12.47转型金融发展与科技赋能典型场景研究2025年7月Ant GroupResearchIFS北京绿色金融与可持续发展研究院蚂蚁集团研究院INSTITUTE OF FINANCE AND SUSTAINABILITY北京绿色金融与可持续发展研究院INSTITUTE OF FINANCE AND SUSTAINABILITY北京绿色金融与可持续发展研究院（北京绿金院）是一家注册于北京的非营利研究机构。我们聚焦E$G投融资、低碳与能源转型、自然资本、绿色科技与建筑投融资等领域，致力于为中国与全球绿色金融与可持续发展提供政策、市场与产品的研究，并推动绿色金融的国际合作。北京绿金院旨在发展成为具有国际影响力的智库，为改善全球环境与应对气候变化做出实质贡献。The Institute of Finance and Sustainability (IFS)is a Bejing-based non-profit research institutionspecialized in areas such as ESG investment,natural capital,green technology innovation,and low-carbon transition.Its mission is to advance green finance and sustainable development in China andbeyond,through high-quality research on policies,markets and products.It aims to become a globallyrecognized think tank and make substantial contributions to intemational efforts to protect theenvironment,conserve nature and combat climate change版权声明本报告版权归北京绿色金融与可持续发展研究院（北京绿金院）所有。本报告用于在特定领域的研究与交流，未经北京绿金院授权，请勿转载、摘编或以其他方式使用其内容。如引用报告内容，应清晰注明来源。如有内容或合作等问题，请通过如下电邮联系我们：info@ifs.net.cnCopyright PolicyThe copyright of this report belongs to the Institute of Finance and Sustainability(IFS).This report isintended for research and knowledge sharing only.Any redistribution,reproduction or use in any otherform of any part or all of its content without the authorization of the IFS is prohibited.Please clearlyattribute the source when quoting from this publication.For any inquiries regarding its content orpotential collaboration opportunities,please contact us at info@ifs.net.cn