转自：草原云 记者从中国人民银行内蒙古自治区分行获悉：截至2025年末，内蒙古农业转型金融贷款授信达2.88亿 元，贷款余额1.38亿元，覆盖9个盟市、惠及10家农业经营主体，为传统农业绿色转型发展注入强劲金 融动能。 围绕农业低碳转型关键环节，内蒙古金融机构精准发力，将信贷资源投向绿色种植、生态养殖、农畜产 品加工等重点领域，满足企业减排需求。内蒙古农村商业银行阿拉善盟中心支行为阿拉善左旗吉兰泰镇 慧科种植养殖专业合作社发放990万元农业转型金融贷款，助力企业构建"源头消减—过程控制—末端利 用"全链条减排体系。 立足农业产业特点和转型需求，内蒙古探索创新开发"转型金融+"融合模式，形成一批可复制、可推广 的农业转型金融服务模式。中国建设银行呼伦贝尔分行为呼伦贝尔农垦现代牧业有限公司授信1.5亿元 碳减排挂钩贷款，为内蒙古首笔"碳标签"标识的农业转型金融贷款；内蒙古农村商业银行赤峰中心支行 为赤峰市天拜山饮品有限责任公司提供1200万元"转型金融+碳足迹挂钩"的农业可持续发展挂钩贷款， 支持企业建立"原料-加工-包装-运输"全周期碳足迹模型。 在政策激励方面，内蒙古推动金融机构建立健全激励约束机制，强化风险 ...

面向未来，胡建国表示，邮储银行湖南省分行将围绕湖南绿色制造、清洁能源等重点领域，发挥城乡双 轮驱动优势，推动绿色金融与普惠金融融合，力争形成可推广的"邮储银行湖南模式"，做湖南绿色经济 发展的价值发现者、资源整合者与坚定同行者。 编辑：高嘉赢 转自：新华财经 新华财经长沙12月17日电 "新华财经看湖南·对话湖南银行家"系列访谈近日全新上线，节目通过面对面 的思想碰撞与经验分享，旨在系统展现湖南金融业做好"五篇大文章"、服务实体经济的特色路径与扎实 成效。本期节目对话中国邮政储蓄银行湖南省分行党委书记、行长胡建国，聚焦该行如何助力绿色发 展。 邮储银行湖南省分行以打造省内"绿色金融标准制定与践行银行"为目标。胡建国表示，实现这一目标的 关键在于构建"可衡量、可追溯、可激励"的绿色金融体系。为此，该行从三方面扎实推进相关工作：在 机制建设上，成立绿色金融委员会，给予资源倾斜；在标准制定上，在省内率先系统化开展企业碳核 算，已完成867户企业碳排放核算；在产品创新上，推出"碳减排挂钩贷款"，将利率与减排成效挂钩， 变"要求绿色"为"激励绿色"。 在碳金融化探索中，该行首推个人碳账户并深化企业碳核算。"这一举措有利 ...

Core Insights - Under the "dual carbon" goals, China's green finance policy system is continuously improving, with Industrial Bank's Chengdu branch innovatively implementing "carbon reduction-linked loans" to support high-quality green development in Sichuan Province [1] Group 1: Carbon Reduction-Linked Loans - Carbon reduction-linked loans are an innovative green financing model that ties loan interest rates to various carbon emission metrics of borrowers, incentivizing low-carbon operations [1] - The loans are aimed at two types of enterprises: those in the renewable energy sector and high-carbon industries that are adopting green technologies [1] Group 2: Case Study - Sichuan Luobu New Materials Technology Co., Ltd. - Sichuan Luobu focuses on research and development of plant nutrition fertilizers for drones and has developed a series of fertilizers that significantly improve nutrient utilization [2] - The bank collaborated with Luobu to create a long-term transformation plan, linking loan interest rates to carbon reduction targets, resulting in a carbon reduction loan of 10 million yuan to support the company's green transition [2] Group 3: Case Study - Resource Recycling Company in Leshan - The bank issued a carbon reduction-linked loan of 79 million yuan to a leading new building materials manufacturer, encouraging green technology upgrades and linking loan rates to annual carbon emission intensity [3] - The company specializes in low-carbon cement alternatives made from industrial waste, addressing high upgrade costs and carbon asset valuation challenges [3] Group 4: Overall Impact of Green Financing - Industrial Bank's Chengdu branch has launched various innovative financial products, providing over 1.2 billion yuan in support for green initiatives, with a green loan balance of nearly 39 billion yuan as of July [3] - The expected annual savings from these initiatives include 67,300 tons of standard coal and a reduction of 219,800 tons of carbon dioxide emissions [3]

