西班牙桑坦德银行（SAN.MC）周二表示，未来五年全球面临约30万亿欧元（约合33.6万亿美元）的融资缺口，主要源于能源转型相关的投资需求，同时也涉及人工智能和国防领域。
By Jesús Aguado Spain's Santander (SAN.MC) said on Tuesday that the world faces a financing gap of around €30 trillion ($33.6 trillion) over the next five years, mainly in investment needs linked to the energy transition but also to AI and defence.
该行在一份报告中称，2026年至2030年期间的初步估算显示，全球总投资需求约为50万亿欧元，考虑到融资来源和预期增长率，由此产生的融资缺口将达到约30万亿欧元。
It said in a report that preliminary estimates for the period between 2026 and 2030 suggested the world needed to invest around €50 trillion in total and, given the financing sources and expected growth rate, the resulting financing gap would reach around €30 trillion.
报告还指出，人口老龄化推高了医疗支出，并增加了养老金和预算的压力。
It also said that population ageing pushes up healthcare expenditure and increases pressure on pensions and budgets.
将气候融资的减缓与适应相结合，包括所需的电网、可再生能源、储能和电气化，桑坦德银行估计，气候领域占2026-2030年融资缺口的比重在22万亿至26万亿欧元之间。
Combining mitigation and adaptation for climate financing, including required grids, renewables, storage and electrification, Santander estimated that climate accounted for between €22 trillion and €26 trillion of the financing gap for 2026-2030.
桑坦德银行表示，为这些转型提供资金需要公私合作，并补充称银行将不得不构建项目架构、调动存款并支持企业。
Financing these transitions would require public-private collaboration, Santander said, adding that banks would have to structure projects, mobilise deposits and support companies.
一年一度的联合国气候峰会将于11月9日在土耳其安塔利亚开幕，预计将讨论针对发展中国家的气候融资等问题。
The annual UN climate summit, which begins in Turkey's Antalya on November 9, is expected to address issues like climate finance for the developing world.
在该行于马德里举行的国际银行业会议上，桑坦德银行执行主席安娜·博廷呼吁欧洲创造条件，让银行能够为投资提供融资以重振经济增长。
During the bank's international banking conference held in Madrid, Ana Botin, Santander's executive chair, called on Europe to create conditions for banks to finance investment to revive economic growth.
她说：“欧洲需要一个为增长而建的银行体系，而不仅仅是为稳定。”
"Europe needs a banking system built for growth, not just stability," she said.
国际货币基金组织总裁格奥尔基耶娃在同一活动上表示，全球增长面临的风险之一是许多经济体的债务水平过高。
International Monetary Fund chief Kristalina Georgieva said at the same event that one of the risks to global growth was the high level of debt in many economies.
格奥尔基耶娃说：“随着通胀推高利率，债务偿还成本正变得令人窒息，这对政府、企业和家庭都不利。”
"The cost of debt service with inflation pushing rates is becoming suffocating for governments and is bad for business and households," Georgieva said.
博廷还表示，欧洲政策制定者需要将该地区庞大的储蓄池引导至本地经济。
Botin also said that European policymakers needed to channel the region's large savings pool into the local economy.
欧洲家庭持有约32万亿欧元的净金融财富，每年储蓄约6000亿欧元，其中约有一半投资于国外，主要是美国，她表示。“我们应该让其中更多一点留在欧洲，”博廷说。
European households hold around €32 trillion in net financial wealth and save roughly €600 billion a year, about half of which is invested abroad, mainly in the United States, she said. "We should keep a bit more of that within Europe," Botin said.