积分可兑权益 年减少碳排放百万吨 碳账户是包含碳排放数据采集、碳核算、碳排放等级评价和场景应用等功能在内的碳减排支持体 系，能够帮助企业和居民算清"碳账"，提高减排效率和意识。对于个人碳账户，通俗理解即与"蚂蚁森 林"类似，可以记录、量化个人的节能减排行为。 中信银行日前宣布，面向个人用户推出的"中信碳账户"内测版上线，该账户与深圳排放权交易所、 上海环境能源交易所开展合作交流，联合国内专业机构中汇信碳资产管理有限公司共同研发首个由国内 银行主导推出的个人碳账户。体验者在线开通个人碳账户，可获取关联个人低碳行为的碳减排量。 据"中信碳账户"核算预测，每年中信银行信用卡用户通过在线金融服务方面的低碳行为，累计可减少约 200万吨以上的碳排放，未来用户碳减排市场潜力巨大。 "目前内测版已经上线生活缴费网上办理、申请电子信用卡、开通电子账单等低碳行为的碳减排量 核算。即将上线的公开版还将包含绿色出行、二手回收等更丰富的绿色低碳生活场景。"中信银行有关 负责人表示。 事实上，已有多家银行通过不同方式尝试个人碳账户建设。记者注意到，3月初北京金融科技创新 监管工具实施工作组公示，建设银行拟打造客户的个人"碳账本"。"碳 ...

Core Viewpoint - Ping An Bank has launched a personal carbon account to encourage users to adopt a green and low-carbon lifestyle, marking another exploration of green finance by commercial banks following similar initiatives by CITIC and CCB [1][2]. Group 1: Carbon Account Overview - The carbon account functions similarly to a bank debit account, but instead of storing currency, it records carbon reduction amounts. It tracks users' low-carbon behaviors and converts them into digital records for redeeming related benefits [1]. - The collaboration between Ping An Bank, China UnionPay, and Shanghai Environment and Energy Exchange has resulted in the first carbon account platform that covers all UnionPay credit and debit cards, expanding the range of green scenarios [1]. Group 2: Green Finance Implications - The introduction of carbon accounts is a concrete manifestation of banks' efforts in green finance, meeting personal financing needs while aligning with the strategy to expand domestic demand and the retail transformation of banks [2]. - By linking personal low-carbon behaviors to carbon accounts, banks can attract new customers, engage existing ones, and enhance customer loyalty, which serves as a driving force for exploring carbon accounts [2]. Group 3: Challenges and Recommendations - Carbon accounts, as a detailed branch of green finance, provide a way for individuals to participate in energy-saving and carbon reduction, differing from corporate carbon reduction efforts that can trade in carbon markets [3]. - There are significant challenges in establishing a systematic carbon account framework, including issues related to information collection, accounting, security, and benefit matching [3]. - Regulatory bodies need to facilitate the development of carbon accounts by establishing a unified national carbon accounting system and enhancing cooperation between financial institutions and environmental organizations [3][4].

