科技助力绿色金融与普惠金融融合发展

Technology Promoting the Integrated Development of Green Finance and Inclusive Finance

摘要: 普惠金融与绿色金融作为金融“五篇大文章”的重要组成部分，二者的融合发展有助于实现经济的绿色转型和可持续发展。本文从绿色金融和普惠金融发展背景入手，讨论了金融科技如何驱动两者融合发展，并结合当前我国实践现状，分析了两者融合发展面临的挑战，最后从健全政策框架、推动数据库建立与信息共享、丰富产品创新以及优化风险收益平衡机制四个方面提出推进举措。

Abstract: Inclusive finance and green finance, as important components of the “Five Major Articles” in finance, the integrated development of the two helps to achieve the green transformation and sustainable development of the economy. This article starts with the development background of green finance and inclusive finance, discusses how fintech drives the integrated development of inclusive finance and green finance, then in combination with the current practical situation in China, analyzes the challenges faced by the integrated development of the two. Finally, it proposes promotion measures from four aspects: improving the policy framework, promoting the establishment of databases and information sharing, enriching product innovation, and optimizing the risk-return balance mechanism.