Environmental, Social and Governance Practices in the FinTech Era: Credit Markets and the Future of Lending
暫譯: 金融科技時代的環境、社會與治理實踐：信貸市場與未來借貸的展望
Stefanelli, Valeria, Cotugno, Matteo
相關主題
商品描述
In the Twin Transition era, digital technologies and Environmental, Social, and Governance (ESG) paradigms are changing the dynamics of the financial industry in terms of the operators involved and the service models addressed to customers.
This book provides a comprehensive analysis of the interplay between advanced technologies, such as artificial intelligence, blockchain, and machine learning, and the rising importance of Environmental, Social, and Governance (ESG) factors in the financial sector. Thus, it investigates how these twin transitions - digitalization processes and ESG practices - affect credit allocation mechanisms, redefine the roles of traditional financial institutions and alternative finance platforms, and influence the transparency and efficiency of financial markets.
The book adopts an interdisciplinary approach and employs a mixed-methods methodology, combining theoretical models, systematic literature reviews, and empirical analyses to explore jointly, the effect of digitalization and sustainability on financial systems. It addresses several topics, such as the rise of FinTech and crowdfunding platforms, and the integration of ESG criteria into credit risk assessment. Further, it examines the practical challenges faced by financial operators, including information asymmetry, credit risk disclosure, and the impact of ESG integration on financial performance. The book's relevance, originality and contribution to the reference field of literature is further enhanced by the empirical cross-country comparisons and the use of alternative quantitative methods such as multi-criteria decision analysis (MCDA).
The book provides valuable insights for academics, researchers, practitioners, and policymakers, offering a comprehensive understanding of the challenges and opportunities posed by these twin transformative forces - digitalization and sustainability - in the financial sector.
商品描述(中文翻譯)
在雙重轉型時代，數位技術與環境、社會及治理（ESG）範式正在改變金融業的動態，包括參與的運營者和針對客戶的服務模式。
本書提供了對先進技術（如人工智慧、區塊鏈和機器學習）與環境、社會及治理（ESG）因素在金融領域日益重要性之間相互作用的全面分析。因此，本書探討了這兩個轉型——數位化過程和ESG實踐——如何影響信貸分配機制，重新定義傳統金融機構和替代金融平台的角色，並影響金融市場的透明度和效率。
本書採用跨學科的方法，並運用混合方法論，結合理論模型、系統文獻回顧和實證分析，共同探討數位化和可持續性對金融系統的影響。它涉及多個主題，如金融科技（FinTech）和群眾募資平台的興起，以及將ESG標準整合到信貸風險評估中的問題。此外，本書還檢視了金融運營者面臨的實際挑戰，包括資訊不對稱、信貸風險揭露，以及ESG整合對金融績效的影響。本書的相關性、原創性及對參考文獻領域的貢獻，進一步通過實證的跨國比較和使用多準則決策分析（MCDA）等替代定量方法得以增強。
本書為學術界、研究人員、實務工作者和政策制定者提供了寶貴的見解，全面理解這兩股轉型力量——數位化和可持續性——在金融領域所帶來的挑戰與機遇。
作者簡介
Valeria Stefanelli is Full Professor of Financial Markets and Institutions at the University of Salento, Italy.
Matteo Cotugno is an Associate Professor of Financial Markets and Institutions at the Catholic University of the Sacred Heart, Italy.
作者簡介(中文翻譯)
瓦萊莉亞·斯特凡內利是義大利薩倫托大學金融市場與機構的全職教授。
馬泰奧·科圖尼奧是義大利聖心天主教大學金融市場與機構的副教授。
