最有看点的互联网金融门户

最有看点的互联网金融门户
国际资讯

借助金融科技 促进绿色经济可持续发展

2015年,联合国195个成员国通过了可持续发展目标(SDGs),承诺共同促进全球从化石燃料工业时代向低碳、高科技、绿色经济转变。

但这种改变某种程度上要依靠全球金融体系重置,确保私人资本重新分配,以支持经济转型,形成涵盖社会方方面面的绿色经济。这就要求改革现行的经济体系,开放相应服务,让全球改革朝着简单便捷的绿色技术、绿色岗位、绿色基础设施的方向发展。

肯尼亚中央银行行长Patrick Njoroge认为,“可持续发展和金融普惠性深化是世界金融系统改革面临最紧迫的两大目标,(金融科技创新)是实现这两大目标最大的希望”。

金融科技能够降低收费,增加金融便利性,从而促进绿色经济发展,通过使用创新支付系统,让低收入群体有机会使用清洁能源,让穷人和富人一样能够享用免费能源。这也是联合国环境规划署(UNEP)2016年12月所发布《金融科技与可持续发展报告》中的主张。

根据这份报告,金融系统面临双重挑战:既要在可持续发展的前提下发展经济,又要在金融决策中坚持可持续发展要素。

报告这样说:“资本需要向供给不足的群体倾斜,提高金融普惠度,投资可持续、可循环基础设施及创新关键领域。可持续发展同样应该成为绩效报告中的一部分。”

促进物联网、区块链、人工智能结合

报告对建立可持续发展金融系统做出了一些建议。尤其值得注意的是,报告认为如果正确结合物联网、区块链、人工智能,能够促进可持续发展。

物联网和人工智能能够“刺激物质世界”,区块链与固定的分布式账本订立智能合约,让实体经济资产、基础设施和金融过程以一种可预见的方式与金融体系及许多10年前根本闻所未闻的商业模式相互影响。

报告还建议创立可持续发展金融科技(FT4SD)挑战基金,为创业公司提供设计、科技支持,为可实施的试验计划提供资金。

报告同时建议为不同参与主体的合作者设立区域性FT4SD创新孵化园。让政府、国际发展合作人、非营利机构、科研机构、私人企业、中央银行、金融科技创业公司、孵化金融机构集合不同地点、相同时限的“合作创新实验室”,创造专属FT4SD的能量。

中国与绿色经济

全世界的金融中心都发布了绿色经济体系策略,制定计划抓住绿色经济机遇。尤其值得注意的是中国,2016年9月中国发布了包含35点内容的计划,建立绿色经济体系。

另外,今年初中国顶尖在线、手机金融服务提供商蚂蚁金融加入了联合国环境计划署,共同发起绿色数字金融联盟。此次创举旨在利用数字技术促进经济发展,解决全球环境问题。

蚂蚁金融首席执行官Eric Jing在联盟发布时这样说:

“蚂蚁金融坚定支持绿色经济。几种我们的产品、服务已经在为可持续发展做贡献。利用移动互联网、云计算、大数据,我们能够鼓励我们上亿用户加入绿色的生活方式中。”

除了信用账户与储蓄账户外,蚂蚁金融应用程序中还有个创新功能,为用户显示自己的碳账户。蚂蚁金融在中国有4.5亿用户,这一功能通过用户的历史交易分析算出用户的碳足迹,让他们能够自己衡量碳足迹,而降低碳足迹能够获得“绿色能量”。

蚂蚁金融把这一功能与社交互动结合起来,用于树木种植计划,抵消已产生的碳排放。至今为止,有7200万用户加入了这一应用中。

除了中国,世界上还有许多富有创造力的创业公司努力寻求绿色金融的解决方式,致力于让企业经营对环境更加友好、更符合道德标准。瑞典企业Trine向私人投资者开放数字投资平台,用以在新兴经济国家发现并资助太阳能项目,试图寻找终结“能源短缺”的方法。肯尼亚企业M-KOPA利用成功的国内手机支付平台M-PESA,向贫困社区用户出售太阳能系统。

In 2015, the United Nations’ 195 member countries adopted their Sustainable Development Goals (SDGs) and committed to the global transition from the fossil-fueled industrial era to low-carbon, knowledge-richer, green economies.

But this change depends in part on a reset of the global financial system to ensure that private capital is redeployed to finance the transition to an inclusive, green economy. It requires reforming incumbent finance and democratizing such services to drive this global transition toward accessible green technologies, jobs and infrastructure.

