如皋农商银行引金融“活水” 润绿色产业

Core Viewpoint - Rugao Rural Commercial Bank is leveraging the opportunity of Rugao City being approved as a "Jiangsu Province Green Finance Innovation Reform Pilot Zone," positioning green finance as a core engine for high-quality development [1] Group 1: Institutional Initiatives - The bank has strategically planned at the board level by approving the "Green Finance Development Strategy," integrating green and sustainable practices into its development DNA [1] - The management has set hard indicators for green credit and established a dedicated Green Finance Center under the Inclusive Finance Department to promote green business [1] - The bank ensures precise resource allocation to green low-carbon sectors through differentiated credit policies and annual environmental information disclosure [1] Group 2: Product Innovation - The bank has launched a range of specialized green credit products tailored to Rugao's characteristics as an agricultural city, manufacturing hub, and water transport nexus [1] - Key products include "Environmental Loans," "Pollution Rights Mortgage Loans," "Green Energy Loans" for photovoltaic construction, "Smart Manufacturing Loans," and "Agricultural Supply Chain Loans" to support green agriculture [1] - As of November 2025, the balance of green loans reached 1.439 billion yuan, reflecting an approximate 20% increase since the beginning of the year [1] Group 3: Market Expansion - On December 11, 2025, the bank successfully issued 500 million yuan in green financial bonds with a three-year term and a coupon rate of 1.95%, with funds directed towards water environment governance and rural living environment improvement projects [1] - It is estimated that these projects will annually clear over 80,000 tons of waste and complete 200,000 cubic meters of river dredging, achieving significant environmental benefits [1] Group 4: Future Outlook - Moving forward, Rugao Rural Commercial Bank aims to deepen its green finance service system, focusing on key areas such as green manufacturing, green transportation, and beautiful rural development [2]