Core Insights - The establishment of the "Four-Party Linkage" mechanism for green finance in Qingdao is aimed at enhancing the construction of a beautiful Qingdao [1] - A white list of 30 quality projects for financial services related to the beautiful Qingdao construction has been released, with planned financing exceeding 14.9 billion yuan [1] Green Finance Development - Green finance is recognized as a crucial force for promoting sustainable economic and social development [1] - Shandong has been encouraging financial institutions to develop distinctive products, exploring new tools such as carbon emission-linked loans and environmental pollution liability insurance [1] - As of the end of September this year, the balance of green loans in Qingdao reached 604.71 billion yuan [1] Innovative Financing Models - The "Qing Carbon Financing" model has been created, with a special quota of 3 billion yuan allocated for supporting agriculture and small enterprises [1] - Carbon reduction support tools have facilitated the issuance of 4.593 billion yuan in carbon reduction loans [1] - Several pioneering green finance transactions have been successfully executed nationwide [1]

Core Insights - The article highlights the 21-year journey of Industrial Bank's Zhengzhou Branch, emphasizing its deep integration with the economic development of Henan province and its contributions to various key initiatives such as the construction of the Zhengdong New District and the "Belt and Road" initiative [1] Financing and Investment - In 2023, Industrial Bank's Zhengzhou Branch provided nearly 140 billion yuan in financing support to local enterprises, focusing on sectors like new materials, new energy vehicles, electronic information, advanced equipment, and modern medicine [2] - The bank has developed a "technology flow" credit evaluation system to support innovative enterprises, exemplified by a 160 million yuan loan to a high-tech materials company for equipment upgrades and carbon reduction [2] - The branch has issued over 6 billion yuan in merger loans to facilitate the restructuring of state-owned enterprises and has attracted 13.5 billion yuan in investment from insurance and leasing sectors [3] Green Finance Initiatives - As a pioneer in green finance, the Zhengzhou Branch has implemented carbon reduction-linked loans, with the first of its kind in Henan, promoting low-carbon transitions for companies [4] - The bank's green finance loan balance reached 28.3 billion yuan by the end of September, an increase of 4 billion yuan since the beginning of the year [4] Inclusive Financial Services - The bank has supported over 6,500 small and micro enterprises with loans exceeding 14 billion yuan, focusing on sectors like foreign trade, private enterprises, and technology [5] - Initiatives such as the "Smart Market System" have been launched to enhance digital financial services, benefiting over 1,000 merchants in various markets [6] Pension Financial Services - The Zhengzhou Branch has opened over 230,000 personal pension accounts, addressing the financial needs of the elderly population [7] - The bank has also initiated community outreach programs to support elderly care and has developed a comprehensive financial ecosystem for the pension industry [7]

Core Insights - The article emphasizes the importance of green finance in the banking sector, particularly in the context of China's "Two Mountains" theory and the 20th anniversary of its proposal [1] - Industrial Bank has been a pioneer in green finance, launching the first energy efficiency project financing product in 2006 and achieving significant growth in green loans and bond underwriting [1][2] - The bank's green loan balance reached 1,075.6 billion yuan by June 2025, with a cumulative increase of 756.2 billion yuan since the end of 2020, reflecting a 237% growth [2] Group 1: Organizational Structure and Digitalization - Industrial Bank has established a robust organizational structure and digital initiatives to support its green finance operations, including a dedicated green finance department and a digital platform for managing green projects [4][5] - The bank's digital platform, "Point Green to Gold," was launched in 2017 and has been enhanced to include a comprehensive carbon management service platform in 2023, aiding in project identification and environmental impact assessment [5][6] Group 2: Product Innovation and Service Models - The bank has developed a three-tiered product and service system for green finance, which includes diverse group products, specialized "dual carbon" services, and targeted industry solutions [6][8] - In the first half of the year, Industrial Bank launched over 340 innovative green finance products, amounting to more than 25.9 billion yuan [6] Group 3: Case Studies and Partnerships - The bank has successfully partnered with Huafeng Group, a leader in green textiles, providing financial support for multiple projects and demonstrating its competitive advantages in approval efficiency and interest rate discounts [2][3] - For the "Fuqing Longjiang River Comprehensive Governance Project," the bank approved loans of 217 million yuan in under a month, showcasing its effective operational capabilities in green finance [4][8] Group 4: Climate-Friendly Financing Mechanisms - Industrial Bank has introduced a mechanism linking loan interest rates to borrowers' environmental performance, incentivizing companies to enhance their green practices [3][7] - The bank's climate-friendly project scoring system evaluates projects based on various environmental criteria, influencing loan terms and promoting sustainable practices [7][8] Group 5: Commitment to Carbon Reduction - Since 2025, the bank has facilitated carbon reduction-linked loans totaling 65.52 billion yuan and has developed various carbon financial products to support enterprises in their low-carbon transitions [9]

