Core Insights - The article highlights the initiatives taken by the Shandong branch of the Industrial and Commercial Bank of China (ICBC) to support high-quality financial services that drive economic and social development, particularly in technology innovation and green finance. Group 1: Financial Services for Technology Innovation - Shandong ICBC has developed a comprehensive plan to support new productive forces, focusing on technology innovation and large-scale equipment upgrades, with strategic emerging industry loans exceeding 200 billion yuan, ranking first in the industry as of May 2025 [2][3]. - The bank has introduced various innovative loan products such as "Sci-Tech e-loan," "Points Loan," and "Sci-Tech R&D Loan" to meet the financing needs of technology enterprises [3]. Group 2: Equity Investment and Collaboration - Shandong ICBC has actively participated in the "Financial Direct to Grassroots Acceleration" initiative, approving loans exceeding 169.5 billion yuan for 355 projects across 14 cities, with a total disbursement of over 60 billion yuan [4]. - The establishment of the Jinan Gongrong Guohui Equity Investment Fund, with a total scale of 1 billion yuan, aims to invest in strategic emerging industries within Shandong province [4][5]. Group 3: Green Finance Initiatives - The bank has launched innovative green financial products, such as marine carbon sink expected revenue rights pledge loans, to enhance financing channels for enterprises while promoting ecological sustainability [6][7]. - The "Lushan Bay Oyster Integration Development Demonstration Zone Project" received a 50 million yuan loan, marking the first marine carbon sink expected revenue rights pledge loan in Shandong province [7]. Group 4: Inclusive Finance for Small and Micro Enterprises - The "Qilu Xingnong Loan" product, tailored for agricultural needs, has seen a loan balance exceeding 6.3 billion yuan, with a growth rate of over 38% since the beginning of the year [8]. - The bank has implemented an automated and streamlined approval process for financing applications, enhancing accessibility for small and micro enterprises [8]. Group 5: Elderly Care Financial Services - The "Silver Industry Cloud" platform provides a comprehensive range of financial services for the elderly, integrating various aspects of elderly care and management [9]. - The platform aims to enhance operational efficiency and service quality in elderly care institutions, with plans to add 43 new clients by 2025 [9]. Group 6: Digital Financial Innovations - Shandong ICBC has developed a "Smart Agricultural Service Platform" based on open banking and digital currency smart contracts, providing integrated financial services for rural revitalization [10][11]. - The platform addresses key issues such as online business operations and fund supervision, significantly improving transaction efficiency and control [11].

金融机构：在徐银行、保险、证券、基金等机构，重点征集创新服务案例、数字化转型成果、风险防控 实践等。 政府及行业协会：地方金融监管部门、金融协会等，提供政策创新、跨领域协作治理模式案例。 2.领域方向 服务实体经济：供应链金融、制造业专项贷款、科技金融产品等。 普惠金融：新市民金融服务、农村信用体系建设、小微金融产品创新。 （可扫码下载报名表） 2025年是"十四五"规划收官之年，徐州向"万亿俱乐部"稳步迈进。国家金融监督管理总局徐州监管分 局、中国人民银行徐州市分行、新华日报社徐州分社将推出"收官十四五，点'金'万亿城"——2025徐州 金融业服务高质量发展案例征集活动。此次活动将全面梳理徐州金融业在"十四五"期间的政策落实、创 新实践及社会贡献，强化金融机构社会责任感，提升徐州金融业在长三角乃至全国的影响力。 本次活动为期6个月（2025年5月—10月），旨在系统展示徐州金融业"十四五"成就，为"十五五"规划提 供经验借鉴，同时推动金融机构与公众的深度互动，助力徐州建设区域金融中心，为徐州迈向万亿之城 作出金融贡献。 一、征集范围 1.征集对象 规范性：依法依规实施，符合国家政策导向。 4.评审与展示 成 ...

