Fintech,GreenBonds andHigh-QualityGreenDevelopment inRegions

Abstract

Abstract

First of all, this paper explains the role of fintech in enhancing green finance by reducing costs, increasing financial inclusion and improving information. Furthermore, it introduces the incorporation of technology into green finance, including green identification, information disclosure, product innovation, risk evaluation and regulatory reform. Secondly, the paper examines the use of blockchain in data storage and fund traceability, as well as the developments of artificial intelligence in determining prices and assessing credit for green bonds. Thirdly, it reviews the evolution and market expansion of green bonds from the first climate bond issued in 2007 to China's status as the major issuer in the world. The paper investigates how green finance allocates capital, stimulates innovation and supports industrial transformation to promote regional progress. It analyzes the regional differences in green finance and proposes a lifecycle model for fintech-assisted green bonds to promote regional growth. The findings indicate that the combination of fintech and green bonds encounters certain obstacles, such as insufficient environmental information disclosure, uneven development of digital facilities and inconsistent criteria for identifying green assets. Future research should concentrate on the analysis at the micro level, broaden regional and international comparative studies and solve issues like transition finance and biodiversity finance. This summary outlines the main literature and gives suggestions to improve the combination of green and digital finance, which is advantageous to the "dual carbon" objectives.