国家金融监督管理总局前不久印发的《关于发展消费金融助力提振消费的通知》提出，"鼓励银行业金 融机构在风险可控前提下，加大个人消费贷款投放力度""探索开展线上开立和激活信用卡业务"。作为 连接消费需求与金融服务的便捷支付工具，信用卡是拉动居民消费的"加速器"，也是完善现代金融服务 体系的"稳定器"。 作为消费金融的重要载体，我国信用卡市场在不断规范的过程中，实现了从高速发展向高质量发展的阶 段性跨越，逐渐进入存量竞争阶段。截至2024年末，全国共开立信用卡和借贷合一卡7.27亿张，增速较 前期有所放缓，但总量依然庞大，说明信用卡已成为我国消费者日常支付的重要工具之一。在金融科技 助推下，信用卡业务模式也在迭代升级。大数据、人工智能等新技术驱动下的移动支付、在线办卡、智 能风控等，大大提升了用户的用卡体验。发卡机构可以更加精准地识别客户需求，不断推出针对不同消 费群体的个性化、差异化信用卡创新服务，满足不同用户群体需求，进一步增强用户的金融服务获得 感。 随着市场逐步进入存量竞争阶段，信用卡业务的结构性矛盾日益凸显。从市场表现看，2024年末存量信 用卡较上年减少近4000万张，且信用卡授信使用率出现持续下滑，表 ...

Core Viewpoint - The release of the "Green Finance Development Index" marks a significant step in quantifying the securities industry's contribution to green finance, providing new tools and perspectives for green transformation [1][4][6]. Policy Guidance for Green Market Expansion - Green finance has gained increasing importance in national strategic planning, with key meetings in 2023 emphasizing its role as one of the "five major articles" in finance [2]. - The China Securities Regulatory Commission (CSRC) has outlined key tasks for enhancing green finance standards and products in its 2025 implementation opinions [2]. Growth of Green Finance Market - Under strong policy guidance, China's green finance market is thriving, with both credit and bond financing channels contributing to market expansion [3]. - As of the end of Q1 2025, the balance of green loans reached 40.61 trillion yuan, a 9.6% increase from the beginning of the year, with major allocations in infrastructure upgrades, energy transition, and ecological protection [3]. - The green bond market has also shown significant growth, with 93 green bonds issued in Q1 2025, totaling 177.67 billion yuan, reflecting a 55.15% increase year-on-year [3]. Quantitative Index for Monitoring Green Services - The Green Finance Development Index focuses on resource allocation and efficiency, analyzing the securities industry's role in green finance through a comprehensive evaluation system with multiple indicators [4][6]. - The index includes four primary indicators and numerous secondary and tertiary indicators, allowing for a detailed assessment of green finance development [4]. Securities Industry as a Green Transition Engine - The securities industry is positioned as a key driver of green transformation, linking the real economy with substantial green investment needs [9]. - Oriental Securities has achieved notable success in green finance, receiving an AA ESG rating from MSCI and leading in various green financial services [9][10]. - The company has successfully directed over 350 billion yuan into sustainable development from 2021 to 2023 and has been active in innovative green financial products [10]. Future Directions and Collaborations - The collaboration between the China Economic Information Agency and Oriental Securities aims to enhance the Green Finance Development Index and promote its application in the securities industry [10]. - The index is expected to serve as a "weather vane" for green finance, guiding future policies and strategies in the sector [10].