Core Insights - The banking industry is undergoing profound changes, with large banks like the Industrial and Commercial Bank of China (ICBC) focusing on balancing stability and innovation to maintain competitiveness in a volatile macroeconomic environment [1][2] Financial Performance - ICBC reported a revenue of 427.1 billion yuan, a year-on-year increase of 1.57%, and a net profit of 168.1 billion yuan for the first half of 2025 [1] - The total assets of ICBC reached 52.32 trillion yuan, growing by 7.2% compared to the end of the previous year, with customer deposits amounting to 36.90 trillion yuan [1] - The bank's annualized average total asset return rate and annualized weighted average net asset return rate were highlighted as indicators of its robust financial health [2] Recognition and Awards - ICBC was ranked 1st in the 2025 Global Bank 1000 list by The Banker magazine, with a capital base of 541 billion USD, reinforcing its leading position in the global banking sector [2] - The bank received the "Best Large Corporate Bank in China" award from EuroMoney magazine, showcasing its excellence in corporate finance [3] Support for the Real Economy - ICBC's core mission is to support the real economy, with a focus on directing financial resources to key areas of economic development [4] - The bank's loans to the manufacturing sector exceeded 5 trillion yuan, leading the industry in this area [4] Loan Structure and Innovation - ICBC has improved its loan structure, with a rising proportion of medium- and long-term loans, particularly in high-end equipment, smart manufacturing, and green manufacturing sectors [4] - The bank has implemented innovative practices such as the "Loan Clarity Paper" to help small and micro enterprises understand their financing costs [4] Internationalization and Digitalization - ICBC is expanding its international presence, with operations in 49 countries and regions, and is focusing on digital cross-border financial products to reduce costs for small and micro enterprises [5][6] - The bank is also advancing its green finance initiatives, with green loan balances surpassing 6 trillion yuan and a commitment to supporting ecological projects [6] Strategic Development - ICBC aims for high-quality growth by not only expanding but also strengthening and optimizing its operations, focusing on sustainable development in line with global trends [5][6] - The bank's strategic framework includes intelligent risk management, digital innovation, and a diversified structure to enhance its competitive advantage [6]

Core Viewpoint - Postal Savings Bank is actively implementing policies to optimize green financial services and support the construction of zero-carbon parks in the context of the "dual carbon" goals [1] Group 1: Support for Zero-Carbon Park Construction - Changsha Airport Economic Demonstration Zone has established a 20MW distributed photovoltaic power generation system, covering 80% of factory rooftops, resulting in an annual reduction of approximately 18,000 tons of CO2 emissions [2] - Postal Savings Bank's Hunan branch has set up a 5 billion yuan green credit quota to provide preferential loans for photovoltaic and energy storage projects, with interest rates reduced by 10% to 15% from the benchmark [2] - The bank has also launched the first "carbon reduction-linked loan" in the province, where interest rates are dynamically adjusted based on the company's emission reduction targets [2] Group 2: Continuous Optimization of Green Financial Services - The Hu-Su Zero-Carbon Digital Industrial Park project in Suzhou requires significant continuous funding support for construction [3] - Postal Savings Bank's Jiangsu branch has developed a "precise matching + flexible adaptation" service model to meet the project's funding needs in green building, photovoltaic applications, and smart energy management [3] - The bank has strengthened collaboration with local governments, industry associations, and related enterprises to create a supportive ecosystem for green industry services [3] Group 3: Commitment to Green Financial Services - Postal Savings Bank aims to continuously optimize green financial services by selecting projects, innovating models, improving mechanisms, and building ecosystems to contribute more to achieving the "dual carbon" goals [4]

