“金融+生态”： 让金融服务绿色又普惠

Core Viewpoint - The article highlights the innovative "financial + ecology" model developed by the People's Bank of China in Yunfu City, Guangdong, aimed at supporting the realization of ecological product value through green finance initiatives, addressing financing challenges for agricultural entities [1][2]. Group 1: Financial Innovations - The establishment of the first "ecological sub-branch" in Guangdong, which integrates ecological carbon sink assets into qualified collateral for loans, has been a significant development [2]. - The first batch of rice carbon sink expected revenue rights pledge loans amounting to 1.7 million yuan was issued, providing timely financial support for local agricultural activities [2]. - A total of 16 ecological carbon sink expected revenue rights pledge loans have been issued, amounting to approximately 12 million yuan, enhancing credit accessibility for agricultural operators [3]. Group 2: Agricultural Carbon Sink Project Library - The creation of the first "Agricultural Carbon Sink Economic Project Library" aims to address the challenges of assessing and measuring ecological product value, facilitating better loan evaluations for banks [4]. - The project library currently includes 148 agricultural carbon sink and carbon reduction economic projects, which are expected to generate over 50,000 tons of ecological carbon sinks annually [4]. Group 3: Green Financial Incentives - The introduction of the "zero deforestation ecological breeding support loan" by Luoding Rural Commercial Bank links interest rates to the client's commitment to zero deforestation, providing financial incentives for sustainable practices [7]. - The People's Bank of China in Yunfu is expanding the role of green financial incentives by including ecological protection compensation rights as qualified collateral for loans, promoting environmental conservation among agricultural producers [8].