智能区块链助力绿色金融发展:基于缓解“漂绿”困局的视角  

Smart Blockchain for Green Finance Development:Easing the“Greenwashing”Dilemma in Green Innovation

作　　者：陈睿轩 李善良[1] Chen Ruixuan;Li Shanliang

机构地区：[1]苏州大学政治与公共管理学院,江苏苏州215123

出　　处：《金融理论与实践》2024年第1期55-65,共11页Financial Theory and Practice

基　　金：江苏省研究生科研与实践创新计划项目“区块链对绿色金融的影响机理研究——基于政府干预角度”(KYCX23_3218)的阶段性成果。

摘　　要：绿色金融是帮助企业进行绿色创新的重要手段,但在实践中也存在一些“漂绿”行为。在传统绿色信贷模式下,可能由于信息不对称或代理冲突,金融机构和企业之间存在着委托代理问题,难以实现互信。基于此,提出一种基于智能区块链的数字化绿色信贷,来化解“信息孤岛”效应,并构建了传统绿色信贷和数字化绿色信贷两个演化博弈模型来探究智能区块链对于绿色信贷的影响。研究表明:(1)企业“漂绿”行为是影响绿色金融健康发展的重要因素;(2)智能区块链通过降低信息不对称和建立声誉机制,可以有效缓解“漂绿”困局。研究结论丰富了“漂绿”行为的理论依据并为绿色金融的可持续发展提供了思路借鉴。Green finance is an important means of helping enterprises carry out green innovation,but there is also a certain amount of“greenwashing”in practice.Under the traditional green credit model,there is a principal-agent problem between financial institutions and enterprises due to infor⁃mation asymmetry and agency conflicts,which makes it difficult to realize mutual trust.Based on this,a digital green credit based on smart blockchain is proposed to solve the“information island”effect,and two evolutionary game models of traditional green credit and digital green credit are con⁃structed to investigate the impact of smart blockchain on green credit.The study shows that:(1)en⁃terprises“greenwashing”behaviors are an important factor affecting the healthy development of green finance;(2)smart blockchain can effectively alleviate the“greenwashing”dilemma by reduc⁃ing information asymmetry and establishing a reputation mechanism.The conclusion of the study en⁃riches the theoretical basis of“greenwashing”behavior and provides ideas for the sustainable devel⁃opment of green finance.

关 键 词：绿色创新 绿色信贷 “漂绿” 智能区块链 演化博弈 委托代理理论 

分 类 号：F830.5[经济管理—金融学]