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 ...

Core Viewpoint - The "Huinongtong" product, recognized as a model of "good financial products" in digital finance, enhances agricultural product transaction efficiency and supports rural revitalization in Shandong Province [1][5]. Group 1: Industry Pain Points - Shandong, as a major agricultural province, faces challenges such as low settlement efficiency and lack of specialized tools, leading to frequent disputes over "white slips" and delayed payments [2]. - The traditional manual accounting methods contribute to high operational costs and risks associated with cash transactions, including counterfeit currency [2]. Group 2: Innovative Service Model - "Huinongtong" integrates payment, management, and financing services through a mobile banking platform, allowing farmers to generate unique payment codes and enabling merchants to make bulk payments easily [3]. - The service enhances accessibility to inclusive finance and shifts the focus of rural banks from manual assistance to digital empowerment, transforming the financial service model [3]. Group 3: Government-Bank Collaboration - "Huinongtong" exemplifies the implementation of Shandong's digital agriculture action plan, promoting green finance and reducing carbon emissions through electronic payments and digital transactions [4]. - The platform utilizes big data to improve credit assessment for agricultural loans, enhancing approval efficiency and risk management [4]. Group 4: Current Impact and Future Plans - The platform has reached 1.4 million users, facilitating 480,000 transactions worth 2.8 billion yuan, significantly reducing costs and settlement times for both buyers and sellers [5]. - Future enhancements will include additional service features and stronger financial technology applications to further support rural revitalization and high-quality agricultural development in Shandong [4][5].

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《 ...

在回收利用模式方面，去年以来，浙江省组织相关地市县区和优势企业，进一步建优建强"蓝色循环"海 洋塑料废弃物回收利用品牌，浙江全省已建成海洋塑料垃圾收集点36个，实现沿海地市县区全覆盖，累 计回收利用海洋塑料废弃物5.08万吨。上海、江苏、山东、海南等其他沿海省份结合本地实际，借鉴浙 江经验，建立各具特色的海洋塑料废弃物回收利用模式，推动资源节约与减污降碳协同增效。中国农业 银行、中国农业发展银行等金融机构也把海洋塑料回收利用纳入绿色金融支持项目清单。 据悉，去年6月，生态环境部联合多部门印发行动方案以来，各沿海城市以65个毗邻城市建成区的海湾 为重点对象，持续开展海洋垃圾清理行动。 据无人机航拍结果显示，相关海湾岸滩垃圾的平均盖度从去年夏季的5.14‰下降为今年春季的1.25‰， 总体降幅达到75.6%。 张志锋表示，沿海各地通过部门协同、区域联动、多方参与的治管协作，实现海洋垃圾清理工作的常态 长效。江苏省启东市相关部门和协会共同签订"垃圾不入海"行动的多元共治协议，从源头抓好海洋垃圾 治理工作。福建省厦门和漳州两市建立区域协作机制，共同加强厦门湾及九龙江入海口的漂浮垃圾清 理。全国65个海湾中，去年无人机 ...

Core Viewpoint - The collaboration between Jiangsu Bank and the Asian Infrastructure Investment Bank (AIIB) aims to develop nature-friendly financial products focused on biodiversity, addressing the urgent need for funding in biodiversity protection and contributing to sustainable development in China [1][2]. Group 1: Strategic Leadership - Biodiversity is essential for human survival and development, and China actively participates in global biodiversity governance [2]. - Jiangsu Bank has established a comprehensive ESG management system and integrated biodiversity protection into its governance and strategic objectives [2]. - The bank's green financing balance is nearly 700 billion, ranking it among the top commercial banks in terms of green loan proportion [2]. Group 2: Product Innovation - Jiangsu Bank is exploring financial support for ecological product value realization, transforming ecological value into economic and social benefits [3]. - The bank has introduced an Environment-Oriented Development (EOD) financing model to support ecological protection and industrial development [3]. - The successful transformation of the Xuzhou Pan'an Lake mining subsidence area into a national wetland park exemplifies the bank's commitment to ecological finance [3]. Group 3: Risk Management - Effective risk management is crucial for high-quality financial services, and Jiangsu Bank employs scenario analysis and stress testing to identify biodiversity-related risks [5]. - The bank has integrated biodiversity risks into its ESG risk management framework, enhancing the assessment of credit asset portfolios [5]. - Jiangsu Bank promotes biodiversity-friendly asset allocation by providing favorable financial services to enterprises with strong ecological credit [5]. Group 4: Collaborative Win-Win - Biodiversity protection requires collaboration among governments, financial institutions, and other stakeholders [6]. - Jiangsu Bank actively participates in international sustainable finance initiatives and contributes to the development of global biodiversity governance standards [6]. - The bank is involved in drafting financial standards to support biodiversity activities, showcasing its commitment to sustainable finance in China [6].