公开报道显示，上海有300多个小区都能看到貉，其总量大概在3000到5000只。这体现了城市生态保护 的有效性，但同时市民也存在被貉侵扰的风险。通过上述合作，中国太保为人类与城市栖居动物的和谐 共生提供保险保障，这不仅是城市生物多样性的积极探索，也为全国生物多样性保护提供了新思路。 据介绍，中国太保旗下中国太保产险上海分公司携手上海市九段沙生态气候保护基金会、上海市长宁区 新泾社区基金会，为坐落于长宁区新泾镇的乐颐生境花园量身定制生物多样性保险一揽子服务方案，开 启绿色保险与生态保护融合新模式。通过此次合作，中国太保产险上海分公司为上海入选全球"生物多 样性100+"典型案例的乐颐生境花园以及全国首家以"生境"为主题的博物馆"上海生境博物馆"提供了一 揽子保险服务方案，该方案将在城市生境将列入中国《国家重点保护野生动物名录》评为二级保护动物 的貉，纳入野生动物肇事补偿责任险范畴，为动物致害补偿提供风险保障；形成了政府、公益组织与保 险机构联动，共同构建"生态保护+风险补偿"的新机制。 当前，中国正在以"昆蒙框架"提出的全政府和全社会方法推动生物多样性治理。中国太保始终紧扣中央 部署，以金融"五篇大文章"为指引 ...

Core Viewpoint - The Construction Bank of Fujian Province actively promotes green development and integrates into the province's low-carbon transformation, optimizing green financial services to support ecological governance and energy transition [1][2][3] Group 1: Green Financial Services - As of the end of May, the green loan balance of the Construction Bank of Fujian Province exceeded 100 billion yuan [1] - The bank has provided over 80 million yuan in loans for the "300MW Fish-Solar Complementary Photovoltaic Power Station Project" in Zhangpu County, which is expected to generate 467 million kilowatt-hours of electricity annually and reduce sulfur dioxide emissions by approximately 14,200 tons and carbon dioxide by 460,100 tons [1] - The bank has innovated financial products such as "carbon reduction-linked loans" to support the low-carbon transition of traditional thermal and gas power [1] Group 2: Ecological Restoration Projects - The bank has supported the blue bay restoration project in Putian City, which includes the restoration of mangrove wetlands and habitats for endangered species [2] - It has utilized various financing products, including bond financing and sponge city loans, to support comprehensive water environment governance projects [2] - The bank has developed unique products like "Lin Yi Loan," "Carbon Reduction Loan," and "Yunong Quick Loan" to enhance the value of ecological resources [2] Group 3: Industrial Transformation and Green Manufacturing - Fujian Province has adjusted its industrial structure to establish a green manufacturing system, achieving over 1 trillion yuan in industrial output from national and provincial-level green factories [3] - The bank has introduced mechanisms linking carbon emission indicators with loan interest rates to promote the green transformation of the construction materials industry [3] - It has implemented differentiated support policies for green, low-carbon, and circular economy enterprises while promoting personal "carbon accounts" to encourage societal participation in environmental protection [3]

Core Viewpoint - The news highlights the significant role of Guangxi in providing high-quality water resources to the Guangdong-Hong Kong-Macao Greater Bay Area, emphasizing the region's commitment to green finance and ecological protection initiatives [1][5]. Group 1: Water Resources and Quality - The Pearl River is the second largest river in China, with a water volume seven times that of the Yellow River and ten times that of the Huai River. The river basin covers approximately 453,600 square kilometers, with 202,400 square kilometers located in Guangxi [1]. - From 2016 to 2020, Guangxi's average annual water resources flowing into Guangdong reached 218.6 billion cubic meters, accounting for 92.4% of Guangdong's total incoming water resources [1]. - Since the 13th Five-Year Plan, the water quality flowing from Guangxi to Guangdong has consistently remained excellent, with a 100% good quality ratio in national surface water assessments [1]. Group 2: Green Finance Initiatives - In 2024, the China Construction Bank Guangxi Branch established a green finance action plan focusing on eight key areas, including industrial low-carbon transformation and ecological restoration [1]. - The bank has set up a "1+5+3" green finance institutional framework, including a green finance center and several specialized green operating centers across various regions in Guangxi [2]. Group 3: Support for Industrial and Environmental Projects - The Hechi Branch of the bank supports green transformation in the non-ferrous metal industry, investing 2.8 billion yuan in a project that features a comprehensive industrial water recycling system, achieving a 95.79% water recycling rate [3]. - In Liuzhou, the bank has invested approximately 470 million yuan in wastewater treatment facilities, which utilize advanced technologies to treat 180,000 cubic meters of wastewater daily [3]. - The bank has also financed rural wastewater treatment projects, contributing 73.23 million yuan to improve water quality and protect drinking water sources in the region [4]. Group 4: Ecological and Community Impact - The bank's initiatives have led to significant improvements in local water quality, with Liuzhou ranking first in national surface water assessments for four consecutive years since 2020 [3]. - The Nankao River project in Nanning, which incorporates sponge city technology, has transformed the river into a scenic area, showcasing the effectiveness of ecological solutions in urban water management [4].

