1996年1月，北京银行(原北京城市合作银行)成立，成为我国较早成立的城商行之一。30年来，北京银 行积极响应国家发展战略，以高质量党建指引航向，坚持特色化、差异化发展。总资产从成立之初的 200多亿元增长至2025年的近4.9万亿元，在英国《银行家》杂志"2025年全球银行1000强"榜单中排名第 49位……数字背后，是北京银行坚定不移走中国特色金融发展之路、服务中国式现代化的生动实践。 强基固本，党建引领塑造发展优势 北京银行的30年，是坚持党的领导、加强党的建设、将政治优势转化为发展优势的30年。北京银行党委 始终发挥坚强领导作用，确保全行重大决策契合国家战略方向和行业发展规律，推动经营业绩实现历史 性突破，构建起特色鲜明、覆盖广泛、服务高效的现代金融服务网络。 将党的领导深度融入公司治理全过程。北京银行党委严格落实"把方向、管大局、保落实"根本要求，通 过层层制定并严格执行党委前置研究讨论重大事项清单及程序，清晰界定各治理主体权责边界，有效推 动形成了决策科学、执行有力、监督有效、运转协同的现代公司治理机制。 党组织的覆盖面与战斗力持续增强。全行党组织数量稳步增长至562家，党员队伍壮大至9321名， ...

Core Insights - The Beijing Green Exchange has facilitated over 4.2 million tons of voluntary greenhouse gas emission trading, generating over 300 million yuan in transaction volume since the national market's launch in 2024 [1] - The exchange serves as a key platform for carbon asset management and green development, supporting Beijing's transition to a low-carbon economy [1][2] Group 1: Market Overview - Established in 2008, the Beijing Green Exchange is authorized by the Ministry of Ecology and Environment to manage the national voluntary greenhouse gas emission trading system and is recognized as a significant environmental rights trading market [2] - The exchange has supported key carbon-emitting entities in Beijing for 12 consecutive years, achieving a cumulative trading volume of over 113 million tons and a transaction value exceeding 4.86 billion yuan [2] Group 2: Sector Contributions - In the transportation sector, the exchange has facilitated the green transition of 1.6 million vehicles through fiscal subsidies, amounting to 21 billion yuan, alleviating traffic congestion and air pollution in Beijing [2] - In the building sector, the exchange has provided technical support for energy consumption management in 16,000 public buildings, covering an area of 200 million square meters, effectively curbing excessive energy consumption growth [3] Group 3: Financial Innovation - The exchange has made significant progress in green finance by developing a carbon account and green project database system, which supports financial institutions in green financing and regulatory compliance [4] - Collaborations with major financial institutions have led to the establishment of innovative financial products, including the first domestic carbon quota OTC swap and options contracts, as well as the first carbon asset repurchase business [4] Group 4: Future Outlook - The chairman of the exchange anticipates substantial growth in green finance over the next five years, aligning with national strategies for economic and social development [5] - Beijing's advantages in financial resources and its ambition to become a benchmark city for green economy development provide a fertile ground for the growth of green finance [6]

Core Insights - The Beijing Urban Sub-center is becoming a significant hub for green finance, with over 470 financial institutions and initiatives to establish a national-level green exchange [1][2][3] Group 1: Green Finance Development - The People's Bank of China is actively promoting green finance in Beijing, with a focus on establishing a high-standard national green development demonstration area [2] - The national-level green exchange has begun operations, facilitating voluntary carbon emissions reduction transactions, with a trading volume exceeding 320 million tons of CO2 equivalent [3] - Since 2016, fixed asset investments in the Beijing Urban Sub-center have reached 960 billion, with 55 billion in green loans supporting low-carbon development [4] Group 2: Challenges and Opportunities - The transition to a green economy is recognized as essential for addressing global challenges, but traditional industries like steel and cement face significant hurdles in reducing carbon emissions [5] - There are difficulties in identifying and assessing projects for green financing, as many enterprises lack carbon accounting data [5] - Technological advancements are seen as a key enabler for enterprise transformation, enhancing efficiency and contributing to economic value [6] Group 3: Future Prospects - The Beijing Urban Sub-center is viewed as a national experimental field for green finance, with expectations for innovative solutions in resource allocation and pricing mechanisms [6] - The future of green finance in the region is anticipated to yield new answers and strategies for sustainable development [6]

