河源：多部门共推“气候贷”以“气象×金融”力量护航绿色发展

Core Viewpoint - The article discusses the launch of a "climate loan" financing model in Heyuan, which integrates meteorological services with financial support to promote green development and align with national carbon reduction strategies [2][3][7]. Group 1: Climate Loan Initiative - The initiative aims to implement the national "dual carbon" strategy by establishing a collaborative development mechanism between meteorology and finance [7]. - It links companies' "climate resilience" directly to credit conditions, guiding financial resources to support green and low-carbon development [8]. - Companies are categorized into four resilience levels based on their performance in climate disaster defense and resource utilization, with varying credit support based on their resilience [9]. Group 2: Financial Incentives - Companies with higher resilience receive greater interest rate discounts and more flexible loan terms, incentivizing them to enhance their climate adaptation and management capabilities [10]. - The program also outlines collaborative paths for meteorological departments and financial institutions in data sharing, risk assessment, early warning, and insurance support [11][13]. Group 3: Risk Management and Development - The initiative creates a comprehensive service loop of "pre-assessment + in-service support + post-保障," effectively reducing climate risks for businesses and achieving a win-win for financial risk reduction and green development [14]. - Heyuan has established a multi-departmental collaborative mechanism and is actively promoting the implementation of the "climate loan" model, providing a solid financial backing for local enterprises to tackle climate change [18].