新华财经长沙12月19日电（记者常竣斐）中国人民银行湖南省分行17日召开2025年湖南省绿色金融专题 新闻发布会。从发布会上获悉，截至2025年三季度末，湖南省绿色贷款余额突破1.3万亿元，较年初增 长21.1%，高于全国平均水平3.6个百分点。大力推进环境权益抵押融资、探索创新转型金融产品、以试 点形式寻找差异化发展路径……一套具有湖南特色的绿色金融方法论正逐渐构建完成。 目前，已为11家重点企业建立碳账户，推动金融机构创新推出"绿铸贷""精铸贷"等碳减排挂钩金融产 品，将企业碳排放表现与贷款利率挂钩。截至11月末，相关产品授信总额5280万元，实际投放3380万 元，有效助力企业降本增效。 "湖南在下一阶段的工作中，将试点推广农业、煤电、钢铁、建筑建材领域全国性转型金融标准。"中国 人民银行湖南省分行金融研究处副处长李文政称。 作为可持续发展议程创新示范区，郴州市是湖南探索绿色金融的重要试点城市，也是湖南省的重要水源 地和"湘江源头"，水资源禀赋优越。除了嘉禾县铸锻造产业外，中国人民银行郴州市分行还聚焦"水资 源可持续利用与绿色发展"主题，明确"取水权"融资价值评估、质押登记机制，盘活当地丰富的水利资 源 ...

签约当天，中国人民银行陕西省分行、省水利厅、陕西水务发展集团有限公司签订"取水贷、节水 贷"战略合作协议，将持续深化合作，助力水生态产品价值实现，推动水资源节约保护、优化配置和高 效利用。 今年以来，省水利厅加快健全用水权交易制度体系，修订《陕西省水权交易管理办法》，印发《陕 西省用水权收储管理办法（试行）》等文件，全省"收储—交易—金融"三位一体的用水权管理制度体系 日趋完善。 "我们将继续探索'市场培育+交易撮合+服务支撑'全链条服务模式，积极推动用水权交易落地。"省 水利厅相关负责人说。（记者：徐颖） 3宗用水权交易分别为：定边县水资源服务中心与中国石油天然气股份有限公司长庆油田分公司第 五采油厂的用水权交易，是陕西首单采用"无偿收储+有偿配置"模式进行的用水权交易，为全省开展用 水权收储和交易提供了可复制、可推广的经验；渭南市港口抽黄工程管理中心与潼关县雄关水务发展有 限责任公司进行的跨行业用水权交易续签；勉县汉惠渠灌溉服务中心与汉中锌业有限责任公司进行的用 水权交易，构建起"农业节水—集约利用—跨行调配—供水保障"长效机制，走出了一条水资源高效利 用、水安全有效保障的集约节约发展之路。 12月15日 ...

图为中国水权交易所陕西省交易服务中心成立。阿琳娜 摄 今年，陕西省水利厅加快健全用水权交易制度体系，修订《陕西省水权交易管理办法》，印发《陕 西省用水权收储管理办法(试行)》，联合金融机构印发《陕西省取水权抵(质)押融资业务指南(试行)》 《关于进一步在全省推广"节水贷"融资服务工作的通知》，"收储-交易-金融"三位一体的用水权管理制 度体系日趋完善。筹建中国水权交易所陕西省交易服务中心，探索"市场培育+交易撮合+服务支撑"全 链条服务模式，积极推动用水权交易落地实施。 中新网西安12月12日电 (记者 阿琳娜)中国水权交易所陕西省交易服务中心12日在西安揭牌成立， 成为全国第三个、西北地区首个区域水权交易平台。当日同步完成3宗用水权交易集中签约，以及"取水 贷、节水贷"战略合作协议签订，标志着陕西省水资源市场化配置迈出关键一步。 当天，首批3宗用水权交易在陕西省交易服务中心达成，共新增交易水量503万立方米，交易金额合 计282.2万元。定边县水资源服务中心与长庆油田公司第五采油厂的水权交易，为陕西省首单采用"无偿 收储+有偿配置"模式的用水权交易，为全省开展用水权收储和交易提供了可复制、可推广的经验。渭 ...

