构建多元绿色金融产品矩阵 厦门农商银行立足厦门"海洋强市""绿色低碳城市"建设定位，紧扣福建省绿色产业发展规划，设立绿色产业专项 信贷额度，重点聚焦生态农业、海洋碳汇、新能源、节能环保、绿色建筑、固废资源化等核心领域。针对中小微 绿色企业融资"短、频、急、缺抵押"痛点，该行简化实物抵押要求，提供较标准利率下浮15%以上的优惠，并开 通绿色审批通道。该行通过联合现代农业协会、厦门火炬高新区管委会等机构，建立优质绿色企业白名单，定期 开展绿色金融进园区、银企对接会等活动，为企业提供定制化融资方案。截至目前，该行已为厦门辖内200余家绿 色企业提供融资支持超27亿元。 在夯实基础绿色金融服务的同时，厦门农商银行持续深化产品创新，构建了覆盖企业全生命周期与个人绿色消费 的多元化产品矩阵。该行构建了"债权+股权+中间业务"多元化绿色产品体系：债权类新增乡村振兴碳汇贷，可接 受碳排放权、用能权、林权、海洋碳汇等环境权益作为抵质押；股权类尝试与多方联合设立碳中和产业基金；同 时为企业提供绿色票据贴现、ESG报告编制等增值服务；针对个人客户，推出绿色家装贷、新能源汽车贷等消费 金融产品，助力居民绿色消费升级。 厦门农商银行助 ...

Core Viewpoint - Green finance is a core engine for achieving carbon peak and carbon neutrality strategies, and it is crucial for promoting the green transformation of the economic structure [1] Group 1: Green Credit Growth - Guangfa Bank has focused on building a policy framework to support green development, resulting in a significant increase in green credit. By the end of 2024, the bank's green credit balance exceeded 200 billion yuan, with an increase of over 42% compared to the beginning of the year, indicating healthy and sustainable business growth [2] Group 2: Green Product System Development - The bank has innovated its product offerings to meet diverse industry needs, expanding beyond traditional green credit to include green bond underwriting, green investment, and green consumption products. The green consumption loan balance reached 11.2 billion yuan, showing a year-on-year growth of approximately 92% [3] Group 3: Organizational Management and Achievements - Guangfa Bank has strengthened its green operations and management, promoting energy conservation and efficiency. The bank participated in tree planting activities and received recognition as an "Advanced Unit in Green Evaluation" by financial regulatory authorities. It also completed the construction of its first "zero-carbon outlet" and received multiple awards for its contributions to green finance [4]