构建绿色价值共同体 上海农商银行在绿色发展的浪潮中，展现出敏锐的时代洞察与坚定的长期主义。 2016年，该行荣获"十二五"上海市节能服务绿色金融支持奖，但彼时绿金探索尚未系统化。到2020年， 随着"碳达峰碳中和"走进公众视野，国家明确"双碳"工作的时间表、路线图，上海农商银行找准绿色金 融发展的航标，全面启航。 上海农商银行将深耕本土的丰富经验，与绿色金融、ESG理念深度融合，在绿色金融子领域、多行业积 极探索，创造超越金融本身的社会与生态价值。 赋能乡村绿色振兴，以"渔光互补"项目为锚点，该行支持绿色能源与生态养殖融合，实现年减排二氧化 碳数万吨，打造美丽乡村样本；支持崇明"绿色农业示范基地"，整合有机种植、乡村旅游与土地治理， 推动生态宜居与共同富裕。 该行创新绿色金融工具，落地全国首单化工行业转型金融贷款、全国首笔CCER未来收益权质押贷款、 上海首批气候投融资项目、上海首笔取水权质押贷款等，引领产业绿色转型；推出"乡村生态贷""植物 新品种权质押贷款"等ESG特色产品，满足乡村生态环境修复、绿色减碳治理等综合金融需求。 在长三角，既有绿水青山的"绿色生态"，亦有澎湃不息的"创新生态"，更有三省一市握 ...

Core Viewpoint - The article emphasizes the transformation of Shanghai Rural Commercial Bank into a key player in green finance, aligning with national strategies for carbon neutrality and regional integration in the Yangtze River Delta, while fostering innovation and collaboration across various sectors [1][2][4]. Green Finance Development - Shanghai Rural Commercial Bank has established a comprehensive green finance system, integrating top-level design and organizational structure into its strategic development plan, aiming to become the most environmentally friendly bank in the Yangtze River Delta [2]. - The bank has initiated a green finance business management system, utilizing big data for intelligent identification of green projects and precise assessment of environmental benefits [2]. - By the end of Q1 2025, the bank's green financing scale is expected to exceed 1.2 trillion yuan, with an annual compound growth rate of over 60% in green credit over the past three years, leading the national rural financial institutions [3]. Value Co-Creation - The bank actively integrates local experience with green finance and ESG principles, supporting rural green revitalization projects that significantly reduce carbon emissions and promote sustainable agriculture [3]. - Innovative green financial products have been launched, including the first chemical industry transformation loan and various ESG-focused loans, addressing comprehensive financial needs for ecological restoration and green carbon reduction [3]. Collaborative Ecosystem - Shanghai Rural Commercial Bank has signed the UNEP FI's Responsible Banking Principles, launching the "Green Xin Tong Zhou" brand to promote a collaborative approach to sustainable development [4]. - The bank's "Xin Ecosystem" initiative aims to create a collaborative financial ecosystem by integrating various stakeholders, enhancing resource allocation, and addressing climate and ecological challenges [4][10]. Innovation in Technology Finance - The bank has developed a comprehensive support system for technology enterprises, providing loans to nearly 4,500 tech firms, with a total loan amount exceeding 1.2 trillion yuan, significantly supporting small and medium-sized enterprises [8][9]. - The "Xin Dong Neng" strategy has evolved to offer a full-cycle, multi-dimensional service model, enhancing collaboration with government and financial institutions to foster innovation [9][10]. Regional Integration - Shanghai Rural Commercial Bank has taken significant steps in regional integration by establishing branches in the Yangtze River Delta and investing in local banks, aligning with national development strategies [11][12]. - The bank's subsidiary, Changjiang United Financial Leasing, focuses on modern manufacturing and green leasing, contributing to the development of a modern industrial system [12].