“双碳”目标下的普惠金融:作用机制与实践路径

Inclusive Finance under"Carbon Peaking and Carbon Neutrality"Goals:Mechanism and Practical Route

本文聚焦普惠金融对绿色低碳发展的影响,在梳理低碳发展的实现路径及普惠金融的内涵、特点基础上,运用单部门静态分析模型与静态、动态面板数据分析模型证明基于普惠金融的环境库兹涅茨曲线现象,探讨普惠金融通过经济发展水平、技术进步、产业结构和消费端等路径对绿色低碳发展的作用,结合实践探索经验提出对策建议,为相关政策制定与机制完善提供参考。

This paper focuses on the impact of inclusive finance on green and low-carbon development.On the basis of sorting out the realization path of low-carbon development and the connotation and characteristics of inclusive finance,it uses single-sector static analysis model and static and dynamic panel data analysis model to prove the phenomenon of environmental Kuznets curve based on inclusive finance,and explores the role of inclu⁃sive finance in green and low-carbon development through the paths of the level of economic development,techno⁃logical advancement,industrial structure and the consumption side,and puts forward countermeasures and sugges⁃tions for the formulation of relevant policies and the improvement of mechanisms in conjunction with the experi⁃ence of practical exploration.