生态产品价值是生态系统为人类生产生活提供的最终产品与服务价值的总和，是人与自然和谐共生的核 心载体。习近平总书记强调"要加快建立生态产品价值实现机制，让保护修复生态环境获得合理回报"， 党的二十届三中全会将"健全生态产品价值实现机制"作为深化生态文明体制改革的关键任务，为新时代 生态产品价值转化指明了方向。烟台，作为首批国家级生态产品价值实现机制试点城市，具有丰富的生 态资源、发达的生态产业和活跃的金融生态，具备推动特定区域生态产品价值核算与金融创新深度融合 的良好基础。近年来，人民银行烟台市分行依托生态产品价值实现机制试点工作，将金融支持生态产品 价值实现作为推动区域经济绿色低碳转型的着力点，聚焦促进生态资源向生态资本转化，围绕体制机制 建设、产品服务模式创新、风险分担保障等方面进行了一系列探索与实践，探索出一条由蓝及绿、由点 及面、由单一贷款支持到财金协同发力的具有山海特色的金融支持生态产品价值实现的"烟台路径"。 长效机制构建： 筑牢制度根基： 生态产品价值实现的金融作用机理 （一）机制破壁，构建协同治理新框架。生态产品价值实现过程是一个涉及多领域、多主体的复杂系统 工程，具有典型的跨部门、跨领域特征。 ...

Core Insights - The article emphasizes the importance of establishing a mechanism for realizing the value of ecological products, which is crucial for the harmonious coexistence of humans and nature [1] - Yantai is highlighted as a pilot city for this mechanism, showcasing its rich ecological resources and active financial ecosystem, which supports the integration of ecological product value accounting and financial innovation [1] Group 1: Financial Mechanisms and Collaboration - The People's Bank of China in Yantai has shifted from a fragmented departmental approach to a collaborative governance framework, enhancing financial support for ecological product value realization [2] - A long-term cooperation mechanism has been established among various departments and financial institutions to facilitate the financing of ecological products, thereby converting ecological advantages into industrial development advantages [2] Group 2: Policy Development and Incentives - The article discusses the importance of well-defined policies that guide the processes of ecological product value accounting, trading, and financing, which stimulate market participation [3] - Several policy measures have been introduced to direct financial resources towards key ecological areas, addressing challenges in measuring and monetizing ecological assets [3] Group 3: Comprehensive Financial Support - Financial institutions in Yantai have developed a comprehensive financial empowerment system that covers all regions, industries, and scenarios, enabling ecological products to be tradable and valued [4] - Specific loans have been issued for various ecological projects, including a loan of 6.87 billion for a water reservoir and 92 billion for clean energy enterprises, demonstrating extensive financial support for ecological product value realization [4] Group 4: Innovative Financial Products - The article outlines the transition from single product financing to a diverse product matrix, showcasing the development of innovative financial products tailored to different ecological resources [5][6] - New financial products, such as "marine carbon sink loans" and "green + sustainable development linked loans," have been created to enhance the financial attributes of ecological products [6] Group 5: Collaborative Financial Ecosystem - Yantai has moved beyond traditional loan models to create a financial ecosystem that includes loans, insurance, and fiscal subsidies, enhancing the support for ecological product financing [7] - The introduction of various insurance products has provided significant risk coverage, with over 3 billion in policy-based marine aquaculture insurance [7] Group 6: Sustainable Financing Mechanisms - The article highlights the use of monetary policy tools to provide low-cost resources for ecological industries, improving capital accessibility for ecological products [8] - A total of 10.77 billion has been issued in loans and support tools, facilitating approximately 60 billion in loans for green industries and ecological agriculture [8] Group 7: Project Development and Support - The establishment of a project library containing 100 quality projects with ecological and economic value aims to ensure a sustainable supply of projects and precise financial support [10] - Financial support has been provided for 62 projects, with a total credit of 2.36 billion and loans of 870 million, promoting the development of current ecological projects and future sustainability [10]