2025金融街论坛｜对话黄勃：金融科技的本质是服务需求，要避免过度包装

Group 1: Green Development - The core issue of green development is the long-standing problem of externalities, where companies invest significantly in green initiatives but struggle to receive market feedback, leading to a "cost without return" dilemma [3] - To break this deadlock, it is suggested to focus on "micro-innovation" through small-scale, practical solutions rather than large-scale innovations, using specific examples like the Beijing urban sub-center green development demonstration zone [3][4] - The integration of technology and green finance is highlighted, with innovations like "micro-grid monitoring" that can accurately assess energy efficiency and carbon emissions at a granular level, providing new financing solutions for retrofitting old buildings [3][4] Group 2: Financial Regulation - Financial regulation is deemed necessary to address market failures arising from the externality issues in green development, ensuring that resources are directed towards companies making significant contributions to green initiatives [4][5] - It is emphasized that regulation and innovation can work in tandem, with a need for "micro-adjustments" in regulatory policies to allow for safe experimentation and innovation in green finance [5] Group 3: Consumer Finance - Financial technology is recognized as a crucial tool for optimizing consumer finance, enhancing the efficiency of matching financial resources with consumer demand through algorithms and big data [6] - There is a call to avoid "over-packaging" of financial products, ensuring that innovations remain grounded in actual consumer needs and do not complicate the understanding of financial services [7] - The future of financial support for new consumption trends is expected to become more precise with advancements in digital economy and AI, focusing on consumer needs while promoting healthy and stable innovation [7]