街边小店、初创小微企业是城市乡村最鲜活的"烟火气"，却往往受困于经营分散、财务不规范，被传统 信贷审核挡在门外，不少经营者想贷不敢贷、急贷贷不到。中国人民银行河南省分行主动引导金融机构 深挖资金流信用信息核心价值，让这些"小主体"的经营数据"说话"，把分散在账表里的"软信息"变成银 行认可的"硬信用"，让普惠金融真正"普"到千家万户、"惠"到经营末梢。 截至目前，河南省依托资金流信息平台共为5855家企业发放普惠类贷款182.2亿元。其中，河南某粮油 公司的经营颇具行业特性：结算账户分散、同户名账户多、公转私频繁，传统模式下金融机构需耗费大 量人力核验流水，效率较低。招商银行郑州分行借助资金流信息平台，一键整合企业账户收支数据，快 速厘清企业经营收支曲线，破解"风险难评估"困局，为企业授信1000万元。老板感叹道："原来小微企 业贷款也能这么省心。" 中小微企业是经济肌体的"毛细血管"，是稳增长、保就业、激活创新的活力源泉。作为经济大省、人口 大省、农业大省，河南始终把服务中小微企业、激活市场主体活力放在重要位置。全国中小微企业资金 流信用信息共享平台（以下简称"资金流信息平台"）上线以来，中国人民银行河南省 ...

Core Viewpoint - Taizhou Rural Commercial Bank positions green finance as a core strategy to support the "dual carbon" goals and the transformation of the real economy, innovating in systems, products, and services to create a comprehensive green finance service system that injects financial vitality into local development [1] Group 1: Institutional Framework - The bank integrates green development requirements into the entire business process, establishing the "Green Credit Management Measures" to clarify green credit standards and using environmental credit as a key basis for credit approval [1] - It deepens collaboration with environmental departments to form a closed-loop management system of "environmental recognition - credit support - risk prevention," thereby solidifying the foundation for green credit [1] Group 2: Product Innovation - To address challenges in green financing, the bank has developed a "green+" product matrix, introducing innovative products like "Environmental Loans" to solve the guarantee difficulties faced by enterprises [1] - The bank has successfully issued various types of collateral financing, including pollution rights pledge loans, the province's first "carbon rights loan," and "water rights loans," effectively activating the value of environmental resources [1] Group 3: Targeted Services - The bank focuses on the pain points of industrial transformation, implementing precise services in various sectors [1] - In the manufacturing sector, it supports the upgrade and transformation of hazardous chemical disposal enterprises in chemical parks; in transportation, it provides "Transport Loans" to support the upgrade of oil tankers for shipping companies, promoting low-carbon development [1] - In rural revitalization, the bank extends green credit services to agricultural projects, emphasizing support for green agricultural development initiatives [1] Future Outlook - The bank plans to continue deepening green finance innovation, acting as a "production line" for green production and a "catalyst" for energy conservation and emission reduction, contributing to the green transformation of the local economy and society [1]

Group 1 - The city of Ji'an in Jiangxi Province is prioritizing the construction of a "waste-free city" as part of its top ten key initiatives, aiming to enhance the ecological environment and improve residents' sense of well-being and safety [1] - A high-level task force has been established, led by the mayor and party secretary, to coordinate efforts across various departments, ensuring collaboration and information sharing in solid waste management [1] - Financial support for green projects has been increased, with a total of 1.242 billion yuan in tax reductions for resource utilization enterprises since 2022 [1] Group 2 - The city is developing a circular resource system focusing on industrial solid waste, agricultural waste, construction waste, and hazardous waste, aiming to reduce pollution and promote resource utilization [2] - Key sectors identified for the "waste-free city" initiative include industry, agriculture, construction, and hazardous waste, with specific projects aimed at enhancing resource recycling and safety [2] - Ji'an has established 19 national-level green factories and 40 provincial-level green factories, leading in the province for green industrial development [3] Group 3 - A new model of "two networks integration" is being explored to improve waste classification and recycling rates, alongside enhanced management of hazardous waste [3] - The city is focusing on green low-carbon development paths, with a strong emphasis on the electronic information industry and emerging sectors like hydrogen energy and new energy storage [3] - Legislative measures have been introduced to clarify responsibilities for industrial solid waste management and to regulate the operation of waste treatment facilities [3]

