用AI提升可持续金融效率，同时建立负责任的监管框架
Empowering Sustainable Finance with Artificial Intelligence: A Framework for Responsible Implementation
- 构建AI与ESG融合的决策框架，助力气候风险识别与目标设定
- 2029年全球AI市场规模将达13943亿美元，推动绿色金融创新
- 强调透明性、可解释性与监督机制，确保AI在金融中负责任应用
本文探讨环境、社会和治理（ESG）投资兴起与人工智能（AI）技术迅猛发展之间的交汇。随着对绿色贷款、ESG关联贷款等多样化ESG工具需求增加，全球AI市场预计到2029年将达到13943亿美元。AI可用于识别和定价气候风险、设定更具雄心的ESG目标，推动可持续金融决策。然而，将可持续金融决策交由AI带来严重风险，亟需建立新的AI与ESG投资原则以缓解风险。本文指出规范制定面临的挑战，强调合法性、监督与验证、透明度及可解释性原则的精细化调整。最后，主张在非财务信息披露中整合AI，必须增强责任感，并在AI与ESG投资领域确立基本指导原则。
原文摘要 · Abstract (English)
This chapter explores the convergence of two major developments: the rise of environmental, social, and governance (ESG) investing and the exponential growth of artificial intelligence (AI) technology. The increased demand for diverse ESG instruments, such as green and ESG-linked loans, will be aligned with the rapid growth of the global AI market, which is expected to be worth $1,394.30 billion by 2029. AI can assist in identifying and pricing climate risks, setting more ambitious ESG goals, and advancing sustainable finance decisions. However, delegating sustainable finance decisions to AI poses serious risks, and new principles and rules for AI and ESG investing are necessary to mitigate these risks. This chapter highlights the challenges associated with norm-setting initiatives and stresses the need for the fine-tuning of the principles of legitimacy, oversight and verification, transparency, and explainability. Finally, the chapter contends that integrating AI into ESG non-financial reporting necessitates a heightened sense of responsibility and the establishment of fundamental guiding principles within the spheres of AI and ESG investing.
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