The report of the 20th National Congress of the Communist Party of China pointed out that we should "actively and steadily promote carbon peak and carbon neutralization", and specifically pointed out that "improve the carbon emission statistics and accounting system, and improve the carbon emission rights market trading system". The "individual carbon account" is closely related to the carbon emission statistical accounting system and the development of the carbon market. The development of "individual carbon accounts" is an effective way to promote green development and promote the harmonious coexistence of human and nature. However, the "personal carbon account" has just started, and there are many problems, such as the lack of credibility of personal information security protection and platform, the limited incentive effect of personal carbon inclusion, and the need to strengthen the interoperability of data and other elements, which have a certain impact on the development and sustainability of the "personal carbon account". "Personal carbon account" needs to prevent the disclosure and abuse of personal privacy information in data centralization. Although the banking system promises to use the national secret algorithm to encrypt data throughout the process, the e-commerce platform has also said that it will continue to strengthen the governance of the source of information security, but the platforms have not yet issued detailed data source management documents, and consumers still face the risk of personal data privacy being violated, and the "personal carbon account" involves the green behavior of customers in all aspects of clothing, food, housing and transportation, The information collection process of the carbon emission reduction platform will increase the risk of user data leakage. In order to enhance the credibility of the platform and ensure the security of user information, it is necessary to restrict the behavior of the commercial platform when collecting personal information. The "personal carbon account" platform is constrained by the introduction of targeted personal information protection policies to protect the privacy of the "personal carbon account". At the same time, it is necessary to ensure the rationality of the emission reduction calculation method. The third party institution that calculates the emission reduction needs to be authoritative and carry out the carbon account accounting according to the relevant national standards. The emission reduction calculation method needs to be further open and transparent. In addition, we need to adhere to the voluntary principle of "individual carbon account", encourage citizens to apply for establishment independently, and eliminate mandatory binding. Therefore, the establishment of "individual carbon account" requires the government to develop scientific and standardized methods, improve user coverage, establish unified and effective low-carbon behavior measurement methods and information traceability channels, clarify the ownership of sovereignty, provide users with more reliable big data services, and prevent information disclosure risks. The report of the 20th CPC National Congress pointed out that we should "advocate green consumption, promote the formation of green and low-carbon production and lifestyle" and "adhere to green and low-carbon, and promote the construction of a clean and beautiful world". The establishment of a "personal carbon account" will undoubtedly greatly promote the formation of a green and low-carbon lifestyle, thus promoting the green and low-carbon transformation on the consumer side. However, the "personal carbon account" is still in its infancy, and its coverage is relatively narrow. The existing credit exchange policy is not very attractive to users, and the incentive effect is not obvious. As the incentive effect of individual carbon inclusion is limited, the diversification of incentives should be further considered, and the current regional and single platform carbon emission reduction data should be connected and combined to form a national "individual carbon account" for data exchange, and gradually build a bridge between individual carbon emission reduction and the national carbon market. To promote the development of "individual carbon account", we need to adopt a diversified incentive mechanism, promote the participation of government, enterprises, the public and other parties, connect consumption and production, and form a closed loop of resource utilization.