With the proposal of the 3060 goal, "carbon neutrality, carbon peaking" has become a high-frequency vocabulary used by the government and the industry, and the construction of green finance has also made rapid progress. In recent years, the scale of green credit, green bonds and other products continues to increase, ranking the forefront of the world, in the road of green finance, there are also many enterprises in the active action, especially financial institutions to develop green finance.
How does consumer finance help carbon neutrality promote the development of green finance? At the same time, at a time when the energy revolution and the digital revolution are deeply integrated, what surprises does digital technology-driven consumer finance bring in the road to promoting carbon neutrality and carbon peaking?
How can financial institutions contribute to carbon neutrality? Consumer finance immediately took the lead in consumer finance
In the year after the double carbon target was proposed, financial institutions actively took action, and financial institutions such as banks, brokers, insurance and funds made many innovations on the basis of the existing green financial policy system framework, but the overall stage was in the initial stage of exploration.
Recently, Chen Yulu, vice president of the Chinese Min min bank, publicly stated that market funds should be guided from four aspects to support green development, improve the green finance policy system, and promote international cooperation in green finance. It specifically mentions "encouraging qualified financial institutions to study carbon neutrality targets, but avoiding 'one-size-fits-all' and 'sporty' carbon reductions." ”
Chen Yulu pointed out that financial institutions have proposed carbon neutrality targets, which is conducive to better identifying and managing climate risk exposures. China's financial institutions, especially systemically important financial institutions, can actively carry out feasibility studies of carbon neutrality targets and develop a roadmap for implementation.
In July this year, Consumer Finance also officially released the "Carbon Peak and Carbon Neutrality" Roadmap 2.0 (hereinafter referred to as "Roadmap 2.0"), which covers green operations and the construction of a low-carbon culture, etc., showing the practical actions of enterprises practicing green finance and participating in energy conservation and emission reduction in multiple dimensions.
Specifically, the green finance road of immediate consumer finance mainly starts from four aspects: First, deeply cultivate green and low-carbon development and participate in the construction of a standardization system. Immediately, consumer finance will participate in regional and national green financial enterprise alliances, strengthen theoretical research and exchange of achievements in the field of green science and technology in combination with external superior resources, and actively participate in the construction of a national or industry green finance standardization system.
The second is to give full play to the advantages of scientific research and exploration, and work with government agencies and external enterprises to help "carbon neutrality" with scientific and technological innovation. Immediately consumer finance combined with its own artificial intelligence, big data, cloud computing and other core technologies, into the government projects, to participate in the government energy conservation and emission reduction and the intelligent transformation of traditional industries, will cooperate with the government to develop a set of general carbon emission data management center system, and provide supporting technical services.
The third is to be born to "green" and actively participate in low-carbon public welfare undertakings. Immediate Consumer Finance has set up a corporate low-carbon public welfare day, and plans to set up a "immediate" green fund in the future, participate in influential green public welfare activities and green public welfare forums, and provide special funds to serve regional public welfare undertakings.
In addition, Consumer Finance also vigorously advocates a green and low-carbon corporate culture. At present, adhering to green operation and low-carbon office aims to enhance employees' low-carbon awareness and encourage low-carbon office and low-carbon travel.
"In the future, we will also build a material recycling enterprise platform, prepare for the construction of green buildings, etc., realize green finance in multiple dimensions and fields, and renew the new green and low-carbon label of enterprises." Zhao Guoqing, chairman of Consumer Finance, said that it is expected to achieve its own net zero emissions by 2030.
Digitalization helps carbon neutrality and development, and consumer finance immediately practices green financial innovation
Achieving the goal of "double carbon" cannot be achieved without digitalization. At present, the integration of the energy revolution and the digital revolution is deepening, and new technological advances are also giving birth to new means to achieve carbon peaking and carbon neutrality. For example, digital technologies such as big data and artificial intelligence have changed the way energy is consumed, reducing energy demand and promoting the formation of new concepts of energy consumption.
