经济观察报·2025-09-28 11:47Core Viewpoint - Green finance is becoming a crucial engine for supporting China's sustainable and high-quality economic development in response to global climate change and the "dual carbon" goals [2][4]. Group 1: Green Finance Strategy - Since the introduction of the "dual carbon" goals in 2020, carbon reduction and emission control have become core tasks for national deployment [4]. - The 2023 Central Financial Work Conference emphasized the importance of green finance as a key element in achieving carbon peak and carbon neutrality goals, with continuous government policies being introduced to support sustainable development [4][5]. - CITIC Bank aims to support the green transition of the real economy through green finance innovation, leveraging resources from CITIC Group [5]. Group 2: Innovative Financial Products - CITIC Bank has developed a "1+N+N" model for its green finance product system, providing a variety of financial tools such as green loans, green bonds, and green insurance [7]. - The bank's innovative "sustainable-linked loan management" mechanism links corporate ESG performance to loan interest rates, allowing companies to receive interest rate discounts for achieving preset ESG goals [11]. Group 3: Successful Case Studies - CITIC Bank's Guangzhou branch successfully issued a REITs project based on distributed photovoltaic assets, achieving a scale of 694 million yuan and becoming the first local state-owned enterprise REITs product integrating "green + carbon neutrality + rural revitalization" themes [9][10]. - The Nanjing branch introduced a "rate floating-carbon effect betting" mechanism, linking carbon emissions to loan interest rates, which successfully reduced financing costs for a high-energy-consuming fossil enterprise [12]. Group 4: Carbon Management Services - CITIC Bank has established a carbon management service system that includes carbon consulting, carbon accounting, and carbon trading, providing comprehensive carbon management services to corporate clients [13]. - The bank's "green low-carbon platform" serves as a marketing touchpoint and data hub, supporting enterprises in quantifying carbon emissions and providing targeted financing solutions [13]. Group 5: Future Outlook - CITIC Bank's green finance strategy reflects its commitment to responsibility under the "dual carbon" goals and its proactive positioning in the global green finance wave [17]. - The bank aims to deepen its green finance strategy by collaborating with group subsidiaries and external partners, focusing on product innovation and market expansion to support more green finance products [17].