转自：草原云 记者从中国人民银行内蒙古自治区分行获悉：截至2025年末，内蒙古农业转型金融贷款授信达2.88亿 元，贷款余额1.38亿元，覆盖9个盟市、惠及10家农业经营主体，为传统农业绿色转型发展注入强劲金 融动能。 围绕农业低碳转型关键环节，内蒙古金融机构精准发力，将信贷资源投向绿色种植、生态养殖、农畜产 品加工等重点领域，满足企业减排需求。内蒙古农村商业银行阿拉善盟中心支行为阿拉善左旗吉兰泰镇 慧科种植养殖专业合作社发放990万元农业转型金融贷款，助力企业构建"源头消减—过程控制—末端利 用"全链条减排体系。 立足农业产业特点和转型需求，内蒙古探索创新开发"转型金融+"融合模式，形成一批可复制、可推广 的农业转型金融服务模式。中国建设银行呼伦贝尔分行为呼伦贝尔农垦现代牧业有限公司授信1.5亿元 碳减排挂钩贷款，为内蒙古首笔"碳标签"标识的农业转型金融贷款；内蒙古农村商业银行赤峰中心支行 为赤峰市天拜山饮品有限责任公司提供1200万元"转型金融+碳足迹挂钩"的农业可持续发展挂钩贷款， 支持企业建立"原料-加工-包装-运输"全周期碳足迹模型。 在政策激励方面，内蒙古推动金融机构建立健全激励约束机制，强化风险 ...

Core Insights - The collaboration between Postal Savings Bank of China Chengdu Branch and a provincial agricultural enterprise marks a significant step in agricultural transformation financing, providing a specialized loan of 12 million yuan to support the green and intelligent transformation of traditional agriculture [1][4]. Group 1: Agricultural Transformation Challenges - A leading mushroom cultivation company in Chengdu, with an annual output exceeding 15,000 tons, faces challenges due to outdated high-energy consumption facilities and rising production costs, necessitating a low-carbon transformation [2]. - The company struggles with financing pressures due to a lack of effective collateral, long technology investment cycles, and slow capital recovery, which has stalled its transformation efforts [2]. Group 2: Postal Savings Bank's Role - Postal Savings Bank of China Chengdu Branch, under the guidance of the People's Bank of China Sichuan Branch, conducted thorough research on the company's operational status and financing needs, tailoring a financial support plan for its transformation [3]. - The bank collaborated with a third-party environmental research center to conduct comprehensive carbon accounting, revealing high carbon emissions per unit of output due to inefficient traditional temperature control systems [3]. - A low-carbon transformation plan was developed, focusing on upgrading temperature control systems, mechanizing production lines, and utilizing waste resources, with a mechanism linking carbon intensity to loan interest rates to incentivize emissions reduction [3]. Group 3: Green Finance Outcomes - The 12 million yuan loan significantly alleviates the company's immediate financial pressures, facilitating the implementation of key transformation projects that will reduce energy consumption and carbon emissions while enhancing market competitiveness [4]. - This collaboration represents a solid step for Postal Savings Bank in the agricultural transformation finance pilot area, providing a replicable and innovative solution for the green and intelligent transformation of traditional agriculture [4]. - On a macro level, the partnership aligns with national "dual carbon" strategies and rural revitalization policies, contributing to the modernization of agriculture in Sichuan and serving as a model for other traditional agricultural entities [4]. Group 4: Future Directions - The collaboration exemplifies Postal Savings Bank's commitment to green finance, with plans to deepen the "finance + technology + industry" collaborative model to provide comprehensive financial services to more traditional agricultural entities [5]. - The bank aims to continue contributing to national "dual carbon" goals and rural revitalization strategies with innovative financial solutions [5].

