中央经济工作会议明确将绿色金融作为金融"五篇大文章"之一，强调加快经济社会发展全面绿色转型。 紫金农商银行全面融入国家绿色发展战略，持续完善绿色金融组织、产品和服务体系， 为地方经济绿 色转型注入源源不断的"金融活水"，走出了一条具有自身特色的绿色金融发展之路。 战略引领，夯实绿色金融根基 紫金农商银行坚持从战略高度着手，加强顶层设计和前瞻布局，为全行绿色金融发展谋篇布局、夯实根 基。 早在2021年发布的《紫金农商银行十四五战略规划》中，该行就从顶层设计出发，明确将发展绿色金融 单独提出作为全行七大业务战略之一，后续又发布了《紫金农商银行绿色金融三年发展方案》，统筹、 推进、落地绿色金融发展战略。该行成立绿色金融工作领导小组，设立绿色金融专营中心，打造全行首 家绿色支行，构建董事会统筹领导、高级管理层部署推进、职能部门专业指导、各分（支）行贯彻落实 的绿色金融组织体系，统筹推进绿色金融业务发展。 为强化绿色金融信贷支持力度，该行连续7年在年度经营管理考核办法中设置绿色贷款考核指标，针对 绿色企业贷款单列信贷计划，每月信贷规模优先支持绿色贷款投放。同时，实行贷款价格优惠，并落实 尽职免责机制，进一步激发营销人 ...

对江苏省生态文明建设，习近平总书记念兹在兹、尤为关注。进入新时代，习近平总书记亲自为江苏擘 画了"强富美高"新江苏宏伟蓝图，反复叮嘱江苏要把保护生态环境摆在突出位置，走出一条生态优先、 绿色发展的新路子。 江苏全省上下始终牢记嘱托、感恩奋进，将生态文明建设作为重大政治任务和民生工程，积极探索经济 发达地区实现高质量发展、高效率利用与高水平保护协同并进的实践路径，推动生态文明建设和生态环 境保护取得突破性进展，加快形成有利于节约资源和保护生态环境的空间格局、产业结构、生产方式、 生活方式和消费模式，走出了一条具有江苏特色的生态文明建设之路，美丽江苏建设迈出坚实步伐。 统筹政府主导与市场驱动。一方面，政府积极发挥引导作用，近十年，全省财政累计投入生态环境与保 护治理资金超过3800亿元。另一方面，充分发挥市场机制活力，创新环保贷、环基贷等绿色金融产品， 2024年，全省绿色信贷余额突破3.5万亿元，碳市场交易量居全国前列。 统筹文化传承与时代脉搏。深入挖掘江南水乡的生态智慧，将传统"天人合一"理念融入现代生态环境治 理方案。在大运河、长江国家文化公园的建设中，精心打造了一批生态文明教育的新地标，成为传播生 态文化 ...

Core Viewpoint - Nantong Rural Commercial Bank is actively implementing the national Yangtze River Delta integration development strategy, focusing on four main lines: industrial collaboration, inclusive finance, green transformation, and digital empowerment, to drive high-quality economic development in the region [1] Group 1: Financial Performance - As of mid-year, the bank's total loan balance reached 65.921 billion yuan, with a net increase of 3.626 billion yuan, representing a growth rate of 5.82% [1] - The balance of green loans amounted to 84.1908 million yuan, indicating a positive development trend [1] Group 2: Organizational Structure and Talent Development - A green finance working group was established, led by the bank's president, to enhance organizational structure, system construction, and service models, ensuring robust support for the Yangtze River Delta integration development [1] - The bank has created a three-dimensional training system focusing on layered training, practical transformation, and incentive guidance to enhance staff capabilities in green finance [1] Group 3: Green Finance Initiatives - The bank has implemented a "dual-track assessment" mechanism to allocate credit resources effectively, increasing support for green industries such as low-carbon and circular economies [2] - A product matrix including "Green Energy Loan," "Pollution Rights Loan," and "Environmental Loan" has been developed to support projects related to energy conservation, pollution prevention, and ecological restoration [2] - The maximum interest rate for green loans is capped at LPR plus 80 basis points, demonstrating the bank's commitment to benefiting the real economy [2] Group 4: Future Development Strategy - The bank plans to continue its four-dimensional integration strategy of industry, finance, technology, and talent, focusing on product innovation, government-enterprise cooperation, and talent cultivation [3] - Future product development will include carbon emission rights pledge financing and green supply chain finance to support the green transformation of traditional industries [3] - The bank aims to enhance collaboration with government departments and research institutions to create a green industry fund, establishing a virtuous cycle of policy guidance, resource aggregation, and value closure [3]

