Low Carbon Consumer Lending Fintech Product Design Report

Abstract

In short, green growth will play a central role on the road to a more resilient recovery, and financial technology will be a key driver. Fintech, as an essential support in building a green financial system, will play a key role in supporting green finance to serve the real economy more efficiently.

This article focuses on the design of low-carbon consumer credit as a financial technology product, given the high costs of green transformation for businesses and the financing and credit risks they face. Through big data, cloud computing, machine learning and other technologies, the product will help businesses to go green, create value for users and bring positive energy to society. In response to the national “dual carbon” target, low-carbon consumer credit will become an important driver to foster the development of emerging industries. This design differs from generic financial technology products in that the design focuses on green, economic benefits, while taking into account corporate social responsibility, and the use of machine learning to create an anti-fraud system throughout credit risk management, loan withdrawal, and detection of all aspects to ensure maximum security for users.