{"id":83792,"date":"2026-04-02T13:15:32","date_gmt":"2026-04-02T13:15:32","guid":{"rendered":"https:\/\/transportjournal.com\/2026\/04\/02\/riscos-sistematicos-de-refinanciamento-no-transporte-maritimo\/"},"modified":"2026-04-02T13:15:32","modified_gmt":"2026-04-02T13:15:32","slug":"riscos-sistematicos-de-refinanciamento-no-transporte-maritimo","status":"publish","type":"post","link":"https:\/\/transportjournal.com\/pt-pt\/2026\/04\/02\/riscos-sistematicos-de-refinanciamento-no-transporte-maritimo\/","title":{"rendered":"Riscos sistem\u00e1ticos de refinanciamento no transporte mar\u00edtimo"},"content":{"rendered":"

Uma pesquisa recente do UCL Energy Institute e da Strider Carbon investiga os impactos financeiros dos riscos decorrentes da transi\u00e7\u00e3o para formas de energia mais sustent\u00e1veis no transporte mar\u00edtimo. A an\u00e1lise mostra que, embora os bancos estejam amplamente protegidos contra perdas diretas devido a riscos clim\u00e1ticos, existem riscos latentes de refinanciamento sist\u00eamico que surgem da mudan\u00e7a de energia e das regulamenta\u00e7\u00f5es de emiss\u00f5es mais rigorosas no transporte mar\u00edtimo.<\/p>\n

O estudo intitulado „Exploring the Financial Impacts of Transition-Related Stranded Asset Risks“ destaca como as perdas de valor relacionadas ao clima, por exemplo, quando um navio n\u00e3o consegue cumprir as regulamenta\u00e7\u00f5es de redu\u00e7\u00e3o de emiss\u00f5es de gases de efeito estufa de forma econ\u00f4mica, podem afetar as estruturas de financiamento comuns no transporte mar\u00edtimo. A pesquisa classifica os riscos resultantes nas categorias tradicionais de risco banc\u00e1rio e avalia as estrat\u00e9gias atualmente empregadas por institui\u00e7\u00f5es financeiras europeias para mitiga\u00e7\u00e3o de riscos.<\/p>\n

Riscos de Refinanciamento Sist\u00eamico em Foco<\/h3>\n

Prasanna Colluru, diretor executivo da Strider Carbon, enfatiza que a an\u00e1lise dos riscos de transi\u00e7\u00e3o em conjunto com os riscos de cr\u00e9dito tradicionais pode ajudar os bancos a avaliar melhor seus portf\u00f3lios de financiamento mar\u00edtimo e fortalecer suas estrat\u00e9gias de gest\u00e3o de riscos clim\u00e1ticos. O estudo mostra onde as estruturas de d\u00edvida existentes s\u00e3o est\u00e1veis e onde podem existir fraquezas que ainda n\u00e3o s\u00e3o vis\u00edveis em n\u00edvel de portf\u00f3lio.<\/p>\n

A pesquisa observa que os bancos geralmente est\u00e3o protegidos contra perdas diretas, desde que n\u00e3o ocorram choques sist\u00eamicos. Isso se aplica tanto \u00e0 oferta, quando navios se tornam economicamente invi\u00e1veis devido a regulamenta\u00e7\u00f5es de emiss\u00f5es mais rigorosas, quanto \u00e0 demanda, quando a transi\u00e7\u00e3o para energias renov\u00e1veis reduz os volumes de carga para transportes de combust\u00edveis f\u00f3sseis. Nos mecanismos de financiamento analisados \u2013 incluindo empr\u00e9stimos bilaterais, institui\u00e7\u00f5es apoiadas por ECA e estruturas sindicais \u2013 \u00e9 necess\u00e1ria uma desvaloriza\u00e7\u00e3o significativa dos ativos antes que os bancos sofram perdas diretas. Em todas as tr\u00eas estruturas, o capital pr\u00f3prio dos propriet\u00e1rios de navios inicialmente absorve as perdas, enquanto as d\u00edvidas priorit\u00e1rias s\u00e3o pagas preferencialmente.<\/p>\n

No entanto, o estudo alerta para os riscos de refinanciamento sist\u00eamico que surgem da discrep\u00e2ncia entre os prazos t\u00edpicos de cr\u00e9dito de cinco a sete anos e as vidas \u00fateis dos navios de 20 a 25 anos. Essa discrep\u00e2ncia permite que bancos individuais se retirem dos riscos de transi\u00e7\u00e3o antes que as perdas de valor ocorram no final da vida \u00fatil. Isso leva a um problema de a\u00e7\u00e3o coletiva: se preocupa\u00e7\u00f5es de transi\u00e7\u00e3o fizerem com que v\u00e1rias institui\u00e7\u00f5es restrinjam simultaneamente a concess\u00e3o de cr\u00e9dito no final da d\u00e9cada de 2030, as condi\u00e7\u00f5es resultantes podem pressionar os valores de recupera\u00e7\u00e3o abaixo dos montantes de cr\u00e9dito pendentes, causando perdas diretas para todo o sistema banc\u00e1rio.<\/p>\n