在重点企业服务中，泰州农商银行在地方人民银行指导下，深入调研专注绿色技术服务的企业，充分认 可其在碳排放监测、降能减排方面的积极作用，为企业提供千万元级授信支持，截至2025年6月贷款余 额达数百万元，助力企业持续发挥绿色产业引领作用。信贷投放上，该行坚持"绿色优先"原则：简化绿 色项目审批流程，优先支持城镇污水垃圾处理、化工污染治理、农业污染防治等环保领域；主动对接新 能源产业园区，参与园区产业联盟活动，现场推介特色金融产品，精准匹配新能源企业融资需求，为区 域绿色产业升级铺路搭桥。 从破解科技企业融资难题，到助力绿色产业加速发展，泰州农商银行以实际行动践行金融使命。未来， 该行将继续坚守本土定位，深化"五篇大文章"实践，通过更精准的服务、更创新的产品，让金融活水持 续滋养实体经济，为地方高质量发展贡献更多金融力量。 为精准匹配企业需求，该行为其量身定制了服务方案：核定数百万元两年期授信，以厂房抵押缓释风 险，执行低至2.7%的优惠利率；同时主动对接地方"科技创新企业贴息贷款"政策，为企业争取1%财政 贴息，最终将实际融资成本降至1.7%。从材料收集到放款仅用5个工作日，高效响应速度精准匹配企 业"短、急" ...

Core Insights - The Construction Bank's Yancheng branch is committed to "ecological priority and green development," integrating its mission into local development through product innovation, project empowerment, and ecological protection [1][16] - As of the end of August, the green loan balance of the bank reached nearly 50 billion yuan, reflecting a growth of over 20% since the beginning of the year [1] Green Finance Activation - A significant EOD project with a total investment of nearly 3 billion yuan has been selected as a pilot for ecological environment-oriented development in Jiangsu Province, marking a benchmark for Yancheng's exploration of "ecology + industry" integration [2] - The bank has formed a cross-departmental professional service team to provide tailored financing solutions, successfully forming a syndicate of 2 billion yuan, with the bank covering 1 billion yuan of the syndicate share [4] Financial Support for Green Enterprises - The bank has launched specialized products such as "Environmental Loan," "Hazardous Waste Loan," and "Carbon Finance" to address the diverse financing needs of green industries, with a total of 1.029 billion yuan allocated to "Environmental Loans" [4][5] - The bank's green financial tools include green credit, green bonds, and green funds, with a focus on clean energy, energy conservation, and ecological environment governance [5] Blue Finance Empowering Marine Economy - The bank has facilitated a 6.79 billion yuan loan for a 1 million kilowatt offshore wind power project, demonstrating rapid financial service capabilities [6] - The introduction of the "Su Nong Dan · Fishing Boat Loan" aims to alleviate financing difficulties for fishermen, with the first loan of 2 million yuan successfully issued [6][7] Comprehensive Financial Services - The bank has established a professional team to provide customized services for key projects in Yancheng's green industry upgrade and marine economy development, ensuring financial support for ecological governance and industrial development [13][14] - A digital platform for green finance management has been launched, enhancing the efficiency and precision of green credit services [15] Commitment to Social Responsibility - The bank actively promotes green finance knowledge and awareness through community outreach and educational initiatives, fostering a culture of environmental responsibility [15][16] - The bank aims to continue its efforts in supporting the development of a green low-carbon demonstration zone and a modern marine economy in Yancheng [16]

