人民银行：近5年我国绿色贷款持续保持20%以上较高增速

Core Viewpoint - The People's Bank of China emphasizes the significant growth of green loans and the implementation of supportive policies for green finance to facilitate the transition to a green economy [1][3]. Group 1: Green Loan Growth - Over the past five years, green loans have maintained a growth rate of over 20% [3]. - As of the end of Q3 2025, the balance of green loans reached 43.51 trillion yuan, representing a year-on-year increase of 22.9%, which is 16.4 percentage points higher than the growth rate of all loans [1][3]. Group 2: Policy Framework - The People's Bank of China has established a top-level design to enhance financial support for green low-carbon development and the construction of a beautiful China [1]. - A new "Green Finance Support Project Directory (2025 Edition)" has been released to standardize various green financial products, including loans, bonds, and insurance [1][3]. Group 3: Product and Market Development - Financial institutions are encouraged to increase green credit issuance and innovate products such as Environment-Oriented Development (EOD) loans and sustainability-linked loans [2][6]. - New financing channels for green projects have been developed, including carbon-neutral bonds, transition bonds, and blue bonds [2][6]. Group 4: Incentive Mechanisms - An 800 billion yuan carbon reduction support tool has been established to incentivize financial institutions to support key areas such as clean energy and carbon reduction technologies [2][6]. - A green finance assessment for financial institutions has been implemented, incorporating their performance in green loans, bonds, and product innovation into evaluation metrics [2][6]. Group 5: Achievements in Green Finance - The cumulative issuance of green bonds has reached 4.95 trillion yuan, with a balance of 2.29 trillion yuan, positioning China among the top globally [3][6]. - The carbon reduction support tool has facilitated the issuance of carbon reduction loans totaling 1.38 trillion yuan [3][6].