让绿色金融成为绿色产业发展“助推器”和“导航仪”

Core Viewpoint - Financial institutions need to enhance their green finance service capabilities by understanding the essence and positive impact of green finance, avoiding superficial efforts to "go green" without substance [1][2] Group 1: Green Finance Implementation - Financial institutions should establish dedicated green finance service teams and integrate green initiatives with daily operations to avoid a disconnect between "green" and business practices [1][2] - Agricultural Bank of Huzhou has reduced its carbon emissions to 4,439.11 tons in 2024, a decrease of 77.4 tons from the previous year, and has implemented solar power projects that generated 10.47 million kWh, reducing carbon emissions by over 60 tons [2] - The bank has transformed its green finance service capability from an elective to a mandatory aspect, emphasizing the need for a tailored green finance service system and a long-term mechanism for capability enhancement [2] Group 2: Role of Green Finance - Green finance acts as a "booster" for enterprises within the green industry or those improving their operations towards sustainability, with financial institutions providing customized green finance solutions based on specific needs [3] - A quantifiable green indicator evaluation system is essential for financial institutions to assess and match credit limits and pricing, with favorable green credit pricing enhancing the "navigation" function of green finance [3] - The "navigation" function influences the allocation of credit funds based on the degree of greenness of projects, promoting awareness and adherence to green policies within society and industries [3] Group 3: Dynamic Nature of Green Finance - The effectiveness of green finance is a dynamic process that requires ongoing assessment of the green quantifiable indicators of demand entities, as current green status does not guarantee future sustainability [4] - The low non-performing loan rate in green credit is attributed to the stability and lower risk profile of enterprises that meet green credit criteria, indicating that companies committed to sustainable practices generally possess better resilience [4]