Core Viewpoint - The People's Bank of China is initiating a pilot program for agricultural transformation financial standards in five provinces, aiming to promote green and low-carbon agricultural practices and support rural revitalization [1] Group 1: Implementation Strategies - A high-level promotion mechanism has been established, creating a key project library to manage agricultural transformation projects dynamically, with a total credit amount of 373 million yuan allocated to 12 projects [2] - Third-party institutions are being introduced to enhance precise carbon accounting and evaluation, with a dual assessment model (self-assessment and third-party evaluation) to improve transformation efficiency [2] - Innovative financial products linked to carbon reduction are being developed, providing flexible financing conditions based on companies' emission reduction achievements, with interest rates as low as 3.1% [3] Group 2: Initial Outcomes - Significant agricultural transformation results have been observed, with an expected annual carbon emission reduction of nearly 6,000 tons from the projects in the financial project library [4] - The financial support has led to improved agricultural practices, such as reduced fertilizer usage and energy consumption, contributing to a more sustainable agricultural model [4] - The dual incentive mechanism of carbon reduction-linked loans has enhanced companies' economic benefits while promoting low-carbon technologies [5][6] Group 3: Challenges Faced - High assessment costs for carbon accounting hinder the promotion of the program, with fees ranging from 50,000 to 200,000 yuan and lengthy evaluation periods [7] - Policy coordination remains a challenge, with some local financial support policies not aligning well with the agricultural transformation financial initiatives [7] - Slow progress in environmental information disclosure due to the weak foundation of agricultural enterprises, leading to inconsistent quality in carbon emission data reporting [7] Group 4: Future Plans - Plans to expand the agricultural transformation project reserve by encouraging banks to identify and support more eligible agricultural enterprises [8] - Efforts to broaden the scope of third-party evaluations, particularly for banks with slow progress in agricultural transformation financing [8] - Strengthening policy support and collaboration among local governments and financial institutions to enhance the effectiveness of agricultural transformation financing [8]

Core Viewpoint - The People's Bank of China (PBOC) has initiated a pilot program for agricultural transformation financial standards to support low-carbon development in agriculture, particularly in Yichun City, Jiangxi Province, which has shown promising early results in this endeavor [1][2]. Group 1: Policy and Framework - The introduction of the "dual carbon" goals has directed the need for a comprehensive green transformation in agriculture, which is a significant source of carbon emissions and a key area for carbon reduction [2]. - The PBOC has quickly developed guidelines and a directory for agricultural transformation financial standards, selecting regions like Zhejiang and Jiangxi for pilot testing [2]. - Yichun City, as a major agricultural hub, has established clear transformation goals and funding strategies to enhance credit support for agricultural transformation projects [2][3]. Group 2: Implementation Actions - Yichun City has created a dynamic project database to identify and promote key agricultural transformation projects, collaborating closely with local agricultural authorities [3]. - The city has adopted a dual approach for carbon reduction assessment, combining self-assessment with third-party evaluations to ensure accurate and credible carbon reduction data [4]. - Financial institutions in Yichun have developed innovative financial products linked to carbon reduction metrics, providing tailored support to agricultural enterprises [5]. Group 3: Collaborative Support Systems - A supportive policy framework has been established to facilitate the implementation of agricultural transformation financial standards, involving coordination between local government and financial institutions [6]. - The city has initiated partnerships with third-party organizations to enhance carbon accounting capabilities and provide comprehensive support for transformation projects [4][9]. - Continuous optimization of the pilot program is emphasized, focusing on sustainable development, financial innovation, and multi-party collaboration as essential components for successful agricultural transformation [7]. Group 4: Recommendations for Future Development - Strengthening policy support and financial incentives is crucial for enhancing the sustainability of agricultural transformation projects [8]. - Improving guidance for transformation planning and fostering the development of qualified third-party institutions are necessary to address challenges in carbon accounting [9]. - Emphasizing talent development in agricultural transformation finance will enhance service levels and support the successful implementation of transformation standards [10].

Core Insights - Sichuan Province's egg-laying chicken industry cluster has been selected for the Ministry of Agriculture and Rural Affairs' 2025 advantageous characteristic industry cluster project [1] - Leshan, the city with the largest number of egg-laying chickens in the province, is accelerating the scale of chicken farming [1] - A financial innovation model combining "banking + insurance" has been successfully implemented, with a loan of 3.8 million yuan to support agricultural transformation [1][2] Financial Innovation - The "banking + insurance" model introduced by the People's Bank of China in Leshan aims to enhance financing for agricultural transformation projects, particularly in waste management [2][3] - The loan supports the renovation of waste treatment facilities, allowing the company to generate additional income from waste processing, estimated at 2.8 million yuan annually [1][2] - The project is expected to achieve a carbon reduction of 2,204.70 tons per year [2] Environmental Impact - The transformation of waste management from a cost to a revenue-generating process has been highlighted, with the company now producing high-quality organic fertilizer [2] - The cost of waste treatment has decreased from 40 yuan per ton to a revenue of 260 yuan per ton, resulting in a value addition of 380 yuan per ton [2] - The initiative serves as a replicable model for promoting green and low-carbon agricultural development [3]