"不仅能获得200万元种子投资，还能零租金入驻孵化器，武汉的金融服务让我们敢创 新、能投入！"近日，在2025年武创通"资"润计划路演大赛中，一位参赛选手感慨。这场路 演依托武汉投控集团的金融赋能，以"陪跑式"服务为创新项目注入成长动能，成为武汉培 育"耐心资本"、优化科创生态的生动写照。 在武汉珈联传感科技有限公司，总经理范国邦展示了一款能耐700℃高温的薄膜超声传 感器。这项源自武汉大学的成果正从实验室走向产业化，正广泛应用于航空航天、芯片制 造、高压电网等领域。 "我们是'光谷3551人才'企业，荣获了国家科技型企业和高新技术企业认定，有专利、 有技术，但初创阶段缺乏固定资产，难以达到传统信贷门槛。"范国邦坦言。 转机出现在2024年7月，交通银行自贸区分行的客户经理上门走访后，迅速为其匹配 了"人才贷"产品。凭借人才资质和专利，150万元贷款一天内到位，用于购置关键镀膜设 备。"真没想到，证明你是人才，信用就能换来'真金白银'。"范国邦感慨。 从"人才贷""科创快贷"到"科创积分贷"，武汉各金融机构正从"看砖头"转向"看专利""看 人才""看前景"。截至今年9月末，仅交通银行湖北省分行科技贷款余额已超 ...

在綦江区的山溪三美小流域，绵延的青山与蜿蜒的溪流交织成一幅动态的生态画卷。为激活沉睡的自然 资源，山溪三美小流域20年开发经营权以1.38亿元完成交易，创下中西部单笔最大水土保持生态产品转 化纪录。农发行綦江支行以其开发经营权作质押为山溪三美小流域水土保持项目投放贷款1.05亿元，是 重庆市首笔支持水土保持生态产品价值转化的绿色贷款，打通了"资源—资产—资本—资金"转化通道。 为破解生态资源交易难、变现难问题，满足多样化融资需求，中国人民银行巴南分行引导金融机构将生 态产品价值收益权纳入可接受抵押品目录，发展基于土地使用权、林权、取水权、碳排放权等各类资源 环境权益的融资工具，通过拓展市场化、多元化融资渠道有效补偿生态保护者利益。重庆三峡银行巴南 支行落地重庆首笔农村集体经营性建设土地使用权抵押贷款500万元。光大银行巴南支行为重庆紫光国 际化工有限责任公司发放碳排放权质押贷款8524万元，帮助企业盘活碳配额资产。截至2025年8月末， 辖区金融机构投放17.81亿元林权质押贷款，投放3笔、6.99亿元"取水权"质押贷款，投放2笔、5.04亿元 砂石土资源未来收益权质押贷款。 转型金融赋能 "以前庄稼收完还要 ...

据悉，截至今年11月末，中国银行（601988）深圳市分行绿色贷款余额突破2000亿元，持续领跑深圳市 场。"十四五"期间，该行绿色债券累计承销量超330亿元，服务绿色企业超700家，绿色债券承销市场份 额稳居深圳市场首位，绿色金融向高质量发展迈进。 这家分行不仅是绿色金融业务创新的"先行者"，更是绿色金融规模增长的"领跑者"。 赋能发展，成为绿色金融服务首选银行 国家"十五五"规划建议提出，加快经济社会发展全面绿色转型，建设美丽中国；广东"十五五"规划建议 也明确了稳步推进碳达峰碳中和、推动发展方式绿色转型等方向。推动发展方式绿色转型，中国银行深 圳市分行已形成一批可复制、可推广的案例，成为"绿色金融服务首选银行"。 位于深圳大梅沙的碳中和实验园区"生物圈三号"，这个建筑面积12万平方米的园区正在进行一场深刻的 绿色革命，通过建筑节能改造、可再生能源替代和碳资产开发，未来将实现运营期间碳中和。在中行 1000万元碳中和贷款支持下，该园区通过技术改造和运营优化，实现办公楼绿电占比85%，本地光伏消 纳率平均90%。 在新能源产业链的服务上，中国银行深圳市分行同样深度参与。比亚迪（002594）集团从成立之初就 ...

来源：环球网 在豫东平原的太康县产业集聚区，满载废纸的运输车在河南龙源纸业有限公司门前排成长龙；数百里 外，河南循环科技产业集团的自动化拆解车间里，机械臂正精准拆解废旧电器。 这两个看似迥异的场景，却共同描绘着中原大地绿色转型的生动图景，而在这背后，跃动着建行河南省 分行强有力的金融脉搏。 废纸重生记：从"城市垃圾"到"绿色资源" 在周口太康县产业集聚区，河南龙源纸业股份有限公司的生产线上，废纸正经历着华丽的蜕变。成捆的 废纸经过碎解、筛选、净化等数十道工序，最终变成崭新的箱纸板和高强瓦楞纸。 "在我们行业，废纸就是'城市森林'。"企业负责人表示，公司年生产能力达150万吨，规模居河南省首 位，其中90%以上的原料都来源于废纸。通过废纸再利用，不仅实现了变废为宝，每吨再生纸还可减少 树木砍伐量，显著降低碳排放。 随着企业新建两条生产线，产能在原有基础上翻倍，同时升级热电联产项目，完善环保设施，资金压力 随之而来。建行河南省分行在梳理对接全省重点碳排放单位时了解到这一情况，立即组织专业团队深入 调研。 "在充分了解企业的生产经营、碳排放管理情况和融资需求后，我们为其创新设计了以追加碳排放权进 行质押的融资方案。 ...

