP29, where the vital role of SMEs in globalclimate action was firmly recognised. Empowering SMEs is essential to delivering a just and effective transition.They are the backbone of our economies and a driving force forinnovation, inclusion and resilience. This Stocktake highlights both theadvances made and the barriers that still limit SME access to finance,technology and support. Nigar ArpadaraiThe UN Climate Change As we look to COP30, there is a crucial opportunity to turn recognitioninto action, mobilising investment, scaling solutions and ensuring SMEseverywhere can help shape a more sustainable and resilient globaleconomy. High-Level Champion forCOP29 SME ambition is rising - but progress remains too slow SMEs sit on the frontline of climate change. From soaring energy bills to supply-chain shocks and extreme weather,climate risks bite harder for smaller firms with fewer buffers.2At the same time, making net zero happen is impossiblewithout them. For instance, previous studies by Sage show that SMEs generate over 40% of the UK’s businessemissions, rising to nearly two-thirds once supply chains are included.3 Now, into the second half of the decade, SMEs are not standing still. Our SME tracker, built from five years of timeseries, is showing greater ambition, deeper engagement, and that SMEs are a key driving force in delivering thesustainability agenda. SMEs report that: 70% say sustainabilityis central