被誉为"花木之乡"的沭阳县，花木盆景种植面积达60万亩，5万余家花木类电商企业在这里蓬勃发 展。然而，"花木周期长、投入大、没抵押"一直是困扰花农和企业融资的三大难题。 如何将花木的生态"颜值"转化为实实在在的"产值"？带着这个问题，沭阳县的探索者们将目光投向 了VEP核算。相关部门联合高校、科研院所成立"产研学结合"课题组，对全县4626家花木企业进行"起 底式"调研，建立起一套科学、规范的花木类VEP评价体系。 当课题组的专家们扛着仪器走进胡道中的艺森园时，他还有些半信半疑，然而，最终"估值6000万 元"的详尽报告不仅让他自己大开眼界，也给了银行一颗"定心丸"，爽快地发出500万元的贷款。 "刚开始我们也怕，花木万一死了，贷出去的钱不就打了水漂？"沭阳农商银行新河支行行长张宁波 坦言。银行的顾虑，由"有为政府"来破解。沭阳县迅速建立"政银合作"机制，由政府为评估体系背书， 并推动金融机构出台《VEP抵质押贷款业务管理办法（试行）》，明确以VEP核算报告作为发放"零抵 押"贷款的核心依据。 政府搭台、银行唱戏、企业受益。胡道中500万元贷款到账，曾经的"老大难"花木产业如今成了金 融机构眼中的"香饽饽"。 ...

Core Viewpoint - The city of Huzhou is actively promoting green finance and ecological product value assessment, aiming to integrate ecological sustainability with economic development, as part of the "Green Mountains and Clear Water are Gold and Silver Mountains" philosophy established 20 years ago [1][2][3]. Group 1: Green Finance Initiatives - Huzhou has introduced the "VEP+" series of financial products to support enterprises and farmers involved in VEP (Ecological Product Value) projects, providing preferential credit terms totaling 1.052 billion yuan for 17 enterprises and 887 farmers [1]. - The city aims to expand the scale of green credit, with green loans currently accounting for 33.9% of total loans, surpassing the national average by nearly 20 percentage points [2]. Group 2: Ecological Product Value Assessment - Huzhou has established the first local-specific VEP accounting standards in the country, which will serve as a basis for green finance credit and ecological benefit evaluations [1][2]. - The city has conducted VEP accounting for 179 projects, with a total ecological value exceeding 8 billion yuan [3]. Group 3: Industrial and Ecological Transformation - Over the past 20 years, energy consumption per unit of GDP in Huzhou has decreased by approximately 48%, with high-tech industries projected to account for 69.3% of industrial output by 2024 [2]. - Huzhou is a pilot city for the national ecological product value realization mechanism, focusing on enhancing ecological product accounting and monitoring systems [3].

Core Insights - The signing ceremony in Hekou County's Zhaomao Town marked a significant financial innovation where seven tea companies secured 15.2 million yuan in unsecured loans based on ecological credit, demonstrating a breakthrough in the ecological value transformation mechanism in Hubei Province [1][2] Group 1: Financial Innovation - The "Ecological Loan" initiative allows expected ecological product revenues to serve as a basis for loans, facilitating the transformation of ecological product value and injecting new vitality into rural revitalization [2] - The loans are primarily used for paying tea farmers for fresh leaves, utilizing organic fertilizers, and installing energy-saving equipment, which is projected to directly increase the tea industry's value by nearly 1 billion yuan [2] Group 2: Ecological Value Accounting - The GEP (Gross Ecosystem Product) accounting report for Zhaomao Town indicates a total ecological value of 14.679 billion yuan, encompassing various services such as water conservation and carbon sequestration [1] - The GEP accounting consists of three components: material supply value, regulatory service value, and cultural service value, which are essential for assetizing ecological resources [1] Group 3: Policy and Development - Hekou County is developing local standards for GEP accounting and planning to establish an ecological product trading center to promote the conversion of ecological value into economic and social value [3] - The practice in Zhaomao serves as a replicable model for the ecological compensation mechanism along the Yangtze River Economic Belt, indicating a shift in development concepts [3]