为绿色企业提供资金支持 走访船家了解金融需求 上门服务深入对接金融需求 集中为渔民授信 蓝色金融 向客户介绍金融产品 在建设银行盐城分行，一股金融暖流正奔涌在黄海之滨的沃土上——该行锚定"生态优先、绿色发展"目标，将国有大行 的使命担当融入地方发展血脉，从产品创新、项目赋能、生态守护三大维度发力，为盐城绿色低碳转型注入澎湃动能， 为海洋经济崛起搭建金融桥梁。截至8月末，该行绿色贷款余额近500亿元，较年初增长超20%，亮眼数据背后，是建设 银行盐城分行用实干书写的责任答卷、用金融"活水"滋养发展沃土的生动实践。 绿色金融 激活产业动能 在黄海之滨的江苏滨海港经济开发区，一场关于生态与产业的双向奔赴正在上演。2024年，一个总投资近30亿元的EOD项目成功入选江苏省 第二批生态环境导向开发模式试点名单，成为盐城第三个入选项目。该项目涵盖园区生态治理、基础设施提升、新医药新材料产业园建设等五 大子项目，是盐城探索"生态+产业"融合发展路径的标杆工程。 建设银行盐城分行第一时间组建跨部门专业服务团队，深入园区调研，量身定制银团融资方案，作为牵头行成功组建银团20亿元，并兜底承担 10亿元的银团份额，为项目顺利推进注 ...

Core Viewpoint - The transformation of Yucun village from a mining economy to a tourism-driven economy exemplifies the successful implementation of green finance, significantly supported by Industrial Bank's innovative financial services [1][2][3] Group 1: Economic Transformation - Yucun village, once reliant on mining, has shifted to eco-tourism, attracting over a million visitors annually [1][2] - The village's collective economic income peaked at nearly 3 million yuan during its mining heyday, but environmental degradation prompted a shift towards sustainable practices [2] - The local government initiated projects to enhance tourism infrastructure, including the creation of a 5A scenic area, which has led to a diversified rural economy [2][3] Group 2: Financial Support and Innovation - Industrial Bank provided 500 million yuan in syndicated loans to support the tourism development project in Yucun, streamlining financing processes for local enterprises [3][4] - The bank's innovative financial solutions combine green finance with meteorological data, creating a closed-loop system that links ecological resources to financial capital and industrial upgrades [4][5] - The bank's climate loan initiative, which ties loan interest rates to ecological project assessments, encourages sustainable practices among borrowers [5] Group 3: Green Finance Leadership - Industrial Bank has been a pioneer in green finance for nearly two decades, offering a range of innovative financial products, including carbon credits and environmental loans [7][8] - As of mid-2023, the bank's green financing scale reached 2.43 trillion yuan, maintaining its position as the leading bank in this sector [7] - The bank has developed digital platforms to enhance its green finance offerings, including a dual-carbon management platform, further supporting sustainable development initiatives [8]

Core Viewpoint - The transformation of Yucun village from a mining economy to a tourism-driven economy exemplifies the successful implementation of green finance, significantly enhancing local economic development and environmental sustainability [1][3][4]. Group 1: Economic Transformation - Yucun village, once reliant on mining, has shifted to eco-tourism, attracting over a million visitors annually and becoming a "net celebrity village" [1][2]. - The village's collective economic income peaked at nearly 3 million yuan during its mining heyday, but environmental degradation prompted a shift towards sustainable practices [3]. - The local government initiated the "Anji County Bamboo Garden Yucun Two Mountains 5A Scenic Area Creation Project" to enhance tourism infrastructure and promote eco-friendly development [3][4]. Group 2: Financial Support and Innovation - In 2023, a syndicate loan of 500 million yuan was issued to support the scenic area project, streamlining financing processes and enhancing business efficiency [4]. - The integration of green finance with meteorological data has led to innovative financial solutions, such as project loans linked to climate ecological product assessments [5][6]. - The first "climate loan" in Huzhou was issued for the Moganshan International Tourism Resort, with a credit line of 250 million yuan aimed at enhancing tourism and environmental sustainability [6]. Group 3: Green Finance Leadership - Industrial Bank has been a pioneer in green finance for nearly two decades, offering a range of innovative financial products, including carbon credits and environmental loans [8][9]. - As of mid-2023, the bank's green financing scale reached 2.43 trillion yuan, maintaining its position as the leading bank in green loans [8]. - The bank has developed digital platforms to support green finance initiatives, enhancing the efficiency and effectiveness of its services [9].

