智通财经记者 | 杨志锦 这一转变，离不开绿色金融的持续赋能。自2022年起，兴业银行累计为福清龙江中下游综合治理工程项 目提供2.17亿元绿色优惠贷款，显著降低了项目融资成本，保障了工程顺利推进。 龙江之变，是绿色金融润泽千山万水、惠及亿万民众的一个缩影。从2005年"两山"理念（绿水青山就是 金山银山）引领，到2015年中共中央、国务院在《生态文明体制改革总体方案》中首次将"建立绿色金 融体系"上升为国家战略，再到2023年中央金融工作会议将"绿色金融"列为金融工作"五篇大文章"之一 ——绿色金融已逐步形成从理念到实践、从顶层设计到市场落地的发展脉络，持续为我国生态文明建设 注入金融动力。 作为国内较早开展绿色金融业务的商业银行，兴业银行在该领域进行了积极探索，多项业务指标位居市 场前列。截至2025年6月末，兴业银行绿色贷款余额达10756亿元，继续保持股份行首位，贷款支持项目 实现年减排二氧化碳2786万吨、年节水1836万吨。在全球最大指数公司明晟ESG评级结果中，兴业银行 是唯一一家连续六年获得境内银行业最高评级的银行。 市场也高度关注绿色金融实践中的三大难题：如何将"绿水青山"所蕴含的生态价值通 ...

Core Viewpoint - Green finance is both a national strategy and a critical aspect of bank transformation, with Shandong Bank focusing on supporting the "dual carbon" goals and promoting green development through increased green credit investments [1][11]. Green Finance Development - Shandong Bank has prioritized green finance, increasing its green loan balance to nearly 200 billion yuan by the end of July 2025, with an addition of 48.6 billion yuan since the beginning of the year [1]. - The bank actively supports clean energy and ecological environment industries, meeting the green development needs of enterprises and projects [1]. Product and Service Innovation - Shandong Bank has developed a diversified product service system to meet customer needs, including the innovative carbon emission rights pledge loan, which uses carbon quotas and certified voluntary emission reductions as collateral [3]. - The first carbon emission rights pledge loan was approved in just eight working days, providing a wind power company with a loan of 100 million yuan [3]. EOD Model Implementation - The EOD (Ecological Environment-Oriented Development) model integrates ecological restoration with profitable industries, creating a funding pool for environmental governance [4]. - Shandong Bank has streamlined the financing process by synchronizing project feasibility assessments with financing, significantly improving project efficiency [4]. Financial Support for Projects - The bank's collaborative efforts led to a 20 billion yuan financing intention for an EOD project within four days, reducing the typical review period by 30 days [4][5]. - The EOD project is expected to create thousands of jobs and generate billions in regional output, establishing a sustainable cycle of governance and revenue [5]. Speed in Financing Energy Projects - Shandong Bank has actively supported the construction of clean energy projects, such as a 300MW photovoltaic project, by quickly approving a 400 million yuan fixed asset loan [7][8]. - The bank completed the loan disbursement process in just three days, demonstrating its commitment to rapid financing for energy projects [8]. Comprehensive Financial Services - For the Tai'an pumped storage power station project, Shandong Bank has provided over 1 billion yuan in funding, increasing its credit share from 17.73% to 30.06% [10]. - The bank has expanded its financial services to cover various aspects, including project financing, labor wage services, and personal financial products [10]. Institutional Framework for Green Finance - Shandong Bank has established a Green Finance Committee to oversee and implement green finance initiatives, creating a clear framework for resource allocation and product innovation [11]. - The bank aims to continue enriching its financial offerings and innovating products to support high-quality economic and social development [11].

Group 1 - The core viewpoint of the news is the successful implementation of the first "Longjiang Green Carbon Pledge Loan" project in Heilongjiang Province, facilitated by Harbin Bank and various government departments, aimed at promoting green finance and carbon asset utilization [1][2] - Harbin Bank has launched multiple green financial products, including "New Quality Loan," "Sustainable Development Linked Loan," and "Carbon Emission Rights Pledge Loan," reflecting its commitment to green development [2] - The bank's green loan balance reached nearly 18 billion yuan by June 2025, with an increase of over 6 billion yuan since the beginning of the year, ranking first among 21 banking institutions in the province for new issuance [2] Group 2 - Harbin Bank plans to leverage the "Longjiang Green Carbon" project to deepen cooperation with government and enterprises in various sectors, including carbon finance, forest economy, and ecological tourism, aiming to create economic and social benefits [3] - The bank's initiatives are expected to enhance the ecological product value realization pathways in Heilongjiang Province, contributing to the region's green economic development [3]

