近日，在人民银行黑龙江省分行、黑龙江省林业和草原局及相关政府部门的指导下，哈尔滨银行牡丹江分行成功落地黑龙江省首笔"龙江绿碳质押贷款"项 目。哈尔滨银行总分支三级联动，公司机构金融部、普惠金融部等多部门协同，根据企业所属行业、经营特点及碳汇资产等情况设计综合金融服务方案，结 合企业信用状况，以龙江绿碳为质押标的，在黑龙江自然和生态资源交易中心办理相关碳汇资产的质押、冻结及公示（同步在中国人民银行征信中心动产融 资统一登记公示系统办理质押登记等流程），最终成功为牡丹江市国有企业"牡丹江响水农业有限公司"授信1000万元，并实现首笔资金投放，以金融之力打 通黑龙江省林业碳汇生态资源价值转换的"最后一公里"。 a a A 乳 品 品 用 品 用 用 限 用 限 机 I 型 West I 原原本 原有 可 可 可 用 可 用 有 可 可 可 用 可 用 用 用 用 用 用 用 用 用 用 用 用 T B STED DE DE DE SE S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S S ...

Core Insights - Sustainable development-linked loans are gaining traction as innovative financial products aimed at promoting green transformation [1][6] - These loans tie interest rates to companies' contributions towards carbon peak and carbon neutrality, incentivizing proactive engagement in green initiatives [1][2] Group 1: Implementation and Impact - Multiple banks, including Harbin Bank and Qingnong Commercial Bank, have successfully launched sustainable development-linked loans across various provinces [1][6] - Qingnong Commercial Bank provided a loan of 42.19 million yuan for a biomass energy project, with interest rates decreasing as biomass energy production increases [1][2] - Harbin Bank has issued loans linked to carbon emissions metrics for different industries, encouraging companies to reduce their carbon footprint [2][6] Group 2: Risk Management and Monitoring - Effective risk management is crucial for financial institutions offering these loans, with Harbin Bank integrating credit support into key operational areas of businesses [4] - Banks are establishing dynamic monitoring systems and setting phased carbon reduction targets, with incentives for meeting these goals [2][4] Group 3: Market Trends and Future Directions - The scale of sustainable development-linked loans is expanding, driven by policy guidance, fiscal incentives, and financial innovation [6][7] - Recent trends show a shift in target clients from large energy companies to small and medium-sized enterprises, enhancing product flexibility [8] - Financial institutions are increasingly incorporating digital tools like blockchain and big data to improve risk control and funding efficiency [8][9]

文/李明会 在可持续发展浪潮与"双碳"目标的双重驱动下，ESG（环境、社会、治理）快速跃升为衡量企业长期价 值的核心战略指标。 银行业作为经济金融体系的重要支柱，其ESG实践不仅关乎自身的可持续发展，更是贯彻落实中央金融 工作会议精神、做好绿色金融这篇大文章的关键一环，对实体经济的绿色转型与社会福祉的提升具有深 远影响。 作为国内系统重要性银行，民生银行在ESG领域的探索与实践始终备受关注。从将ESG写入五年战略规 划，到成为国内首批获得MSCI ESG全球最高等级AAA评级的银行；从创新绿色金融产品、助力企业低 碳转型，到深耕社会责任、精进公司治理，民生银行如何在ESG浪潮中找准定位、实现战略突围？又通 过哪些举措持续提升自身价值与社会认可？本期专访，《华夏时报》记者与民生银行相关负责人深入对 话，解码其ESG实践的深层逻辑与鲜活经验。 《华夏时报》：您如何理解ESG对民生银行实现可持续发展的深层意义与战略价值？ 民生银行：一是践行金融政治性与人民性的重要体现。环境方面，将绿色及可持续发展战略融入经营管 理，持续丰富绿色金融产品体系、深化绿色供应链金融服务支持、拓展绿色消费服务场景、创新碳金融 实践。社会方 ...

