目前，我国四大湾区依托国家级海洋牧场示范区建设，已形成各具特色的现代化海洋牧场发展模式。但 与此同时，湾区独特的区位和经济格局也带来了一系列现实挑战。蓝皮书课题组建议，应推动构建"人 海和谐"的海洋牧场发展新模式。 中经记者 杜丽娟 北京报道 湾区经济是构建国内国际双循环新发展格局、提升全球资源要素配置能力、推动国家现代化进程的重要 战略支点。探讨湾区经济的高质量发展路径，对于推进海洋强国建设、引领高质量发展、实现中华民族 伟大复兴具有重大而深远的意义。 中国社会科学院国家未来城市实验室与社会科学文献出版社联合发布的《城市蓝皮书：中国城市发展报 告No.18——大国治湾之迈向国际一流湾区》指出，我国粤港澳大湾区、环渤海湾区、环杭州湾区以及 北部湾区，拥有丰富的海洋资源和广阔的海域空间，是现代化海洋牧场建设的"试验田"和"加速器"。 三是建立绿色低碳的海洋牧场发展范式。加快推广"新能源+渔业""AI+立体化养殖""渔旅融合"等新业态 新模式；创新海洋碳汇贷、碳汇期权等绿色金融产品，以绿色资金支持海洋牧场的智能化、信息化改 造，实现养殖实况与水域生态数据的精准监测；推动经济收益与生态效益良性循环，为建设安全、高 ...

齐鲁晚报·齐鲁壹点 连宁燕 近日，威海市政府新闻办举行"高质量完成'十四五'规划"系列主题新闻发布会，威海市相关负责人介 绍"十四五"时期威海金融业发展有关情况。"十四五"期间，威海市紧抓绿色金融发展机遇，以申建国家 绿色金融改革创新试验区为总抓手，坚持"蓝绿融合、边申边建"原则，推动绿色金融实现跨越式发展， 相关工作获得周乃翔省长肯定性批示。 拓展融资渠道，优化绿色融资结构。支持地方法人银行发行绿色金融债70亿元，推动威海城投集团等企 业在境内外绿色直接融资20亿元。在国内首次引入联合国绿色气候基金，设立威海平行基金，首期规模 5亿元，已落地3.7亿元。全市21家境内外上市公司中绿色产业企业占比超70%，累计从资本市场融资 427.51亿元。 聚焦海洋特色，打造蓝绿融合创新样板。构建全国首个蓝色产业标准体系，制定《威海市蓝色产业可持 续投融资支持目录》。建成全国首个蓝色投融资项目库，首批入库项目71个，已完成授信159亿元。创 新推出全国首笔"海洋碳汇贷"、首单"渔业贝类碳汇指数保险及质押贷款"等产品。截至2025年三季度， 全市蓝色贷款余额375.78亿元。成立全国首家蓝色保险发展中心，上线海洋保险综合服 ...

Core Insights - The article emphasizes the importance of establishing a mechanism for realizing the value of ecological products, which is crucial for achieving harmony between humans and nature [1][2][3] Group 1: Financial Mechanisms and Collaboration - The People's Bank of Yantai has initiated a collaborative governance framework to support the realization of ecological product value, transitioning from fragmented departmental efforts to a system-integrated approach [2] - A long-term cooperation mechanism has been established among various stakeholders, including government and financial institutions, to enhance the financing of ecological products [2][3] - The introduction of policies and reports has laid a theoretical foundation for financial support in specific regions, guiding resources towards key ecological areas [3] Group 2: Financial Product Innovation - Financial institutions in Yantai have developed a comprehensive financial support system that covers all regions, industries, and scenarios, enabling ecological products to be tradable and valued [4] - The innovation of green financial products, such as marine carbon credit loans and ecological environment-oriented development loans, has created a product matrix that facilitates the conversion of ecological resources into economic value [6][7] Group 3: Sustainable Development Mechanisms - The use of monetary policy tools has been crucial in providing low-cost resources to ecological industries, enhancing the capital accessibility of ecological products [8] - Financial institutions are exploring innovative financing products and service models tailored to the unique characteristics of ecological industries, such as carbon credit loans and green development-linked loans [9] - A project database has been established to support sustainable and replicable projects, with significant financial backing provided to selected projects [10]

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]

