为青山添“金” 为绿水赋“值”

Core Insights - Hunan Province is leveraging its rich ecological resources to transform green assets into financial capital through innovative financial models, with green loan balances exceeding 1.3 trillion yuan by Q3 2025, marking a 21.1% increase from the beginning of the year [1] Policy Guidance - The People's Bank of China Hunan Branch is focused on enhancing the financial ecosystem for ecological product value realization, issuing guidelines to support green finance and initiating pilot projects for ecological product value assessment [2] - Huaihua City has been designated as a pilot for the national ecological product value realization mechanism, encouraging banks to include ecological assets as collateral for financing [2][3] Innovative Products - The "Xianglin Carbon Ticket," a forestry carbon credit system, is being utilized to facilitate financing and carbon offsetting, with banks exploring its inclusion as collateral for loans [4] - Financial institutions are actively engaging with carbon ticket holders, with innovative financing models being developed, such as pledging carbon credits for loans to support agricultural projects [4] Financial Support Mechanisms - The promotion of water rights pledge loans is providing additional financial support for green development, with 63 loans totaling 1.55 billion yuan issued by Q3 2025 [5] - Financial institutions are creating tailored financing solutions for the cultural tourism sector, with loans amounting to 10.11 billion yuan allocated to various ecological tourism projects [5] Collaborative Financial Framework - A coordinated mechanism involving seven departments has been established to enhance financial services for ecological resource-rich areas, with pilot projects achieving significant financing outcomes [6] - Financial institutions are optimizing credit management for ecological projects, offering preferential loan rates and enhanced performance metrics for green credit initiatives [6] Risk Mitigation Strategies - Innovative risk compensation mechanisms have been introduced to alleviate lending hesitance, with a total of 800 million yuan allocated for forestry industry development and environmental rights financing risk compensation [7] - Local governments are collaborating with financial institutions to establish risk compensation funds, facilitating over 8 billion yuan in green finance credit for ecological product industries [7]