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Chinese Journal of Management Science ›› 2025, Vol. 33 ›› Issue (5): 344-355.doi: 10.16381/j.cnki.issn1003-207x.2022.0900

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Research on the Mechanism of Perceived Value on the Development of Personal Carbon Account Green Credit

Lili Ding1, Zhongchao Zhao1, Kaixuan Zhang2()   

  1. 1.School of Economics,Ocean University of China,Qingdao 266100,China
    2.Department of Economics,Party School of Shandong Provincial Committee of C. P. C (Shandong Administration College),Jinan 250014,China
  • Received:2022-04-26 Revised:2022-10-21 Online:2025-05-25 Published:2025-06-04
  • Contact: Kaixuan Zhang E-mail:kaixuanzhangouc@163.com

Abstract:

Personal carbon account is a powerful way to reduce carbon emission at the consumer end and achieve the goal of “dual carbon”. Establishing carbon accounts with individuals as the main body and encouraging green credit in personal carbon account can not only play the role of finance in optimizing resource allocation, but also help to change consumption patterns and improve energy use efficiency. In order to further explore the driving role of personal carbon account green loans on low-carbon behavior, and fully interpret the micro mechanism of irrational factors on the development of personal carbon account, this paper constructs the tripartite evolutionary game model of consumers, government and banks in the green credit of personal carbon account, and analyzes the evolutionary equilibrium of the model based on the bounded rationality of decision-makers and combined with the prospect theory. Taking the “point carbon into the gold loan” of Qujiang Rural Commercial Bank as an example, the paper simulates the balanced strategy choice of consumers, government, and banks under the different initial participation intention, government subsidy mode, and risk preferences. The results show that: when the initial willingness to participate is very low, personal carbon account is difficult to develop, and the increase of initial willingness helps to achieve Pareto optimization; compared with direct subsidies, discount interest subsidies are more conducive to promoting consumers' low-carbon consumption; the increase of loss avoidance sensitivity makes consumers more likely to choose low-carbon consumption strategy and banks more likely to choose green credit strategy; the increase of loss aversion sensitivity and titer sensitivity makes consumers more inclined to low-carbon consumption and banks more inclined to green credit, while the increase of cost sensitivity is not conducive to the development of personal carbon account. The conclusion can provide reference for promoting the development of personal carbon account from the aspects of profit and loss perception regulation and risk preference management of decision makers.

Key words: green credit, personal carbon account, profit and loss of perception, prospect theory, evolutionary game

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