金融产品多点创新 破解生态项目融资难题 为撬动社会资本投入生物多样性保护，我国金融机构推出多元产品。我国将生物多样性融入绿色金融政 策体系，运用再贷款、再贴现等货币政策手段加大支持力度，如贵州"梵净生态账户"、四川"川碳快 贴"、深圳"绿票通"等引导低成本资金支持生态修复。浙江衢州、安徽黄山等地探索自然风险评估、信 息披露与信贷挂钩机制。引导金融机构推出GEP质押贷款、湿地碳汇贷、生物多样性绩效挂钩贷等创新 产品。 债券方面也实现突破，国开行、建行及海南省政府等发行生物多样性主题绿色债券，中国银行在国际生 物多样性金融伙伴关系（PBF）框架下，发行全球首笔生物多样性主题绿色债券。保险方面，宁波试点 林地保险、张家界推出大鲵保险，有效覆盖生态项目风险；生态补偿机制同步推进，贵州红枫湖元宝枫 项目通过选育兼具水质净化与经济价值的元宝枫，构建"退耕—还林—林下经济"复合收益流：元宝枫籽 油、林禽药菜立体种养、碳汇及生态旅游共同形成超2000元/亩的年收入，累计利润足以覆盖绿色信贷 本息，为生态项目盈利提供可复制样本。 在2025外滩年会上，中国金融四十人论坛2025年度课题《自然和生物多样性金融：理论和实践》(以下 ...

Core Performance Highlights - Chengdu Bank reported a revenue of 12.27 billion yuan, a year-on-year increase of 5.91%, and a net profit attributable to shareholders of 6.62 billion yuan, up 7.29%, outperforming many regional banks [2] - Total assets increased by 122.11 billion yuan, a growth of 9.77%, while total deposits reached 983.48 billion yuan, up 11.02%, with personal deposits hitting a historical high [2] - Loan issuance totaled 834.63 billion yuan, marking a 12.40% increase, with credit resources directed towards key sectors of the real economy [2] Profit Structure Optimization - Net interest income reached 9.77 billion yuan, a 7.59% increase, driven by loan growth and asset yield optimization [3] - Non-interest income showed strong performance with investment income of 2.27 billion yuan, while core businesses like investment banking and custody services continued to grow [3] - The cost-to-income ratio improved to 23.18%, down 0.61 percentage points from the previous year, significantly lower than the industry average of 31.56% [3] Strategic Financial Initiatives - Chengdu Bank focuses on "technology finance, green finance, inclusive finance, pension finance, and digital finance" to support regional development [4] - In technology finance, the bank has developed tailored products for key manufacturing sectors, achieving over 80% coverage for specialized enterprises [4] - The green finance initiative supports projects aligned with carbon neutrality goals, enhancing the green credit system and providing low-cost funding for green projects [4] Inclusive Financial Services - The bank's "Ruyuan Huizhi" initiative actively engages with over 3,000 enterprises in industrial parks, enhancing financial service accessibility [5] - The "Huinong Loan" product promotes agricultural financing, with a loan balance growth of 23% year-on-year [6] - Chengdu Bank is enhancing services for the elderly and leveraging technology to improve financial service efficiency [6] Risk Management and Growth - Chengdu Bank maintains a low non-performing loan ratio of 0.66%, well below the national average for regional banks, with a provision coverage ratio of 452.65% [7] - The bank supports major regional projects, providing over 45 billion yuan in special credit for key infrastructure [7] - The bank's personal deposit growth reached a historical high, reflecting its strong brand influence and effective regional strategy [8]

Core Insights - Chengdu Bank reported a total asset of 1.37 trillion yuan, an increase of 122.1 billion yuan or 9.77% year-on-year, with a net profit of 6.617 billion yuan, up 7.29% from the previous year [1] - The bank's loan issuance maintained high growth, with a total loan amount increasing by 17.93% year-on-year, while the non-performing loan ratio remained low at 0.66% [1] - Chengdu Bank ranked 324th in the 2025 Fortune China 500 list, improving by 35 places from the previous year, marking the largest ranking increase among banks in the industry [2] Financial Performance - Chengdu Bank achieved an operating income of 12.27 billion yuan, a year-on-year increase of 5.91%, with a second-quarter revenue growth rate of 8.51%, up 5.34 percentage points from the first quarter [1] - The net interest income rose by 7.59% year-on-year, despite industry pressure on net interest margins [1] - The bank's total loans reached 834.6 billion yuan by the end of June, with a year-to-date increase of 92.1 billion yuan, and a year-on-year growth of 19.09% in corporate loans [4] Regional Economic Context - Chengdu's GDP reached 15,171.78 billion yuan in the first half of 2025, with the city’s economic total surpassing 1.2 trillion yuan, reflecting a year-on-year growth of 5.8% [3] - The bank is actively integrating into national strategies and local development plans, focusing on high-quality development and supporting major projects in the Chengdu-Chongqing economic circle [3] Business Segments - In corporate finance, Chengdu Bank supports major infrastructure and livelihood projects, enhancing financial backing for urban development [4] - The bank's small and micro finance initiatives include the "Run Garden Benefit Enterprise" action, which has engaged over 3,000 enterprises [5] - Personal finance services have seen a 26.13% increase in personal consumption loans and an 11.67% growth in housing loans, contributing to a total personal loan growth of 12.85% [6] Strategic Initiatives - Chengdu Bank is implementing "Five Major Characteristic Financial Actions" to support new productivity development and enhance financial services [7] - The bank is focusing on technology finance, green finance, inclusive finance, elderly finance, and digital finance to meet diverse customer needs [8] - Plans for the second half of the year include increasing credit support for key industries such as artificial intelligence and high-end energy equipment [9]