据了解，以本次项目为契机，中国农业银行西藏自治区分行成立了区、市、县、乡四级机构联动的生物 多样性金融领导小组，结合西藏实际形成了《农行西藏分行生物多样性金融标准试用方案》，在林芝、 昌都两市为重点试点推进区，努力探索具有西藏特色、可复制推广的"生物多样性+金融"产品或服务模 式。(完) 图为奇正藏药有限公司生产线。中国农业银行西藏自治区分行供图 中新网拉萨12月15日电 (拉巴卓玛)近日，在中国农业银行总行战略规划部以及西藏自治区党委金融办、 中国人民银行西藏自治区分行的指导支持下，中国农业银行西藏自治区分行、林芝分行两级行联动，向 国内最大藏药生产企业西藏奇正藏药股份有限公司投放金融贷款1000万元，用于生物多样性开发利用。 据悉，该笔贷款是中国人民银行西藏自治区分行开展生物多样性金融标准试用后，西藏改革开放先行区 林芝市首笔聚焦生物多样性开发利用的专项贷款，是中国农业银行西藏自治区分行在绿色金融领域的又 一全新突破，标志着金融支持生物多样性保护从理论探索迈向实质性的产业实践。 林芝地处青藏高原东南部，是世界生物多样性最典型地区之一，素有"生物基因库"、"动植物王国"之 称，是青藏高原生态系统的重要组成部 ...

人民银行陕西省分行相关负责人表示，将持续完善生物多样性金融政策支持体系，推动更多金融机 构参与GEP质押贷款业务，逐步扩大森林、湿地等生态类型的覆盖范围，助力秦巴山区、黄河湿地等重 点区域生态保护。（记者：杨光） "经专业机构核算，南沟门水库水生态产品GEP达6.26亿元，涵盖水质净化、水源涵养、生物栖息 地维护等多项生态服务价值。"兴业银行西安分行绿色金融部负责人表示。这种"政策引导+市场运作 +专业支撑"的模式，既解决了企业融资痛点，又确保了贷款资金精准赋能生态保护，形成"融资支持— 生态改善—价值增值—再融资"的良性循环。 作为陕西省生物多样性金融创新的示范样本，该笔贷款的落地具有多重意义。生态层面，为南沟门 水库生态保护注入稳定资金，将进一步提升区域水质、改善植被覆盖，助力维护黄河流域生物多样性； 金融层面，丰富了绿色金融产品体系，为全国GEP质押贷款业务提供了可复制、可推广的"陕西经验"； 经济层面，打通了"生态资源—生态资产—金融资本"的转化通道，让生态保护者获得实实在在的经济回 报，激发了经营主体参与生态保护的积极性。 12月12日，延安南沟门水利枢纽工程有限责任公司将日前从兴业银行西安分行获得 ...

这周有哪些大事要闻？ 发布了哪些重要政策、通知？ 国际货币基金组织上海中心开业仪式于12月8日举行。十二届全国政协副主席、中国人民银行原行长周 小川作主旨演讲。中国人民银行行长潘功胜、上海市市长龚正、国际货币基金组织总裁格奥尔基耶娃致 辞并揭牌。 一起来快速回顾一下吧！ 领导关心 1.李强同主要国际经济组织负责人举行"1+10"对话会 12月9日，国务院总理李强在北京钓鱼台国宾馆同主要国际经济组织负责人举行"1+10"对话会。新开发 银行行长罗塞芙、世界银行行长彭安杰、国际货币基金组织总裁格奥尔基耶娃、世贸组织总干事伊维 拉、联合国贸发会议秘书长格林斯潘、国际劳工组织总干事洪博、国际清算银行总经理德科斯、金融稳 定理事会主席贝利、亚投行行长金立群、经合组织副秘书长鲁日奇卡出席。对话会以"共商全球治理， 共谋全球发展"为主题开展讨论。 2.何立峰在全国金融系统工作会议上强调深入学习贯彻中央经济工作会议精神有力有序有效做好2026年 金融重点工作 全国金融系统工作会议12月12日在京召开。中共中央政治局委员、中央金融委员会办公室主任何立峰出 席会议并讲话。他强调，金融系统要深入学习贯彻中央经济工作会议精神，准确把 ...

