What does a personal carbon account mean?
The so-called personal carbon account is a "personal carbon account" launched by banks in addition to bank accounts and payment accounts. By giving away points and rights and interests, the account applies personal green behavior to life services and financial services, including water, electricity, gas, small and micro loans, appointment queuing and other fields. This is a key point for the banking industry to explore the innovative development path of green finance.
Generally speaking, banks convert users' online queuing for appointments, paying water and electricity bills, and handling small and micro loans into carbon emission reductions, forming corresponding carbon points, and then users can exchange the carbon points of this account for gifts and services.
Take CITIC Bank as an example, applying for an electronic card can get 89g carbon emission reduction; You can get 89g carbon emission reduction by paying utilities and gas bills; By looking at the electronic bills of credit cards, you can get 24g carbon emission reduction, and these carbon emission reductions will eventually form carbon points, which can be used to exchange rights and interests, such as Youku video member monthly card, iQiyi video member semi-annual card or annual card; Kepp quarterly membership and other benefits.
Rizhao Bank's "Personal Carbon Account" platform was officially launched as early as June 5438+ 10, covering many scenarios such as green government affairs, green credit, green travel, green life and green public welfare. For example, paying utilities can get 500 carbon points, paying heating fees can get 500 carbon points, and registering smart communities can get 500 carbon points.