习近平总书记多次强调金融和实体经济的关系，指出"金融要把为实体经 济服务作为出发点和落脚点" "金融是实体经济的血脉，为实体经济服务是 金融的天职"。党的二十届三中全会对深化金融体制改革作出一系列系统 性部署，提出"完善金融机构定位和治理，健全服务实体经济的激励约束 机制"的要求。深化金融体制改革，必须建立健全分工协作的金融机构体 系，坚持把金融服务实体经济作为根本宗旨，全力提升服务质效，以金融 高质量发展助力中国式现代化。 深刻理解完善金融机构定位和治理，健全服务实体经济的激励约束机制的内在要求 建设金融强国的必然要求。 强大的金融机构是建设金融强国的六大关键核心金融要素之一，完善金融 机构定位和治理是建设强大的金融机构的关键步骤。习近平总书记指出，金融机构健康既包括资产负债 表健康，也包括公司治理、内控体系、复杂金融产品交易清算以及重要金融基础设施健康。如果金融机 构处于病态，就很难为实体经济服务好。当前我国金融机构总体运行稳健，但在内控管理、服务水平等 方面还存在与实体经济发展不适应的问题，需要抓紧采取有效措施解决。 经济和金融高质量发展的必然要求。 完善金融机构定位和治理是提升我国金融机构服务质效的关 ...

Core Viewpoint - The implementation plan for high-quality development of green finance in the banking and insurance sectors aims to enhance financial services for green industries and support the low-carbon transition of high-energy and high-emission sectors [1][3]. Group 1: Financial Supply and Service Adaptability - The plan encourages financial institutions to optimize credit supply and develop specialized green financial products, with large commercial banks playing a key role in supporting the green transition of the real economy [3][4]. - As of the end of 2024, the balance of green credit from 21 major banks is projected to reach 32.78 trillion yuan, a year-on-year increase of 20.61%, while green insurance premium income is expected to be 333.1 billion yuan [4]. Group 2: Risk Prevention and Commercial Sustainability - The plan outlines specific risk prevention requirements for financial institutions, urging them to integrate environmental, social, and governance (ESG) criteria into their risk management systems [5][6]. - Financial institutions are required to maintain a sound market order and ensure commercial sustainability by setting reasonable loan interest rates and managing risks associated with high-energy and environmentally harmful projects [6]. Group 3: Future Developments and Policy Framework - The financial regulatory authority plans to continue improving the green finance policy framework and promote unified statistical standards for green finance [7]. - There will be a focus on enhancing collaboration with industry regulators and supporting the development of green finance products and markets, particularly in key sectors like industry and construction [7].