在绿色发展成为时代主题的当下，滨海农商银行以金融为笔、生态为卷，深耕绿色金融"大文章"。通过 聚焦绿色产业、节能环保等重点领域，加大产品创新力度，开辟信贷快捷通道，为滨海地区生态发展注 入源源不断的"金融活水"，奏响了绿色与发展共生共荣的协奏曲。 筑牢绿色金融根基，需要强有力的组织管理作为支撑。滨海农商银行构建起专业的绿色金融团队，成立 全行绿色金融领导小组，明确信贷管理条线分管领导为业务牵头人，在授信评审部设立专属岗位，实现 专人专岗的精细化管理，让绿色金融业务推进有了"主心骨"。同时，该行制定并出台《绿色金融发展战 略》《绿色信贷实施方案》，从顶层设计入手，为业务开展提供清晰指引和严格规范，确保每一笔绿色 信贷都经得起检验。不仅如此，该行还将全县农业产业园区的服务网点全面升级为绿色网点，配备专职 绿色金融客户经理，制定科学考核方案，大幅提升服务便捷性，让绿色企业感受到"近在咫尺"的专业金 融服务。 李雪峰 创新是绿色金融的生命力所在，滨海农商银行通过产品服务创新，持续激发绿色产业活力。紧抓盐城港 滨海港区LNG项目发展机遇，该行精准研发"碳权贷""环保贷""LNG贸易贷"等特色信贷产品。目前，已 与港区4 ...

Core Viewpoint - The central economic work conference emphasizes the importance of green finance as one of the key areas for comprehensive green transformation in economic and social development, with Zijin Rural Commercial Bank actively integrating into the national green development strategy [1] Group 1: Strategic Foundation - Zijin Rural Commercial Bank has included green finance as one of its seven major business strategies in its 14th Five-Year Plan, launched in 2021, and has since developed a three-year plan for green finance [2] - The bank has established a dedicated green finance leadership group and a specialized center, creating a comprehensive organizational structure to promote green finance across all branches [2] - The bank has set green loan assessment indicators in its annual management evaluation for seven consecutive years, prioritizing credit plans for green enterprises and implementing preferential loan pricing [2] Group 2: Product Innovation - The bank has launched and upgraded the "Environmental Loan," linking loan pricing to the environmental credit ratings of enterprises, encouraging a focus on environmental impact [3] - The introduction of the "Zijin·Su Carbon Financing" product provides medium- to long-term low-interest credit loans to enterprises listed in Jiangsu's green enterprise directory [3] - As of the end of July, the bank's green loan balance reached 16.97 billion, an increase of 2.73 billion from the beginning of the year, with a growth rate of 19.14%, surpassing the average growth rate of all loans [3] Group 3: Responsibility and ESG Practices - The bank has established a comprehensive ESG work system and published the first ESG report among rural commercial banks in the country, effectively identifying and managing climate and environmental risks [4] - Zijin Rural Commercial Bank is the first rural commercial bank in Jiangsu to sign the United Nations Principles for Responsible Banking and has received multiple awards for its ESG efforts [4] - The bank actively promotes ecological initiatives, such as the "Smile Yangtze Dolphin" themed credit card, and has conducted over 20 activities related to ecological protection and financial education [4]