"真没想到减排也能够贷款了，国家的政策真好啊。"近日，《金融时报》记者从湖南省湘西州了解到， 得益于当地十八洞村565.37公顷林地的39850吨二氧化碳当量减排率，花垣县一家经营农副产品销售的 农业科技开发公司成为湘西州首张湘林碳票的持有人。在得知其子公司湖南某经贸公司在推进生态园建 设存在资金缺口后，工商银行湘西分行把握碳汇经济政策机遇，成立湘林碳票质押贷款业务工作专班， 主动对接该经贸公司融资需求，通过"湘林碳票质押+母公司保证"组合模式，向该经贸公司发放"种植e 贷"（茶叶）300万元，贷款的及时到位，缓解了公司的融资困境。 这是中国人民银行湘西州分行引导金融资源聚焦绿色低碳领域的又一案例。为做好绿色金融大文章，该 行积极探索绿色金融服务实践，通过推动创新融资模式、完善服务体系、优化产品供给，多措并举探 索"绿"里生"金"。截至2025年二季度末，湘西州绿色贷款余额218.65亿元，较年初增长16.35%，上半年 增加30.72亿元，占各项贷款新增额的51.13%。 以创新破局 激活碳票质押效能 湘西州林木资源十分丰富，拥有林地面积1733.39万亩，森林覆盖率稳定在60.35%，森林蓄积量6112. ...

Core Insights - The article highlights the innovative use of carbon credits as collateral for loans in Xiangxi, showcasing the integration of green finance into local economic development [1][2][3] Group 1: Carbon Credit Financing - A local agricultural technology company in Huayuan County became the first holder of Xianglin carbon credits, leveraging a carbon reduction of 39,850 tons of CO2 equivalent from 565.37 hectares of forest land [1] - The Industrial and Commercial Bank of China Xiangxi Branch initiated a carbon credit pledge loan program, providing a loan of 3 million yuan to the company to support its ecological park construction [1] - The Xiangxi branch of the People's Bank of China is actively guiding financial resources towards green low-carbon sectors, with green loan balances reaching 21.865 billion yuan, a 16.35% increase from the beginning of the year [1] Group 2: Green Financial System Development - The People's Bank of China Xiangxi Branch has established a comprehensive system to promote green finance, collaborating with multiple government departments to enhance support for green economic initiatives [3] - Local banks have responded by increasing green credit allocations, with the Agricultural Bank of Xiangxi providing 905 million yuan in loans to key clean energy projects [3] Group 3: Support for Mining Sector Transition - The Xiangxi government has introduced a plan to encourage financial institutions to support the green transformation of the mining industry, with a specific loan of 5 million yuan allocated for a mining company's process upgrade [4] - This initiative aims to reduce energy consumption and enhance tax revenue, demonstrating a dual benefit of energy savings and increased profitability [4] Group 4: Enhancing Green Development Mechanisms - The People's Bank of China Xiangxi Branch is strengthening supervision and guidance to ensure the effective implementation of green finance policies across local banks [5][6] - A three-dimensional credit enhancement system is being developed to address the financing challenges faced by green agricultural projects, focusing on credit, guarantees, and industry chain collaboration [7] Group 5: Innovative Financial Products for Agriculture - Local banks are launching tailored financial products like "Tea Loan" and "Orange Loan" to support specific agricultural sectors, utilizing innovative credit assessment methods [8] - The introduction of these products aims to provide quick access to credit for farmers, enhancing their ability to invest in sustainable practices and improve production efficiency [8]

Core Insights - The Agricultural Bank of China’s Hunan Xiangxi Huayuan Branch issued an 8.35 million yuan loan to Xiangxi Beiyikang Agricultural Products Development Co., Ltd., utilizing the "Xianglin Carbon Ticket" pledge model to support green industry development [1][2] - The "Xianglin Carbon Ticket" is a standardized forestry carbon credit certificate issued by the Hunan Forestry Bureau, converting ecological resources into tradable "green assets" [1] - The loan alleviated the company's financial pressures related to technological upgrades, raw material reserves, and seasonal cash flow, enhancing its market competitiveness [2] Financial Innovation - The loan represents a financial innovation that transforms ecological value into economic value, providing financial support for low-carbon development in the region [1] - By incorporating carbon tickets as collateral, the bank expanded financing channels for green enterprises, addressing their previous challenges in securing traditional collateral [1] Impact on Business Operations - The funding enabled the company to acquire advanced production equipment and optimize processing techniques, thereby improving product quality and market competitiveness [2] - The loan also provided stable financial support for daily operations, enhancing the company's ability to respond to market fluctuations and expand sales channels [2] Future Directions - The Agricultural Bank of China’s Xiangxi Branch aims to deepen green financial innovation and increase the development of green financial products, focusing on local ecological industries and low-carbon project financing needs [2] - The bank plans to optimize credit resource allocation to further integrate financial services with green development, contributing to the sustainable economic growth of Xiangxi [2]