金融“活水”浇灌绿色发展 杭州银行的绿色金融实践

Core Viewpoint - Hangzhou Bank has been recognized for its exemplary practices in green finance, marking its significant contribution to the integration of green finance and ecological civilization construction, coinciding with the 20th anniversary of the "Green Mountains and Clear Water are Gold and Silver Mountains" concept [1] Group 1: Strategic Layout - Hangzhou Bank has deeply integrated into the national "dual carbon" goals and the overall green development deployment of Zhejiang Province, systematically advancing its green finance strategy [2] - The bank has established a three-tiered organizational system for green finance, providing solid organizational support for the development of green business [2] - As a local bank in Hangzhou, it has actively supported the city's carbon peak pilot construction and signed the "Green Finance Support for National Carbon Peak Pilot City Construction Initiative" [2] Group 2: Innovation Empowerment - As of the end of Q2 2025, Hangzhou Bank's green loan balance reached 97.172 billion, with a year-to-date growth rate of 9.77%, outpacing the average growth rate of all loans [3] - The bank has launched innovative products such as sustainable development-linked loans and pollution rights mortgage financing to meet diverse green finance needs [3] - It has also developed personal carbon account systems and introduced "green deposits" and ESG-themed wealth management products to engage individual customers in green finance [3] Group 3: Tailored Support for Green Finance Reform - Hangzhou Bank has actively participated in the construction of pilot cities for green finance reform, tailoring service strategies to the unique characteristics and needs of different cities [4] - In Huzhou, the bank has engaged in local green loan initiatives and supported large-scale equipment updates in the industrial sector [4] - In Lishui, it has created zero-carbon bank outlets and supported various climate investment projects, contributing to the city's status as a national climate investment pilot [4] Group 4: Internal and External Development - Hangzhou Bank has implemented a comprehensive ESG risk management system to enhance its internal control capabilities and effectively mitigate potential risks in green finance [6] - The bank is advancing its digital transformation by launching virtual digital services, improving service efficiency while reducing paper consumption and carbon emissions [6] - It promotes a green office culture among employees, advocating for energy-saving and emission-reduction practices [6]