Core Insights - Shandong is promoting a green transformation with a focus on high-quality development, supported by green finance as a key driver [1][8] - By the end of 2024, the province's green loan balance is expected to reach 2.2 trillion yuan, with a year-on-year growth rate exceeding 30% [1][9] Green Financial Services - Qilu Bank is actively breaking down barriers between traditional finance and green industries by offering tailored financial services to meet diverse needs [2][3] - The bank has introduced innovative products like "Carbon-linked Loans" that provide favorable terms based on a company's carbon performance, exemplified by a 10 million yuan loan to Qingguo Food Co. [2][5] - The bank's green financial services extend to personal consumption, including green mortgages and financing for electric vehicles [3][4] Local Innovation in Green Finance - Qilu Bank has developed localized financial products to address the unique challenges of Shandong's traditional manufacturing sector, such as the "Sustainable Development-linked Loans" [5][6] - These loans tie interest rates to sustainability performance metrics, incentivizing companies to reduce emissions and improve resource efficiency [7][8] Building a Green Financial Ecosystem - Qilu Bank is committed to establishing a comprehensive green financial ecosystem, integrating strategic planning, organizational structure, and risk management [8][9] - The bank has set clear targets for green loan growth and has implemented an ESG risk rating system to evaluate environmental and social responsibilities during the loan approval process [8][9] Performance and Recognition - As of mid-2025, Qilu Bank's green loan balance exceeded 43.6 billion yuan, with a growth rate surpassing 30% [9] - The bank has received multiple accolades for its green finance initiatives, including recognition as a top green financial institution in Shandong [9]

"临碳贷"业务模式是基于绿色低碳企业白名单和碳评级（碳信用）报告，对绿色和低碳绩效评价表现优 异的企业，在贷款利率、期限、额度等方面给予差异化优惠，为企业减污降碳贡献精细化"定价"，精准 支持企业绿色低碳转型，助力金融机构增强绿色金融服务能力及风险防范能力。 未来，齐鲁银行临沂分行将大力依托"临碳贷"业务，深化与绿色低碳企业的合作，以更灵活的金融产 品，提升绿色金融服务能力和质效，支持全市经济社会发展绿色转型。 山东青果食品有限公司是临沂一家以蔬菜种植、加工、出口于一体的省级农业产业化重点民营龙头企 业。近日，企业在齐鲁银行申请贷款用于"高品质蔬菜全程绿色高效生产关键技术研发与产业化项目购 买毛豆"。齐鲁银行得知企业的融资需求与贷款用途后，联想到刚刚推出的"临碳贷"业务，立即联系企 业授权出具"碳评级报告"，积极为企业申请"临碳贷"。根据"碳评级报告"显示，该企业是双碳时代下可 进步转型的企业。最终，齐鲁银行临沂分行参考该"碳评级报告"，向企业传达了银行鼓励企业节能减 排，为节能减排企业开通融资绿色通道的审批导向，并参考"碳评级报告"的评分结果，拿到金融机构优 惠利率的贷款。 近日，齐鲁银行临沂分行参考"碳评 ...

2018年7月，习近平总书记对实施乡村振兴战略作出重要指示，强调要坚持以实干促振兴，遵循乡 村发展规律，规划先行，分类推进，加大投入，扎实苦干，推动乡村振兴不断取得新成效。在临沂市普 惠金融服务乡村振兴改革试验中，"探索试点金融参与村庄规划"成为首项改革重点任务。中国人民银行 临沂市分行党委书记、行长王剑介绍，2021年起，临沂市启动了精品村庄规划实施工程，创新"金融 +规划+土地"融合发展模式，中国人民银行临沂市分行、市自然资源和规划局等有关部门建立金融参与 村庄规划专项协调机制，探索成立了熟悉信贷政策、产业政策、项目投融资规划、村庄规划等专业知识 的金融规划服务团队。充分发挥金融在参与村庄现状调研、规划编制、建设实施的全周期支持作用，聚 焦村庄规划项目建设中的融资缺口问题，由金融机构提供融资规划辅导、信贷支持和金融服务，探索出 美丽宜居、产业园区、红色文化、生态旅游"四个模式"。东高庄红色片区正是红色文化模式中的精品村 庄。截至目前，该项目已通过沂南农商银行融资1000万元，另外，东高庄村获得乡村振兴贷款1502万 元。 临沂市自然资源和规划局详细规划科科长张海东表示，东高庄红色百千工程示范片区辖12个村 ...