Klimatkrisen kan bli nästa finanskris

 ”Vi närmar oss snabbt temperaturnivåer där försäkringsbolag inte längre kommer kunna erbjuda täckning för många av dessa risker. 

Matematiskt faller det sönder. De premier som krävs överstiger vad människor eller företag kan bära. Hela regioner blir oförsäkringsbara”,

 konstaterade Günther Thallinger, styrelseledamot i Allianz, ett av världens största försäkringsbolag, i ett uppmärksammat inlägg i mars i år.

”Om försäkring inte längre finns tillgänglig blir andra finansiella tjänster det också. Ett hus som inte kan försäkras kan inte belånas. Ingen bank kommer att bevilja lån för oförsäkrad egendom. Kreditmarknaderna fryser till”

DI 7 oktober 2025

https://www.di.se/nyheter/varningen-klimatkrisen-kan-bli-nasta-finanskris/


It’s hard to overstate the role that insurance plays in the modern American economy. 

Banks won’t make mortgage loans for uninsurable properties; without those loans, the real estate market slows to a crawl, which in turn eats away household wealth and the tax revenue that state and local governments rely on.

https://englundmacro.blogspot.com/2025/01/forodande-skogsbrand-i-los-angeles.html



More households will be unable to insure their homes and the mounting losses from natural disasters could destabilise banks, 

Petra Hielkema, chair of the European Insurance and Occupational Pensions Authority, 

told the Financial Times.

https://englundmacro.blogspot.com/2025/02/petra-hielkema-chair-of-european.html




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