Group 1: Core Insights - Shanghai Yuancai Investment has conducted research on Zijin Bank, focusing on its commitment to serving the real economy and supporting rural revitalization [1] - Zijin Bank has made significant progress in financial support for small and micro enterprises and inclusive finance, with a strategic focus on agriculture, small and medium enterprises, and urban-rural integration [1] - The bank has launched various micro-loan products, including "Tongshang e-loan," "Micro Enterprise Easy Loan," and "Settlement Easy Loan," to better serve small businesses [1] Group 2: Product Offerings - Zijin Bank has established a comprehensive agricultural loan product system, including "Jinling Huinong Small Loan," "Jinling Huinong Loan," "Huinong Quick Loan," and "Sunong Loan," to meet the diverse needs of farmers [1] - The bank is actively promoting the construction of rural convenience service points to enhance the level of inclusive financial services [1] Group 3: Company Overview - Yuancai Investment, founded in August 2009, is a well-known private equity management company specializing in secondary market stock investments, with a management scale exceeding 10 billion [2] - The company has a mature organizational structure, incentive mechanisms, risk control, compliance, and research framework, with a current active management scale of 7 billion [2] - The founder, Zhang Yichi, has extensive experience in fund management and has a proven track record in the industry, particularly in the pharmaceutical sector [2]

Core Viewpoint - The article emphasizes the commitment of Jiangsu Bank to green finance and sustainable development, highlighting its role as a leader in promoting a harmonious relationship between humans and nature in China [1][3]. Group 1: Strategic Development - Jiangsu Bank has integrated green finance into its strategic planning since 2013, collaborating with the International Finance Corporation (IFC) on energy efficiency projects [2]. - The bank established a dedicated green finance department in 2015 and adopted the Equator Principles in 2017, becoming the first city commercial bank in China to do so [2]. - In 2023, Jiangsu Bank set up a leadership group for green finance to implement national policies and released a three-year work plan for green finance development [3]. Group 2: Product and Service Offerings - Jiangsu Bank has developed a comprehensive green finance product system covering nine sectors, including corporate credit, investment banking, and retail [4]. - The bank has introduced innovative products such as "green innovation combination loans" and "ESG performance-linked loans" to support various green projects [5]. - Jiangsu Bank's ecological finance services focus on environmental protection and urban green development, offering products like solid waste loans and soil restoration loans [5]. Group 3: Collaboration and Ecosystem Building - Jiangsu Bank actively collaborates with government agencies and other financial institutions to create a green finance ecosystem, enhancing its professional capabilities [7]. - The bank has established partnerships with various government departments and has been involved in setting industry standards for green finance [7][8]. - Jiangsu Bank promotes knowledge sharing and collaboration among banks through initiatives like the establishment of a green finance alliance for small and medium-sized banks [8]. Group 4: International Engagement - Jiangsu Bank has engaged in international cooperation, joining the UK-China Green Finance Working Group and becoming a signatory to the UN Principles for Responsible Banking (PRB) [8][9]. - The bank has taken leadership roles in international forums, contributing to the development of new standards for sustainable finance [9][10]. - Jiangsu Bank aims to align its operations with global best practices in sustainable finance while addressing local market needs [8].

Group 1 - Jiangsu Siyang Rural Commercial Bank focuses on serving the agricultural sector, emphasizing innovation and responsibility to support rural revitalization [1][3] - The bank has issued a total of 15 million yuan in loans to support the purchase of over 50 agricultural machines, benefiting local farmers [1] - The bank has tailored financial products such as "Family Farm Loan" and "Quick Agricultural Loan," issuing 31.023 million yuan in loans to support 38 family farms this year [1][2] Group 2 - The bank collaborates with the provincial agricultural credit guarantee company to provide 217 million yuan in credit support to 275 new agricultural operators [2] - The "Whole Village Credit" initiative has completed credit documentation for 212 administrative villages, with a total credit amount of 13.85 billion yuan benefiting 150,000 farmers [2] - The bank has introduced innovative products like "Agricultural Facility Mortgage Loan" and "Quick Agricultural Loan" to convert "dead assets" into "active funds" [2] Group 3 - The bank integrates financial services into the entire rural revitalization chain, offering specialized products to support local industries, with a loan balance of 290 million yuan for specific agricultural sectors [3] - The bank has issued 840,000 social security cards and established a government-bank cooperation area to facilitate 25 government services [3] - The bank has implemented a "Financial Benefit for Enterprises" initiative, resolving financing needs for 34 out of 125 visited enterprises and providing tailored solutions for struggling businesses [3]

截至2024年末，紫金银行的公司贷款平均余额为 12202.07 亿元，同比增长约 7.92%，利息收入 480.52 亿元，平均收益率 3.94%，较2023年下降0.34个百分 点；零售贷款平均余额 4175.97 亿元，平均余额同比微增约 0.70%，利息收入 196.69 亿元，平均收益率 4.71%，较2023年下降 0.56 个百分点；票据贴现平均 余额 2152.12 亿元，平均余额增长约 11.27%，利息收入 26.99 亿元，但利息收入减少约 14.51%，平均收益率 1.25%，平均收益率下降 0.38 个百分点。贷款 和垫款总计平均余额 18530.04 亿元，较2023年增长约 6.57%，利息收入 704.19 亿元，较2023年减少约 4.07%，平均收益率 3.80%，较2023下降 0.42 个百分 点。总体看，2024 年各类贷款平均余额大多呈现增长态势，但利息收入和平均收益率普遍下降，反映出收益能力有所减弱，可能受市场利率下行或资产质 量变化等因素影响。 4月24日晚间，紫金银行2024年报姗姗而来，同日公布的还有其2025年一季报。 截至 2024 年末，紫金银行总资产 ...