List of countries.

Fintech development is generally considered as an effective mechanism to promote the consumption of renewable energy sources. The relationship between fintech development and renewable energy consumption have been examined in previous studies. However, the moderating effect of income inequality on this relationship has largely been ignored in the existing literature. As such, this study is conducted to shed light on this moderating effect. Two estimation techniques, including the two-step system generalized method of moments (GMM) and the method of moments quantile regression (MMQR), were used on a sample of 65 countries from 2013 to 2019. Our findings reveal that fintech development plays a vital role in promoting the consumption of renewable energy sources. However, it is crucial to recognize that rising income inequality may hinder the potential positive effects of fintech development on renewable energy consumption. A threshold of income inequality should be maintained to ensure that the positive effect of fintech development on increased renewable energy consumption is not compromised. Policy implications have emerged based on the findings from this study regarding promoting fintech development towards green economic growth and sustainable development.

金融科技（Fintech）发展普遍被视为推动可再生能源消费的有效机制。既往研究已就金融科技发展与可再生能源消费之间的关联展开了探讨。然而，现有文献大多忽略了收入不平等对二者关系的调节效应。有鉴于此，本研究旨在阐明这一调节效应。本研究针对2013至2019年的65个国家样本，采用两步系统广义矩估计（GMM）与分位数回归矩法（MMQR）两种估计方法开展实证分析。研究结果表明，金融科技发展对可再生能源消费具有显著的促进作用。但需注意的是，不断加剧的收入不平等可能会削弱金融科技发展对可再生能源消费的正向推动效应。需维持合理的收入不平等阈值，以保障金融科技发展对可再生能源消费增长的正向效应不受侵蚀。基于本研究结论，本文提出了相关政策启示，以推动金融科技发展助力绿色经济增长与可持续发展。