转自：新华财经 中国银行内蒙古分行聚焦小微科创企业，不断优化服务模式，以更实金融举措助力内蒙古自治区经济高 质量发展。 聚焦重点领域 聚力科创金融 围绕制造业、科技创新、绿色转型及内蒙古自治区8大特色产业集群，创新产品和服务，中国银行内蒙 古分行为科创企业提供精准金融支持，助力区域经济高质量发展。加大"科创贷""知惠贷"等线上产品推 广力度，并优化线下《科创企业专项授信服务方案》，对专精特新、高新技术、科技型中小企业分层提 供300万至1000万元信用贷款额度，贷款期限最长三年；下发科创企业清单，逐户对接营销，截至2025 年11月末，已贷款支持小微科创企业500户，贷款余额30.18亿元，较年初新增98户、4.59亿元，科创企 业授信覆盖率提升2.25个百分点。 聚焦产品创新 聚力特色金融服务方案 某高端装备制造企业，是一家专精特新"小巨人"企业，由于产能扩张关键期，亟需资金支持生产线建 设。面对科技型企业轻资产、高风险、高成长性特点，该行突破传统抵押思维，创新授信模式，对该企 业实施纯信用贷款发放，采取差异化风控措施-创始人连带担保，即借款人实际控制人及其配偶、股东 及其配偶提供个人连带责任保证担保。最终 ...

尽管成效初显，生态产品价值实现仍面临诸多挑战。多位专家指出，核算体系不统一是当前最突出的问 题。中国人民大学生态文明研究院副院长、生态环境学院教授曾贤刚直言，当前GEP核算存在随意性 大、科学性不足的问题，核算结果往往停留在宣传或考核层面，与具体的项目融资、交易关联性不强， 实用性有待提高。自然资源部第一海洋研究所研究员陈尚也指出，核算参数在本地化、标准化方面有所 欠缺，导致结果难以横向比较和实际应用。 产权界定不清是另一大瓶颈。曾贤刚以"小产权房"为例，说明产权不完整将严重制约资产价值实现。他 指出，生态产品是一种资产，资产必须具有清晰的产权特征，包括所有权、使用权、经营权、流转权、 抵押权等。而生态资源多属于公共产品或集体所有，产权边界模糊、流转受限，导致难以进行市场化交 易和金融赋能。 此外，价值转化路径单一、金融支持不足、产业同质化严重等问题也屡被提及。南京农业大学土地管理 学院副教授陶宇指出，当前生态产品开发多集中于农产品与乡村旅游，缺乏差异化与系统化布局。中节 能生态产品发展研究中心有限公司生态产品部主任助理、研究专班负责人于涛也持同样观点："若大家 都去做农家乐、卖特产，很快就会供给过剩，导致效 ...

Group 1: Ecological Asset Transformation - The village of Dayuan in Ya'an has successfully transferred the management rights of 100 acres of land for 296,000 yuan, marking the first transaction of ecological product value transformation in the region [1] - The concept of "Green Mountains and Clear Water are Golden Mountains and Silver Mountains" has been implemented for 20 years, leading to innovative paths for ecological product value realization, including water rights trading and carbon sink trading [1][5] - The establishment of the first provincial water rights trading service center in Sichuan has facilitated significant water rights transactions, including a notable cross-provincial water rights transfer [5][6] Group 2: Water Resource Management and Improvement - Sichuan province has implemented a "river chief system" to enhance the management and ecological condition of rivers and lakes, resulting in a 100% compliance rate for water quality in national monitoring sections for two consecutive years [4] - The improvement of water quality in rural areas has led to increased tourism and economic benefits for local communities, as seen in Xixiang Village, which has developed numerous agritourism projects [2][4] - The province has completed 1,438 water rights transactions, totaling over 1.9 billion cubic meters of water, indicating a growing market for water as a tradable ecological asset [6][7] Group 3: Financial Innovations in Water Conservation - The introduction of "water-saving loans" and "water rights loans" has provided significant financing for water conservation projects, with a total of 16.98 billion yuan raised for various initiatives [11][12] - The financial products aim to support water-saving infrastructure, technology upgrades, and rural water supply improvements, promoting efficient water resource utilization [12] - The marketization of water rights and the establishment of a trading platform have encouraged enterprises to adopt water-saving practices, turning conservation efforts into financial gains [5][6]

Group 1 - The signing ceremony organized by the Sichuan Provincial Water Resources Department resulted in the financing of 1.698 billion yuan through four agreements related to "water-saving loans" and "water extraction loans" [1][3] - "Water-saving loans" are tailored green financial credit products aimed at providing specialized financing services for water supply units, water-saving service enterprises, and water conservancy construction investment entities [3] - "Water extraction loans" utilize water extraction rights as collateral and are primarily applied in rural water conservancy construction and the upgrading of water-saving industries [3] Group 2 - The China Agricultural Development Bank's branches in Deyang and Bazhong completed three "water-saving loan" financing services totaling 1.645 billion yuan, mainly for improving water supply in villages and towns, as well as for water plant construction and pipeline renovation [3] - The Industrial and Commercial Bank of China’s branch in Guangyuan reached an agreement for one "water extraction loan" worth 53 million yuan, intended for industrial water plant project construction [3] - The Sichuan Provincial Water Resources Department emphasized that the financial products "water-saving loans" and "water extraction loans" have been continuously enriched and expanded, playing a crucial role in supporting the growth of the water-saving industry and promoting the efficient use of water resources [3]

