BOB(SH:601169) Zhong Guo Zheng Quan Bao·2026-01-11 22:15Core Viewpoint - The green transformation driven by the "dual carbon" goals has become a critical issue for high-quality corporate development, with green finance practitioners innovating products and providing precise services to support traditional and emerging green industries [1] Group 1: Financing Biodiversity and Sustainable Development - There is a noticeable increase in attention towards biodiversity finance, particularly following the implementation of the "Kunming-Montreal Global Biodiversity Framework" and the promotion of the "Biodiversity Finance Directory" by the People's Bank of China [2] - Beijing Rural Commercial Bank, in collaboration with Shou Nong Food Group, launched Beijing's first "Biodiversity + Sustainable Development Linked" loan, targeting ecological protection and sustainable production in agriculture [2] - The loan is designed with quantifiable biodiversity protection performance targets, linking interest rates to performance, thus creating a positive cycle of ecological responsibility and development momentum [2][3] Group 2: Innovation in Green Finance Products - Green credit and transition finance are working together to drive the green transformation of the real economy, with green credit increasing financing costs for high-energy-consuming enterprises, compelling them to transition [4] - Beijing Bank's Suzhou branch has innovated by launching a carbon account certification service, providing 10 million yuan in credit support to a company focused on energy management, thereby reducing the cost of green transformation [4] - The bank also supported Jiangsu Zhonglai Energy Technology Development Group with a transition finance loan of 99.09 million yuan for optimizing production processes and extending product lifespan [5] Group 3: Challenges and Solutions in Green Finance - Despite significant achievements in green finance, challenges remain, such as regional discrepancies in the execution of green finance directories and information asymmetry between enterprises and financial institutions [6] - Experts suggest that by 2026, innovations in green finance products will include more transition financial tools for high-carbon industries, accelerated asset securitization, and digital risk assessment using big data and AI [6] - Policy support is crucial, with recommendations for the government to provide subsidies for enterprises actively pursuing green transitions to further reduce transformation costs [6] Group 4: Future Outlook for Green Finance - The year 2026 is expected to mark a transition from the construction phase to the effectiveness phase of green finance, with a focus on deep value reconstruction of the real economy [7] - Financial resources are anticipated to flow more towards traditional high-carbon industries like steel, cement, and chemicals, addressing the financing difficulties and high costs associated with their transformation [7]