Core Viewpoint - Dongguan's small and medium-sized enterprises (SMEs) are the foundation of its manufacturing industry, and the green transformation is a necessary development. Dongguan Rural Commercial Bank has integrated "inclusive finance" with "green orientation" to effectively serve the real economy through innovative financial products like "scattered wastewater treatment index-linked loans" [1][7]. Group 1: Green Transformation and Financial Innovation - Dongguan has pioneered the concept of "scattered industrial wastewater" and a centralized treatment model to address pollution and promote industrial upgrading [3]. - The implementation of the "Dongguan City Scattered Industrial Wastewater Management Regulations" marks a significant step in the standardized and legal management of scattered industrial wastewater [3]. - Dongguan Rural Commercial Bank has developed a "credit model" linking wastewater treatment data to financing, rewarding companies for their environmental efforts with easier access to loans [4]. Group 2: Three-Way Linkage Model - The bank employs a "policy + platform + industry" three-way linkage model to enhance financial service quality, reducing costs for enterprises and risks for banks [6]. - By collaborating with environmental departments, the bank uses wastewater transaction volumes as a basis for credit and interest rate pricing, simplifying the documentation process for clients [6]. - The bank's services extend to both "waste treatment" and "waste production" enterprises, broadening the scope of green services to include companies that comply with wastewater treatment standards [6]. Group 3: Expansion and Future Plans - The scattered industrial wastewater management platform has covered over 10,000 enterprises, with the bank's loan product gradually expanding its reach [7]. - The bank aims to promote the "platform + finance" model to other sectors, such as solid waste management and hazardous materials management, to amplify the demonstration effect of its experiences [7]. - Dongguan Rural Commercial Bank is committed to supporting SMEs in their green transformation by providing tailored financial support, thereby contributing to high-quality local industrial development [7].
变“废水数据”为“信用活水”，东莞农商银行破企业融资难题