江南时报讯（通讯员 欣仁）九河汇聚，水流潺潺蜿蜒。一望无边的绿色地毯上，绮丽的天光湖影尽收眼底……夏季的盐城建湖县九龙口旅游度假区， 水碧草绿，宛如画卷。这一份沁人的绿意中，有着金融活水的润泽。 5月27日，兴业银行南京分行在"环保担"模式下，为建湖县九龙口风景区发放中长期项目贷款4500万元，资金将主要用于景区品质提升、碳排放削减与可持 续发展项目。该笔业务也是兴业银行首笔"环保担"支持生态旅游的项目。 绿色发展是中国式现代化的鲜明标识。中央经济工作会议将"加紧经济社会全面发展绿色转型"作为今年要抓好的重点任务之一。2025年江苏省政府工作报告 提出"加快打造绿色低碳发展高地"。与美丽江苏一同"绿"动，兴业银行南京分行在多个绿色产业领域留下了绿色金融印迹。6月4日开展的新闻发布会上，兴 业银行南京分行战略客户部（绿色金融部）总经理夏一飞介绍，兴业银行南京分行紧紧围绕江苏省政策导向，坚持减污、降碳、扩绿一体推进，持续释放绿 色金融动能。截至2025年4月末，该行已累计为江苏2710家节能环保企业提供绿色融资6287.62亿元，绿色金融融资余额超1600亿元。 绿水生"金"：金融"活水"与生态"碧水"汇聚成川 ...

Core Viewpoint - The third Shanghai International Carbon Neutral Technology, Products and Achievements Expo showcases the active participation of the Bank of Communications in supporting Shanghai's development as an international green finance hub and the achievement of carbon neutrality goals [1]. Group 1: Green Finance Initiatives - The Bank of Communications emphasizes its theme "Green Movement, Carbon Future" through seven distinctive sections at the expo, highlighting its efforts in green finance and local development [1]. - The bank has facilitated the issuance of China's first green dual-currency offshore bond by the Shanghai Lingang Economic Development Group, demonstrating its commitment to supporting Shanghai's open hub construction [1]. - The bank provided $200 million in financing for a photovoltaic power station project in the Middle East, supporting sustainable development in Belt and Road countries [1]. Group 2: Green Consumption and Mobility - The bank promotes green lifestyles by offering a variety of green financial products, including green-themed credit and debit cards, and establishing a carbon points mall [1]. - A special event called "Hui" was launched to encourage the consumption of green smart home appliances [1]. - The bank collaborated with Shentong Metro and Shanghai Transportation Card Company to introduce a "Digital Ride Code" covering all public transportation in Shanghai [2]. Group 3: Green Transformation and Technology - The bank has successfully implemented China's first financial loan for the green transformation of the water transportation industry, providing 750 million yuan to a subsidiary of China COSCO Shipping Development Co., Ltd. [2]. - The bank's green inclusive finance section illustrates its efforts to combine green finance with inclusive finance through various regional resources and local characteristics [2]. - The bank plans to launch "Sci-Tech Smart Intellectual Property Loans" in 2024, aimed at supporting green tech companies facing financing challenges [2]. Group 4: Carbon Finance Innovations - The carbon finance section of the bank's exhibition highlights its innovative services in carbon finance, support for carbon trading market development, and the establishment of "zero-carbon outlets" [3]. - An interactive experience area was set up at the bank's booth, allowing participants to engage in VR skiing while promoting green living concepts [3].

