今年以来，针对节水企业因传统抵押物不足而出现的融资难题，自治区水利厅依托自治区节水产业 联盟交流协作平台，协同有关金融机构进一步建立健全融资服务体系、明确金融支持措施，着力构 建"政银企"高效联动机制。针对本次"取水贷"融资项目，创新运用了"取水权质押+双边登记"的融资模 式，组织属地水行政部门对节水企业取水权进行全要素评估，将企业持有的9.698万立方米取水权纳入 质押范围，通过取水许可证增信评估，赋予水资源这一无形资产融资属性，有效破解企业融资难题。 "取水贷"即企业以取水权为质押，无需传统抵押物即可获得贷款，让"无形"水权转化为"有形"资 本。"取水贷"融资是深化水利投融资改革的具体举措，不仅能有效破解小微企业融资难题，还能成为撬 动水资源经济高质量发展的新杠杆。 该笔业务是我区对"水权"这一无形资产的又一金融创新探索，主要由中国银行内蒙古分行向内蒙古 云露水业有限责任公司发放700万元贷款，精准支持其年产2万吨高端矿泉水项目。 记者从自治区水利厅获悉，6月25日，内蒙古首笔"取水贷"在兴安盟阿尔山市落地，标志着我区在 绿色金融赋能水资源高效利用方面迈出关键一步。 记者了解到，自治区水利厅将持续探索"水 ...

《方案》按照六大类16种典型模式开展试点，包括以水生态产品价值实现、水权交易为主的直接交易模 式；以水域经营权转让、林木资源经营权转让等为主的特许经营模式；以取水贷、节水贷等为主的绿色 金融模式；以股权转让、增资扩股等为主的股权融资模式；以资产支持证券、资产支持票据等为主的资 产证券化模式；以政策性金融支持、融资租赁等为主的其他融资模式。 经省政府同意，省水利厅于近日印发《湖北省推进水资源水工程资产化改革试点方案》（以下简称《方 案》），通过系列创新举措，盘活"水家底"、筑牢中部崛起水支撑，推动"水优势"向"经济优势""生态 优势"深度转化。 湖北水资源丰富，水利工程体系完善。《方案》以"资源资产化、资产证券化、资金杠杆化" 为主线， 分三大部分系统布局改革任务：全面摸清"三资"底数，按照"全领域、全口径、全覆盖"的要求，全面清 查水利资源、资产、资金，重点梳理可盘活资源，核实数据真实性；在明晰权属关系并科学评估市场价 值的基础上，遵循"能用则用、不用则售、不售则租、能融则融"原则，创新资源资产转化路径，推进资 源资产化，推广资产证券化，推动资金杠杆化；建立动态智能的"三资"管理体系，形成"成熟一批、转 化一 ...

Core Insights - The People's Bank of China Nanjing Branch is actively exploring a new financing model using water rights permits as collateral to support green finance and the realization of water ecological product values [1][2] Group 1: Financial Innovations - The Nanjing Branch has successfully guided the issuance of the first corporate loan of 20 million yuan and the first project loan of 128 million yuan in the province, marking a significant step in broadening the pathways for realizing ecological product values [1][2] - A new financing model has been established that combines "water rights as collateral" with dual registration, facilitating market pricing and circulation of water ecological product rights [1][3] Group 2: Strategic Collaborations - The Nanjing Branch has facilitated a strategic cooperation framework agreement between Agricultural Development Bank and Nanjing Water Group to deepen "water rights loan" business collaboration [3] - The Agricultural Development Bank has successfully issued a "water rights loan" of 128 million yuan for the second phase of the water supply system project in Wuyishan New District, utilizing water rights permits as collateral [3] Group 3: Market Expansion - There are currently 1,647 water rights permits in the Nanjing jurisdiction, with most of their financial attributes remaining dormant [4] - The Nanjing Branch plans to awaken these dormant water resources by providing a "white list" of enterprises with water rights permits to local financial institutions, promoting one-on-one services and policy interpretations [4] - Future explorations will include "water rights+" financing models to inject green financial resources into the high-quality development of Nanjing's economy [4]

Core Viewpoint - Small and micro enterprises are crucial to the national economy, playing a significant role in promoting economic growth and stabilizing employment. Guangdong Nanhong Rural Commercial Bank is addressing the financing challenges faced by these enterprises through targeted initiatives like the "Thousand Enterprises and Ten Thousand Households" outreach program [1][2]. Group 1: Financial Support Initiatives - Nanhong Rural Commercial Bank has conducted visits to 314 enterprises, providing a total credit amount of 1.882 billion yuan and a loan balance of 1.972 billion yuan for small and micro enterprises as of the end of April [1]. - The bank has implemented a comprehensive outreach program to assess the operational conditions and financing needs of small and micro enterprises, resulting in visits to 941 enterprises this year [2]. Group 2: Collaborative Mechanisms - The bank has established a platform for cooperation among government, industrial parks, and enterprises to facilitate financial services, enhancing the effectiveness of the "Thousand Enterprises and Ten Thousand Households" initiative [3]. - A partnership agreement was signed with the Nanhong City Federation of Industry and Commerce, allowing for a pre-approval credit line of 3.2 billion yuan to support private enterprises [3]. Group 3: Tailored Financial Products - Nanhong Rural Commercial Bank has developed customized financial service plans based on the specific needs of enterprises, including a loan of 3 million yuan with an 8-year term for a high-tech energy company facing funding shortages [4]. - The bank has introduced various specialized credit products such as "Park Development Loan," "Inclusive Micro Loan," and "Water Extraction Loan" to better meet the financing needs of small and micro enterprises [4].