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聯合國相關機構（SDGs、DESA、UNDP、UNEP）
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國際政策智庫（WEF、OECD、World Bank 政策討論層）
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跨國政府顧問、文明治理、AI 治理專題
Executive Chapter
Civilization Finance in the Age of AI
Institutionalizing Charity Economicism for Global Governance
Author: Frank Chen
Theoretical Framework: Charity Economicism
Application Layer: NATS × GCEDB
Policy Relevance: UN SDGs, AI Governance, Sustainable Finance
1. Executive Summary
This chapter introduces Civilization Finance, a next-generation financial paradigm designed to address systemic failures in the current global financial system. While modern finance has significantly improved capital efficiency, it has failed to internalize life, social, and intergenerational costs, thereby accelerating climate instability, public health crises, and social fragmentation.
Grounded in the theory of Charity Economicism, Civilization Finance proposes a structural transition from profit-centric finance toward life-value-maximizing financial governance, enabled by AI-driven cost calculation and institutional design.
The framework is operationalized through two complementary mechanisms:
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NATS as a civilization-based reserve asset
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GCEDB as a global institutional platform for civilization-oriented financial governance
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2. Problem Statement: The Civilization Gap in Global Finance
Contemporary financial systems primarily optimize for:
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Capital returns
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Liquidity
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Risk-adjusted profitability
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However, they systematically exclude:
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Human life and health costs
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Environmental and ecosystem degradation
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Long-term intergenerational risks
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As a result, global finance increasingly operates as a high-efficiency system with low civilization resilience.
The central policy challenge is not financial inefficiency, but civilization-level risk externalization.
3. Definition: What Is Civilization Finance?
Civilization Finance is defined as:
A financial governance framework that systematically integrates life value, social costs, and intergenerational responsibility into financial decision-making, using AI-enabled computation and institutional mechanisms.
It represents a structural evolution beyond ESG and impact finance by embedding civilization risk directly into the financial architecture rather than treating it as an external reporting metric.
4. NATS: A Civilization-Based Reserve Asset
Within this framework, NATS functions as a civilization-based reserve asset, characterized by:
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Value anchoring in long-term civilization consensus rather than short-term market speculation
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Alignment with life-value preservation, cultural continuity, and sustainable development
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Compatibility with AI-based governance and traceability
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NATS is not designed as a speculative instrument, but as a value-stabilizing reserve layer for civilization-oriented financial systems.
5. GCEDB: Institutional Infrastructure for Civilization Finance
The Global Charity Economic Digital Bank (GCEDB) serves as the institutional engine of Civilization Finance by:
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Converting life-enhancing activities (health, education, sustainability) into measurable financial value
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Internalizing civilization risks within financial decision processes
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Utilizing AI governance to assess long-term social and environmental impacts
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GCEDB enables a transition from morality-based charity to systemic, accountable civilization finance.
6. NATS × GCEDB: A Closed-Loop Civilization Finance Model
Together, NATS and GCEDB form an integrated financial ecosystem:
This model transforms finance from a mechanism of value extraction into a civilization value reinforcement system.
7. Policy Relevance to the United Nations and Global Governance
Civilization Finance provides a practical financial layer for advancing the UN SDGs by:
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Offering a reserve asset aligned with long-term development goals
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It addresses a critical gap between SDG aspirations and financial implementation capacity.
8. Strategic Implications for Policymakers
For global institutions, Civilization Finance offers:
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A scalable framework for integrating AI governance into sustainable finance
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A new category of reserve assets aligned with civilization resilience
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A pathway for long-term risk management beyond conventional financial metrics
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9. Conclusion
Finance must evolve from maximizing capital efficiency to safeguarding civilization continuity.
Civilization Finance, as articulated through Charity Economicism and operationalized via NATS × GCEDB, offers a viable institutional pathway for aligning financial systems with humanity’s long-term survival and development.
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Embedding accountability and traceability through AI governance
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Reducing reliance on voluntary donations by creating systemic financial incentives