On November 5, the Ministry of Industry and Information Technology, the People's Bank of China, the Banking and Insurance Regulatory Commission, the Securities Regulatory Commission and other four ministries and commissions jointly issued the "Guiding Opinions on Strengthening Industrial Integration to Promote The Green Development of Industry", proposing to give full play to the role of financial technology in promoting green finance, encourage financial institutions to accelerate the application of financial technology, continuously explore new scenarios and new applications of new technologies in the financial field, and improve personalized service capabilities.
From the perspective of consumer finance, it focuses on scientific and technological innovation, and strives to make financial services safer, more efficient and greener.
"Immediately consumer finance has achieved full online services and 0 physical outlets, this data and digital technology-driven asset-light model, equivalent to a green and low-carbon basic model, the next step is to combine its own business characteristics to create a green model suitable for the development of consumer finance." Zhao Guoqing introduced.
Specifically, immediately consumer finance for the industrial chain of carbon emission reduction and carbon compensation links continue to explore green finance innovation model, based on its own full-closed-loop digital consumer finance open platform model, combined with the advantages of independent research and development of technology, the green and low-carbon development concept to implement each business link, focus on "carbon neutrality" and fine management, through the integration and application of digital technology and business, to create a set of independent characteristics, systematic "carbon neutral" strategic path, to empower low-carbon green development.
Shell financial reporter learned that consumer finance will immediately focus on achieving carbon neutrality at its own operational level. Since its inception six years ago, it has saved 690 million A4 sheets of paper and reduced carbon emissions by 9,798 tons through green finance operations and the use of electronic contracts. At the same time, consumer finance adheres to the concept of open and win-win development, actively carries out various types of green finance business, reduces its carbon footprint in corporate cooperation, and promotes other industries to achieve low-carbon development, for example, continuously strengthen the tripartite cooperation between "government, research and enterprise", explore scientific research and innovation in the field of green technology, and devote itself to the construction of social public projects.
Zhao Guoqing said that in the past six years, consumer finance has connected hundreds of banks, served hundreds of scene parties, and is willing to open up digital technology and green financial technology to help all cooperative enterprises jointly build a green life society, a green energy society and a green finance society.
It is worth noting that consumer finance has formed a powerful digital "engine" that resonates with the three core platforms of "big data + AI + financial cloud", and through the integration of five major technologies, it has realized the digitization of financial service processes, business data, scenario intelligence, and infrastructure cloudification. Relying on digital capabilities to create the ultimate user experience, promote full-scenario flexible coverage, reduce service costs, and promote comprehensive carbon reduction and green growth of financial services.
According to the data, as of the end of August this year, Consumer Finance has provided 140 million users with full-line paperless services, and deeply practiced the whole process of digital green financial services.
Specifically, in terms of customer service, immediately consumer finance continues to promote intelligent robot services, accumulatively reducing carbon emissions by 1221 tons; in the pre-loan, loan, and post-loan links, optimize the approval process, approval rules, and continue to promote electronic, paperless, and online from customer loan contracts, loan vouchers, etc., through zero paper services, reduce carbon emissions by 541,000 tons.
In addition, through the self-developed financial cloud system, elastic services, flexible computing power use, immediate consumption of financial server computing power can be up to more than 50%, compared with the traditional way has saved thousands of servers, reducing carbon emissions by 5127 tons. At the same time, through a variety of ways, Immediate Consumer Finance has achieved a total of 1.308 billion yuan of green consumption transactions and promoted 397,800 green consumption.
"In the future, we will actively explore the green innovation model of 'finance + technology + carbon neutrality', tap the potential of cutting-edge technologies represented by artificial intelligence in responding to environmental protection issues, vigorously promote the application of high and new technologies in industrial energy conservation and emission reduction, and help the digital transformation of green industries." Zhao Guoqing stressed.
Beijing News shell financial reporter Hu Meng Editor Bai Huabing Proofreader Li Shihui