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 ...

□ 徐真 当前，生态旅游产业呈现出蓬勃发展之势，不仅成为推动区域经济绿色转型、促进人与自然和谐共生的 重要抓手，而且催生生态体育、生态康养、生态研学等旅游新业态。各地政府顺应这一趋势，加大政策 供给和资金支持，探索生态旅游投融资机制创新，全面推动生态旅游迈向更高质量的发展阶段。作为新 兴产业形态，生态旅游在快速发展中也逐渐暴露出一些深层次矛盾，导致大量优质生态资源无法转化为 可持续的发展动能。立足新阶段，必须通过政策引导、金融支持、社会参与的多维联动，构建多元化、 市场化、专业化的投资机制，真正实现生态旅游生态美、产业兴、百姓富的有机统一。 争取政策资金，夯实生态旅游发展基础 随着生态文明建设不断走深走实，生态旅游作为绿色发展的重要载体，正迎来前所未有的发展机遇。然 而长期以来，生态旅游项目普遍面临投资周期长、回报慢、抵押物不足等融资困境，大量优质生态资源 因资金短缺而难以转化为优质旅游产品，已成为制约生态旅游高质量发展的关键瓶颈。因此应强化金融 支持，引导金融活水精准滴灌，构建一个多层次、广覆盖、市场化的生态旅游金融支持体系，为生态旅 游发展注入源源不断的金融活水。一方面，应鼓励金融机构针对生态旅游项目特点 ...

Core Viewpoint - Nanjing Bank demonstrates robust growth and stability in its operations, aligning with its new five-year strategic plan, showcasing a balanced development across strategic business segments and overall positive quality improvement [1] Group 1: Financial Performance - As of June 30, Nanjing Bank's total assets reached 2.9 trillion yuan, an increase of nearly 12% from the end of the previous year [2] - The bank's deposit scale was 1.64 trillion yuan, and loan scale was 1.38 trillion yuan, growing by 9.98% and 10.41% respectively compared to the previous year [2] - Operating income was 28.5 billion yuan, with a year-on-year increase of 8.64%, while net profit attributable to shareholders was 12.6 billion yuan, up 8.84% year-on-year [2] - The non-performing loan ratio stood at 0.84%, with a provision coverage ratio of 311.65%, indicating good asset quality [2] Group 2: Business Segment Development - Nanjing Bank focuses on differentiated competitive advantages in sectors such as technology innovation, investment banking, green finance, and inclusive finance, leading to balanced growth across three major business segments [3] - Retail business revenue surged by 21.4% year-on-year to 7.6 billion yuan, contributing 829 million yuan in profit [3] - The corporate loan segment exceeded 1 trillion yuan, increasing by 119 billion yuan since the beginning of the year, enhancing credit support for the real economy [3] Group 3: Strategic Initiatives - Nanjing Bank actively supports national and local development strategies, increasing financial supply to key areas, and enhancing financial services for high-quality economic development [4] - The bank has launched various innovative financial products, including technology innovation bonds and green loans, to support the transformation of traditional industries and promote sustainable development [4] - As of June 30, the balance of green finance loans reached 258.3 billion yuan, an increase of 56.2 billion yuan, representing a growth rate of nearly 28% [4] Group 4: International and Consumer Services - Nanjing Bank is optimizing its cross-border financial product and service system, enhancing international business and free trade zone collaboration [5] - The bank has introduced digital products to support foreign trade enterprises, serving 1,257 small and micro foreign trade enterprises [5] - In the consumer finance sector, the bank has launched various initiatives to stimulate consumption, including the "Su Travel Loan" and support for the "old-for-new" policy in key consumer areas [6]

