INTERNATIONAL EXPERIENCE IN THE APPLICATION OF ARTIFICIAL INTELLIGENCE (AI) IN GREEN FINANCE DEVELOPMENT AND POLICY IMPLICATIONS FOR VIETNAM

In the context of increasing climate change challenges and the growing demand for sustainable development, green finance has become a major trend in the global financial system. At the same time, artificial intelligence (AI) is being increasingly adopted by many countries to enhance ESG governance, assess environmental risks, and optimize green investment decisions. This paper reviews and analyzes international experiences in applying AI to promote green finance in several representative countries, thereby drawing policy implications for Vietnam. Using a literature review and analytical approach, the study shows that countries such as China, Singapore, and Japan have actively applied AI in ESG data analysis, climate risk forecasting, monitoring green financial markets, and detecting greenwashing practices. In addition, these countries place strong emphasis on building environmental databases, developing green fintech ecosystems, and improving regulatory frameworks to support the adoption of digital technologies in the financial system. The findings suggest that integrating AI into green finance not only enhances the transparency of financial markets but also helps direct capital flows toward environmentally friendly and sustainable projects. Based on international experience, the paper proposes several policy implications for Vietnam, including the development of a national ESG database, the improvement of green taxonomy systems, the promotion of AI adoption in financial institutions, and the development of technology-oriented human resources. These solutions are expected to contribute to the advancement of green finance and support the achievement of sustainable growth objectives in Vietnam.