金融学院知识库

碳排放是一个全球性挑战，必须通过全球合作来解决。改革开放以来，中国经济社会发展虽然获得了令人瞩目的成绩，但由于长期以来粗放式的经济增长模式导致了中国碳排放问题越来越突出，从而对中国农业生产、社会经济发展以及人们日常生活带来了巨大的负面影响，也严重降低着中国百姓生活的幸福指数以及中国经济社会的健康发展，所以，推动碳减排发展进程刻不容缓。

近几十年来，由于数字技术的飞快发展，传统金融与数字技术相结合形成了数字金融这一新业态，极大地提升了金融服务效率与质量，更便于满足客户日益增长的金融服务需求。数字金融借助数字技术，能够打破地域限制，降低了金融服务成本，提高了金融服务的覆盖服务，从而优化了金融资源配置，推动了社会技术进步，促进的经济的健康发展。然而，数字金融发展对碳排放的影响效果如何，两者是否有一定的联系？数字金融发展又是如何影响到碳排放的，有哪些作用路径？这些都是目前学术界所广泛关注的问题。

本文主要采用文献分析、理论及作用机理分析、现状分析以及实证分析等方法，多方面地探究数字金融对碳排放的影响效应以及产业结构升级和绿色技术创新的中介效应。本文通过回顾归纳和总结了相关文献研究，重点讨论了数字金融发展、碳排放两者之间关系以及产业结构升级和绿色技术创新在其中的影响作用。首先，阐述了数字金融、碳排放、产业结构升级以及绿色技术创新的概念界定，并重点探讨了数字金融、产业结构、绿色技术创新对碳排放的影响机理。同时，本文在以北大数字普惠金融指数衡量各地区数字金融发展水平的基础上，收集我国30个省级地区的相关面板数据，并进一步地构建相应的实证检验模型，检验数字金融对碳排放的直接影响效应。此外，在进一步研究中引入产业结构以及绿色技术创新水平作为中介变量，探讨数字金融对碳排放的间接作用路径。根据实证结果得出相关结论，研究结论主要包括：（1）近几年我国数字金融发展迅速，但区域差距不断拉大；（2）数字金融发展能有效推动碳减排事业的发展；（3）数字金融对碳减排的产业结构升级效应存在且效果显著；（4）数字金融能够有效促进区域绿色创新水平，但绿色技术创新对碳排放的抑制作用并不显著。最后依据本文的研究结论，从数字金融、政府、产业结构等角度提出相关政策建议。

论文主要的创新点概括如下：（1）从数字金融的角度探讨碳排放的影响，丰富了相关研究；（2）拓展了研究视角和理论分析框架。基于产业结构升级和绿色技术创新的视角，讨论了数字金融对碳排放的间接作用机制。

Carbon emissions are a global challenge that must be addressed through global cooperation. Since the reform and opening up, China's economic and social development has achieved remarkable results, but due to the long-term extensive economic growth model, China's carbon emissions issue has become increasingly prominent, which has brought enormous negative impacts on China's agricultural production, socio-economic development, and people's daily life. It has also seriously lowered the happiness index of Chinese people's lives, and seriously restricted the healthy development of China's economy and society. Therefore, Promoting the development process of carbon emission reduction brooks no delay.

In recent decades, due to the rapid development of digital technology, the combination of traditional finance and digital technology has formed a new format of digital finance, greatly improving the efficiency and quality of financial services, and making it easier to meet the growing demand for financial services from customers. With the help of digital technology, digital finance can break geographical restrictions, reduce the cost of financial services, improve the coverage of financial services, optimize the allocation of financial resources, promote social and technological progress, and promote the healthy development of the economy. However, what is the impact of the development of digital finance on carbon emissions? Is there a certain connection between the two? How does the development of digital finance affect carbon emissions, and what are the action paths? These are issues that are currently widely concerned by the academic community.

This article mainly uses methods such as literature analysis, theoretical and functional mechanism analysis, current situation analysis, and empirical analysis to explore the impact of digital finance on carbon emissions, as well as the intermediary effect of industrial structure upgrading and green technology innovation. This article reviews and summarizes relevant literature research, focusing on the relationship between the development of digital finance and carbon emissions, as well as the impact of industrial structure upgrading and green technology innovation. Firstly, it elaborates the concept definition of digital finance, carbon emissions, industrial structure upgrading, and green technology innovation, and focuses on the impact mechanism of digital finance, industrial structure, and green technology innovation on carbon emissions. At the same time, on the basis of measuring the development level of digital finance in various regions using the Peking University Digital Inclusive Finance Index, this article collects relevant panel data from 30 provincial regions in China, and further constructs corresponding empirical testing models to test the direct impact of digital finance on carbon emissions. In addition, in further research, industrial structure and green technology innovation level are introduced as intermediary variables to explore the indirect role of digital finance on carbon emissions. Based on the empirical results, relevant conclusions are drawn, which mainly include: (1) In recent years, China's digital finance has developed rapidly, but the regional gap continues to widen; (2) The development of digital finance can effectively promote the development of carbon emission reduction undertakings; (3) The industrial structure upgrading effect of digital finance on carbon emission reduction exists and is significant; (4) Digital finance can effectively promote the level of regional green innovation, but the inhibitory effect of green technology innovation on carbon emissions is not significant. Finally, based on the conclusions of this study, relevant policy recommendations are proposed from the perspectives of digital finance, government, and industrial structure.

The main innovations of this paper are summarized as follows: (1) Exploring the impact of carbon emissions from the perspective of digital finance enriches relevant research; (2) Expand the research perspective and theoretical analysis framework. Based on the perspective of industrial structure upgrading and green technology innovation, the indirect mechanism of digital finance on carbon emissions is discussed.