Core Insights - Harbin Bank successfully launched the first "Longjiang Green Carbon Pledge Loan" project in Heilongjiang Province, providing a credit of 10 million yuan to Mudanjiang Xiangshui Agricultural Co., Ltd. This initiative aims to facilitate the conversion of ecological resource value in the province [1] Group 1: Project Implementation - The project was guided by the People's Bank of China Heilongjiang Branch and other government departments, showcasing a collaborative effort across multiple departments within Harbin Bank [1] - The loan was secured against carbon sink assets, with the bank designing a comprehensive financial service plan based on the enterprise's industry, operational characteristics, and credit status [1] Group 2: Green Finance Strategy - Harbin Bank has been actively implementing a green development strategy, launching various financial products such as "New Quality Loans" and "Carbon Emission Rights Pledge Loans" [2] - The bank's green loan balance reached nearly 18 billion yuan by June 2025, with an increase of over 6 billion yuan since the beginning of the year, ranking first among 21 banks in the province for new issuance [2] Group 3: Future Plans - The bank plans to leverage the "Longjiang Green Carbon" project to deepen cooperation with government and enterprises in areas such as carbon finance, forest economy, and ecological tourism, aiming to create diverse economic and social benefits [6]

Core Concept - The article emphasizes the progress made in ecological protection and green development in China over the past 20 years, highlighting the implementation of the "Two Mountains" theory and the establishment of innovative financial mechanisms to support sustainable practices [1] Ecological Compensation and Cooperation - The ecological environment in the Shandong Yellow River Delta National Nature Reserve has improved significantly, with 5.3 billion cubic meters of ecological water replenishment in the past three years, leading to increased biodiversity and tourism [2] - Shandong and Henan provinces have established a horizontal ecological compensation agreement to incentivize upstream provinces to protect water quality, with Shandong having disbursed 250 million yuan in ecological compensation to Henan [2] - Shandong has developed a comprehensive horizontal ecological compensation mechanism, with total compensation reaching 2.229 billion yuan, promoting shared responsibility for ecological protection [3] Green Insurance and Carbon Market - The introduction of carbon insurance products aims to support businesses in their green transitions, with companies like Xiamen Futec purchasing blue carbon to offset emissions [4][5] - Blue carbon insurance provides security for transactions, ensuring compensation for losses due to natural disasters or accidents [5][6] - Insurance companies are also increasing their investments in green projects, such as green bonds and equity investments, to support clean energy initiatives [7] Green Taxation and Technology Innovation - Tax incentives are effectively guiding companies towards reducing emissions, with a mechanism that lowers environmental protection tax for lower emissions [8][10] - The development of a digital twin energy management platform in Hainan demonstrates how tax policies can accelerate technological innovation in green energy [9][10] Green Bonds and Circular Economy - The Shandong Hongqiao Group has successfully issued green bonds totaling 600 million yuan to fund its recycling aluminum production, significantly reducing energy consumption and waste [11][12] - The issuance of green bonds has lowered financing costs and extended repayment periods, enhancing the company's commitment to ESG principles [12][13] Carbon Finance Development - The use of carbon emission rights as collateral for loans has emerged, with companies like Hubei Huangmailing Phosphate Chemical obtaining significant financing to support their green initiatives [15][16] - Hubei's financial institutions have issued 31 carbon emission rights pledge loans, facilitating 941 million yuan in financing for various projects [16] - The carbon market is evolving, with plans for carbon futures to provide risk management tools for emission-controlling enterprises [17]

Group 1 - The core viewpoint of the article highlights the successful implementation of supply chain finance services that enable companies to access unsecured loans based on order data, significantly improving cash flow efficiency [1][2] - Tianjin Development Zone Xiante Network System Co., Ltd. reported a 40% increase in fund turnover efficiency after utilizing the "Order e" product from Minsheng Bank, which provided 10 million yuan in funding without collateral [1] - The "Win-Win for Enterprises" supply chain finance service exchange event, led by State Grid Tianjin Material Company, integrated resources from 12 financial institutions to assist over 50 enterprises in addressing funding challenges [1][2] Group 2 - The event featured participation from various quality financial institutions, including Agricultural Bank, Everbright Bank, and others, introducing innovative green financial products such as "carbon emission rights pledge loans" [2] - State Grid Tianjin Material Company aims to enhance the supply chain business environment by providing on-site financial services, themed salons, and targeted promotions to facilitate capital flow among power companies, private enterprises, and financial institutions [2] - The company has helped private enterprises release 376 million yuan in funds through guarantee insurance alternatives this year, emphasizing the goal of making inclusive finance accessible to the entire supply chain [2]

