What are the financial empowerment? It is as follows:
With the development and application of Internet technology, the rapid development of socio-economic models,? The technological revolution represented by cloud computing, artificial intelligence, big data, blockchain, Internet of Things, 5G and other technologies has changed the boundaries and research paradigm of financial science. Various emerging technologies and financial business continue to integrate at the same time, the role of science and technology for finance has been continuously strengthened, and will comprehensively empower the development of green finance.
Financial science and technology can be applied in three ways:
One is to assist in the development of relevant green financial standards.
With the help of fintech sound wind control, fundamentally solve the problems of 'fake green', 'pseudo-green' and 'bleached green'. For example, according to the differences in green identification standards, you can use big data technology can be analyzed in real time green project attribute changes, and then adjust the green financial related policies, to guide the implementation of green funds in place.
The second is to alleviate information asymmetry and reduce green identification and risk management costs.
The existence of information asymmetry increases the identification and risk management costs of financial institutions. The use of big data for real-time data analysis, or the use of blockchain technology decentralization, information concealment, and non-tampering characteristics to solve the problem of capital penetration management.
It can also be based on the big technology ecosystem established by the big technology platform, which contains a large number of digital footprints, such as the business flow, revenue trends, transaction networks, etc., which can effectively reflect the user's behavioral characteristics, financial status, social networks and other information, providing a large amount of data support for the green identification and risk management of financial institutions, which can effectively reduce the identification and risk management costs.
For example, Bank of Huzhou, the green credit management system developed by financial technology, relying on the two major modules of green credit identification and environmental risk management, through big data capture and intelligent identification, based on the green identification of more than 42,000 businesses and the environmental benefit assessment of about 700 project loans, Bank of Huzhou's green credit approval time and submission time were shortened to 1/3 of the original time, greatly reducing the time for enterprise financing.
The Bank of Huzhou's green credit approval time and submission time have been shortened to 1/3 respectively, which has greatly shortened the time of enterprise financing and indirectly reduced the cost of financing for enterprises by more than 30 million yuan.
Thirdly, it promotes the innovation of green financial products and services.
Through the application of financial technology, various financial institutions have realized an overall mastery of the green financial market. For example, through the application of big data and cloud computing, they can create "green portraits" for users, and realize the continuous iteration of risk assessment model indicators in dynamic analysis in a low-cost and scalable form. Or through personalized customization and precision marketing, applied to the field of green finance can help financial institutions to create personalized and precise investment and financing solutions for customers to enhance the user experience.
In addition, based on the distributed database architecture for enterprises, the development of green credit models based on the right to use energy, the right to emit, etc. as a pledge, to help establish a mature and complete variety of green credit system.
At the same time, for individuals, real-time calculation of carbon emissions from daily consumption behaviors, such as taking public **** transportation and online payment, etc., and displaying the user's carbon footprints in images and other intuitive forms, reflecting the specific impact of residents' lifestyles on the environment, helping them to establish an awareness of environmental protection as well as providing incentives to individuals for their green behavioral choices to realize the "Carbon The company's newest product is a new generation of carbon dioxide emissions trading, which will enhance the adaptability of financial services to the green transformation and development of the real economy.