Group 1 - Agricultural Bank of China reported a closing price of 6.85 yuan on August 15, down 1.01% from the previous trading day, with a trading volume of 7.44 million hands and a transaction amount of 5.073 billion yuan, maintaining a total market value of 2.4 trillion yuan [1] - As a large state-owned commercial bank, Agricultural Bank's main business includes corporate banking, personal banking, and funding services, providing comprehensive financial services such as deposits, loans, settlements, and wealth management across the country [1] - Recent actions against internal competition in the banking industry have gained attention, with financial regulatory authorities in Shanghai, Guangdong, and Zhejiang implementing measures to regulate issues related to mortgage rebates and auto loan commissions [1] Group 2 - Agricultural Bank's Zhejiang branch has shown outstanding performance in the green finance sector, with a green loan balance exceeding 650 billion yuan as of the end of June, representing an 11.8% increase since the beginning of the year [1] - The bank has innovatively launched products such as the "Climate Assistance Loan" and issued the country's first loan linked to sustainable development based on SGS certification [1]

Domestic Policy Dynamics - The "Guiding Opinions on Financial Support for New Industrialization" was jointly issued by seven departments including the People's Bank of China, aiming to build a financial system that supports the high-end, intelligent, and green development of the manufacturing industry by 2027 [12] - The opinions emphasize the innovation of bond varieties and the application of diversified green financial tools such as green credit and green bonds in the low-carbon transition of the manufacturing sector [13] International Policy Dynamics - The Financial Stability Board (FSB) released a roadmap summarizing progress in addressing climate-related financial risks, focusing on disclosure, data, vulnerability analysis, and regulatory practices [4][9] - The International Sustainability Standards Board (ISSB) has established global benchmarks for sustainability disclosures, with a transition from the TCFD framework to ISSB standards underway [9] Industry Dynamics - As of August 13, 2025, the domestic market has 3,896 outstanding green bonds with a total issuance amount of 62,621.51 billion, and 2,061 social bonds totaling 87,833.49 billion [19] - From January 1 to August 13, 2025, 639 ESG bonds were issued, amounting to 8,690.98 billion, representing year-on-year growth of 38.01% and 71.72% respectively [19] ESG Practices - Recent events include the "Third China International Supply Chain Promotion Expo" and the "2025 Corporate Social Responsibility & ESG Practice Forum," highlighting the growing focus on ESG standards and practices in the supply chain [21] - Innovations in financial products such as "carbon footprint-linked loans" and sustainable development-linked loans are being introduced to support green transitions in various industries [21][22]

Core Insights - Global regulatory collaboration and differences are reshaping corporate ESG information disclosure practices [1] - Over 30 countries and regions are adopting or advancing the ISSB's sustainable disclosure standards [2] - 90% of 18 major banks in China have fully disclosed their Scope 1 and Scope 2 carbon emissions [2] - The exit of the US from the Paris Agreement has led to a noticeable divergence in global ESG investment and regulation [1][7] Group 1: ESG Disclosure Practices - 90% of major banks have disclosed their Scope 1 and Scope 2 carbon emissions, with some exploring Scope 3 emissions [2][3] - Major banks are aligning their ESG reports with the latest guidelines from stock exchanges [2] - The disclosure of Scope 3 emissions remains a weak area, with limited coverage and low data granularity [3] Group 2: Green Loan Growth - By the end of 2024, China's green loan balance reached 36.6 trillion yuan, a year-on-year increase of 21.7% [4] - Four of the six major state-owned banks have green loan balances exceeding 4 trillion yuan [4] - The growth rate of green loans is transitioning from rapid expansion to a focus on quality and efficiency [4] Group 3: Innovative Financial Products - Major banks have developed a systematic approach to innovative products like carbon-neutral loans and biodiversity protection credit [5] - ICBC's Zhejiang branch has launched various green financial products, accumulating over 60 billion yuan in innovative loans [5] Group 4: Governance and ESG Integration - Most of the 18 banks have integrated ESG committees into their board governance structures [6] - Executive compensation at major banks is linked to ESG performance, covering key areas like green finance [6] Group 5: Global ESG Investment Trends - The global sustainable fund market saw a 0.7% decline in Q1 2025, primarily due to market pullbacks in the US and Europe [7] - The US has experienced a continuous decline in sustainable fund size for ten consecutive quarters [7] - Despite uncertainties, institutional investors in Asia-Pacific, Europe, and the Middle East remain positive towards ESG investments [7] Group 6: Policy Recommendations - The research group suggests enhancing regional cooperation and supporting green trade development [8] - There is a focus on promoting international interoperability of sustainable finance standards and disclosure [8] Group 7: Environmental Risk Management - The degradation of ecosystems and loss of biodiversity pose potential financial risks, necessitating systematic environmental risk management by financial institutions [9] - A collaborative mechanism integrating finance, meteorology, and insurance is being explored to assess climate and biodiversity risks [9]

