Creating Sustainability-Oriented Fintech Lending Platforms in Australia

该项目旨在研究金融科技贷款公司如何利用客户的环境信息来评估其信用度，以及基于环境信息的贷款决策是否可以促进环保行为并加速社会向低碳经济的转型。这些目标将通过定量分析和实地实验来实现，定量分析评估使用客户的“碳足迹”来预测违约风险，实地实验分析提案的经济和环境效益。该项目旨在开发一种新的方法，为金融科技公司开发可持续的贷款平台，并为政策制定者建立可持续的金融科技标准。

This project aims to investigate how FinTech lending companies can use customers' environmental information to access their creditworthiness, and whether lending decisions based on environmental information can promote pro-environmental behaviour and expedite the societal transformation towards a low-carbon economy. These aims will be achieved through a quantitative analysis that evaluates the use of a customer's "carbon footprint" for predicting default risk, and a field experiment that analyses the economic and environmental benefits of the proposal. The project intends to develop a new approach that contributes to developing a sustainable lending platform for Fintech firms and establishing sustainable FinTech standards for policymakers.