Core Viewpoint - The consumption finance companies play a crucial role in connecting financial resources with consumer demand, actively exploring practices to enhance specialized service capabilities and expand financial supply in the consumption sector [1]. Policy Support and Market Dynamics - The "Guiding Opinions on Financial Support to Boost and Expand Consumption" has established a systematic policy framework for financial support in consumption, prompting companies to explore multi-level and differentiated paths to stimulate domestic demand [2]. - Consumption finance institutions are clearly positioned to provide credit services for retail financial consumers [2]. - Companies are focusing on upgrading traditional businesses and innovating through technology to create a financial service network that covers the entire lifecycle of urban and rural residents' consumption needs [2]. Innovations and Product Offerings - Companies like Zhaolian and Mashang have developed comprehensive product systems covering various consumption scenarios such as shopping, travel, education, and home decoration [2]. - Ant Financial has increased financial supply by targeting underserved populations, aligning with online consumption trends, and offering interest-free options to reduce consumer costs [2]. Self-Acquisition and Risk Management - The Opinions encourage consumption finance companies to enhance their self-acquisition and risk control capabilities while reasonably determining comprehensive loan interest rates [3]. - Companies are accelerating the development and optimization of self-operated channels due to the saturation of third-party channel traffic and rising customer acquisition costs [3]. - Digital transformation is emphasized to replace some manual judgment with digital models, adapting to the characteristics of small and scattered consumer finance businesses [3]. Customer Engagement and Technology Utilization - Companies like Zhaolian and Mashang have prioritized building self-operated capabilities, with Zhaolian's app now offering tailored loan proposals based on user profiles and credit status [4]. - Nanyin Fabao has enhanced customer research to provide customized discount policies, while Zhongyuan Consumer Finance has improved customer acquisition precision by aligning with key consumption periods [4]. - Haier Consumer Finance leverages its industrial background to expand scenario-based financial services, covering over 11,000 merchants and providing installment services to 3 million users [4]. Future Outlook - The future of consumption finance lies in accurately allocating financial resources to areas that create genuine consumer demand, utilizing technology to lower service costs, and enhancing user experience through scenario innovation [5].

重庆养鸡户钟桃通过智能监测设备管理一万多只鸡，福利院老人与情感机器人"裴裴"倾诉家常，31.7万新市民在逸骊Job平台获得工作介绍机会——这些看 似和金融无关的场景，已经成为马上消费科技赋能、助力个体实现梦想的生动图景。 近日，马上消费发布《2024年度社会责任（ESG）报告》（以下简称"报告"），用一系列硬核数据揭开了数字金融的温度密码。 2024年是中国ESG迈向"标准化"的重要一年，中国财政部等九部委发布了《企业可持续披露准则——基本准则（试行）》，同时，香港联交所发布《环境、 社会及管治报告守则》，对ESG披露作出进一步要求。与此同时，中央金融工作会议指出，金融要为经济社会发展提供高质量服务，做好科技金融、绿色金 融、普惠金融、养老金融、数字金融五篇大文章。对于金融机构而言，落实好中央金融工作会议精神，深入布局金融"五篇大文章"，扎实推进ESG理念与可 持续发展，是锚定建设金融强国目标，扎实推动金融高质量发展的关键路径。 马上消费董事长赵国庆在《报告》开篇辞中表示：作为一家技术驱动的数字金融机构，马上消费始终坚持业务稳健经营与长期社会责任一体推进。通过科技 创新提升普惠金融服务效能，激活居民消费潜能， ...

Group 1: Market Overview - The Chinese digital financial market is rapidly developing and is the largest in the world, with a projected size of $3.2 trillion in 2024, contributing significantly to the global digital finance market, which is expected to exceed $4.5 trillion [1] - Digital finance is enhancing the quality of financial services through technological innovation and model transformation, positioning China as a global leader in this sector [2] Group 2: Empowering Various Financial Sectors - Digital finance serves as a foundational engine for the development of technology finance, green finance, inclusive finance, and pension finance, improving service efficiency and accessibility [3] - Digital technology enhances the efficiency of inclusive finance by improving service availability, quality, and reducing costs [3] - The integration of personal carbon accounts into credit evaluation systems is being explored to drive social green transformation, potentially offering better loan terms for customers with low-carbon lifestyles [3] Group 3: Pension Finance and Investment Stability - Digital technology aids in stabilizing investments and managing risks in pension finance, focusing on asset preservation and providing convenient services [4] - The future of digital finance and technology finance requires collaboration across various sectors, including building a high-quality data market and enhancing regulatory technology capabilities [4] Group 4: Regulatory Challenges - The rapid development of digital finance presents new challenges for regulators, who must balance encouraging innovation while maintaining financial risk controls [5] - The introduction of the Hong Kong Stablecoin Regulation aims to address risks associated with stablecoins while promoting their innovative value [6] - Effective risk management in the stablecoin market requires a comprehensive and segmented approach to regulation, including strict entry requirements for issuers and monitoring of transaction risks [6]