Core Viewpoint - The article emphasizes the importance of integrating political leadership and financial services to support the real economy and promote green development, aligning with the principles of socialism with Chinese characteristics [1][4]. Group 1: Political and Institutional Framework - The bank's leadership is focused on transforming political advantages into effective governance, addressing five weak links that hinder high-quality development [2]. - The establishment of a robust grassroots party organization is seen as essential for enhancing the internal motivation for financial business development [2][3]. - The bank is committed to implementing a comprehensive leadership approach to financial work, ensuring that all business activities align with the correct political direction [2][4]. Group 2: Innovation and Development Strategies - The bank has created a new service ecosystem by integrating policy supply, technological innovation, and organizational reform, focusing on data elements and technological advancements [5]. - A collaborative innovation platform has been established with government, enterprises, and academic institutions to facilitate customized financing solutions for technology-driven enterprises [5]. - The bank is actively developing a three-dimensional risk prevention system that combines technology, institutional innovation, and party leadership to enhance financial risk management [7]. Group 3: Green Finance Initiatives - The bank is positioning green finance as a strategic priority, developing a system that quantifies and tracks environmental benefits through innovative financial products [6]. - It aims to integrate environmental considerations into credit approval processes and establish a comprehensive green operation model across all branches [6]. - The bank is committed to creating a "capital model" for supporting green low-carbon development, aligning with national ecological civilization goals [6][7]. Group 4: Risk Management and Governance - The bank has implemented a "three-dimensional shield" system for risk prevention, utilizing blockchain and AI technologies to enhance risk identification and response capabilities [7]. - A "penetrating regulatory" mechanism has been established to embed party organization advantages into the governance framework, ensuring a unified approach to risk management [7]. - The bank has maintained a non-performing loan ratio below the industry average for five consecutive years, demonstrating effective risk control measures [7].

Group 1: Financial Services Development - The provincial agricultural credit union is leading the development of financial services in Shandong, focusing on high-quality growth and innovation in credit products [6] - The bank is actively promoting five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance [6] Group 2: Technology Finance - The bank has provided comprehensive financial services to technology enterprises, exemplified by a loan of 9.8 million yuan to a high-tech company for intellectual property pledge [7] - As of May, the balance of loans to technology enterprises reached 139.6 billion yuan, an increase of 25.7 billion yuan or 22.56% from the beginning of the year [8] Group 3: Green Finance - The bank has developed over ten specialized credit products for green industries, including "green industry loans" and "carbon emission rights pledge loans" [9] - By the end of May, the balance of green loans reached 81.72 billion yuan, with 65,400 green loan accounts [10] Group 4: Inclusive Finance - The bank has established 340 inclusive financial service points, facilitating financial services in rural areas and supporting small and micro enterprises [11][12] - The balance of loans to small and micro enterprises reached 11,205.6 billion yuan, with an increase of 577.7 billion yuan since the beginning of the year [13] Group 5: Pension Finance - The bank has launched various services to meet the financial needs of the elderly, including home visits and personalized assistance [14] - As of May, the balance of loans in the pension sector reached 17.93 billion yuan, an increase of 960 million yuan from the beginning of the year [15] Group 6: Digital Finance - The bank has developed a comprehensive rural revitalization service platform utilizing internet and big data technologies, facilitating online loans of 35.1 billion yuan [16][17] - By the end of May, the bank had launched ten online products with a loan balance of 128.03 billion yuan [17]

-CIS- 在全球"双碳"战略加速推进的背景下，绿色港口建设对资金的需求日益迫切。资产证券化作为创新融资 工具，为绿色港口发展提供了新路径。本文从理论视角解析绿色港口收费收益权ABS 的内涵与运作机 制，结合实践案例探讨其在实体经济中的应用价值，分析面临的挑战并提出优化建议，以期为绿色港口 融资模式创新提供理论参考。 一、绿色港口收费收益权ABS 概述 （一）核心定义 2.特殊目的机构（SPV）设立：作为资产证券化核心主体，SPV 通过真实资产转让实现风险隔离，保障 投资者权益不受原始权益人其他资产影响。 3.信用增级体系设计：内部增信采用优先级/ 次级结构、超额抵押、利差账户等方式，外部增信引入第 三方担保，提升证券信用等级，降低融资成本。 4.证券发行与现金流管理：通过承销商向金融机构及合格投资者发售证券，原始权益人按约定归集收费 收入，SPV 负责本息支付及费用结算，确保资金流闭环运作。 （三）相较传统融资的优势 与银行贷款、政府补贴等传统方式相比，绿色港口收费收益权ABS 具有显著优势。其一，拓宽融资渠 道，吸引保险、基金等多元投资者，缓解港口建设资金压力；其二，通过信用增级降低融资成本，提升 证券市 ...

