作为制造业名城，东莞的中小微企业是产业根基，而绿色转型是发展刚需，如何让普惠金融既"沉下 去"精准服务中小微企业、又"融进去"深度助力绿色治理，是金融机构长期探索的方向。对此，东莞农 商银行将"普惠属性"与"绿色导向"相融合，在工业废水治理的细分场景里，找到了一条服务实体经济的 有效路径，创新推出"零散废水处理指标挂钩贷款"，并成功入选"广东银行业普惠金融优秀案例"，切实 做到让普惠金融更"绿色"，让绿色金融更"普惠"。 从"废水数据"里挖"信用金矿" 一般而言，中小微企业融资难，难在"缺抵押、缺报表"；但对治废、产废企业来说，"每月处理多少吨 废水""有没有达标排放"等数据信息，就是比财务报表更可靠的"信用证明"。对此，东莞农商银行从中 找到了"信用模型"，发现企业治污越规范，其经营越靠谱，企业信用越扎实。于是，在中国人民银行东 莞市分行的指导下，该行推出"零散废水处理指标挂钩贷款"，把治废企业的"废水收集量"、产废企业 的"集中处理量"以及环保信息监测等信息，直接和授信额度、贷款利率挂钩，让企业"治污的努力"变 成"融资的便利"，"让绿色的行为"得到金融的奖励。 例如一家专精特新的厨卫企业，近三个月废水月 ...

银行频道更多独家策划、专家专栏，免费查阅>> 责任编辑：小讯 为积极响应国家"双碳"战略，推动能源结构绿色转型，兴业银行厦门分行近日成功落地分行首笔光储充 一体化项目贷款。该项目集光伏发电、储能系统与充电设施于一体，构建起多能互补、高效协同的清洁 能源体系，为厦门市新能源产业发展注入新动能。 光储充一体化项目是当前新能源领域的重要创新实践。本笔业务所支持的项目建成后，预计年发电量将 超270万千瓦时，每年可节约标准煤超1000吨，减少二氧化碳排放超2700吨，环境效益显著。同时，该 项目还为所在园区车位配套充电桩及储能设备，通过智慧能源管理系统实现电能双向互动与动态调配， 有效提升新能源消纳能力，缓解电网负荷压力，为绿色出行提供坚实保障。 下阶段，兴业银行厦门分行将进一步深化绿色金融创新，探索更多"新能源+"场景应用，以金融活水浇 灌实体经济绿色转型，为厦门高质量发展贡献更多"兴"力量。 ...

Core Insights - The COP30 conference is pivotal for global climate governance and financing, emphasizing the need for actionable climate cooperation beyond mere consensus [2][4] - The dialogue initiated by Sina Finance and GF60 aims to enhance climate ambition and facilitate the implementation of climate actions [1][7] Climate Financing and Cooperation - Strengthening regional connectivity and forming "coalitions of the willing" is seen as a more realistic approach to advancing climate action, with examples including China's green trade agreements with ASEAN and EU-Brazil cooperation in sustainable agriculture [2][8] - The COP framework includes mechanisms for immediate action, such as Article 6 of the Paris Agreement, which allows for emissions reduction transfers between countries with established carbon markets [2][8] Transition and Resilience - Financing for low-carbon transitions in high-carbon industries is becoming a consensus among Asian countries, with China leading in developing systematic transition plans and local financial guidelines [3][10] - Climate resilience is equally important, as the frequency of extreme weather events increases, necessitating enhanced resilience in social and economic systems to mitigate risks [3][10] Role of Capital Markets - Capital markets are crucial in driving global climate action, with private capital needed to complement public funding, as highlighted by a ten-year-old report from the People's Bank of China [4][11] - The annual funding requirement for climate mitigation, transition, and resilience is estimated at $10 to $15 trillion, necessitating the mobilization of approximately $150 trillion in long-term savings [4][11] China's Green Finance Initiatives - Over the past decade, China has made significant strides in enhancing its financial policy framework and developing green finance products, providing a model for global green transitions [5][12] - Current global green, climate, and sustainable bond stock is approximately $6 trillion, with a long-term goal of reaching about $60 trillion, emphasizing the need for collaborative efforts to bridge this gap [5][12]