Core Viewpoint - The People's Bank of China Hubei Branch is guiding financial institutions to increase credit investment in biodiversity, with a target loan balance exceeding 360 billion yuan by the end of Q3 2025, representing a 34.3% increase from the end of 2024 [1][2] Group 1: Financial Initiatives in Biodiversity - The Hubei Branch has implemented a trial plan for biodiversity financial standards, integrating resources and establishing a project database for financial institutions to connect with biodiversity projects [2] - A collaborative effort with various departments has led to the establishment of a climate data sharing mechanism and the implementation of an ecological environment-oriented development (EOD) project management regulation, resulting in 30 projects receiving credit totaling 24.7 billion yuan [2] Group 2: Sustainable Forestry and Water Ecology - Financial institutions are exploring a "forest rights mortgage + industrial upgrade" model to integrate ecological protection with industrial development, supporting projects like the transformation of low-yield tea gardens and the establishment of medicinal herb bases [3] - Innovative financing models in water ecology, such as "water ecological + specialty credit," have been introduced, including the first nationwide loan linked to sewage treatment volume, amounting to 58 million yuan [3] Group 3: Integration of Financial Services in Agriculture and Tourism - In sustainable agriculture, a model combining financial empowerment, germplasm protection, and industrial income has been developed, with significant credit support for projects like the "Zhi Gui Zong Orange" initiative [4] - The tourism sector is also benefiting from financial support, with loans provided to enhance ecological tourism, including a dedicated loan for the homestay industry that has supported over 540 operators with 180 million yuan [4] Group 4: Government Support and Subsidy Mechanisms - Local governments are establishing biodiversity loan subsidy mechanisms to encourage financial institutions to increase lending in this area, with initiatives like the "Green Development Loan" policy providing interest subsidies for forestry enterprises [5] - The Hubei ecological environment rights trading platform has facilitated access to financial subsidies for 223 enterprises, with total loan support amounting to 3 billion yuan [5]

Core Viewpoint - The 2025 Green Finance Ecological Conference in Chongqing highlighted the city's strategic position as a "best testing ground" for green finance, leveraging its ecological significance and industrial transformation needs to promote ecological protection and industrial transition [3][12]. Group 1: Green Finance Strategies - The strategy of "疏堵结合，精准赋能" (combining restriction and precision empowerment) was proposed to address the high proportion of heavy industry in Chongqing, focusing on limiting investments in high-pollution and high-energy consumption projects while providing comprehensive support for transitioning enterprises [3][14]. - The introduction of products like the CGT-ESG bond portfolio aims to guide funds towards low-carbon and environmentally friendly sectors, facilitating the green transformation of industrial enterprises [3][14]. Group 2: Biodiversity Finance - Biodiversity finance is identified as a frontier area, emphasizing the importance of quantifying ecological value and designing financial products that attract social capital, transforming biodiversity protection from a purely philanthropic effort into a source of stable returns [4][15]. - The goal is to create "green assets" that generate cash flow and returns, thereby encouraging broader market participation in biodiversity protection [4][15]. Group 3: Collaborative Development - China Galaxy Securities plans to focus on three strategic areas to support Chongqing's development model of "capital, ecology, and industry": enhancing full-chain services, leveraging technology for precision service, and promoting regional collaboration for carbon reduction and ecological protection [5][13]. - The integration of industrial transformation and biodiversity protection is seen as a way to achieve synergistic effects, with innovative financial tools like "green transition bonds" and "ecological credit loans" being explored to support this dual empowerment [8][16].

