区块链技术与人工智能驱动的绿色金融网：助力碳中和目标的数字化路径

Blockchain Technology and Artificial Intelligence Driven Green Finance Network: A Digital Path to Help Achieve Carbon Neutrality Goals

摘要: 在全球推进碳中和目标的背景下，绿色金融成为经济绿色转型的核心。本文研究区块链与人工智能驱动的绿色金融网，剖析其赋能机制、架构设计与应用实践。区块链凭借分布式存储和智能合约，解决绿色金融信息不对称与监管滞后问题；人工智能利用大数据和机器学习优化风险评估流程，二者协同实现绿色资产数据挖掘与供应链创新。架构采用“数据–协议–应用”分层模式，整合可信数据采集等关键技术，构建碳资产管理等功能模块。国内外案例显示，国外注重行业基建优化，国内侧重本土数据和流程改进。研究表明，二者深度融合为绿色金融提供系统性方案，未来需加强国际合作，拓展地域化应用，推动绿色金融发展与碳中和目标实现。

Abstract: Against the backdrop of global efforts to achieve carbon neutrality, green finance has become the core of economic green transformation. This article studies the green finance network driven by blockchain and artificial intelligence, analyzing its empowerment mechanism, architecture design, and application practice. Blockchain, with its distributed storage and smart contracts, solves the problems of information asymmetry and regulatory lag in green finance; Artificial intelligence utilizes big data and machine learning to optimize the risk assessment process, and the two work together to achieve green asset data mining and supply chain innovation. The architecture adopts a hierarchical model of “data protocol application”, integrating key technologies such as trusted data collection, and constructing functional modules such as carbon asset management. Domestic and foreign cases show that foreign countries focus on optimizing industry infrastructure, while domestic countries focus on improving local data and processes. Research has shown that the deep integration of the two provides a systematic solution for green finance. In the future, it is necessary to strengthen international cooperation, expand regional applications, and promote the development of green finance and the achievement of carbon neutrality goals.