Core Insights - The recent announcement of the "2025 Good Financial Products" list highlights Qilu Bank's innovative financial solutions, with three of its cases and products recognized for their contributions to sustainable development, green finance, and digital finance [1] Group 1: Financial Products and Innovations - Qilu Bank's "Bearing Village Loan" targets small and micro enterprises in the bearing industry, providing flexible loan conditions and favorable interest rates to address funding gaps [4][5] - The "Sustainable Development Linked Loan" product ties loan interest rates to borrowers' sustainability performance, encouraging companies to meet predefined sustainability goals [6][7] - As of Q1 2025, Qilu Bank's outstanding loans for small and micro enterprises reached 759 billion yuan, reflecting its commitment to inclusive finance [5] Group 2: Industry Impact - The bearing industry in Linqing, Shandong, is significant, with over 5,400 related enterprises and an annual transaction volume exceeding 20 billion yuan, accounting for over 10% of the national bearing market [3] - Qilu Bank's financial support has enabled companies like Shandong Pinwei Bearing Manufacturing Co., Ltd. to expand production and improve technology, achieving a tenfold increase in product precision [3][4] Group 3: Digital Transformation - Qilu Bank has implemented a financial data foundation and application service system based on lake-warehouse integration technology, enhancing data processing efficiency and flexibility [9][10] - The bank's digital transformation strategy includes a focus on customer management, operational efficiency, and technology empowerment, with plans for over 110 transformation tasks [10][11] - The bank's digital initiatives have led to a 50% reduction in data storage and a 70% improvement in response time, significantly enhancing operational efficiency [10]

Core Viewpoint - The article emphasizes the growing importance of ESG (Environmental, Social, and Governance) practices in driving high-quality corporate development, particularly in the context of sustainable finance initiatives in Shenzhen, China [2][10]. Group 1: ESG Development and Initiatives - The "Reconstructing·Win-Win - 2025 Greater Bay Area ESG Empowerment Development Forum" was held in Shenzhen, focusing on international ESG trends and strategies for sustainable development [2]. - The Shenzhen branch of Industrial Bank has been a pioneer in green finance, integrating ESG strategies into its financial practices and enhancing the green competitiveness of local enterprises [2][10]. - The bank has successfully launched various innovative green financial products, including the first sustainable development-linked loan and a resource recovery-linked green loan [4][5]. Group 2: Blue Carbon and Ecological Initiatives - Shenzhen is leveraging its ecological advantages, such as mangrove forests, to explore pathways for realizing the value of ecological products, with the bank leading initiatives in blue carbon finance [3]. - The bank facilitated the first carbon credit transaction based on the "Mangrove Protection Project Carbon Sink Methodology" in 2023, marking a significant step in blue carbon asset management [3]. - A strategic partnership was established between the bank and Shenzhen Blue Carbon Technology Co., resulting in the first red mangrove protection carbon credit pledge financing in Shenzhen [3]. Group 3: Support for Local and International Projects - The bank has provided over 50 million yuan in funding for five low-carbon energy projects as part of its climate investment and financing project library [4]. - In alignment with the Belt and Road Initiative, the bank successfully executed its first overseas loan of 50 million USD for a nickel production project in Indonesia, which is crucial for the global electric vehicle supply chain [6]. - The bank has tailored financial solutions for local enterprises, such as a dual-linked loan for a solar energy company, integrating technology and ESG performance metrics [7]. Group 4: Digital Economy and Green Transformation - The bank has initiated a green loan for a low-carbon cloud data center project, supporting the national "East Data West Computing" strategy and promoting low-carbon transformation in high-energy-consuming industries [8]. - The bank's efforts in digitalization have enhanced its green operational capabilities, including the development of an evaluation system for visualizing branch performance [10]. Group 5: Governance and Recognition - The bank has achieved a AAA rating from MSCI, placing it among the top three global banks in ESG performance, and has been recognized as an advanced unit in green banking for five consecutive years [9]. - The bank has established a comprehensive ESG governance framework, focusing on environmental, social, and governance dimensions to support sustainable development [9]. Group 6: Future Directions - The bank plans to deepen its ESG practices by optimizing its green product system and enhancing blue finance innovations to support Shenzhen's development as a global marine center [10]. - The bank aims to explore new paths for integrating green finance with digital technology, contributing to the harmonious coexistence of humans and nature in the context of building a beautiful China [10].

