How do you burn body fat while retaining muscle mass?

I have been doing 1 hour of stationary biking daily for the past month in a bid to burn off body fat from my abdominal area. I also do weights training 4 times a week. I consume roughly 2000-2200 calories daily which is the recommended/slightly below recommended quantity to maintain body weight for a 22 yr old male. It has not been very successful as there is still body fat on my torso. I am not keen to go on a high protein low carbohydrate diet. If you are going to suggest one, could you kindly explain the need to exclude carbohydrates? I do not understand the need to exclude carbs when the calorie totals of 2 different diets(1 balanced and 1 low carb high protein) are equal. Any advice is appreciated, thanks!

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