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绿色信贷增速超24%,县域金融覆盖超千镇!看广东金融如何协同赋能高质量发展
Nan Fang Nong Cun Bao· 2026-01-16 10:31
Core Viewpoint - Guangdong's green loans have maintained a rapid growth rate of 24.2% year-on-year by the end of 2025, significantly outpacing the growth of other types of loans, indicating a strong focus on green finance in the region [3][21][31]. Financial Growth and Support - By the end of 2025, the balance of green loans in Guangdong reached 533.9 billion yuan, with an annual increase of 81.9 billion yuan, showcasing the effectiveness of financial institutions in supporting green initiatives [27][31]. - The People's Bank of China Guangdong Branch has implemented structural monetary policy tools to guide financial resources towards green projects, resulting in a cumulative investment of 612 billion yuan, which has stimulated local banks to increase credit in related fields by 333.9 billion yuan [15][16]. Collaborative Financial Ecosystem - Financial institutions in Guangdong, including Agricultural Bank and Postal Savings Bank, have established a collaborative network to enhance support for green and rural revitalization projects, with a focus on integrating resources and providing comprehensive services [20][21][56]. - The establishment of "Green Guangdong Financial Service Centers" by Agricultural Bank aims to provide tailored financing and advisory services for urban and rural development projects [23][25]. Innovation in Financial Services - Financial institutions have introduced innovative financial products and services to address the unique challenges faced by green industries, such as customized credit assessments and financing solutions for environmentally friendly projects [38][40]. - The Postal Savings Bank has developed a credit assessment model to support green technology enterprises, addressing their financing difficulties [30]. Environmental and Social Governance - Financial institutions are increasingly focusing on environmental and social risk management, conducting extensive ESG assessments to ensure the quality of green assets [86][89]. - The shift towards "ecological value finance" reflects a broader commitment to not only support green industries but also to directly contribute to ecological restoration and protection efforts [82][83]. Rural and Community Development - Financial services have been extended to rural areas through a comprehensive network, with Agricultural Bank covering 1,127 towns and villages, facilitating access to financial resources for local communities [56][57]. - Innovative rural financial products, such as "Rural Housing Credit Loans," have been introduced to help farmers overcome collateral challenges, demonstrating a commitment to rural revitalization [68]. Future Outlook - The financial sector in Guangdong is expected to continue deepening its collaborative efforts, enhancing policy guidance, and innovating financial products to support green development and rural revitalization in the upcoming "15th Five-Year Plan" [102][104].