Ai-based portfolio stress test tool for transition risk assessment (Ai-PortStress)

**Ai-PortStress** 是一种创新方法，旨在通过运营转型风险为项目融资创造活力。风险意味着几率，而几率意味着缺乏确定性。通过实时改变分配给商业部门某些方面和不同地区的过渡风险，政府可以从外部影响资源分配和到2050年过渡到净零的步伐。**Ai-PortStress** 使金融机构能够通过优化一系列项目（和/或项目的各个方面）的资本分配来最大限度地降低其融资项目的过渡风险，从而实现最佳结果或最低损失率。作为一种创新工具，**Ai-PortStress** 确保融资公司能够实时适当地扩大融资规模，并根据政府的实时优先事项重组项目的执行。Ai-PortStress** 是一种创新方法，有3个主要目标：（1）通过先进的自然语言处理技术，实时数字化政府气候相关政策，将转型风险编码化;（2）将项目划分为具有独特资产的模块块，用于转型风险的单元评估;（3）将区域因素和政策纳入转型风险评估，以优化财务决策。具体来说，它的创新在于它能够将项目按项目时间轴排列成由独特资产组成的独特块，并查询这些块以演变特定于块的过渡风险。**Ai-PortStress** 很有帮助，因为它使金融家能够根据他们的风险偏好确定他们可以融资的项目的各个方面。通过避免项目中可能因即将出台的立法和气候政策的变化而引起争议的方面，金融机构限制和/或避免了相关的过渡风险（碳税、排放交易计划）。**Ai-PortStress** 福尔斯属于本次竞赛的范围，因为它寻求深化气候和环境风险评估，同时将气候融资业务与政府优先事项实时整合。

**Ai-PortStress** is an innovative approach that seeks to create dynamism in how projects get financed by operationalising transition risk. Risk implies odds, and odds imply a lack of certainty. By varying the transition risks allocated to certain aspects of a business sector and across various regions in real-time, the governments can externally influence resource allocation and the pace of transitioning to Net-Zero by 2050\. **Ai-PortStress** enables financing institutions minimise the transition risks of projects they finance by optimising the allocation of capital across a suite of projects (and/or aspects of a project) that achieve the best outcomes or least loss rates. As an innovative tool, **Ai-PortStress** ensures that financing companies can appropriately scale financing in real-time and reconstitute the execution of projects based on real-time government priorities.**Ai-PortStress** is an innovative approach that has 3 primary goals: (1) to codify transition risks by digitalising in real-time government climate-related policies through advanced natural language processing techniques; (2) to delineate projects into modular blocks with unique assets for unit assessment of transition risks; and (3) to incorporate regional factors and policies in transition risk assessments for optimal financial decision making. Specifically, its innovation lies in its ability to sequence projects into unique blocks made up of unique assets over the project timeline and query these blocks to evolve transition risks that are block-specific. **Ai-PortStress** is helpful as it empowers financiers to determine aspects of projects that they can finance based on their risk appetite. By avoiding aspects of a project that could be contentious due to incoming legislation and changes in climate policies, financial institutions limit and/or avoid the associated transition risks (carbon taxes, emission trading schemes). **Ai-PortStress** falls within the scope of this competition as it seeks to deepen climate and environmental risk assessments while integrating climate financing operations with government priorities in real-time.