Lu Le Shu, Managing Director of Ping An Bank's Strategic Development Department: Personal carbon account may become a key direction for commercial banks to support consumer transformation

The 21st Century Business Herald reporter Li Dushangyu intern Liu Yuqing reported that "With the opening of the national carbon trading market, the asset attributes of corporate carbon quotas have gradually become clear, and the personal carbon reduction displacement is also expected to become the carbon assets of currency -like.碳账户来承载。商业银行具备建设个人碳账户的天然优势，借助完整的内部运营体系、严格的外部监管体系和丰厚的账户体系运营经验，能够形成具有公信力的碳账户。”近日，在第三At the Daily Forum of Peking University Guanghua Case Day, Lu Le Shu, managing director of Ping An Bank's Strategic Development Department, shared the practice and thinking in the field of personal carbon accounts.

In the context of the "double carbon", my country's environmental policies are mostly focused on the production end, and the green transformation of the industry has entered the right track. But in fact, the energy consumption and carbon emissions based on the consumption process are also important sources of carbon emissions.

In 2021, about 70%of the global greenhouse gas emissions comes from home consumption (including direct emissions and indirect emissions), while my country's household consumer carbon emissions account for 53%of the total carbon emissions. In the same year, my country's final consumption expenditure contributed 65.4%to the growth of GDP. Therefore, promoting green transformation of consumption end at this stage is of great significance to the high -quality economic development.

According to the calculation of the Ministry of Ecology and Environment, the green transformation in the field of consumption in my country is lagging behind the production end. The efficiency of green transformation in the production field is not enough to offset the negative resources and environmental impacts brought about by the expansion of consumption, which directly led to the slowdown in the overall green transformation trend of the economy. At the same time, the consumer carbon reduction emission reduction is facing problems such as insufficient low -carbon consumption behavior, insufficient green product supply, relatively scattered scenes, and less emission reduction. Carbon emission reduction mainly relies on the subjective initiative of various institutions.

According to Lu Le Shu, the personal carbon account led by the regulatory agency represented by the Luzhou Center Branch of the People's Bank of China can provide individuals with carbon loans. It forms a green rating based on personal behavior, and provides users with different prices, terms and quotas, and the quota and quota should be provided. Green loan.

Personal carbon accounts dominated by commercial banks represented by Ping An Bank, the debit card and credit card business are integrated through green scenes to motivate users to conduct green consumption and practice low -carbon behavior. Green energy and carbon reduction displacement, and provide a variety of green rights.

"Commercial bank carbon accounts use information technology to achieve organic combination of customer management and green equity. It is an innovative attempt for commercial and public welfare to achieve Pareto's improvement." Lu Le Shu believes that commercial banks have the responsibility and the ability to obtain customer resources through their own resources. The layout adjustment to guide customers to carry out green consumption and practice green behavior, and gather increasingly growing low -carbon customer bases with green platforms to help social lifestyle and their own business green and low -carbon transformation.

Lu Le Shu called on financial institutions such as banks, insurance, securities, and other commercial entities to actively participate in the construction of personal carbon accounts, and can start trying local alliances. From the establishment of the horizontal standards of industry forces, to the vertical cooperation of cross -border linkage, or the path of gradually connected the carbon account of residents. She also hopes that regulatory agencies and policies can notice these positive attempts, give more clear guidance, condense the attempts from all walks of life into joint efforts, and jointly implement the "dual carbon" goal.

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