This article constructs a model of the development trend of green finance under the influence of various factors such as big data and the Internet of Things through literature review and personal practice. Based on the pattern of domestic "dual carbon" environment driving the vigorous development of digital economy, it solves the problem of the effect differences under traditional financial system, credit constraint mechanism, and financial supervision on the development of green finance. At present, green finance in the Chinese market is only at a relatively large scale, but it has broad development prospects and can further break through with the development of the digital economy. Therefore, exploring it, finding the right direction and reasonable development strategies can improve the quality and efficiency of China's financial market.