Recently, the Beijing Financial Technology Innovation regulatory tool implementation working group (hereinafter referred to as the working group) publicized the latest batch of innovative applications to the public: China Construction Bank Corporation(601939) declared “personal financial services based on ‘carbon ledger”.
The main service objects of “personal financial services based on carbon ledger” are China Construction Bank Corporation(601939) individual customers. Expected scale: reasonably determine the user scope and service scale according to the principle of risk control. It is expected to serve 1 million individual customers per year and reduce carbon emissions by 10 tons.
The service uses federal learning, big data, artificial intelligence and other technologies to build a carbon emission reduction measurement model to measure the low-carbon living standard of CCB users, so as to provide support for the formation of a “carbon ledger”. On the premise of controllable risk, based on the “carbon account book”, provide consumers with personal financial services such as credit card withdrawal and installment discount, point mall equity exchange, guide consumers to actively practice the concept of low-carbon life and help realize the green city construction of national action.
It is reported that CCB uses big data technology to build a carbon emission reduction measurement model based on multi-source carbon emission reduction behavior data, relying on the carbon emission reduction calculation factor of Green Exchange on the premise of obtaining customer authorization, so as to improve the accuracy of the measurement of the bank’s contribution to customer carbon emission reduction. On the premise of obtaining the authorization of the customer, the internal data of CCB (such as mobile banking living payment, TC payment, etc.) and the data of carbon emission reduction behavior outside the bank (such as the number of trips, the number of online government business, etc.) will be reliably shared to ensure that the original data of all parties do not leave the city and provide multi-dimensional data support for measuring the contribution of customers to carbon emission reduction.
What is a carbon ledger? According to Liu Songsong of the carbon neutralization research center of the school of economics and management of Harbin University of technology, personal carbon ledger is based on these carbon footprints, relying on the new generation of information technology and other means to comprehensively collect people’s emission reduction behavior in various scenes of low-carbon life, so as to form a distributed green ledger and a multi-dimensional system algorithm for personal green life, Then establish a personal carbon emission reduction digital ledger. In addition to helping people record various behaviors in low-carbon life and accumulate their own emission reductions, carbon ledger can also obtain some public welfare or policy incentives and concessions, which is also of great value to the promotion of green lifestyle.