Core Viewpoint - Huishang Bank has successfully integrated its development with the economic growth of Anhui Province over the past 20 years, demonstrating the spirit of Huishang in the financial sector and contributing significantly to local economic development [1][3]. Group 1: Financial Contributions to Local Economy - Since its establishment, Huishang Bank has provided over 30 trillion yuan in financial support to Anhui Province during the 14th Five-Year Plan period, playing a crucial role in the province's economic transformation from an agricultural to an industrial powerhouse [3]. - The bank's total assets have exceeded 2.3 trillion yuan, with a net capital of over 170 billion yuan, while maintaining a declining trend in non-performing loans and improving risk control capabilities [3]. Group 2: Support for Innovation and Technology - Huishang Bank has issued over 210 billion yuan in technology loans, nearly 160 billion yuan in green credit, and over 170 billion yuan in inclusive microloans, demonstrating its commitment to nurturing technological innovation and supporting small and micro enterprises [4][11]. - The bank has developed a unique "Science and Technology Bank" model, focusing on providing tailored financial services to innovative enterprises, which has resulted in a significant increase in technology loan balances and the number of serviced technology companies [11][12]. Group 3: Expansion of Financial Services - Huishang Bank has expanded its personal financial services, growing its customer base from 19.5 million to 39 million in three years, indicating a strong market presence in Anhui [15]. - The bank has also launched various financial products, including "Technology Talent Loans" and "Technology R&D Loans," to support the entire lifecycle of technological enterprises [11][12]. Group 4: Strategic Goals and Future Directions - Looking ahead, Huishang Bank aims to deepen its focus on five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance, to enhance its role in optimizing the economic structure [12][16]. - The bank plans to continue innovating its financial services and products, aiming to create a comprehensive financial ecosystem that covers all aspects of lending, investment, and transaction services [16].

Group 1 - The core idea of the articles revolves around the role of financial institutions, particularly Hangzhou Bank, in supporting small and medium-sized enterprises (SMEs) and enhancing their operational capabilities through innovative financing solutions [1][2][3][4][5][6][7][8][9][11][12][13][14][15][16][17][18][19][20] Group 2 - Hangzhou Bank provided an 8 million yuan credit loan to Zhejiang Haishide Food Co., Ltd., which is on the verge of achieving an annual output value of nearly 200 million yuan, helping stabilize the company amid fluctuating squid raw material prices [1][6][11][17] - The bank has developed a systematic service mechanism to support the squid fishing and processing industry in Zhoushan, which is a significant sector in the region [16][17] Group 3 - The bank is focusing on unlocking "sleeping assets" of SMEs by utilizing innovative collateral methods such as pollution rights and patent pledges, thus transforming these assets into development momentum [2][3][12][13][14] - A textile company in Shaoxing received 50 million yuan through a supply chain financing solution based on pollution rights, significantly enhancing its production capacity [2][12][13] Group 4 - Hangzhou Bank emphasizes tailored financial products for local industries, adhering to a "one county, one policy" approach to effectively channel financial resources into the grassroots economy [4][15] - The bank has established a specialized team to support the technology sector, providing customized credit solutions to companies in critical stages of development [5][18][20] Group 5 - The bank's green finance initiatives include a comprehensive service plan to support carbon peak pilot construction, with a green loan balance of 97.17 billion yuan as of June [19] - The bank has also launched "green deposit" products and ESG-themed investment products to integrate green concepts into its operations [19][20]

Core Viewpoint - The People's Bank of China has introduced measures to support the construction of the Western Land-Sea New Corridor, focusing on the integration of logistics, trade, and industry through innovative financial solutions [2][4]. Group 1: Financial Support Measures - The new policy outlines 21 key initiatives across six areas to enhance the financing system for the Western Land-Sea New Corridor, which currently connects 127 countries and regions with 583 ports and over 1,300 types of goods [2][4]. - A new fund will be established in Chongqing to aggregate various capital sources, including domestic and international investments, to facilitate infrastructure financing [2][3]. Group 2: Cross-Border Financial Services - The measures aim to improve cross-border settlement and financing services, addressing issues such as slow payment processes and financing difficulties for enterprises [3][4]. - The policy supports the development of integrated financial insurance services for multimodal transport, which can streamline logistics and enhance credit availability for logistics and foreign trade companies [3][4]. Group 3: Cross-Border Investment and Financing - The initiatives include the cancellation of preliminary fee registration for foreign direct investment and the optimization of reinvestment processes for foreign enterprises [7]. - There will be support for high-tech and specialized small and medium-sized enterprises to facilitate cross-border financing, broadening their funding channels [7][8]. Group 4: Digital Financial Services - The central bank plans to establish a digital financial service platform specifically for the Western Land-Sea New Corridor, promoting the use of central bank digital currency in cross-border payments [9][10]. - The initiative aims to connect with international trade single-window platforms and government service platforms to address systemic barriers and data silos [9][10].

