金融学院知识库

黄河流域横跨我国东、中、西三个地带，是我国重要的能源、化工、原材料以及基础工业基地，延黄各省拥有大量资源型城市。然而黄河流域复杂的自然地貌以及脆弱的环境资源屏障给黄河流域的可持续发展带来了一系列挑战。流域内产业层次偏低且重工业化明显，以煤炭为主的能源消费结构产生了大量的二氧化碳。黄河流域经济发展与环境保护间的矛盾日益加剧。流域内区域经济发展不均衡，绿色金融与低碳经济发展差异较大问题严重。

本研究选取黄河流域33个地级市2012-2021年的年度数据，运用熵值法从绿色信贷、绿色投资、绿色债券、绿色保险绿色权益4个维度构建黄河流域绿色金融评价指标体系，从低碳产出、低碳消费、低碳环保、低碳经济4个维度构建低碳经济评价指标体系，以此为基础探索黄河流域绿色金融与低碳经济发展现状。再次，通过构建耦合协调度模型，测度黄河流域绿色金融与低碳经济发展的耦合协调发展情况，探索黄河流域上、中、下游绿色金融与低碳经济协调发展的时空差异与演变格局。

研究发现，黄河流域绿色金融与低碳经济发展间正向协同作用明显，二者形成相互促进，良性互动发展的格局。绿色金融引导资金流向绿色产业产业，推动绿色技术发展。同时低碳经济发展也推动绿色金融产品不断创新与提升，二者间存在显著的合作关系。 但黄河流域绿色金融与低碳经济的发展水平存在明显的空间差异，上游地区耦合度远低于全流域平均水平，黄河流域绿色金融与低碳经济发展耦合协调度等级的空间演变格局呈现由上至下逐渐上升的趋势。根据以上研究结论，本研究提出（1）因地制宜发展绿色金融与低碳经济（2）促进黄河流域上中下游的协同作用，缩小区域差异（3）促进绿色金融产品创新，推动绿色技术革新（4）制定有效的环境规制政策以保证绿色金融平台的积极性的在政策建议。

With the global attention to energy and emission reduction targets, green finance and low-carbon economic development has become the focus of the research community. The Yellow River basin is an important base of energy, chemical industry, raw material and basic industry in China. However, the complex natural geomorphology and the fragile environment and resources barrier bring a series of challenges to the sustainable development of the Yellow River basin. The industrial level in the basin is low and heavy industrialization is obvious. The energy consumption structure mainly based on coal produces a large amount of carbon dioxide. The contradiction between economic development and environmental protection in the Yellow River basin is increasing. The regional economic development in the basin is not balanced, and the difference between green finance and low-carbon economy is serious. In this paper, 34 prefecture-level cities in the Yellow River basin from 2012 to 20212021 data, the evaluation index system of green finance in the Yellow River basin is constructed by using entropy method from five dimensions of green credit, green investment, green bond, Green Insurance and green equity, the evaluation index system of Low-carbon economy is established from four dimensions of low-carbon output, low-carbon consumption, low-carbon environmental protection and low-carbon economy. Thirdly, by constructing the coupling coordination degree model, the paper measures the coupling and coordination development of green finance and low-carbon economy in the Yellow River basin, to explore the space-time difference and evolution pattern of coordinated development of green finance and low-carbon economy in the upper, middle and lower reaches of the Yellow River basin. Finally, according to the results of theoretical analysis and empirical analysis, combining with the status and problems of green finance and low-carbon economy development in the Yellow River basin, the paper puts forward some countermeasures and suggestions to promote the development of green finance and low-carbon economy in the Yellow River basin.