Core Viewpoint - Qilu Bank is actively exploring innovative paths in green finance to support the low-carbon transformation of traditional industries in Shandong, aligning with the national "dual carbon" strategy [1] Group 1: Green Finance Initiatives - Qilu Bank has launched a "sustainable development-linked loan" that ties loan interest rates to pre-set sustainable development performance targets (SPT) of enterprises, promoting a win-win situation for economic and environmental benefits [1][2] - The key performance indicators (KPI) for this loan cover various areas such as energy efficiency, greenhouse gas reduction, waste reduction, renewable energy utilization, water conservation, sustainable procurement, circular economy, biodiversity protection, and ESG assessments [1] Group 2: Loan Implementation and Impact - The first sustainable development-linked loan was issued to a leading NMP supplier, utilizing hydrogen recovery as a key performance indicator, marking a significant milestone in Qilu Bank's financial transformation efforts [2][3] - If the enterprise meets the hydrogen recovery target in 2025, the loan interest rate will be reduced by 5 basis points; otherwise, no discount will be applied, creating a market-driven incentive for low-carbon transformation [2][3] Group 3: Innovations and Breakthroughs - The loan program represents several breakthroughs, including the innovative linkage of hydrogen recovery to loan rates, addressing financing challenges in the chemical manufacturing sector, and establishing a market-based incentive mechanism [3] - A dynamic evaluation mechanism is introduced to ensure that fund usage aligns with emission reduction goals, effectively preventing "greenwashing" risks [3] Group 4: Demonstrated Benefits and Future Outlook - The loan has led to an estimated annual reduction of 2,000 tons of CO2 emissions for the enterprise, enhancing production efficiency and market competitiveness [4] - As of Q1 2025, Qilu Bank's green loan balance reached 40 billion yuan, reflecting a growth of 6.4 billion yuan and a 19% increase from the beginning of the year, indicating a strong commitment to green finance [4]

Core Viewpoint - Qilu Bank Binzhou Branch has achieved significant growth and development over the past eight years, focusing on serving local residents, small and medium-sized enterprises, and contributing to the local economy [1][2][3]. Group 1: Financial Performance - As of the first quarter of this year, the bank's deposit scale reached 11 billion, and loan scale reached 14.1 billion, with both deposit and loan growth rates ranking among the top in the city [1]. - Cumulatively, the bank has issued various loans totaling 86.2 billion, serving over 840 corporate clients and 120,000 individual clients [1]. - The bank's green loan balance is 1.3 billion, reflecting a 42% increase since the beginning of the year [4]. Group 2: Innovation and Services - The bank has developed innovative credit products and financial services to support the real economy, with a focus on "specialized, refined, distinctive, and innovative" enterprises [3]. - The bank's technology-enabled loans for specialized enterprises have exceeded 2.1 billion, providing services to 154 technology companies [3]. - The bank has launched various inclusive financial products, including "Grain Loan" and "Kitchenware Loan," to support rural revitalization [6]. Group 3: Social Responsibility and Community Engagement - The bank has actively participated in public welfare initiatives, including the issuance of social security cards and the launch of the "Social Security Convenience Loan" product [7]. - It has established partnerships with local government departments to enhance communication and improve service efficiency for enterprises [6]. - The bank has conducted various community activities, such as financial literacy programs and support for underprivileged families, enhancing its reputation as a "citizen bank" [7]. Group 4: Future Outlook - The bank aims to continue its commitment to financial service and local economic development, focusing on providing precise, efficient, and high-quality financial services [8].