作为绿色金融的坚定践行者，兴业银行重庆分行始终秉持"绿水青山就是金山银山"的发展理念，积极探 索金融支持文化遗产与生物多样性保护的新路径。此次贷款为大足石刻的永续传承与生态提升提供了扎 实的金融保障，形成了可复制、可推广的文旅生态融资范例，彰显了该行以金融力量守护文化根脉、赋 能绿色发展的企业担当。（李彦霓） 编辑：赵鼎 转自：新华财经 近日，兴业银行重庆盘龙支行成功向大足石刻景区投放2.93亿元贷款，标志着重庆首笔生物多样性挂钩 贷款正式落地。该笔贷款以金融创新为驱动，将文化遗产保护与生态价值提升紧密结合，实现了文化传 承、生物多样性保护与金融服务的有机融合，为世界遗产的可持续保护注入崭新动能。 国家一级保护植物等珍稀物种在大足石刻繁衍生息，形成了"石刻与自然共生"的独特生态人文景观。此 次创新型贷款突破传统融资模式，将贷款利率与石刻周边植被覆盖率、重点名木保护数量等生态指标动 态挂钩，实现"保护越好、成本越低"，推动生态效益与金融激励良性互动。 该项目的成功落地，是兴业银行重庆分行在绿色文旅金融领域的一次重要突破。通过生物多样性挂钩贷 款这一创新工具，精准支持文化遗产保护与生态修复协同推进：生态层面助力构 ...

Group 1: Climate Financing - The UN Conference on Trade and Development emphasizes the need for better climate financing support for developing countries, highlighting a significant gap between the $100 billion climate financing commitment achieved in 2022 and the $1.3 trillion target set for 2024 COP29 [2] - The report calls for systemic reforms in the international financial architecture to increase non-debt financing and improve the operations of multilateral development banks, enabling developing countries to become co-creators of rules rather than mere rule-takers [2] Group 2: Carbon Reduction Pathways - The Beijing Green Finance and Sustainable Development Research Institute released a study outlining carbon reduction pathways for six high-carbon industries from 2020 to 2060, providing a reference for financial institutions and third-party evaluations of corporate transformation plans [3] - The study suggests using a 2-degree scenario as a benchmark for assessments, aligning with China's "3060" dual carbon strategy goals, and aims to mitigate the risk of "false transformation" being included in financial support [3] Group 3: Blue Economy Financial Support - The Guangdong Province has opened a public consultation for the "Blue Industry Financial Support Guidelines," which aims to support sustainable development in marine industries, including fisheries, tourism, and marine renewable energy [4] - The guidelines provide operational principles for government, financial institutions, and enterprises, promoting standardization in blue finance and addressing challenges in identifying, quantifying, and qualifying blue economic activities [4] Group 4: Carbon Market Activity - The national carbon market reported a highest price of 62.48 yuan/ton and a closing price increase of 4.12% over the previous week, with a total trading volume of 16,774,989 tons and a total transaction value of approximately 1 billion yuan [5] - Cumulative trading volume in the national carbon market reached 795,940,642 tons with a total transaction value of approximately 53.29 billion yuan as of November 14, 2025 [5] Group 5: Green Financial Instruments - Shanghai Pudong Development Bank issued its first green financial bond of the year, totaling 20 billion yuan with a fixed interest rate of 1.73%, indicating market confidence in green financial instruments [6] - The issuance aims to provide long-term funding support for green projects, reflecting the growing recognition of green finance in the market [6] Group 6: Biodiversity Financing - The first biodiversity-linked loan in Ya'an, Sichuan Province, was issued for 478 million yuan, utilizing a combination of policy-based financial tools and market financing to meet project funding needs [7] - This loan integrates biodiversity impact assessments to monitor ecological effects, promoting a win-win scenario for ecological protection and industrial development [7]

Core Viewpoint - The successful issuance of China's first biodiversity-linked loan for the germplasm industry in Zaozhuang represents a significant innovation in financing that ties loan terms to biodiversity performance metrics [2][3]. Group 1: Loan Details - Zaozhuang Bank issued a loan of 25 million yuan (approximately 3.5 million USD) for the renovation and upgrading project of the pomegranate seedling breeding and promotion base in Yicheng District, Zaozhuang City [2]. - The loan's interest rate and terms are directly linked to biodiversity performance indicators, providing incentives for companies to enhance germplasm resource protection [2][3]. - The agreement with Shandong Xingyi Health Industry Co., Ltd. stipulates that achieving specific biodiversity goals will result in benefits such as interest rate discounts of 5-30 basis points, an extension of the loan term by one year, and increased loan amounts [2][3]. Group 2: Project Significance - The project has a total investment of 311 million yuan (approximately 43 million USD) and covers an area of about 430 acres, aiming to build a tissue culture laboratory, pomegranate germplasm breeding greenhouses, and a pomegranate big data platform [3]. - Zaozhuang is recognized as "China's Pomegranate Capital" and has the largest collection of germplasm resources in the country, with 523 preserved varieties [3]. Group 3: Implementation and Assurance - To ensure the authenticity of ecological data, a dual safeguard mechanism combining technology and regulation has been established, utilizing blockchain technology for data recording and involving third-party evaluations [3]. - This innovative financial product not only supports the protection of pomegranate germplasm resources but also explores a new path for green development that links measurable ecological performance with financial resources [3].