解锁绿色金融“新玩法”！宁波银行为企业低碳转型输血又赋能

Core Viewpoint - Green finance is a core financial force to achieve the "dual carbon" goals and promote high-quality economic and social development, serving as a key path for commercial banks to fulfill social responsibilities and achieve sustainable transformation [2] Group 1: Institutional Development - Ningbo Bank has elevated green finance to a strategic level, continuously improving institutional construction and policy support [3] - In 2024, Ningbo Bank has established the "Ningbo Bank Green Finance Management Measures" and the "Green Finance Medium and Long-term Development Plan (2024-2028)" to enhance refined management and clarify short-term and long-term goals [3] - The short-term goal is to ensure that the annual growth rate of green loans is not less than the overall loan growth rate, while the long-term goal is to achieve a 100% increase in green loan balance by the end of 2028 compared to 2023 [3] Group 2: Product Innovation - The diversity of green projects leads to differentiated financing needs, prompting banks to innovate products to provide customized solutions for various types and stages of enterprises [5] - For long-term projects in renewable energy and environmental protection, Ningbo Bank offers green medium- and long-term loans and green bond underwriting to match the full life cycle funding needs of projects [6] - The bank has introduced innovative green credit loans and green supply chain financing for small and micro enterprises, lowering entry barriers through environmental credit ratings and backing from core enterprises [6] Group 3: Technological Empowerment - Ningbo Bank utilizes digital technology as a core support for green financial services, launching the "Bobo Zhiliao" digital service platform for comprehensive carbon management [8] - The platform helps enterprises manage carbon tariffs and provides real-time energy efficiency monitoring, significantly reducing costs and improving operational efficiency [8][9] - The bank's initiatives have already helped nearly a hundred enterprises in Jiaxing with carbon tariff declarations and energy services, saving over ten million yuan [8] Group 4: Regional Development - Ningbo Bank's branches innovate diverse green financial products and service models based on regional industrial characteristics, forming a service pattern of "one place, one feature, one enterprise, one policy" [6] - The Wenzhou branch has developed a "4+N" green financial product system, including unique offerings like pollution rights mortgage loans and green low-carbon loans [6] - The Jinhua branch focuses on renewable energy and has established differentiated green credit models, providing priority approval and funding channels for green projects [6][7]