省农信联社：“绿色产业贷”推动企业高质量发展，服务全省低碳转型

Core Viewpoint - Shandong Rural Credit Cooperative Union's "Green Industry Loan" has been recognized as a 2025 "Good Financial Product - Green Finance," aimed at supporting small and micro enterprises, agriculture, innovation, and strategic emerging industries in environmental improvement and resource efficiency [1] Group 1: Loan Overview - The "Green Industry Loan" is designed for small and micro enterprises, agricultural entities, innovative startups, and strategic emerging industry projects, with a focus on environmental improvement and climate change response [1] - The loan is backed by government financing guarantee institutions in Shandong Province, ensuring credit enhancement for borrowers [1] Group 2: Eligibility and Conditions - Borrowers must have normal production and operation, and cannot be involved in real estate development; the total guarantee balance for the same borrower should not exceed 10 million yuan [2] - Loan purposes must align with the "Green Industry Guidance Catalog (2019 Edition)," covering six categories including energy conservation, clean production, and ecological environment [2] Group 3: Loan Terms - The maximum loan amount per borrower is capped at 10 million yuan, determined by credit status, operational conditions, repayment ability, and project expected returns [2] - Interest rates are preferential and linked to the borrower's carbon performance, generally not exceeding the current LPR + 100 basis points [3] - Loan terms can be up to three years, based on the borrower's usage, operational cycle, and repayment capacity [3] Group 4: Guarantee and Repayment - Loans are guaranteed by government financing guarantee institutions listed in the provincial guarantee group, which also provides re-guarantee services [4] - Various repayment methods are available, including periodic interest payments with principal repayment at maturity, one-time repayment, and equal principal or interest payments, with mid to long-term loans requiring at least semi-annual principal repayments [4]