陆洋、林容珍在《团结》2025年第4期《以绿色技术国际合作加强绿色"一带一路"建设》一文中指出， 跨国合作与技术共享是全球实现绿色低碳转型的必由之路，也是绿色"一带一路"的重要内容。发展中国 家普遍面临各类环境问题。如何利用绿色技术、实现绿色技术的转移和转化，推进各国逐步实现绿色转 型，成为共建"一带一路"国家绿色发展的关键性问题。共建"一带一路"国家在生态农业、绿色能源、节 能减排、绿色建筑、应对气候变化需要的环境治理和修复等可持续发展技术领域的转移转化需求与日俱 增。中国在绿色技术国际合作中，一方面作为绿色技术输出方积极支援共建"一带一路"国家以及不发达 国家可持续发展事业，另一方面也迫切需要发达国家的绿色技术转移来推动自身经济社会绿色转型。具 体可在以下几方面重点发力。一是绿色技术转移合作机制研究亟待深化。绿色技术国际合作涉及资金、 人才、法律法规、基础设施等各方面综合配套，需要系统的技术标准评价体系。二是加强绿色技术转移 转化的信息和网络平台搭建，推动共建"一带一路"国家间技术信息共享。三是加强绿色金融对绿色技术 国际合作的支持力度。通过扩展资金来源、保障资金可持续性等手段，完善绿色技术转移资金保障机 ...

1. Report Industry Investment Rating No information provided regarding the industry investment rating in the report. 2. Core Viewpoints of the Report - In the primary market, from December 29, 2025, to December 31, 2025, 13 green bonds were newly issued in the inter - bank and exchange markets, with a total issuance scale of about 1.3398 billion yuan, a decrease of 936.3 million yuan compared to the previous week [1]. - In the secondary market, the weekly trading volume of green bonds from December 29, 2025, to December 31, 2025, totaled 49 billion yuan, a decrease of 15.5 billion yuan compared to the previous week. Non - financial corporate credit bonds, financial institution bonds, and interest - rate bonds had the top three trading volumes [2]. - In terms of valuation deviation of the top 30 individual bonds, the overall deviation of the weekly trading average price valuation of green bonds was not large. The discount trading amplitude was smaller than the premium trading, and the discount trading proportion was greater than the premium trading [3]. 3. Summaries According to Relevant Catalogs Primary Market Issuance - **Number and Scale**: 13 green bonds were newly issued, with a total scale of about 1.3398 billion yuan, a decrease of 936.3 million yuan from the previous week [1]. - **Issuance Tenure**: Mostly 2 - year and 24 - year bonds [1]. - **Issuer Nature**: Central state - owned enterprises, local state - owned enterprises, and foreign - owned enterprises [1]. - **Subject Rating**: Mostly AAA and AA+ ratings [1]. - **Issuer Region**: Hubei, Fujian, Anhui, Guangdong, Shandong, Zhejiang, Jiangsu, and Beijing [1]. - **Bond Types**: Medium - term notes, corporate ABS, and private placement corporate bonds [1]. Secondary Market Trading - **Total Trading Volume**: The weekly trading volume was 49 billion yuan, a decrease of 15.5 billion yuan from the previous week [2]. - **By Bond Type**: Non - financial corporate credit bonds (22.3 billion yuan), financial institution bonds (19.9 billion yuan), and interest - rate bonds (5.1 billion yuan) had the top three trading volumes [2]. - **By Issuance Tenure**: Green bonds with a term of less than 3 years had the highest trading volume, accounting for about 85.30% [2]. - **By Issuer Industry**: The top three industries in terms of trading volume were finance (22.1 billion yuan), public utilities (10.9 billion yuan), and transportation (170 million yuan) [2]. - **By Issuer Region**: Beijing (16.1 billion yuan), Guangdong (5.9 billion yuan), and Hubei (4.6 billion yuan) had the top three trading volumes [2]. Valuation Deviation of the Top 30 Individual Bonds - **Overall Situation**: The overall deviation of the weekly trading average price valuation was not large. The discount trading amplitude was smaller than the premium trading, and the discount trading proportion was greater than the premium trading [3]. - **Discount Bonds**: The top three discount bonds were 24 Guangzhou Kaide MTN001B (- 0.6391%), GC Tianhui 03 (- 0.1777%), and 25 Xuzhou Transportation ABN001 Priority (- 0.1698%). The subject industries were mainly real estate, steel, and finance, and the regions were mainly Guizhou, Hebei, and Guangdong [3]. - **Premium Bonds**: The top three premium bonds were 25 Puzhi G3 (1.7539%), 24 Xinyang G1 (0.7196%), and 25 Three Gorges GN010 (0.4792%). The subject industries were mainly finance, public utilities, and energy, and the regions were mainly Guangdong, Hubei, and Beijing [3].

