贷款重点支持竹林合作社、家庭林场、国有林场等从事竹林可持续经营的主体；竹材初加工企业、竹纤 维生产企业等；生产各类＂以竹代塑＂产品的竹加工企业；从事＂以竹代塑＂技术、工艺、设备研发的 科研机构和创新企业；＂以竹代塑＂产品销售平台、回收利用企业等。生态环境、经营管理、财务信 用、发展潜力评级权重分别为40%、30%、15%和15%。 竹源贷贷款额度根据竹林面积和经营计划确定，单户最高500万元。最长10年；竹链贷贷款额度规定， 小型企业最高300万元，中型企业最高500万元，大型企业最高1000万元。最长5年；竹创贷贷款额度规 定，一般项目最高500万元，重点项目最高1000万元。最长5年。 此笔贷款的落地实现了经济效益与生态效益的双赢。 江西未家竹文化科技有限公司日前获得资溪农商银行发放的490万元贷款。不同的是，这是江西省首 笔"以竹代塑"生物多样性挂钩贷款，标志着该省生物多样性金融标准试点取得实质性突破。 第一财经记者从资溪县金融管理部门了解到，与传统信贷审批不同，此笔贷款最大亮点在于构建了生物 多样性评级体系，对＂以竹代塑＂融资主体进行产业链生物多样性综合评级，将生态环境评级、产业体 系建设纳入企业综合 ...

"生物多样性金融通过政策杠杆引导资金流向生态修复与蓝色产业，为生态保护与产业发展搭建了高效 便捷的金融桥梁，是践行绿色发展理念、打通生态价值转化通道的重要金融创新。"人民银行烟台市分 行党委副书记、副行长郭峰说，此次"生物多样性+海洋碳汇+可持续渔业"贷款的落地，是烟台市践行 绿色金融理念、推动蓝绿融合发展和创新生物多样性保护金融支持模式的生动实践。 （文章来源：新华财经） 今年10月，山东启动生物多样性金融标准试用工作后，人民银行烟台市分行第一时间响应，立足海洋生 态环境保护与可持续渔业产业发展实际，通过召开绿色金融专班会议、现场走访和重点督导等举措，会 同生态环境部门出台烟台市生物多样性金融方案，建立了烟台市生物多样性金融支持项目库，积极引导 全市金融机构加快探索生物多样性金融产品和服务模式创新，为入库企业搭建高效精准的金融支持通 道，及时满足融资需求，有效推动了生物多样性标准金融产品落地。 在对入库企业走访对接过程中，烟台银行了解到长岛县长山海珍品有限责任公司的流动性资金贷款需求 后，组建专项服务团队，全面核实企业生态养殖模式的合规性、生物多样性保护措施落实情况，在确认 项目符合《生物多样性金融标准试用 ...

全国首笔种质行业生物多样性挂钩贷款落地枣庄 "我们希望通过这种模式，让'生态成绩单'换来'融资优惠券'。"枣庄银行公司金融部相关工作人员 说，这将引导企业把资金真正用于提升种质资源保护的实际成效上。 作为山东省生物多样性金融标准试点之一，枣庄享有"中国石榴之乡"的称号，依托石榴国家林木种 质资源库，累计收集保存国内外种质523份，保存数量全国第一。此次获得贷款支持的项目，正是推动 这一宝贵资源转化利用的重要一步。 据了解，山东兴颐健康负责的石榴良种繁育及推广基地改造升级项目总投资3.11亿元，占地面积约 430亩，计划建设组培实验室、石榴种质繁育大棚及石榴大数据平台。此前，由于资金短缺问题，项目 推进一度面临挑战，如今这笔贷款解了项目的燃眉之急。 如何确保生态数据真实可信，是贷款发放后所要面对的关键问题。为此，银企双方构建了"技术 +制度"的双重保障：运用区块链技术全程记录育种数据，确保不可篡改；引入第三方机构，进行独立 评估。这套机制封堵了数据造假的空间，让银行敢于推进此类创新金融产品。 枣庄银行行长刘磊表示，这笔贷款的落地，不仅为枣庄的石榴种质资源保护注入新动力，更探索出 一条"生态绩效可衡量、金融资源可 ...

