摘要
双碳背景下,绿色金融以可持续发展为价值指引,将环境治理与金融业务相结合,将金融资本引导向支持环境友好型的经济发展。绿色保险作为绿色金融的重要组成部分,在绿色金融发展与环境保护过程中扮演积极且重要的角色,而以区块链技术为代表的数字技术能够赋能绿色保险等绿色金融产品,疏通其实践过程中推广困难、信息不对称等各项堵点,突破绿色保险的风险评估瓶颈,破除信息安全问题与监管缺失等机制运行风险,为绿色保险等绿色金融产品的发展和完善提供新的赋能路径与治理范式。
In the double-carbon background,green finance,guided by sustainable development,combines environmental governance and financial business and guides financial capital to support environment-friendly economic development.Green insurance,as an important component of green finance,plays an active and vital role in the development of green finance and environmental protection,while digital technology,represented by block-chain technology,can empower green finance products such as Green insurance and unblock various blockages such as promotion difficulties and information asymmetry in its practice.Efforts were made to overcome the difficulties in promotion,information asymmetry and other plugs in the practice process,broke through the bottlenecks of risk assessment of green insurance,and eliminatees operational risks in mechanisms such as information security issues and lack of regulation,so as to provide new enabling paths and governance paradigms for the development and improvement of green insurance and other green financial products.
作者
周渝滨
周蕴涵
李怡阳
李星怡
ZHOU Yubin;ZHOU Yunhan;LI Yiyang;LI Xingyi(College of Economic Law,Southwest University of Political Science and Law,Chongqing 401120,China)
出处
《科技和产业》
2024年第22期157-163,共7页
Science Technology and Industry
基金
2023年西南政法大学学生科研创新项目(2023XZXS-100)。
关键词
技术赋能
绿色保险
区块链
数字化
technical empowerment
green insurance
block-chain
digitization
作者简介
周渝滨(2000-),男,浙江杭州人,硕士研究生,研究方向为绿色金融法治;周蕴涵(1999-),女,重庆人,硕士研究生,研究方向为绿色金融法治;李怡阳(1997-),女,辽宁大连人,硕士研究生,研究方向为绿色金融法治;李星怡(1999-),女,重庆人,硕士研究生,研究方向为绿色金融法治。
