Zhong Guo Jing Ying Bao·2025-10-17 19:13Core Viewpoint - The article discusses the evolution and implementation of green finance in China, highlighting the role of Postal Savings Bank in supporting green development and achieving carbon neutrality goals through innovative financial products and risk management strategies [3][4][5]. Group 1: Green Finance Development - The concept of "Green Mountains and Clear Water are Gold and Silver Mountains" has influenced China's financial industry, shifting the focus from merely increasing green finance to addressing complex challenges such as carbon reduction and preventing greenwashing [3][4]. - Postal Savings Bank, with nearly 40,000 outlets, serves as a model for balancing inclusive finance and commercial viability in green finance [3][4]. Group 2: Financial Tools and Innovations - The bank has developed a comprehensive transformation finance service system to support low-carbon transitions across various industries, emphasizing institutional development, product innovation, and regional practices [4][5]. - Innovative financial products include the first "sustainable development-linked + energy supply" debt financing plan and a "carbon reduction support tool + sustainable development link + digital RMB" loan model [5][6]. Group 3: Risk Management in Green Finance - Postal Savings Bank has established a unified ESG risk management system to ensure the integrity and asset quality of its green finance operations, implementing a full-process risk control mechanism [6][7]. - The bank focuses on data governance, process control, and personnel training to mitigate risks associated with greenwashing [6][7]. Group 4: Technological Integration - The integration of financial technology, such as big data and artificial intelligence, is crucial for enhancing the efficiency of green finance services and risk management [7][8]. - The bank has developed a comprehensive environmental information database and an intelligent recognition engine for green projects, significantly improving the accuracy and efficiency of green asset identification [7][8]. Group 5: County-Level Green Finance Initiatives - Postal Savings Bank is actively addressing the unique green finance needs of county-level regions by innovating products and services tailored to local characteristics [9][10]. - Examples include a 150 million yuan financing model for water environment governance and a comprehensive green circular economy system for agricultural industries [9][10]. Group 6: Balancing Inclusivity and Sustainability - The bank aims to balance the inclusivity of county-level green projects with commercial sustainability by refining credit policies and enhancing ESG risk management [11][12]. - Strategies include precise credit resource allocation, strengthening risk monitoring, and utilizing structural monetary policy tools to lower financing costs for green projects [11][12].