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评级标准，评级分为A、 B、C、D四个等级，企业评级等级越高在额度、利率、期限等方面享受的优惠政策越优。 资溪农商银行表示，为帮助解决"以竹代塑"产业链痛点，资溪农商银行量身定制"竹链贷"专属产品，将 《生物多样性金融目录》与地方产业深度融合，明确支持范围与门槛，突破传统抵押物限制，接受竹材 存货质押、应收账款质押及知识产权混合质押，运用林权抵押、信用叠加、风险补偿等多维工具，构 建"银政企"风险共担机制。县财政设立"两权"抵押风险补偿金，对纳入担保的贷款最高可提供80%本金 损失补偿；县两山收储中心提供林权收储担保，化解抵押物处置难题；资溪农商银行组建绿色金融专营 团队，在竹科技产业园设立服务驿站，实现"一站式"服务。 作为国家发展改革委"以竹代塑"发展三年行动计划的重点支持领域，江西未家竹文化科技有限公司深耕 竹木家具设计与制造，其产品不仅替代传统塑料家居用品，更通过竹林可持续经营促进碳汇增长、保护 土壤微生物多样性，与《生物多样性金融目录》中"' ...

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 ...

Core Insights - The People's Bank of China (PBOC) Yantai Branch has guided Yantai Bank to issue a loan of 9 million yuan (approximately 1.3 million USD) to Changshan Haizhenpin Co., Ltd. for a project focused on "biodiversity + marine carbon sink + sustainable fisheries" [1][2] - This loan marks the first instance of a financial product that simultaneously addresses biodiversity, marine carbon sinks, and sustainable fisheries since the trial of biodiversity financial standards began in Shandong [1][2] - The loan received support from the PBOC's re-lending program aimed at supporting agriculture and small enterprises, benefiting from low-cost funding and interest rate discounts [1][2] Financial Innovation and Support - Following the launch of biodiversity financial standards in October, the PBOC Yantai Branch has actively engaged in promoting financial products that support biodiversity and sustainable fisheries through various initiatives, including meetings and site visits [2][3] - A specialized service team was formed to assess the compliance of the company's ecological breeding model and biodiversity protection measures, facilitating a streamlined loan approval process [2] - The initiative aims to provide timely financial support for ecological-friendly breeding technologies, genetic resource protection, and optimization of breeding environments [2][3] Strategic Importance - The loan is seen as a significant step in promoting green finance and integrating ecological protection with industrial development, serving as a practical example of innovative financial support for biodiversity conservation [3]

Core Viewpoint - The successful issuance of China's first biodiversity-linked loan for the germplasm industry in Zaozhuang represents a significant innovation in financing that ties loan terms to biodiversity performance metrics [2][3]. Group 1: Loan Details - Zaozhuang Bank issued a loan of 25 million yuan (approximately 3.5 million USD) for the renovation and upgrading project of the pomegranate seedling breeding and promotion base in Yicheng District, Zaozhuang City [2]. - The loan's interest rate and terms are directly linked to biodiversity performance indicators, providing incentives for companies to enhance germplasm resource protection [2][3]. - The agreement with Shandong Xingyi Health Industry Co., Ltd. stipulates that achieving specific biodiversity goals will result in benefits such as interest rate discounts of 5-30 basis points, an extension of the loan term by one year, and increased loan amounts [2][3]. Group 2: Project Significance - The project has a total investment of 311 million yuan (approximately 43 million USD) and covers an area of about 430 acres, aiming to build a tissue culture laboratory, pomegranate germplasm breeding greenhouses, and a pomegranate big data platform [3]. - Zaozhuang is recognized as "China's Pomegranate Capital" and has the largest collection of germplasm resources in the country, with 523 preserved varieties [3]. Group 3: Implementation and Assurance - To ensure the authenticity of ecological data, a dual safeguard mechanism combining technology and regulation has been established, utilizing blockchain technology for data recording and involving third-party evaluations [3]. - This innovative financial product not only supports the protection of pomegranate germplasm resources but also explores a new path for green development that links measurable ecological performance with financial resources [3].

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]