Core Viewpoint - The article discusses the launch of the carbon benefit platform in Shanghai and the broader implications of carbon trading and environmental asset monetization in China, highlighting the integration of individual low-carbon actions into a quantifiable and beneficial framework for both citizens and businesses [1][2][4]. Group 1: Carbon Benefit Mechanism - The carbon benefit platform allows citizens to open personal carbon accounts that automatically record low-carbon activities, converting them into carbon credits [2][3]. - As of now, 27 regions in China have established carbon benefit systems, with a notable increase in user engagement, such as 270,000 new users in Wuhan's platform [2][3]. - The integration of low-carbon behaviors with financial incentives, such as using carbon credits to offset bank loan interest, is becoming a significant trend [3]. Group 2: Marketization of Environmental Resources - The recent policy aims to enhance the marketization of carbon emissions rights, water rights, and pollution rights by 2027, promoting a more active trading market and efficient resource allocation [4][5]. - Companies are increasingly able to leverage carbon emission rights as collateral for loans, with examples such as a company in Hubei securing a 10 million yuan loan against its carbon rights [4][5]. - The establishment of a robust market mechanism is expected to provide businesses with more financing options through environmental asset monetization [5][6]. Group 3: Integration with Carbon Markets - The carbon benefit reductions achieved by individuals can now be integrated into carbon market compliance mechanisms, allowing for a seamless connection between personal low-carbon actions and corporate carbon obligations [5][6]. - Pilot carbon markets in cities like Beijing, Guangdong, and Shanghai have recognized the value of carbon benefit reductions as a supplementary offset mechanism, which helps reduce compliance costs for regulated companies [6].

2025年4月23日，人民银行深圳市分行、国家外汇管理局深圳市分局联合举行2025年第一季度新闻发布 会，详细介绍了深圳金融运行情况及在金融"五篇大文章"——科技金融、绿色金融、普惠金融、数字金 融以及跨境金融方面的最新进展与成效。 据悉，为深入贯彻《国务院办公厅关于做好金融"五篇大文章"的指导意见》，在中国人民银行和国家外 汇管理局的指导下，在深圳市委、市政府的支持下，人民银行深圳市分行牵头出台了深圳金融"五篇大 文章"各领域实施方案，强化金融政策与产业政策的协同配合，构建了"1+5"精细化政策框架。 数据显示，截至一季度末，全市科技型企业贷款余额达到1.23万亿元，绿色贷款余额为1.27万亿元，普 惠小微贷款余额为1.90万亿元，均居全国各城市前列，彰显了深圳在金融"五篇大文章"方面的显著成 效。 在绿色金融领域，深圳同样走在全国前列。人民银行深圳市分行通过完善激励约束机制、开展金融机构 绿色金融评估等措施，有效推动了绿色金融的发展。同时，联合市生态环境局、发改委等部门做好气候 投融资等项目融资对接，持续推动碳减排支持工具落地。截至一季度末，商业银行发放碳减排贷款金额 达到180亿元。联合市生态环境局、地 ...

Core Viewpoint - Hubei province is leveraging its ecological advantages to develop a carbon finance ecosystem, with the establishment of the national carbon market registration and settlement platform ("Zhong Carbon Registration") in Wuhan serving as a catalyst for innovation in carbon financial products and services [1][2]. Group 1: Carbon Finance Development - The People's Bank of China Hubei Branch has been actively promoting financial product and service innovation based on green assets, leading to the emergence of pioneering products such as carbon emission rights pledge loans and carbon asset custody [2]. - The current development of carbon finance in China faces several bottlenecks, including the unclear legal status of carbon emission rights, which complicates their pledge and collateralization [2][3]. Group 2: Legal and Regulatory Recommendations - To protect the rights of financial institutions in carbon emission rights pledge loans, it is recommended to establish national-level management measures and operational guidelines for carbon quota registration, pledging, and disposal [3]. - The suggestion includes utilizing the Zhong Carbon Registration's freezing function for pledged carbon emission rights to mitigate risks such as double pledging [3]. Group 3: Market Participation and Infrastructure - Financial institutions are currently unable to directly participate in the national carbon market, which limits the development of carbon finance and may lead to asset losses in case of loan defaults [4]. - It is proposed that financial institutions be allowed to participate in the national carbon emission rights trading market to enhance market liquidity and ensure the legality of their trading qualifications [4]. Group 4: Future Directions for Carbon Finance - Support is recommended for the Zhong Carbon Registration to leverage its core infrastructure advantages to establish a carbon clearinghouse in Wuhan, attracting various carbon finance entities and fostering innovation in carbon finance [5]. - The creation of a "Zhong Carbon Index" is suggested to stabilize carbon price expectations and provide clear pricing signals for carbon asset rights, trading, and pricing [5].