"慧农通"以手机银行为入口，构建"支付+管理+融资"一体化服务。从产品设计伊始，省联社就注重提升 客户操作体验，"慧农通"支持农户一键生成专属收款码，收购商可扫码下单、批量结算，操作十分便 捷；为提升客户"一站式"服务体验，省联社还凭借银行自身的服务资源，提供了政务信息、进销存管 理、贷款授信等功能，满足农产品收购场景下多元化服务需求，延长产业服务链条，无设备投入、零交 易手续费。这一模式不仅提升普惠金融可得性，更推动农商银行服务从"人力帮工"转向"数字赋能"，实 现从"输血"到"造血"的质变。 政银协作典范：写好山东金融"五篇大文章" "慧农通"作为省联社高效落实《山东省数字化农业突破行动方案》的数字化举措，是农商银行在推进绿 色金融、普惠金融、数字金融等关键领域的创新实践方案。具体展现为以科技减碳，通过推广电子支付 和数字化交易，大幅减少传统现金和凭证印制、运输等环节的能源消耗，显著降低碳排放，助力实现绿 色金融目标；以数据增信，系统积累的海量交易流水数据，为涉农贷款提供精准征信支撑，利用大数据 分析技术，提升贷款审批效率和风险控制能力；以生态共赢，平台推动农产品销售全链条标准化发展， 促进农民增收和市场 ...

在国家"双碳"战略深入推进的大背景下，金融机构作为服务实体经济发展的重要力量，积极探寻着绿色 金融的创新路径，齐鲁银行立足主责主业，深入践行绿色金融理念，助力推动传统产业低碳转型升级， 以金融力量助推山东绿色低碳高质量发展。 为响应国家"双碳"战略，齐鲁银行创新推出"可持续发展挂钩贷款"，并于近日，成功获评2025"好品金 融—绿色金融"产品，它通过将贷款利率与企业预设的可持续发展绩效目标（SPT）挂钩，利用市场化 激励机制，激发企业内生动力，实现经济效益与环境效益双赢。关键绩效指标（KPI）是衡量企业可持 续发展表现的核心。KPI覆盖多个领域，包括能效提升、温室气体减排、废弃物减少、可再生能源利 用、水资源节约、可持续采购、循环经济、生物多样性保护以及环境、社会和治理（ESG）评估等。这 些指标确保企业行动与国家可持续发展战略及联合国2030可持续发展目标（SDGs）一致，且可量化、 验证，具备某一时间段内的可持续性。 2025年，齐鲁银行滨州分行成功为滨州某专精特新"小巨人"企业发放以氢气回收利用量为关键指标的可 持续发展挂钩贷款，以创新实践交出了一份亮眼的绿色金融答卷，标志着齐鲁银行在转型金融领域迈出 ...

