齐鲁晚报.齐鲁壹点王佳潼 9月25日，潍坊市人民政府新闻办公室召开潍坊市河湖生态产品价值实现"十大案例"新闻发布会。记者在会上获悉，潍坊市发布河湖生态产品价值实现"十 大案例"。 案例5：昌邑市创新水权质押融资模式，助推供水设施改造提升。为解决供水老旧管网改造信贷融资抵押物不足问题，昌邑市创新拓宽信贷抵押品范围， 将2524.66万方取水使用权指标及用水收费权审计估值后进行质押，为水务集团融资2.64亿元，用于老旧管网改造提升等水利建设项目，成功将沉睡的"生 态资产"转化为激活的"金融资本"。 案例6：寿光市落地全省单笔最大"节水贷"。为有效扶持和培育节水产业，为企业提供低成本、高效率的信贷支持，寿光市全面摸排梳理辖区内具有融资 需求的节水项目，主动对接银行金融机构，推动授信7亿元的寿光市城乡供水管网提升改造"节水贷"项目成功落地。项目建成后，预计每年可实现节水约 45万立方米，将显著提升水资源利用效率，为建设节水型社会提供强劲支撑。 一、市场交易类 案例1：潍坊"水银行"设立与运营。为切实盘活区域内存量水资源的合理利用，实现有限水资源的最大经济社会价值，潍坊积极探索水权指标的市场化交 易新路径，创新建立"潍 ...

Core Insights - Gansu Province's Zhangye City has developed innovative financial products to leverage ecological resources, including "Water Rights Loan," "Forestry Carbon Sink Expected Income Rights + Forest Rights Pledge Loan," and "GEP Ecological Value Loan" to facilitate the realization of ecological product values [1][2][3] Group 1: Water Rights Loan - Zhangye City addresses the financing difficulties of water service companies by integrating "credit" with "water rights," enabling the transformation of water resources into financial assets [1] - The first "Water Rights Loan" of 5 million yuan was successfully issued to a water service company, alleviating funding challenges and promoting a water-saving society [1] Group 2: Forestry Carbon Sink Financing - The city has introduced a dual pledge model of "Forestry Carbon Sink Expected Income Rights + Forest Rights" to quantify the ecological value of forestry, allowing companies to secure loans against carbon sink expectations [2] - Gansu Shenhe Agricultural Development Co., Ltd. received a loan of 3 million yuan with a 250 basis points interest rate discount, demonstrating the effectiveness of the "carbon for loan" model [2] Group 3: GEP Ecological Value Loan - The "GEP Ecological Value Loan" converts the Gross Ecosystem Product (GEP) into credit assets for enterprises, addressing the challenges of valuing and pledging ecological assets [2] - Zhangye City has collaborated with various institutions to establish a standardized GEP assessment mechanism, facilitating the registration of pledges and risk mitigation through credit guarantees [2][3] Group 4: Overall Impact and Future Plans - The integration of credit with ecological resources has enabled Zhangye City to solve financing issues for enterprises while promoting the regularization of green finance supporting ecological product value realization [3] - The city plans to deepen the integration of "credit ecology" to transform more ecological resources into financing for high-quality development [3]

Core Viewpoint - Yancheng, a city with a rich revolutionary history, is leveraging financial support to drive rural revitalization and economic growth, particularly in the agricultural sector, while also focusing on green finance and technological innovation [1][2][9]. Financial Support for Agriculture - The People's Bank of China Yancheng Branch has signed loans exceeding 11 billion yuan for over 130 major agricultural projects, emphasizing the importance of rural revitalization in the revolutionary old area [2]. - Financial institutions are innovating products and reducing costs to support local agricultural enterprises, exemplified by a quick loan approval process that enabled a grain processing company to expand production [2]. Focus on Red Towns and Villages - Yancheng has 128 red towns and villages that are prioritized for financial services, with a loan balance exceeding 13.7 billion yuan, reflecting a growth of 30.48% compared to the beginning of the year [3]. - The introduction of specialized products like "Hongyan Loan" and initiatives such as "Field Financial Class" are aimed at meeting the specific needs of these communities [3]. Support for Small and Micro Enterprises - Small and micro enterprises constitute nearly 90% of Yancheng's businesses, with a total of 237.15 billion yuan in inclusive loans, marking a growth of 19.54% [4]. - Financial institutions are utilizing data-driven approaches to assess creditworthiness and provide timely loans to support operational needs [4][5]. Green Finance Initiatives - Yancheng is promoting green finance to support low-carbon development, with green credit balances reaching 341.89 billion yuan, an increase of 38.25% [7]. - Innovative financial products such as "Ecosystem Carbon Credit Loans" and "Water Rights Loans" are being developed to enhance ecological restoration efforts [7]. Technological Innovation Support - The financial sector is focusing on supporting high-tech and specialized enterprises, with loans for technology-driven companies reaching 437.56 billion yuan, growing by 26.99% [10]. - Initiatives like "Research and Development Loans" and "Talent Loans" are being implemented to facilitate innovation and product development in the region [9][10].

