Zhong Guo Jin Rong Xin Xi Wang·2025-09-30 11:53Core Viewpoint - The successful issuance of a 3 million yuan forest rights mortgage loan by ICBC's Hezhou Zhongshan branch effectively addresses the funding challenges faced by a local comprehensive forestry enterprise, demonstrating the bank's commitment to supporting the real economy and rural revitalization [1][2]. Group 1: Financing Innovation - Forest rights mortgage loans utilize land use rights and timber ownership as collateral, providing an innovative financing model that expands funding channels for agricultural and forestry enterprises [2]. - The enterprise that received the loan has a diverse range of operations including timber planting, procurement, processing, and sales, but faced funding shortages due to a lack of traditional collateral [2]. - ICBC's Hezhou Zhongshan branch quickly developed a tailored financing solution based on the enterprise's quality forest rights assets, completing the loan process in approximately 10 working days [2][3]. Group 2: Activation of Green Assets - The issuance of the forest rights mortgage loan exemplifies the bank's efforts to transform local ecological resources into financial assets, thereby activating dormant forest rights assets [3]. - This financing model not only meets the enterprise's immediate funding needs but also contributes to the sustainable development of the local forestry economy [3]. Group 3: Support for Rural Revitalization - ICBC's Hezhou Zhongshan branch focuses on serving the real economy through inclusive finance, providing targeted support for small and micro enterprises as well as agricultural businesses [4]. - The bank has introduced various specialized financial products, such as "Planting e-loan" and "Xiangyu loan," successfully supporting multiple agricultural enterprises and industry clusters [4]. - As of August 2025, the bank's inclusive loan balance reached 200 million yuan, with a year-to-date increase of 27 million yuan, reflecting a growth rate of 15.6% [4]. Group 4: Long-term Development Strategy - The bank plans to deepen cooperation among government, banks, and enterprises, continuing to promote forest rights mortgage loans and other specialized business experiences [5]. - Emphasis will be placed on increasing credit support for green industries and rural revitalization, optimizing service models and financial resource allocation [5]. - The bank's leadership highlights the importance of enhancing the quality and efficiency of inclusive financial services to meet diverse financing needs [5].