请务必阅读正文之后的免责条款部分 1 期货研究 2025年06月06日 国泰君安期货商品研究晨报-绿色金融与新能源 | 观点与策略 | | --- | | 镍：短线成本托底，预期偏弱压制 | 2 | | --- | --- | | 不锈钢：负反馈与减产博弈，钢价区间震荡 | 2 | | 碳酸锂：基本面疲弱，关注中美关税修复的可能性 | 4 | | 工业硅：商品情绪改善，关注上行风险 | 6 | | 多晶硅：弱势基本面格局依旧 | 6 | 国 泰 君 安 期 货 研 究 所 【宏观及行业新闻】 1）印尼政府近期对非税国家收入提出相关调整建议，镍矿、镍铁、镍生铁和镍锍资源税率分别由 10%、 2%、5%和 2%提高至浮动区间 14%-19%、5%-7%、5%-7%和 4.5%-6.5%。印尼能矿部官员表示，印尼总统于 4 月 11 日正式签署镍产品特许权使用费新政，政府令分别为 PP No.18（2025）和 PP No.19（2025），并 表示该政策将于 4 月 26 日正式实施。 商 品 研 究 2025 年 6 月 6 日 镍：短线成本托底，预期偏弱压制 不锈钢：负反馈与减产博弈，钢价区间震荡 张再宇 投 ...

每年的6月5日是联合国为提升全球环境意识、推动环保行动设立的国际日，今年已是第54个世界环境日。 兴业银行南京分行则是把宣教重点放在了该行今年对文旅绿色项目的资金支持上，以促进人与自然和谐共生。 比如，因地制宜支持江苏重点文化旅游项目，通过"金融+文旅+生态"模式助力旅游产业高质量发展，以绿色 金融助力文旅产业等实践。 河北围场农商银行当日在线上平台的推文中，普及了世界环境日定在每年6月5日的来源及其发展历程。与此同 时，该行发出关于"保护环境，从小事做起"的多方面呼吁，包括养成低碳生活习惯、环保消费习惯、绿色出 行、参与公益传播环保意识等。 从各银行的具体行动可以看出，商业银行在绿色金融领域的布局正不断深入和完善。 今年，世界环境日主题为"终结塑料污染"，中国主题定为"美丽中国我先行"。随着世界环境日的到来，各地开 展多样活动，倡导社会公众积极行动，投身美丽中国建设。 券商中国记者观察发现，近段时间以来，银行业也在积极参与，多家股份行、城商行陆续通过微信公众号等线 上平台，以图文并茂的形式普及绿色金融的有关宣教内容。 金融机构全"绿"以赴 6月5日，"江苏银行公司金融"微信公众号发文称，值此全国环境日，围绕 ...

三十载，砥砺前行、耕耘不辍。华夏银行南京分行积极践行金融工作的政治性、人民性，在总行引领下不断深化战略布 局，坚持"以人民为中心"价值取向，紧扣江苏发展主线，锚定"五篇大文章"向"新"求"质"，在10.72万平方公里的江苏大 地上深烙"华夏印记"。 三十载，励"金"图治、行棋谋远。华夏银行南京分行精工细绘"强富美高"新江苏画卷，目前拥有9家二级分行、63家营业 机构，系统内率先实现设区市机构全覆盖，总资产2200亿元、存款规模超1800亿元、贷款规模超2000亿元。 三十载，载誉江苏、"新"领未来。以自身高质量发展助力金融强国建设，在推进中国式现代化中彰显责任担当。华夏银 行南京分行先后获评"全国五一劳动奖状""全国精神文明建设先进单位""全国金融系统文明建设先进单位"，连续多年被 评为"江苏省文明单位"，荣膺南京市"助推引领性国家创新型城市建设有功单位"，连续两年获评南京市"绿色金融示范团 队"。 1995年6月6日，金陵沃土上，一朵"金融之花"悄然绽放。作为总行设立的首家外埠分行，华夏银行南 京分行应运而生，成为最早进入江苏的股份制商业银行之一。 培根铸魂 初心如磐 ——砥砺奋进"华夏新征程" "圆满实现 ...