Dr. Nishatabbas Rehmatulla, Principal Research Fellow e Co-Diretor do Shipping and Oceans Research Group, destaca que a modelagem de riscos clim\u00e1ticos no transporte mar\u00edtimo \u00e9 complexa e requer a integra\u00e7\u00e3o de v\u00e1rias vari\u00e1veis. Na aus\u00eancia de condi\u00e7\u00f5es rigorosas, transparentes e comuns para capturar a resili\u00eancia clim\u00e1tica, os bancos e outros financiadores podem incorporar essas considera\u00e7\u00f5es de maneira n\u00e3o sistem\u00e1tica nas avalia\u00e7\u00f5es, resultando em pontos cegos que s\u00f3 se tornam vis\u00edveis sob estresse.<\/p>\n

 <\/p>\n

www.shippingandoceans.com<\/a><\/p>\n

 <\/p>\n

www.stridercarbon.com<\/a><\/p>\n

 <\/p>\n","protected":false},"excerpt":{"rendered":"

Um estudo investiga os riscos financeiros para os bancos no transporte mar\u00edtimo, que surgem da transi\u00e7\u00e3o para formas de energia mais sustent\u00e1veis e regulamentos de emiss\u00f5es mais rigorosos.<\/p>\n","protected":false},"author":12,"featured_media":83787,"comment_status":"open","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[1623,1619],"tags":[35535,35536,35537,35538,35539,35540,35541,35542,35543,35544,35545,35546,35547,35548,35549,35550,35551,35552,35553,35554,35555,35556,35557,35558,35559,35560,35561,35562,35563,35564,35565,35566,35567,35568,35569,35570,35571,35572,35573,35574,35575,35576,35577,35578,35579,35580,35581,35582,3021,35583,3022,35584,35585,35586,35587,35588,35589,35590],"class_list":["post-83792","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-europa","category-navegacao-e-portos","tag-bank-risk-management","tag-banken-und-klimarisikomanagement","tag-bankrisikomanagement","tag-banks-and-climate-risk-management","tag-banques-et-gestion-des-risques-climatiques","tag-borrower-disclosure-data","tag-capitaux-propres-des-armateurs","tag-challenges-climate-risk-management","tag-climate-risk-management-banks","tag-climate-risks-in-shipping","tag-daten-zur-kreditnehmeroffenlegung","tag-defis-de-la-gestion-des-risques-climatiques","tag-deutsch-systemische-refinanzierungsrisiken","tag-donnees-de-divulgation-des-emprunteurs","tag-durees-de-pret-financement-des-navires","tag-emissions-regulations-shipping","tag-emissionsvorschriften-schiffsverkehr","tag-europaeische-finanzierungsinstitutionen","tag-european-financing-institutions","tag-financement-des-navires","tag-financement-des-transporteurs-de-gnl","tag-financing-mechanisms-shipping","tag-finanzierungsmechanismen-schiffsverkehr","tag-formes-denergie-durables","tag-frachtvolumina-fossile-brennstoffe","tag-freight-volumes-fossil-fuels","tag-gestion-des-risques-bancaires","tag-gestion-des-risques-climatiques-banques","tag-herausforderungen-klimarisikomanagement","tag-institutions-de-financement-europeennes","tag-klimarisiken-im-schiffsverkehr","tag-klimarisikomanagement-banken","tag-kreditlaufzeiten-schiffsfinanzierung","tag-lng-carrier-financing","tag-lng-carrier-finanzierung","tag-loan-terms-ship-financing","tag-mecanismes-de-financement-transport-maritime","tag-nachhaltige-energieformen","tag-oil-tanker-loans","tag-oeltanker-kredite","tag-poseidon-principles-english-systemic-refinancing-risks","tag-poseidon-principles-francais-risques-de-refinancement-systemiques","tag-prets-aux-petroliers","tag-principes-de-poseidon","tag-reglementations-sur-les-emissions-transport-maritime","tag-risques-climatiques-dans-le-transport-maritime","tag-risques-de-transition-dans-le-transport-maritime","tag-schiffseigentuemer-eigenkapital","tag-schiffsfinanzierung","tag-schiffsverkehr-und-nachhaltigkeit","tag-ship-financing","tag-shipowners-equity","tag-shipping-and-sustainability","tag-sustainable-energy-forms","tag-transition-risks-in-shipping","tag-transport-maritime-et-durabilite","tag-uebergangsrisiken-im-schiffsverkehr","tag-volumes-de-fret-combustibles-fossiles"],"acf":[],"yoast_head":"\nRiscos 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