智能转型,金融科技和绿色增长:基于信贷分配前景的一般平衡分析
Xiongfei Zhao1, Shuangjie Li1, Kaili Lu2
1School of Economics and Management, Beijing University of Technology, Beijing, 100124, China.
Journal of environmental management
|October 31, 2024
概括
智能转型促进了绿色经济增长,并通过改善信贷获取来减少碳排放. 金融技术 (金融科技) 有助于这一点,但政策必须平衡资源分配,以获得最佳影响.
科学领域:
- 经济学 经济学 经济学
- 环境科学 环境科学
- 金融技术 金融技术
背景情况:
- 企业情报转型是可持续发展的关键.
- 金融技术 (Fintech) 影响信贷市场和经济增长.
- 了解信贷分配在绿色经济增长中的作用至关重要.
研究的目的:
- 分析企业情报转型和金融科技对绿色经济增长的影响.
- 调查信贷资源分配的调解作用.
- 检查对中国区域碳排放的影响.
主要方法:
- 开发了一种多部门的一般平衡模型.
- 综合智能转型异质性和金融技术的影响.
- 利用了面板数据 (2011-2021年) 和混合回归分析.
主要成果:
- 增加对智能转型企业的信贷增加了绿色增长,减少了碳排放.
- 这些企业的过度生产率对减少碳排放产生了积极影响.
- 金融科技优化了信贷分配,降低了利率,并促进了绿色发展.
- 金融科技可能会对智能转型公司造成信贷挤出效应.
结论:
- 企业情报转型和金融科技对于绿色经济增长至关重要.
- 优化信用分配对于最大化这些好处至关重要.
- 政策必须解决金融科技对资源分配的潜在负面影响.
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