Core Insights - The article highlights the first VEP (Value of Ecosystem Products) pledge loan by Industrial Bank, amounting to 100 million yuan, secured against the ecological value of the Sichuan Xichang Qionghai Wetland Scenic Area [1][2] - VEP represents the total value of various ecological product revenues generated within a specific geographic area over a defined development period, focusing on material supply, regulatory services, and cultural services [1] - Industrial Bank has been a pioneer in green finance in China, developing innovative products like carbon emission rights pledge loans and water rights pledge loans to enhance green financing accessibility for enterprises [2] Company Initiatives - Industrial Bank has launched several innovative green financial products, including the first GEP (Gross Ecosystem Product) pledge loan in Sichuan and the first market-based forestry biological asset note pledge loan in Fujian [2] - The bank aims to bridge the gap between ecological value and financial value, promoting the dual transformation of "green mountains and clear waters" into "golden mountains and silver mountains" through its financial products [2] - As of the end of September, Industrial Bank's green finance financing balance reached 2.47 trillion yuan, with green loan balance at 1.103781 trillion yuan, supporting projects that can reduce carbon dioxide emissions by over 27 million tons annually [2]

Core Insights - The article discusses the transformation of ecological products into financial assets, addressing challenges such as difficulty in measurement, collateralization, trading, and monetization [1][2]. Group 1: VEP Pledge Loan - Recently, Industrial Bank launched its first VEP (Value of Ecological Products) pledge loan, providing a loan of 100 million yuan to the project operator of the Sichuan Xichang Qionghai Wetland Scenic Area, which is a national AAAA-level scenic area [1]. - VEP represents the total value of various ecological product revenues that can be generated from specific geographic areas over a defined development period, encompassing material supply, regulatory services, and cultural services [1]. - The VEP pledge loan is a green loan product that quantifies ecological values such as vegetation biomass, water conservation, climate regulation, oxygen release, carbon sequestration, and biodiversity maintenance [1]. Group 2: Green Financial Innovations - As a pioneer in green finance in China, Industrial Bank actively develops products that realize ecological value, having introduced innovative products like carbon emission rights pledge loans, water rights pledge loans, and forest rights pledge loans [2]. - The bank has made significant strides in ecological value realization, including the first GEP (Gross Ecosystem Product) pledge loan in Sichuan and the first market-based forestry biological asset bill pledge loan in Fujian [2]. - As of the end of September, Industrial Bank's green finance financing balance reached 2.47 trillion yuan, with a green loan balance of 1.103781 trillion yuan, supporting projects that can achieve annual carbon dioxide emissions reductions exceeding 27 million tons [2].

Core Insights - Hubei Province has launched a comprehensive ecological environment rights trading platform, integrating five major functions: carbon emission rights trading, pollutant discharge rights trading, ecological product value realization, solid waste resource utilization, and green financial services [1][2][5] - This platform is the first of its kind in China to deeply integrate these five resource and environmental elements, marking a significant breakthrough in the construction of trading platforms and providing essential green infrastructure for the national unified market and domestic economic circulation [1][5] Summary by Sections Platform Features - The platform transforms intangible environmental capacities and natural resources into tradable commodities, facilitating the monetization of ecological products and promoting the industrialization of ecology [2][3] - It includes a standardized ecological product value realization trading module, allowing for the pricing and trading of previously "priceless" ecological products such as clean air and water [2][3] Transaction Efficiency - The platform serves as a "bridge" to streamline the trading process, allowing users to conduct various ecological environment rights transactions through a single account, significantly enhancing transaction efficiency [4] - It features four core systems: management, trading, financing, and interaction, ensuring comprehensive electronic supervision and seamless integration with green financial services [4] Future Development - By the end of 2027, the platform aims to establish a well-structured, diverse, and active ecological rights trading market, with further development planned for a comprehensive trading center by 2030 [6] - Hubei plans to build a national carbon market clearing institution and develop a variety of green financial products, enhancing regional cooperation with neighboring provinces [6]

Core Viewpoint - The transformation of Longjiang River in Fuzhou City, from an ecologically challenged state to a clean and green environment, is significantly attributed to the continuous support of green finance, particularly through the provision of preferential loans by Industrial Bank [1][2] Group 1: Green Finance Development - Since 2022, Industrial Bank has provided a total of 217 million yuan in green preferential loans for the comprehensive governance project of Longjiang River, significantly reducing financing costs and ensuring project progress [1] - As of June 2025, the balance of green loans at Industrial Bank reached 1,075.6 billion yuan, maintaining the leading position among joint-stock banks, with projects supported achieving annual CO2 emissions reduction of 27.86 million tons and annual water savings of 18.36 million tons [2] - Industrial Bank is the only domestic bank to receive the highest ESG rating for six consecutive years from MSCI, reflecting its strong commitment to green finance [2] Group 2: Challenges in Green Finance - The transformation of ecological value into economic value remains a challenge, particularly in terms of valuation and financial recognition [3] - There is a need for effective mechanisms to track funds and assess benefits to ensure that green funds are used appropriately and to incentivize borrowers to maintain low-carbon practices [6][8] - Industrial Bank has actively explored solutions to these challenges, including the establishment of risk-sharing mechanisms in collaboration with government and enterprises [8] Group 3: Innovative Loan Models - Industrial Bank has pioneered various types of loans linked to ecological performance, such as a 270 million yuan loan for the ecological protection project at Xiazhu Lake, which incorporates future carbon credit sales as a repayment source [5][6] - The bank has developed a loan mechanism where interest rates are tied to the ecological performance of projects, providing incentives for borrowers to achieve green performance targets [7] - The bank emphasizes that it will not lower risk standards for projects labeled as "green," ensuring that all projects meet stringent risk control requirements [9]

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]