Leveraging fintech for green credit with innovations, effectiveness and strategic path

This paper focuses on the field of green credit business, offering a comprehensive review of the actual use and performance of innovative data applications, while also analyzing the latest industry developments through academic literature. As China transitions toward highquality development and aims to achieve its dual carbon goals, financial institutions have taken the lead in launching green financial instruments, among which green credit plays a critical role. However, it also faces many challenges. In recent years, the rapid development of fintech has been widely applied in the financial sector. The synergy between fintech and green finance is a key driver for green, lowcarbon, and circular development. The overarching strategy for fintech to promote green credit innovation is policydriven, with commercial banks as the main actors, supported by fintech to assist enterprises in emission reduction and green transformation.This paper presents practical examples of how technologies such as big data, artificial intelligence (AI), and blockchain are applied in green credit, highlighting how innovative data drives the development of green credit. It also reviews relevant academic literature and provides a critical reflection on the innovative use of data in green credit, offering insights for future development in this field.