Group 1: Financial Services Development - The provincial agricultural credit union is leading the development of financial services in Shandong, focusing on high-quality growth and innovation in credit products [6] - The bank is actively promoting five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance [6] Group 2: Technology Finance - The bank has provided comprehensive financial services to technology enterprises, exemplified by a loan of 9.8 million yuan to a high-tech company for intellectual property pledge [7] - As of May, the balance of loans to technology enterprises reached 139.6 billion yuan, an increase of 25.7 billion yuan or 22.56% from the beginning of the year [8] Group 3: Green Finance - The bank has developed over ten specialized credit products for green industries, including "green industry loans" and "carbon emission rights pledge loans" [9] - By the end of May, the balance of green loans reached 81.72 billion yuan, with 65,400 green loan accounts [10] Group 4: Inclusive Finance - The bank has established 340 inclusive financial service points, facilitating financial services in rural areas and supporting small and micro enterprises [11][12] - The balance of loans to small and micro enterprises reached 11,205.6 billion yuan, with an increase of 577.7 billion yuan since the beginning of the year [13] Group 5: Pension Finance - The bank has launched various services to meet the financial needs of the elderly, including home visits and personalized assistance [14] - As of May, the balance of loans in the pension sector reached 17.93 billion yuan, an increase of 960 million yuan from the beginning of the year [15] Group 6: Digital Finance - The bank has developed a comprehensive rural revitalization service platform utilizing internet and big data technologies, facilitating online loans of 35.1 billion yuan [16][17] - By the end of May, the bank had launched ten online products with a loan balance of 128.03 billion yuan [17]

Core Viewpoint - Rongcheng Rural Commercial Bank is actively supporting the development of the cultural tourism industry in Rongcheng, focusing on creating an international coastal leisure and vacation tourism destination through innovative financial products and services [1][2][3]. Group 1: Support for Key Scenic Areas - The bank has established a comprehensive approach to support key scenic areas by simplifying loan processes and increasing financing for major projects, which has led to significant tourist engagement, as evidenced by over 100,000 visitors during the recent holiday, a 38% increase year-on-year [2][3]. - In the first five months of the year, the bank issued 88 million yuan in new loans to support tourism projects, enhancing the overall quality of the local tourism industry [3]. Group 2: Support for Emerging Economic Sectors - The bank is integrating into the "Tianzhijintou, Swan Coast" brand strategy, providing tailored financial services to support the development of cultural tourism clusters, including loans for rural tourism initiatives [4]. - Specific financial products like "Homestay Loans" and "Rural Tourism Loans" have been introduced to assist villagers in transforming their resources into tourism opportunities, significantly improving local economic conditions [4]. Group 3: Comprehensive Industry Support - Rongcheng Rural Commercial Bank is providing extensive support across the entire tourism industry chain, including hospitality, dining, and cultural sectors, to enhance the overall tourism experience [5][6]. - The bank has issued "Entrepreneurial Guarantee Loans" to over 150 high-credit restaurants, promoting local specialties and supporting the development of the "Rongcheng Good Products" brand [6]. Group 4: Future Development and Ecological Integration - The bank is aligning its green finance initiatives with the city's ecological tourism planning, including innovative loan products that leverage carbon reduction benefits from marine aquaculture [7]. - A total of 510 million yuan in green loans has been issued to support the integration of tourism and modern fisheries, contributing to both environmental protection and economic development [7].

Core Viewpoint - Green finance is a core engine for achieving carbon peak and carbon neutrality strategies, and it is crucial for promoting the green transformation of the economic structure [1] Group 1: Green Credit Growth - Guangfa Bank has focused on building a policy framework to support green development, resulting in a significant increase in green credit. By the end of 2024, the bank's green credit balance exceeded 200 billion yuan, with an increase of over 42% compared to the beginning of the year, indicating healthy and sustainable business growth [2] Group 2: Green Product System Development - The bank has innovated its product offerings to meet diverse industry needs, expanding beyond traditional green credit to include green bond underwriting, green investment, and green consumption products. The green consumption loan balance reached 11.2 billion yuan, showing a year-on-year growth of approximately 92% [3] Group 3: Organizational Management and Achievements - Guangfa Bank has strengthened its green operations and management, promoting energy conservation and efficiency. The bank participated in tree planting activities and received recognition as an "Advanced Unit in Green Evaluation" by financial regulatory authorities. It also completed the construction of its first "zero-carbon outlet" and received multiple awards for its contributions to green finance [4]