Core Viewpoint - The construction of the salt cavern energy storage base in Feicheng, Shandong Province, exemplifies the financial support for green and low-carbon transformation, with significant investments and policy initiatives driving the development of the new energy sector [1][2][3][4] Financial Support Mechanisms - The People's Bank of China (PBOC) in Tai'an has implemented a comprehensive policy framework to support green low-carbon transformation, focusing on enhancing policy systems, organizational structures, and innovative financial products [1][2] - By the end of Q2 2025, the credit scale for the new energy storage industry in Feicheng reached nearly 20 billion yuan, with green loan growth outpacing the average growth of all loans [1][2] Organizational Framework - A cooperation memorandum was signed between the PBOC Tai'an branch and the Feicheng government to facilitate the sharing of financial policies and data, establishing a collaborative financial service management mechanism [3] - The PBOC has initiated the creation of green financial specialty branches in Feicheng to enhance the focus and capability of financial institutions in providing green financial services [3] Financial Resource Supply - The PBOC has guided financial institutions to innovate specialized products such as "green project loans" and "carbon reduction-linked loans" to support the capital-intensive new energy storage industry [4] - The successful connection of the 300MW advanced compressed air energy storage demonstration power station in Feicheng was supported by a 750 million yuan green project loan from the PBOC, significantly lower than conventional loan rates [4] - Feicheng has established 22 new energy storage projects with a total investment of 34 billion yuan, with financial institutions approving nearly 20 billion yuan in credit to support these initiatives [4]

Core Viewpoint - The Shandong Provincial Government has issued an implementation plan for the "Five Major Financial Articles," aiming to enhance high-quality financial services to support the development of new productive forces by 2027, with specific growth targets for various financial sectors [1][11]. Group 1: Focus Areas of the Implementation Plan - The plan emphasizes five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance, providing clear pathways and strong support for innovation and development in these sectors [2][11]. - It aims for an annual growth rate of no less than 20% for loans to technology-based SMEs and green loans, with at least 100,000 new "first loan" households in the inclusive finance sector each year [1][11]. Group 2: Technology Finance - The plan includes the establishment of distinctive brands such as "Lu Ke Loan" and encourages the development of innovative financial products like knowledge property pledge loans and acquisition loans [2][14]. - It supports the issuance of technology innovation bonds by qualified financial institutions and technology enterprises, focusing on early, small, long-term, and hard technology investments [2][14]. Group 3: Green Finance - Financial institutions are encouraged to develop 1-2 distinctive green financial products tailored to regional industrial structures, expanding the range of green finance offerings [3][14]. - The plan promotes the use of carbon reduction metrics in loan assessments and encourages the issuance of carbon-neutral and blue bonds to enhance financing channels [3][14]. Group 4: Inclusive Finance - The plan aims to strengthen mechanisms for lending to private and small enterprises, enhancing the availability of first loans, credit loans, and medium to long-term loans [3][14]. - It supports the establishment of inclusive finance service areas in rural revitalization, focusing on key sectors such as food security and agricultural technology [3][14]. Group 5: Pension Finance - The implementation of a personal pension system and the gradual promotion of commercial pension business trials are key components of the plan [4][14]. - Financial institutions are encouraged to develop specialized services and products tailored to the needs of the elderly population [4][14]. Group 6: Digital Finance - The plan emphasizes the digital transformation of financial institutions to enhance service capabilities across various financial sectors [4][15]. - It aims to promote the sharing and application of financial and public data while exploring innovative financing models based on data rights [4][15]. Group 7: Policy Integration and Support - The plan outlines the need for policy integration and coordination, aiming to secure an additional 800 billion yuan in loans for technological innovation and transformation [5][14]. - It encourages the use of government guiding funds to leverage more financial resources for the key areas outlined in the "Five Major Financial Articles" [5][14]. Group 8: Risk Prevention - The plan includes measures to combat illegal fundraising and financial crimes related to the "Five Major Financial Articles," ensuring market order and social stability [7][16]. - It emphasizes the importance of financial institutions adhering to risk management practices and enhancing compliance checks on financial products [7][16].