Core Insights - The 19th Golden Fair "Park Tour" event focused on the Chongming District's Changxing Marine Equipment Industrial Park, aiming to guide financial resources to support local enterprises [1] - The Shanghai Financial Industry Association is enhancing its inclusive finance advisory system to better serve small and micro enterprises, allowing them to access various advisory services online [1] - The Chongming District Finance Bureau is promoting financial innovation aligned with ecological goals, including blue carbon finance and biodiversity finance, to support local industries [2] Group 1 - The Shanghai Financial Industry Association has optimized its inclusive finance advisory network, achieving full coverage of advisory services [1] - The association is organizing industry-finance matchmaking events and promoting a comprehensive service platform for inclusive finance [1] - The focus for this year is to extend advisory services to a broader range of small and micro enterprises, significantly reducing their time and effort in accessing financial services [1] Group 2 - The Chongming District Finance Bureau aims to develop financial products tailored for ecological agriculture and tourism, exploring effective pathways for converting ecological resources into financial assets [2] - The bureau is also looking to facilitate cross-border financial measures in the Changxing Marine Equipment Industrial Park to support marine manufacturing and shipping industries [2] - The Pacific Insurance Company highlighted its strengths in marine insurance, with a premium scale exceeding 4 billion [2] Group 3 - During the interactive session, representatives from technology companies discussed challenges in debt financing, particularly the high loan-to-sales ratio due to delayed revenue from R&D investments [3] - Inclusive finance advisors suggested that banks could use non-financial indicators and a tiered strategy to assist early-stage tech companies with their financing needs [3] - The Golden Fair has been ongoing since September 29, with multiple specialized events planned before the end of the year, and an online exhibition running until September 2026 [3]

Group 1 - Tianjin Rongcheng United Steel Group has transformed from a high-energy consumption and high-emission enterprise to a model for green transformation in Tianjin, utilizing a water purification system for fish farming [1] - The company has improved its "green" level by collecting, purifying, and reusing resources such as wastewater and waste gas in its production process [1] - Tianjin Rural Commercial Bank issued a transformation financial loan of 80 million yuan to the steel group to promote the rational use of residual heat and energy resources [1] Group 2 - As of September this year, the balance of green loans in Tianjin reached 847.8 billion yuan, a 19% increase from the beginning of the year, with an average annual increase of over 100 billion yuan since 2021 [1] - Tianjin has been innovative in green finance, launching transformation financial standards for the chemical industry and becoming one of the first pilot cities for transformation financial standards in the steel industry [1] - The city has also developed standardized processes for green leasing services and established a standardized information platform for green leasing [1] Group 3 - Tianjin's first "biodiversity + sustainable development linked loan" was issued recently, with 10 million yuan allocated for a crab-rice symbiosis project near Qilihai Wetland [2] - The project represents a typical example of biodiversity agriculture in Tianjin, supported by a tailored loan scheme from Weihai Bank [2] - The practice of green finance in Tianjin is attracting a number of green industry projects, enhancing the scale of green industries such as new energy, energy conservation, and ecological agriculture [2]

Group 1: Economic Outlook and Global Cooperation - The 2025 Bund Summit in Shanghai focused on the theme "Embracing Change: New Order, New Technology," discussing economic, financial, and governance issues amid global restructuring and technological revolution [1] - The International Monetary Fund (IMF) projects a 4.5% economic growth rate for the Asia-Pacific region in 2025, with China's growth forecast at 4.8%, reflecting an increase of 0.8 percentage points from previous estimates [2] - Global financial leaders emphasized the importance of cooperation and shared opportunities, highlighting China's commitment to high-quality development and mutual benefits in international relations [2] Group 2: Green Finance and Environmental Leadership - The release of the "Natural and Biodiversity Finance" report at the summit showcased China's role in ecological protection and financial innovation [3] - China is recognized as a global leader in clean energy technologies, including solar, wind, and electric vehicles, contributing significantly to global climate change efforts [3][4] - The development of biodiversity-friendly financial products, such as loans for offshore photovoltaic projects, illustrates China's commitment to integrating ecological and economic interests [3] Group 3: Technological Innovation and Economic Transformation - Discussions at the summit highlighted China's advancements in artificial intelligence and the importance of data-driven industries for economic transformation [5] - The shift from cash to digital payments in China has revolutionized consumer behavior and accelerated financial inclusion, showcasing the impact of fintech on the economy [6] - Experts noted that China's strong emphasis on technology research and development is crucial for achieving high-quality economic growth, with a focus on nurturing engineering talent and entrepreneurial spirit [6][7] Group 4: International Relations and Collaborative Opportunities - Former U.S. Treasury Secretary Robert Rubin emphasized the benefits of constructive U.S.-China relations, advocating for collaboration in addressing challenges like AI, climate change, and terrorism [7] - The summit reflected a collective understanding that global cooperation is essential for navigating future challenges and achieving sustainable development [7]

