Qi Lu Wan Bao·2025-08-28 02:38Core Viewpoint - Green finance is both a national strategy and a critical aspect of bank transformation, with Shandong Bank focusing on supporting the "dual carbon" goals and promoting green development through increased green credit investments [1][11]. Green Finance Development - Shandong Bank has prioritized green finance, increasing its green loan balance to nearly 200 billion yuan by the end of July 2025, with an addition of 48.6 billion yuan since the beginning of the year [1]. - The bank actively supports clean energy and ecological environment industries, meeting the green development needs of enterprises and projects [1]. Product and Service Innovation - Shandong Bank has developed a diversified product service system to meet customer needs, including the innovative carbon emission rights pledge loan, which uses carbon quotas and certified voluntary emission reductions as collateral [3]. - The first carbon emission rights pledge loan was approved in just eight working days, providing a wind power company with a loan of 100 million yuan [3]. EOD Model Implementation - The EOD (Ecological Environment-Oriented Development) model integrates ecological restoration with profitable industries, creating a funding pool for environmental governance [4]. - Shandong Bank has streamlined the financing process by synchronizing project feasibility assessments with financing, significantly improving project efficiency [4]. Financial Support for Projects - The bank's collaborative efforts led to a 20 billion yuan financing intention for an EOD project within four days, reducing the typical review period by 30 days [4][5]. - The EOD project is expected to create thousands of jobs and generate billions in regional output, establishing a sustainable cycle of governance and revenue [5]. Speed in Financing Energy Projects - Shandong Bank has actively supported the construction of clean energy projects, such as a 300MW photovoltaic project, by quickly approving a 400 million yuan fixed asset loan [7][8]. - The bank completed the loan disbursement process in just three days, demonstrating its commitment to rapid financing for energy projects [8]. Comprehensive Financial Services - For the Tai'an pumped storage power station project, Shandong Bank has provided over 1 billion yuan in funding, increasing its credit share from 17.73% to 30.06% [10]. - The bank has expanded its financial services to cover various aspects, including project financing, labor wage services, and personal financial products [10]. Institutional Framework for Green Finance - Shandong Bank has established a Green Finance Committee to oversee and implement green finance initiatives, creating a clear framework for resource allocation and product innovation [11]. - The bank aims to continue enriching its financial offerings and innovating products to support high-quality economic and social development [11].