Core Viewpoint - The article highlights the efforts of Jiujiang Bank in promoting green finance and supporting ecological transformation in Jiangxi province, particularly along the Yangtze River Economic Belt, through innovative financial products and services aimed at sustainable development [1][2][3]. Group 1: Green Finance Initiatives - Jiujiang Bank established Jiangxi's first green finance division in 2017 and has since integrated ESG principles into its operations, enhancing its green finance management system [2][3]. - The bank has issued a total of 4.05 billion yuan in carbon reduction loans, resulting in a reduction of 82,187.5 tons of CO2 equivalent emissions [2]. - As of the first quarter of 2025, the bank's green loan balance reached 40.468 billion yuan, accounting for 12.81% of total loans, with an increase of 1.98 billion yuan since the beginning of the year [2]. Group 2: Collaboration and Recognition - Jiujiang Bank is recognized as a leader in green finance in Jiangxi, being the first to join the Hong Kong Green Finance Association and sign the UN Principles for Responsible Banking [3]. - The bank has participated in international forums and conferences, sharing its experiences in green finance while learning from global best practices [3]. Group 3: Focus on Key Areas - The bank has directed green credit towards various ecological projects, including land restoration and water environment management, with a total green loan balance of 4.9 billion yuan for these initiatives [4]. - Jiujiang Bank has partnered with local enterprises to develop flexible financing solutions for the new energy shipbuilding sector, successfully approving a 100 million yuan credit for a local shipping company [4]. Group 4: Innovative Financial Products - The bank has introduced sustainable finance products like "Carbon Effect Loan," linking loan interest rates to companies' carbon emissions performance, thereby encouraging low-carbon practices [6]. - By the first quarter of 2025, the bank had issued 235 million yuan in loans through its innovative products, benefiting 40 small and medium-sized industrial enterprises [6]. Group 5: Commitment to Future Development - Jiujiang Bank aims to continue increasing its green credit offerings, supporting the green, low-carbon, and high-quality development of the Yangtze River Economic Belt [5][6].

自"双碳"目标提出以来，这一宏伟蓝图已被提升至国家战略层面，并逐步转化为具体的行动方案。从金 融行业来看，推动经济社会发展全面绿色转型，已经成了高质量发展阶段下金融服务实体经济的重要内 容之一。 近期，随着环境、社会和治理（ESG）报告/社会责任报告的陆续披露，各家银行2024年"绿色答卷"也 逐渐浮出水面。《金融时报》记者注意到，去年以来，各家银行持续推进信贷结构绿色低碳转型，绿色 金融的新业态、新模式也在逐步拓展，金融服务"含绿量"不断提升。 从新增贷款的投向来看，2024年，商业银行普遍加大了对绿色建筑、新能源领域的信贷支持力度。 招商银行（600036）在ESG报告中提到，该行去年绿色建筑按揭贷款余额549.01亿元，较上年末增加 216.83亿元；中信银行（601998）去年绿色建筑、太阳能设施建设和运营、绿色有机农业贷款增长均超 100亿元。 新能源汽车也成为多家银行信贷支持的重点领域。截至2024年末，中国银行已与数十家新能源车企建立 合作，汽车产业链授信客户超过1万家，授信余额超过2000亿元。而浦发银行（600000）通过多样化展 业模式不断做大零售新能源汽车贷款规模，新能源汽车贷款余额在汽 ...