Group 1 - The signing ceremony organized by the Sichuan Provincial Water Resources Department resulted in the financing of 1.698 billion yuan through four agreements related to "Water Saving Loans" and "Water Extraction Loans" [3] - "Water Saving Loans" are tailored green financial credit products aimed at providing specialized financing services for water supply units, water-saving service enterprises, and water conservancy construction investment entities [3] - "Water Extraction Loans" utilize water extraction rights as collateral and are primarily applied in rural water conservancy construction and water-saving industry upgrades [3] Group 2 - The China Agricultural Development Bank's branches in Deyang and Bazhong completed three "Water Saving Loan" financing services totaling 1.645 billion yuan, mainly for improving village water supply, water plant construction, and pipeline renovation [3] - The Industrial and Commercial Bank of China’s branch in Guangyuan reached an agreement for a "Water Extraction Loan" of 53 million yuan, primarily for industrial water plant project construction [3] - The Sichuan Provincial Water Resources Department emphasized that the expansion of "Water Saving Loans" and "Water Extraction Loans" plays a crucial role in supporting the growth of the water-saving industry and promoting the efficient use of water resources [3] Group 3 - "Water Saving Loans" support projects including the construction of water-saving infrastructure, technological upgrades for water efficiency, unconventional water development, leakage control in supply networks, contract water savings, and the management of water-saving facilities [4] - The financial products aim to enhance the role of financial elements in improving the conservation and efficient utilization of water resources [4]

Group 1 - The article highlights the transformation of Yucun village in Zhejiang, which shifted from a polluted area relying on stone sales to a thriving eco-tourism destination, embodying the "Two Mountains" theory proposed by Xi Jinping 20 years ago [2][3] - The village's collective income has significantly increased, with an expected 11 million tourists in 2024 and an average collective operating income of 2.54 million yuan per village [3] - The financial support from Agricultural Bank of China has been crucial in facilitating this transformation, marking the issuance of the first rural tourism project loan in the country [3] Group 2 - In Ningxia, the introduction of "Goji Berry Loans" by China Bank has enabled local farmers to expand their goji berry cultivation, contributing to ecological restoration and economic growth [4] - Agricultural Bank of Zhejiang has also launched "Reed Loans" to support local farmers in upgrading their production capabilities, demonstrating the role of innovative financial products in promoting green development [5] Group 3 - The National Development Bank has provided 270 million yuan in loans for ecological restoration projects along the Fenghe River in Xi'an, enhancing wastewater treatment capabilities and improving local environmental conditions [6] - The arrival of the endangered bird species, the crested ibis, in Hunan has led to increased rice prices, showcasing the economic benefits of maintaining a healthy ecosystem [7] Group 4 - The introduction of a heavy-duty electric truck replacement program in Tangshan, supported by the National Development Bank with an 88.05 million yuan loan, aims to reduce carbon emissions and improve clean transportation [8] - The Shanghai Municipal Financial Office has implemented a financial directory to support the transformation of the water transport industry, with the first methanol dual-fuel vessel loan issued by the Bank of Communications [9][10]

Core Points - The establishment of the Sichuan Provincial Water Rights Trading Platform marks a significant step in the development of water rights trading in China, being the first provincial platform based on the national water rights trading platform [1][6] - The platform aims to optimize water resource allocation and promote water conservation and efficient use in Sichuan Province [6][7] Group 1: Platform Establishment - The Sichuan Provincial Water Rights Trading Service Center was officially unveiled, created in collaboration with the China Water Rights Exchange and Sichuan Water Development Group [1][2] - The platform includes the signing of membership agreements with four entities, establishing regional trading service windows in multiple locations [2] Group 2: Initial Transactions - The first batch of water rights transactions involved a total of 8,945 million cubic meters of water, with a total transaction value of 7.44 million yuan [2] - A notable transaction was the first large-scale inter-regional water rights trade in Sichuan, involving 7,965 million cubic meters over five years [2] Group 3: Financing Agreements - The event also included the signing of four "Water Borrowing Loans" and "Water Conservation Loans," with a total loan amount exceeding 1.64 billion yuan [6] - The loans are primarily aimed at improving water supply quality and efficiency, as well as water plant construction and pipeline renovation [6] Group 4: Future Plans - Sichuan's water authority plans to continue promoting reform and innovation, aiming for high standards in service and market demand [7] - The goal is to cultivate a robust water rights trading market while ensuring risk management and stability in the market [7]