Core Insights - The People's Bank of China has guided Jiujiang Bank's Shangrao branch to successfully grant a credit of 100 million yuan to a local agricultural development company for a "forest undergrowth medicinal herb" project, aligning with biodiversity finance guidelines [1] - The project benefits from a 30 basis points interest rate discount due to its ecological performance, effectively reducing financing costs and injecting financial momentum into ecological industry development [1] - The project is part of a three-pronged biodiversity finance framework that includes "standard leading + credit incentives + reward and subsidy linkage" [1] Group 1 - The project is located in Yugan County, which is in the core area of the Poyang Lake Ecological Economic Zone, providing ideal ecological conditions for the growth of undergrowth medicinal herbs due to its moist forest land and fertile soil [2] - The project embodies the ecological development concept of "coexistence of forest and medicine," utilizing a natural community structure to enhance soil quality and prevent soil erosion while promoting a beneficial cycle between forestry and medicinal herb cultivation [2] - It is expected to increase the average annual income of surrounding farmers by 2,000 to 3,500 yuan per mu, achieving a resonance between ecological protection and rural revitalization [2] Group 2 - Jiujiang Bank's Shangrao branch has established a special approval channel for biodiversity projects, optimizing the credit process and innovating interest rate pricing mechanisms to convert policy benefits into high-quality industrial development [3] - The loan not only lays a solid foundation for the large-scale and standardized development of the undergrowth economy in Yugan County but also serves as a replicable model for the banking industry to practice the concept of "lucid waters and lush mountains are invaluable assets" [3] - The bank plans to continue focusing on key areas, optimizing its credit service system, and further promoting biodiversity finance to contribute more to Jiangxi's national ecological civilization pilot zone [3]
金融活水润林药 生态创新谱新篇——九江银行上饶分行推动生物多样性金融见行见效