Core Viewpoint - Beijing Bank is committed to enhancing its green finance strategy, aligning with national "dual carbon" goals and promoting sustainable development through innovative financial products and services [1][9]. Group 1: Strategic Leadership - Beijing Bank has established a comprehensive green finance management system across all levels, from headquarters to branches, enhancing its strategic focus on sustainable development [2]. - The bank restructured its board committee to emphasize ESG (Environmental, Social, and Governance) responsibilities, reflecting a stronger commitment to green finance [2]. - A three-year development strategy for green finance (2025-2027) has been set, outlining growth paths and reinforcing the bank's commitment to sustainability [2]. Group 2: Green Loan Initiatives - The bank has increased its green loan offerings, with a balance of 210.35 billion yuan by the end of 2024, marking a growth of 63.365 billion yuan and a 43.11% increase from the beginning of the year [3]. - New financial products such as "Waste-Free Loan," "Water-Saving Loan," and "Green E-Loan" have been introduced to support low-carbon transitions in various sectors [3]. - The bank has also established a multi-faceted service system encompassing green loans, bonds, and supply chains to support sustainable projects [3]. Group 3: Carbon Finance Development - Carbon finance has become a key area for Beijing Bank, with 1.6 billion yuan in loans issued to 56 projects, resulting in an annual carbon reduction of 58,500 tons [5]. - The bank is developing a carbon account system to enhance carbon accounting capabilities and promote green finance innovation [5]. - A new green financial product, "Jingxing Carbon E-Loan," has been launched, allowing for differentiated financing rates based on quantified environmental benefits [5]. Group 4: ESG Integration - Beijing Bank is integrating ESG principles into its strategic framework, with a three-year action plan (2025-2027) focusing on various ESG initiatives [7]. - The bank has improved its ESG reporting practices, including third-party verification of its ESG reports to enhance transparency and credibility [8]. - The bank aims to develop a range of innovative financial products that align with ESG principles, including ESG investment and green funds [8][9].

Core Viewpoint - The article highlights Beijing Bank's significant achievements in 2024, driven by macroeconomic policies aimed at supporting the real economy and enhancing consumption through various financial innovations and services [2][3]. Group 1: Financial Innovations and Product Offerings - Beijing Bank has launched specialized financial products such as "Linghang e-loan" for specialized and innovative enterprises, with cumulative loans exceeding 106.8 billion yuan by the end of 2024, marking a growth of 33.8 billion yuan since the beginning of the year [3][4]. - The bank's green finance initiatives include products like "Waste-Free Loan" and "Water-Saving Loan," with a total green loan balance reaching 210.35 billion yuan, a growth rate of 43.11% [3][4]. - The introduction of a microfinance coordination mechanism and a unified financing application platform has facilitated a 28.3% increase in inclusive finance loans, totaling 310.61 billion yuan by the end of 2024 [4][5]. Group 2: Support for Key Sectors - Beijing Bank has actively supported the manufacturing sector's transformation, with manufacturing loans growing by 36% to 237.6 billion yuan, and medium to long-term loans increasing by 67% to 122.7 billion yuan [6][7]. - The bank has also focused on cultural industry financing, achieving a loan balance of 116.64 billion yuan, reflecting a growth of 32.39% [7]. - In rural revitalization efforts, the bank's agricultural loans reached 117.34 billion yuan, with a notable increase of 250.58 billion yuan since the beginning of the year [8]. Group 3: Consumer Finance and Digital Transformation - Beijing Bank has enhanced consumer finance offerings, with the "Jing e-loan" product growing by 109% by the end of 2024, and the credit card business seeing a 16% increase in new customers [9][10]. - The bank has successfully launched the first public REITs for consumer goods in Beijing, contributing to the growth of consumption-driven financial products [9]. - Digital financial services have expanded significantly, with the bank facilitating over 100 billion yuan in digital currency transactions throughout the year [5][9]. Group 4: New Citizen Financial Services - The bank has implemented twelve initiatives to improve financial services for new citizens, providing over 26 billion yuan in entrepreneurial loans and 38 billion yuan in housing loans [10]. Group 5: Retail Business Performance - By the end of 2024, Beijing Bank's retail loan balance surpassed 700 billion yuan, maintaining a leading position among city commercial banks, with retail revenue reaching 24.94 billion yuan, a year-on-year growth of 2.26% [11].

Core Viewpoint - Beijing Bank is actively exploring differentiated development strategies to navigate the challenges of financial supply-side structural reforms, aiming for high-quality growth and innovation in its services [1][3]. Group 1: Technological Financial Development - Beijing Bank established its first technology-oriented SME credit branch in 2009 and has since pioneered various financial products and services tailored for technology enterprises, achieving significant growth in its client base and loan balances [5][6]. - By the end of 2024, the bank served over 20,000 specialized and innovative clients, with a loan balance of 106.8 billion yuan, marking a 3.2-fold increase compared to two years prior [5][6]. Group 2: Green Finance Initiatives - In response to national policies on carbon neutrality, Beijing Bank launched a dedicated green finance team and introduced innovative products such as "Waste-Free Loans" and "Water-Saving Loans," achieving a green finance loan balance of 210.35 billion yuan, a 43.11% increase [9][10]. - The bank aims to integrate ESG factors into its business development, establishing a comprehensive ESG governance structure and setting 20 key initiatives to enhance its ESG capabilities [10]. Group 3: Cultural Finance Development - Beijing Bank has made significant strides in cultural finance, with a loan balance of 116.64 billion yuan by the end of 2024, reflecting a 32.39% growth [11]. - The bank has implemented various initiatives to support cultural consumption and has partnered with major film production companies to provide financial services for popular films [11]. Group 4: Digital Transformation - Over the past three years, Beijing Bank has focused on digital transformation, achieving comprehensive upgrades in technology, business models, and organizational structures [13]. - The bank has developed an AI-driven operational model, launching innovative tools that enhance efficiency and reduce operational costs, such as the AI collaboration service that improves staff productivity by over 10% [14]. Group 5: Future Outlook - Looking ahead, Beijing Bank plans to leverage its regional advantages to continue high-quality development, focusing on becoming a "children-friendly bank" and an "AI-driven commercial bank" while enhancing its digital capabilities [15].