摘要
金融科技能够打通传统经济向绿色经济转型的结构性壁垒,对绿色金融发展起到催化作用。本文立足于金融科技对碳金融影响的理论逻辑,较为系统地分析了商业银行碳金融业务数字化发展现状,并探究商业银行应用金融科技发展碳金融业务过程中存在的挑战。基于此,针对监管机构和商业银行提出应用金融科技推动碳金融发展的对策建议,以促进碳金融业务全面转型,进而加速推动低碳经济的发展。
Fintech can break through the structural barriers to the transition from traditional economy to green economy and play a catalytic role in the development of green finance.Based on the theoretical logic of the impact of financial technology on carbon finance,this paper analyzes the current situation of the digital development of carbon finance business of commercial banks in a more systematic way and explores the challenges in the process of applying Fintech to develop carbon finance business of commercial banks.Based on this,it proposes counter⁃measures for regulators and commercial banks to apply Fintech to promote the development of carbon finance,so as to promote the comprehensive transformation of carbon finance business and thus accelerate the development of low-carbon economy.
出处
《西南金融》
北大核心
2023年第3期16-26,共11页
Southwest Finance
关键词
数字经济
低碳经济
碳金融
碳普惠
数据治理
金融科技
区块链
人工智能
digital economy
low carbon economy
carbon finance
carbon inclusion
data governance
Fintech
blockchain
artificial intelligence