Core Viewpoint - Nanjing Bank's 2025 semi-annual report indicates steady growth in key operating indicators, balanced development across strategic business segments, and an overall improvement in quality, showcasing sustainable development in scale, quality, structure, and efficiency [1] Group 1: Financial Performance - Nanjing Bank has achieved a significant increase in green finance loans, with a balance of 258.3 billion yuan as of June, up 56.2 billion yuan from the beginning of the year, representing an increase of nearly 28% [3] - The personal loan balance reached approximately 332 billion yuan by the end of the second quarter, an increase of nearly 11.8 billion yuan, or 3.67%, compared to the end of the previous year [5] Group 2: Strategic Initiatives - The bank is focusing on key areas such as "two highs and two new" and new quality productivity, enhancing credit investment in these sectors to better align financial services with high-quality economic development [3] - Nanjing Bank has launched various innovative financial products, including the "ecological loan" and the first "near-zero carbon factory-linked loan" in the province, to support the green transformation of traditional industries [3] Group 3: International Business and Consumer Support - The bank is optimizing its cross-border financial product and service system, launching the upgraded "Export Quick Loan 2.0" to support foreign trade enterprises and meet diverse financing needs [4] - Nanjing Bank has initiated a special action to boost consumption, introducing a comprehensive upgrade of its consumer finance product service system, including the "Su Travel Loan" and various measures to stimulate consumer demand [4][5]

Core Viewpoint - Nanjing Bank's 2025 semi-annual report indicates robust growth in core operating indicators, balanced development across strategic business segments, and an overall improvement in quality, showcasing sustainable development in scale, quality, structure, and efficiency [1] Group 1: Financial Performance and Strategy - Nanjing Bank has implemented a new five-year strategic plan, leading to steady growth in key financial metrics [1] - The bank's green finance loan balance reached 25.83 billion yuan, an increase of 5.62 billion yuan, representing a growth rate of nearly 28% compared to the beginning of the year [3] Group 2: Support for Innovation and Industry - The bank focuses on key areas such as "two highs and two new" and new quality productivity, enhancing credit support for these sectors to align financial services with high-quality economic development [3] - Nanjing Bank has launched various financial products to support technology innovation, including the "Xing E Technology Enterprise" service, which has served nearly 26,000 clients [3] Group 3: International Business and Trade - The bank is optimizing its cross-border financial product and service system, promoting the synergy between international business and free trade zone operations [4] - Nanjing Bank has introduced the "Export Quick Loan 2.0" to support foreign trade enterprises, achieving full coverage of various export clients [4] Group 4: Consumer Finance Initiatives - The bank has launched a special action to boost consumption, introducing 20 new measures to enhance consumer scenarios and stimulate demand [4] - By the end of the second quarter, the bank's personal loan balance was approximately 332 billion yuan, an increase of nearly 11.8 billion yuan, with a growth rate of 3.67% [5]

Core Insights - The signing ceremony in Hekou County's Zhaomao Town marked a significant financial innovation where seven tea companies secured 15.2 million yuan in unsecured loans based on ecological credit, demonstrating a breakthrough in the ecological value transformation mechanism in Hubei Province [1][2] Group 1: Financial Innovation - The "Ecological Loan" initiative allows expected ecological product revenues to serve as a basis for loans, facilitating the transformation of ecological product value and injecting new vitality into rural revitalization [2] - The loans are primarily used for paying tea farmers for fresh leaves, utilizing organic fertilizers, and installing energy-saving equipment, which is projected to directly increase the tea industry's value by nearly 1 billion yuan [2] Group 2: Ecological Value Accounting - The GEP (Gross Ecosystem Product) accounting report for Zhaomao Town indicates a total ecological value of 14.679 billion yuan, encompassing various services such as water conservation and carbon sequestration [1] - The GEP accounting consists of three components: material supply value, regulatory service value, and cultural service value, which are essential for assetizing ecological resources [1] Group 3: Policy and Development - Hekou County is developing local standards for GEP accounting and planning to establish an ecological product trading center to promote the conversion of ecological value into economic and social value [3] - The practice in Zhaomao serves as a replicable model for the ecological compensation mechanism along the Yangtze River Economic Belt, indicating a shift in development concepts [3]