绿色发展是高质量发展的底色，中央金融工作会议提出做好金融"五篇大文章"后，绿色金融成为各家金 融机构信贷布局的重点方向之一。近日，恒丰银行烟台分行为山东省重点项目、烟台市首批绿色低碳高 质量发展特色产业园项目之一的中集零碳智造产业园（一期）项目提供信贷支持，助推高质量发展，做 好绿色金融大文章。一是创新融资模式，恒丰银行实现了授信审批落地，并联合牵头组建银团，满足了 园区建设面临的巨大融资需求，保障项目顺利实施。二是以"平行作业"模式深度参与项目前期，分行公 司部门、分行审查审批部门、莱山支行共同从项目"起跑"阶段便参与可行性研究，敲定授信方案，全力 推进审批工作。三是探索供应链金融，项目贷款发放后，恒丰银行将持续探索以供应链金融"串珠成 链"，为入驻园区企业批量办理授信，助推园区发展。四是创新绿色金融产品和服务模式，恒丰银行探 索绿色金融发展新路径，打造恒丰银行绿色金融品牌，创新可持续发展绿色贷款、EOD金融服务方案 等特色产品及服务模式，持续支持烟台中集集团零碳产业园建设。 经过多轮沟通与努力，恒丰银行烟台分行作为联合牵头行组建了银团，为项目的顺利进行提供了强有力 的资金保障，确保了中集零碳智造产业园项目 ...

Core Viewpoint - The upgrade of the heating system in the western urban area of Weihai is significantly improving the living conditions of residents and stabilizing production for enterprises, supported by a 329 million yuan loan from the Construction Bank Weihai Branch [1][2]. Group 1: Project Overview - The Weihai Zhongyin Thermal Power Co., Ltd. is responsible for both steam supply to industrial parks and heating for residents in the western urban area of Wendeng District [2]. - The project, with a total investment of 469.87 million yuan and a financing plan of 329 million yuan, was approved at the end of 2022 and began implementation in 2023 [2][3]. - The project aims to replace the aging heating system to improve living quality and ensure stable production for enterprises [2]. Group 2: Financing Process - The Construction Bank Weihai Branch established a special team to expedite the financing process, transforming a sequential approval process into a parallel one [2][3]. - The entire financing process took only 26 working days, setting a record for similar projects, with a total of 284.6 million yuan already disbursed [3]. Group 3: Collaboration and Problem Solving - The project benefited from effective collaboration among the bank, government, and enterprise, which resolved discrepancies in environmental impact documentation swiftly [5]. - The local government and financial institutions worked together to ensure compliance and expedite necessary approvals, showcasing strong support for key livelihood projects [5]. Group 4: Environmental Impact - The new natural gas heating system is replacing old coal-fired boilers, aligning with national green finance initiatives and carbon reduction goals [7]. - The project is expected to save approximately 50,000 tons of standard coal annually and reduce carbon dioxide emissions by 130,000 tons, equivalent to planting 700,000 trees [7]. Group 5: Broader Implications - The successful implementation of this project serves as a model for financial support of major livelihood projects, demonstrating effective collaboration between financial institutions, local governments, and enterprises [8]. - The project not only addresses immediate heating needs but also contributes to long-term environmental benefits and economic vitality in the region [8].

随着"双碳"战略的深入推进，绿色金融成为金融业服务实体经济高质量发展的重要抓手，亦是金 融"五篇大文章"的重要内容。 作为国内领先的资产管理机构，泰康资产管理有限责任公司（以下简称"泰康资产"或"公 司"）在监管部门及泰康保险集团的指导下，将绿色金融作为战略转型的核心方向，通过健 全组织保障，探索创新投资方式和全面风险管理体系，走出了一条兼具社会价值与商业可 持续的绿色发展之路。 健全内部组织保障 构建绿色金融投资生态 为积极相应国家"双碳"政策号召，贯彻泰康保险集团及委托人对公司绿色金融的指引及要 求，泰康资产加强内部组织协同，完善绿色金融治理架构与运作机制，探索真正可操作、 能落地的负责任投资模式。 2 0 2 1年6月，泰康保险集团整体加入联合国负责任投资组织（UNPRI），泰康资产作为投 资管理人加入，成为中国第三家加入PRI的保险机构，同时也是PRI第4 0 0 0家签署机构， 积极探索适合国内保险行业实践的ESG投资策略和方法。2 0 2 2年3月，泰康保险集团发布 《年度负责任投资（ESG投资）政策指引》（下称《指引》），对推进资产管理子公司绿 色投资转型，防范ESG投资风险提供重要指导。 在《 ...