Core Insights - The launch of the "climate loan" in Tianjin represents a significant step in integrating climate factors into the credit pricing system, promoting green and low-carbon economic development [1][2] - The "climate loan" utilizes a scientific assessment model to evaluate key climate indicators, allowing projects with favorable climate conditions to receive lower financing rates [1] - Tianjin has been actively innovating in green finance, introducing various loan products linked to environmental performance, thereby enriching the green finance product system [1] Group 1 - The "climate loan" is a collaborative effort between Industrial Bank Tianjin Branch, Tianjin Climate Center, and Equator Environmental Assessment Co., Ltd [1] - The loan is applied to a distributed photovoltaic power generation project in Binhai New Area, which assesses solar resource stability and vulnerability to extreme climate events [1] - Projects with higher climate condition scores benefit from reduced financing costs, translating their green attributes into commercial value [1] Group 2 - Financial experts view the introduction of the "climate loan" as a new milestone in Tianjin's development of a diversified green finance service system [2] - The city plans to encourage financial institutions to deepen innovation in green finance products and services, directing more funds towards green and low-carbon sectors [2]