According to Patrick Njoroge, the governor of the Central Bank of Kenya, innovations in fintech offer “the greatest hope for aligning the world’s financial systems with the urgent twin objectives of sustainable development and deepening financial inclusion.”

By reducing costs and boosting efficiency, fintech mobilizes green finance, enables poorer people to access clean energy through innovative payment systems and facilitate free savings for rich and poor alike. That’s what claims the Fintech and Sustainable Development report, a document published in December 2016 by the United Nations Environment Programme (UNEP).

According to the report, the challenge for financial systems is twofold: to mobilize finance for specific sustainable development priorities and to mainstream sustainable development factors across financial decision-making.

“Capital needs to be mobilized for financial inclusion of underserved groups, raising capital for sustainable and resilient infrastructure and financing critical areas of innovation,” it reads. “Sustainability also needs to be incorporated into the performance disclosure and reporting.”

Combining the IoT, blockchain and AI

The report suggests a number of recommendations to design a sustainable financial system. Notably, it claims that the combination of the Internet-of-Things (IoT), blockchain technology and artificial intelligence (AI), if deployed correctly, will enable the sustainable development agenda.

While IoT and AI will enable the “animation of the physical world,” blockchain’s smart contracts on an immutable distributed ledger will allow real economy assets, infrastructures and processes to interact with the financial system in predictable ways and with business models that were unheard of ten years ago.

The report recommends the creation of a FT4SD (fintech for sustainable development) challenge fund, which would provide startups with the design, technical support and funding to develop implementable pilot plans.

It also suggests setting up regional FT4SD innovation incubators for multi-stakeholder partnerships. This would allow governments, international development partners, NGOs, scientific organizations, private sector companies, central banks, fintech startups and incumbent financial institutions to convene place-specific and time-bound “co-creation labs” to design specific FT4SD capabilities.

China and green finance

Financial centers from all around the world have issued strategies for greening their financial systems, and set out plans to seize the green finance opportunity. One particular country is China, which launched a 35-point program in September 2016 to establish a green financial system.

Separately, China’s leading online and mobile financial services provider Ant Financial joined hands with UN Environment earlier this year to launch the Green Digital Finance Alliance. The initiative aims to harness digital technologies in catalyzing financing that addresses global environmental challenges.

Commenting on the launch, Eric Jing, CEO of Ant Financial, said:

“Ant Financial is a strong believer in green finance. Several of our products and services have been contributing to sustainable development. Leveraging mobile Internet, cloud computing and big data, we can encourage our hundreds of millions of users to participate in a green lifestyle.”

One such innovation is the Ant Financial app which provides its users with a carbon account alongside their credit and saving accounts. This gives the company’s 450 million users in China the ability to benchmark their carbon footprint – generated through analysis of their financial transaction history – and earn “green energy” credits for reducing their footprint.

Ant Financial has integrated this into a social media experience as well as committed to a complementary tree-planting carbon offset program. As of today, 72 million users are participating in the app.

Beyond China, ingenious startups have developed innovative solutions to contribute to the green finance movement and committed to a more eco-friendly and ethical way of doing business. In Sweden, Trine seeks to end “energy poverty” by providing a digital investment platform to allow private investors to locate and fund solar energy projects in emerging economies. In Kenya, M-KOPA is leveraging the successful domestic mobile payments platform M-PESA to sell solar power systems to poorer communities.


用微信扫描可以分享至好友和朋友圈

扫描二维码或搜索微信号“iweiyangx”
关注未央网官方微信公众号,获取互联网金融领域前沿资讯。

发表评论

发表评论

您的评论提交后会进行审核,审核通过的留言会展示在下方留言区域,请耐心等待。

评论

您的个人信息不会被公开,请放心填写! 标记为的是必填项

取消

吕林倩未央编辑团队

129
总文章数

TA还没写个人介绍。。。

2018亚洲智慧银行峰会

小未 1天前

[未央翻译]Fintech国际资讯周报|2017年第50周

高旭 1天前

发展与前景:金融科技在中国

赵建 | 当代金融家 2天前

场景成为金融科技的下一个主场

夏天 | 零壹财经 2天前

澳大利亚计划扩大金融科技监管沙盒计划

JD Alois 12-13

版权所有 © 清华大学五道口金融学院互联网金融实验室 | 京ICP备17044750号-1