Core Viewpoint - The article highlights the significant transformation in ecological and financial practices in China over the past 20 years, driven by the "Two Mountains" theory, which emphasizes the balance between ecological preservation and economic development [1][6]. Group 1: Ecological Transformation - Anji County has transformed from a mining-focused economy to an ecological tourism destination, showcasing the successful implementation of the "Two Mountains" theory [1]. - Similar ecological improvements have been observed nationwide, with various regions adopting sustainable practices that enhance both the environment and local economies [1]. Group 2: Financial Innovations - Anji's introduction of "water rights loans" allows companies to leverage ecological value for financing, with a total ecological value of 3.32 billion yuan established for 38 small watersheds [2]. - The auction of watershed management rights in Meixi Town generated 29.2 million yuan, demonstrating the monetization of ecological products and contributing to local community development [3]. - Shenzhen's green finance initiatives include a 10 million yuan "carbon neutral loan" supporting solar energy projects, resulting in 85% of the park's electricity coming from green sources and reducing CO2 emissions by over 800 tons annually [4]. - The China Bank's 1.5 billion yuan green loan supports digital transformation in waste management, enhancing operational efficiency [5]. - The financial sector is increasingly linking loans to environmental performance, with green loans reaching 42.39 trillion yuan, a 14.4% increase from the beginning of the year [6].

Core Insights - The "Sustainable Finance Asia-Pacific Roundtable" organized by UNEP FI will be held in Suzhou on June 19-20, 2025, focusing on sustainable finance development in the Asia-Pacific region [1] - Jiangsu Bank, as a representative of the UNEP FI Banking Council for East Asia, participated in the conference and emphasized the importance of sustainable finance in addressing climate change and ecological crises [2] Group 1: Sustainable Finance Development - The development of sustainable finance has become a global consensus, with China aligning its financial strategy with the UN Sustainable Development Goals and the Principles for Responsible Banking (PRB) [2] - As of now, 29 Chinese banks have signed the PRB, representing 30% of the total assets of all PRB signatories globally, showcasing the commitment of the Chinese financial sector [2] Group 2: Jiangsu Bank's Initiatives - Jiangsu Bank has established a sustainable finance development system driven by ESG and PRB, focusing on five pillars: specialized operations, refined risk control, low-carbon operations, professional research, and systematic information disclosure [3] - The bank has optimized its green financial product offerings, achieving a green financing scale exceeding 650 billion yuan, and has introduced innovative products such as "ESG Low Emission Loans" and "Green Factory Loans" [3] Group 3: Future Directions - Jiangsu Bank aims to deepen its responsible banking initiatives and provide high-quality financial services for the green and low-carbon transition, collaborating with global partners to create a harmonious relationship between humanity and nature [3]

Core Viewpoint - Uhuai City is implementing a "Law + Integrity" development model to enhance the business environment and promote high-quality development through legal foundations and credit incentives [1] Group 1: Financial Innovations - The "Electricity Payment Loan" product, amounting to 140 million yuan, was launched to assist medium and large enterprises in paying electricity bills, with funds directly paid to the power supply department [1] - Other financial products like "Water Rights Loan" are being introduced to support creditworthy enterprises, linking credit status with financing services [1] Group 2: Credit Evaluation and Incentives - Uhuai City has established a credit evaluation system categorizing over 60,000 enterprises into four grades: Excellent (A), Good (B), Average (C), and Poor (D), with daily updates on evaluation results [2] - The "Credit Easy Loan" platform has registered 13,431 enterprises, with 7,014 verified, facilitating 913 online credit approvals totaling 2.8 billion yuan [3] Group 3: Legal and Administrative Reforms - Uhuai City has enhanced judicial oversight and law enforcement, resolving 406 enterprise-related cases with an execution amount of 234 million yuan, ensuring the protection of private enterprises' legal rights [4] - The establishment of a specialized commercial court and initiatives like "legal health checks" for enterprises aim to reduce dispute rates and improve legal support for businesses [4] Group 4: Government Integrity and Efficiency - Uhuai City is focused on building a trustworthy government by analyzing administrative litigation cases and maintaining a 100% appearance rate for administrative leaders in court [5] - The implementation of a streamlined approval system has reduced processing times by 93%, enhancing government efficiency and public trust [5]

在科技金融领域，搭建"1+16+100"的科技金融专业化组织体系，推出"专精特新企业贷"等特色产品，科 技型企业贷款余额3795.26亿元，增速42.06%； 在绿色金融领域，完善绿色业务支持政策，打造分层、分级、分群的"绿色金融+"综合服务体系，绿色 贷款余额4424.43亿元，增速41.01%； 聚精会神 书写金融高质量发展新篇章 2024年，光大银行深入贯彻党中央、国务院决策部署，坚决落实中央金融工作会议精神，做好科技金 融、绿色金融、普惠金融、养老金融、数字金融"五篇大文章"。 在普惠金融领域，聚焦科技创新、专精特新、制造业等重点领域小微企业，优化产品服务，倾斜金融资 源，激发经营主体发展动能，普惠型小微企业贷款余额4354.43亿元，增速14.85%； 在养老金融领域，构建养老金融"12345"工程，围绕养老金金融、养老服务金融、养老产业金融三大业 务板块，按年龄划分四类重点客群，提升养老客群的获得感和满意度，全行1500余家网点已完成适老化 改造； 近日，中国光大银行（601818）发布2024年社会责任（环境、社会及治理）报告。报告全面回顾了2024 年光大银行在响应国家战略、支持实体经济、服务 ...