Core Insights - The report titled "Natural and Biodiversity Finance: Theory and Practice" was released at the 2025 Bund Annual Conference, outlining China's achievements in financial support for biodiversity, establishing a multi-dimensional support system for global biodiversity governance [1] Group 1: Standard System Improvement - Biodiversity finance has been integrated into the sustainable finance framework, with the 2025 revised "Green Finance Support Project Directory" establishing a separate category for "Ecological Protection, Restoration, and Utilization," which supports activities related to nature and biodiversity [2] - Approximately 20% to 30% of green finance business is directed towards biodiversity-related activities, with the scale continuing to expand [2] - The People's Bank of China is developing specific biodiversity finance standards, resulting in a draft "Biodiversity Finance Directory" that includes 87 items across four categories, adding 24 new items compared to the previous directory [2] Group 2: Financial Product Innovation - Financial institutions in China are launching diverse products to attract social capital for biodiversity protection, integrating biodiversity into the green finance policy framework [3] - Innovative financial products include GEP pledge loans, wetland carbon credit loans, and biodiversity performance-linked loans, with breakthroughs in bond issuance for biodiversity-themed green bonds [3] - The ecological compensation mechanism is being advanced, with projects like the Yuanbao Maple project in Guizhou generating over 2000 yuan per mu in annual income, providing a replicable model for ecological project profitability [3] Group 3: Information Disclosure and Risk Assessment - Financial institutions and local governments are exploring assessment methods for nature-related financial risks, embedding biodiversity sensitivity into the entire credit process [4] - The 2025 "Sustainable Development Report Preparation Guidelines" released by the Shanghai and Shenzhen stock exchanges reference the international TNFD framework, laying the groundwork for nature-related information disclosure [4] - 33 companies, including Mengniu and CATL, have joined the TNFD pilot, gradually aligning with international standards [4] Group 4: International Cooperation - China's role in global biodiversity finance governance is evolving from a "participant" to a "co-builder," having chaired the COP15 and facilitated the "Kunming-Montreal Global Biodiversity Framework" [5] - The establishment of the Kunming Biodiversity Fund has projects covering 15 developing countries across six continents [5] - The People's Bank of China is promoting the inclusion of natural and biodiversity issues in G20 sustainable finance discussions, with bilateral cooperation deepening with countries like the UK, EU, and Singapore [6]

Core Viewpoint - The People's Bank of China Nanjing Branch is actively integrating biodiversity protection with financial support, promoting innovative financial products and mechanisms to enhance biodiversity conservation efforts in Nanping City [1][2][3][4] Group 1: Financial Support for Biodiversity - The People's Bank of China Nanjing Branch has established a platform for financial institutions to increase credit investment in biodiversity, facilitating the transition from concept to practice in biodiversity finance [1] - As of the end of August, the loan balance related to biodiversity in Nanping City reached 14.062 billion, with sustainable agriculture at 3.424 billion, sustainable forestry at 6.323 billion, and other categories contributing to the total [2] Group 2: Policy and Mechanism Innovation - The bank organized a seminar to discuss the implementation of biodiversity financial service standards and has developed several innovative policies, including guidelines for water rights collateral loans [2] - Financial institutions are encouraged to include biodiversity loan growth metrics in their performance evaluations, enhancing service quality and responsiveness [3] Group 3: Financing Ecological Resources - The bank has guided financial institutions to innovate credit products using ecological rights such as water rights and carbon credits as collateral, facilitating significant loans for projects like the Dahuangpao Beverage Company [4] - A total of 226 million was allocated to improve forest quality, covering an area of 104,200 acres, supporting ecological industries such as bamboo substitution for plastics [4]

Core Viewpoint - Postal Savings Bank of China (PSBC) is actively responding to biodiversity protection and green development requirements by focusing on organic agriculture, green energy, and environmental protection, providing financial support for local biodiversity conservation and economic development [1][2] Group 1: Financial Support Initiatives - PSBC has optimized its credit allocation structure to support key areas of biodiversity protection, particularly in biomass energy utilization facilities, with a loan balance of 135 million yuan as of the end of September [1] - The bank has also invested in public environmental sectors such as water supply, sewage treatment, and heating, with loan balances of 33 million yuan for water supply, 126 million yuan for heating, and 1.9 million yuan for sewage treatment [1] Group 2: Service Model and Inclusive Finance - The bank has enhanced its service efficiency by collaborating with agricultural departments and guarantee institutions to address financing challenges for operational entities, resulting in 27 loans totaling 81 million yuan for a beef breeding project [1] - Additionally, PSBC partnered with a local agricultural company to provide 52 loans amounting to 9.84 million yuan to support upstream and downstream agricultural stakeholders, ensuring smooth financing channels for agricultural entities [1] Group 3: Future Plans - PSBC plans to further deepen its biodiversity financial services by optimizing credit processes and products, and expanding support areas to contribute more to local biodiversity protection and green inclusive development [2]

Core Insights - Weihai Bank has successfully implemented Tianjin's first "Biodiversity + Sustainable Development Linked" loan, amounting to 10 million yuan, marking a significant breakthrough in green finance innovation [1] - The loan supports a crab-rice symbiosis project in Tianjin, which is a typical example of ecological agriculture, contributing to the maintenance of wetland ecosystem balance and biodiversity protection [1] Group 1 - The loan is tailored to the needs of the enterprise, providing financial support to expand breeding scale and improve product quality while offering interest rate discounts if production targets are met [1] - The project utilizes the natural symbiotic relationship between crabs and rice, forming an efficient ecological cycle that is crucial for regional biodiversity [1] Group 2 - Weihai Bank plans to deepen its exploration in the field of biodiversity, continuously enriching its green financial products and services to promote the synergy between ecological protection and industrial development [2]