INDUSTRIAL BANK(SH:601166) Zhong Guo Jing Ying Bao·2025-09-24 02:53Core Insights - The article emphasizes the importance of green finance in the banking sector, particularly in the context of China's "Two Mountains" theory and the 20th anniversary of its proposal [1] - Industrial Bank has been a pioneer in green finance, launching the first energy efficiency project financing product in 2006 and achieving significant growth in green loans and bond underwriting [1][2] - The bank's green loan balance reached 1,075.6 billion yuan by June 2025, with a cumulative increase of 756.2 billion yuan since the end of 2020, reflecting a 237% growth [2] Group 1: Organizational Structure and Digitalization - Industrial Bank has established a robust organizational structure and digital initiatives to support its green finance operations, including a dedicated green finance department and a digital platform for managing green projects [4][5] - The bank's digital platform, "Point Green to Gold," was launched in 2017 and has been enhanced to include a comprehensive carbon management service platform in 2023, aiding in project identification and environmental impact assessment [5][6] Group 2: Product Innovation and Service Models - The bank has developed a three-tiered product and service system for green finance, which includes diverse group products, specialized "dual carbon" services, and targeted industry solutions [6][8] - In the first half of the year, Industrial Bank launched over 340 innovative green finance products, amounting to more than 25.9 billion yuan [6] Group 3: Case Studies and Partnerships - The bank has successfully partnered with Huafeng Group, a leader in green textiles, providing financial support for multiple projects and demonstrating its competitive advantages in approval efficiency and interest rate discounts [2][3] - For the "Fuqing Longjiang River Comprehensive Governance Project," the bank approved loans of 217 million yuan in under a month, showcasing its effective operational capabilities in green finance [4][8] Group 4: Climate-Friendly Financing Mechanisms - Industrial Bank has introduced a mechanism linking loan interest rates to borrowers' environmental performance, incentivizing companies to enhance their green practices [3][7] - The bank's climate-friendly project scoring system evaluates projects based on various environmental criteria, influencing loan terms and promoting sustainable practices [7][8] Group 5: Commitment to Carbon Reduction - Since 2025, the bank has facilitated carbon reduction-linked loans totaling 65.52 billion yuan and has developed various carbon financial products to support enterprises in their low-carbon transitions [9]