文 杨井鑫 在这一框架下，绿色金融是其中关键一环。作为支撑我国绿色转型的重要制度安排，在历经十余年的发 展之后，我国绿色金融的规模已位列全球首位，绿色金融对产业的赋能作用越加明显，其价值创造功能 逐渐显现，已成为推进中国式现代化的时代命题。 从"10万亿"到"40万亿" 一场以低碳为路径、以发展为使命的深刻变革正全面展开。 "十五五"规划建议中，"降碳、减污、扩绿、增长"协同推进的部署，标志着中国绿色发展进入到了新阶 段。绿色发展不再是经济增长的约束条件，而是通过系统性变革实现更高质量、更可持续增长的核心引 擎。 我国绿色金融的发展历程充满了时代特色。1995年，中国人民银行发布《关于贯彻信贷政策与加强环境 保护工作有关问题的通知》，首次将环境保护要求纳入到信贷框架中，成为中国绿色金融发展的历史起 点。 2005年，时任浙江省委书记习近平同志在浙江安吉首次提出了"绿水青山就是金山银山"的"两山理论"， 不仅为中国生态文明建设指明了方向，更为绿色金融发展赋予了核心使命和价值遵循。 2007年，中国绿色金融制度正式迎来了序章。这一年，中国人民银行、原银监会等三部委联合出台《关 于落实环境保护政策法规防范信贷风险的 ...

Group 1 - The core idea is to accelerate the establishment of a long-term mechanism for government debt management that aligns with high-quality development, emphasizing the need for effective debt management and risk prevention [2][3][4] - The Chinese government has strengthened local government debt management during the 14th Five-Year Plan period, optimizing special bond management and implementing a negative list for bond usage [3][4] - There is a need to improve the government debt management system, clarify the classification and functional positioning of government debt, and ensure sustainable debt limits [4][5] Group 2 - A long-term mechanism for preventing and resolving hidden debt risks is essential, requiring a comprehensive monitoring system and strict budget management for government expenditures [5][6] - Enhancing the management of local government special bonds is crucial, focusing on project approval processes and ensuring timely repayment to mitigate default risks [6] - The reform and transformation of local government financing platforms should be accelerated, ensuring they operate independently of government credit and adhere to market principles [6] Group 3 - The development of technology finance, green finance, inclusive finance, pension finance, and digital finance is a strategic deployment to better serve the real economy and meet the needs of high-quality economic development [7][8] - By June 2025, loans in the five key financial areas are expected to reach 105.7 trillion yuan, accounting for 38.8% of total loans, with a year-on-year growth of 14% [8][9] - The financial system should enhance its service capabilities and support for key sectors such as technology innovation and green development [9][10] Group 4 - The promotion of balanced development in imports and exports is essential for maintaining economic stability and responding to global trade challenges [24][25] - In 2024, China's goods trade is projected to reach 6.16 trillion USD, with a trade surplus of 992.2 billion USD, highlighting the need for balanced trade [24][25] - The focus on high-quality development necessitates increasing both export quality and import volume to meet domestic needs and enhance global cooperation [26][27] Group 5 - The push for digital trade innovation involves expanding market access in the digital sector and improving the regulatory framework for data flow [29][30] - Establishing high-level open platforms for digital trade is crucial, with initiatives like national digital trade demonstration zones to enhance competitiveness [30][31] - International cooperation in digital trade should be deepened, particularly with countries in ASEAN and BRICS, to foster a collaborative digital economy [31]