勇探金融创新，激活低碳转型新动能。该行将企业碳账户作为落实"双碳"战略的核心抓手，有效促 进碳汇资源向金融资源的转化，加速转型金融落地实践。率先落地多项创新产品，包括省内首笔"农业 转型+可持续挂钩"贷款、分行首笔碳账户优惠贷款、可持续挂钩贷款以及可再生能源补贴确权贷款 等，累计实现信贷投放8400万元。同时，创新定价机制，依据企业碳排放表现实施差异化、引导性的优 惠利率政策，有效降低了绿色转型企业的融资成本，激发企业内生减排动力。 践行大行担当，共筑青藏生态安全屏障。该行始终将经济责任与社会责任有机统一，争做生态文明 建设的坚定守护者和积极贡献者。深度参与生态保护修复，与三江源生态保护基金会战略合作，捐资建 设"中国工商银行黄河上游千亩经济生态公益林项目"，2022年至2024年共完成造林430余亩，栽植苗木 3.6万余株，为筑牢黄河上游及青藏高原生态屏障添绿增彩。创新设计发行"大美青海·三江源"贵金属产 品，加大文化宣传力度、提升环保意识，实现公益价值与金融价值的融合互促。积极组织员工参与"一 元钱一滴水 爱我三江源""我为高原种棵树""饮水思源·探秘三江源"系列公益活动，营造守护"中华水 塔"的浓厚社会 ...

Core Viewpoint - Under the guidance of carbon peak and carbon neutrality policy goals, ESG (Environmental, Social, and Governance) has become a "must-answer question" for financial institutions, with banks increasingly focusing on green finance to promote the real economy [1] ESG Disclosure - State-owned large banks have released more comprehensive and standardized ESG reports this year, with six major state-owned banks publishing their 2021 annual and ESG reports during the reporting season [1] - Bank of China has published its ESG report for the 15th consecutive year, including 146 ESG evaluation indicators, an increase of 54 from the previous year [2] - China Construction Bank has also been active in social responsibility reporting, achieving positive results in poverty alleviation and supporting small and micro enterprises [2] - Agricultural Bank of China has established a strategic planning and sustainable development committee to enhance its green finance business [3] - Industrial and Commercial Bank of China has focused on supporting green low-carbon industries and has implemented an environmental risk management system [3] - Many city commercial banks and rural commercial banks have also begun to release their first ESG reports, indicating a growing emphasis on ESG practices across the banking sector [4] Green Product Innovation - State-owned banks have made significant progress in diversifying green financial products and services, with Bank of China launching over 40 green financial products across 15 areas [5] - Innovative credit products like renewable energy subsidy loans have been introduced, with China Construction Bank successfully providing a low-cost green loan to a renewable energy company [6] - Agricultural Bank of China has launched a carbon service system, becoming the first major commercial bank to connect with the national carbon trading system [6] - The issuance of green financial bonds has also seen significant growth, with Industrial and Commercial Bank of China issuing the first carbon-neutral green financial bond in the domestic market [7] Transition Finance - Despite the growth of green financial products, there remains a gap between supply and investor demand, particularly for renewable energy and low-carbon transportation investments [9] - Transition finance is emerging as a key area of focus, with banks encouraged to support high-carbon industries in their transition to greener practices [9][10] - The establishment of a unified regulatory framework for green finance is deemed essential for attracting mature investors and products to the market [11]

Core Viewpoint - The People's Bank of China Shenzhen Branch and the State Administration of Foreign Exchange Shenzhen Branch held a press conference to discuss the financial performance of Shenzhen and the progress in the "Five Major Financial Articles" including technology finance, green finance, inclusive finance, digital finance, and cross-border finance [2] Group 1: Technology Finance - As of the end of Q1, the loan balance for technology enterprises in Shenzhen reached 1.23 trillion yuan, showcasing significant support for technological innovation [2] - The "Technology Startup Loan" program helped 2,516 enterprises secure loans totaling 2.75 billion yuan, while the "Tengfei Loan" model provided 2.45 billion yuan to 82 enterprises [2][3] - China Merchants Bank reported serving over 160,000 technology enterprises with a loan scale nearing 600 billion yuan, with over 20,000 of these enterprises located in Shenzhen [3] Group 2: Green Finance - Shenzhen's commercial banks issued carbon reduction loans amounting to 18 billion yuan by the end of Q1, reflecting the city's leadership in green finance [4][5] - Agricultural Bank of China Shenzhen Branch reported a green loan balance exceeding 130 billion yuan, with the proportion of green loans rising from 3% in 2019 to 18% [5] Group 3: Inclusive Finance - The "Individual Loan" and "Small Micro Loan" products served over 110,000 small and micro enterprises and individual businesses, providing nearly 2 billion yuan in credit [5][6] - Shenzhen Rural Commercial Bank has played a crucial role in inclusive finance, with a loan balance for technology enterprises exceeding 30 billion yuan, marking a 25% year-on-year increase [3][6] Group 4: Digital Finance - Shenzhen has launched 15 financial technology innovation applications, enhancing the efficiency of financial services [7] - The local credit platform has facilitated financing of 539 billion yuan for enterprises, with 87% of this being credit loans [7] Group 5: Cross-Border Finance - The "Cross-Border Wealth Management Connect" 2.0 has led to the addition of 27,000 personal investors in Shenzhen banks, with cross-border transactions totaling 42 billion yuan [8] - By the end of March, over 1,500 enterprises in Shenzhen benefited from cross-border trade investment facilitation policies, with a business scale exceeding 140 billion USD [8] Group 6: Payment Services for Foreign Nationals - As of March 2025, over 400,000 Hong Kong residents have been assisted in opening accounts through the agent witnessing service [9] - Shenzhen has optimized payment services for foreign nationals, with over 44,000 merchants accepting foreign cards and 4,156 ATMs supporting foreign card withdrawals [9][10]