Core Insights - The article highlights the innovative financial solutions provided by Chongqing Bank to support ecological development and the transformation of ecological value into economic capital [2][3][5] Group 1: Financial Innovations - Chongqing Bank launched the first "collective forest land management rights + ecological product value" mortgage loan in the city, amounting to 45 million yuan, aimed at revitalizing local industries such as homestays and mushroom cultivation [2][3] - The bank successfully completed the mortgage registration of 1,053 acres of collective forest land, addressing challenges related to unclear ownership and difficult assessments [3][5] - The bank's green finance scale exceeded 58 billion yuan by 2024, with an annual growth rate of over 30% [2][7] Group 2: Ecological Value Assessment - The bank introduced third-party assessment agencies to scientifically quantify ecological value, determining the total value of the forest land in the project area to be 210 million yuan [5][6] - The financing will be directed towards enhancing local ecological industries, effectively converting ecological advantages into tangible benefits for the community [5][6] Group 3: Broader Impact on Green Finance - Chongqing Bank's initiatives are part of a larger trend in the region, with other companies also benefiting from green loans linked to their environmental performance [6][7] - The establishment of an ESG rating system and various green financial standards supports the sustainable development of over 1 million enterprises [7][8] - The bank's efforts contribute to the broader goal of transforming ecological visions into economic realities, promoting a sustainable development model in the region [7][8]

Core Viewpoint - The Chinese government is implementing policies to support the renewal of agricultural machinery, which is crucial for improving the quality and efficiency of spring farming. Financial institutions are playing a key role in facilitating these policies and providing necessary funding to agricultural entities [1][4]. Group 1: Policy Implementation - The National Development and Reform Commission and the Ministry of Finance have issued notifications to expand support for the scrapping and updating of agricultural machinery as part of the "Two New" policy [1]. - The Ministry of Agriculture and Rural Affairs has emphasized the importance of continuing the agricultural machinery scrapping and updating subsidy policy to accelerate structural adjustments in agricultural machinery [1]. Group 2: Financial Solutions for Agricultural Entities - Zhejiang Rural Commercial Bank has introduced the "Common Prosperity·Agricultural Security Loan" to address the urgent funding needs of agricultural enterprises like Daofu Agriculture, which is seeking to modernize its operations [2]. - The bank provided a quick credit approval of 6 million yuan to Daofu Agriculture, enabling the purchase of advanced agricultural machinery such as drones and dryers, which significantly enhance productivity and reduce pesticide usage [2]. Group 3: Financial Support Mechanisms - Jiangshan Rural Commercial Bank is offering low-interest loans to help farmers update their agricultural machinery, with no fees and third-party guarantee for the deposit, thus reducing the financial burden on farmers [3]. - The bank has established a seamless connection between loan applications and policy subsidies, allowing farmers to apply for loans at the point of purchase [3]. Group 4: Challenges and Solutions - Many agricultural producers face financial constraints, and while government subsidies cover direct costs, bank financing offers more flexibility and comprehensiveness [4]. - Banks are providing personalized repayment plans based on the seasonal income of farmers, along with services like account management and financial consulting to enhance financial efficiency [5]. Group 5: Risk Management and Financial Inclusion - Financial institutions are focusing on risk control while promoting inclusive finance by lowering entry barriers and expanding support for farmers needing machinery updates [6][7]. - The introduction of third-party guarantees and direct payments to machinery suppliers helps mitigate risks associated with loan defaults and ensures proper use of funds [7]. Group 6: Innovative Financial Products - Jiangshan Rural Commercial Bank has launched specialized products like grain purchase order financing and ecological loans to support the renewal of old agricultural machinery [8]. - Future plans include creating a collaborative network involving financial services, industry, and technology to enhance agricultural asset credit assessments [8].