Climate Change in the context of Risk Management and Sustainable Finance refers to secular or abrupt changes in environmental conditions (e.g. temperature changes, sea-level changes, wind or precipitation phenomena) that form fundamental risk factors or underlying causes that may generate more specific Climate-Related Risk.
The change of Climate which is attributed directly or indirectly to human activity that alters the composition of the global atmosphere and which is in addition to natural climate variability observed over comparable time periods 
Current evidence is that overall weather patterns are changing on a global scale for the long-term due to human contributions to Green House Gas Emissions
- (UNFCCC, 1994)