作为推动绿色发展的重要力量，金融机构特别是地方中小银行，在服务生态环保、促进地方绿色低碳转 型中扮演着不可或缺的角色。地方中小银行以其贴近基层、服务灵活、适应市场、了解本地经济结构的 优势，不仅在支持小微企业和"三农"发展中发挥着重要作用，更具备服务区域绿色发展的天然条件。新 形势下，地方中小银行亟须转变传统思维，主动对接国家战略，将绿色金融理念深度嵌入业务发展全过 程。 近年来，随着国家绿色发展战略的深入推进，各地中小银行积极响应政策号召，在服务绿色发展方面进 行了很多探索，但仍面临不少挑战。笔者认为，地方中小银行要继续深化绿色金融服务，为地方绿色发 展提供支撑，应从以下几方面努力。 地方中小银行应积极融入国家绿色发展战略，提升对生态环保项目的金融服务能力。各地中小银行可结 合本地区资源禀赋和发展阶段，设立绿色信贷专项额度，优先支持节能环保、清洁能源、循环经济等重 点领域的优质项目。通过优化信贷资源配置，推动区域内传统产业转型升级，助力构建绿色低碳的经济 体系。 同时，建立绿色审批通道，简化贷款流程、提高审批效率，确保符合条件的绿色项目能够快速获得资金 支持，尽早落地见效。此外，还可根据地方特色制定差异化的 ...

Core Insights - Weihai City has made significant progress in green finance reform and innovation, establishing a comprehensive framework that integrates financial services with environmental sustainability [1][2][3] Group 1: Green Finance Achievements - The total balance of green loans in Weihai reached 135.31 billion yuan, marking a year-on-year increase of 35.49%, accounting for 21.8% of all loans [1] - The launch of the "Green Finance Digital Comprehensive Service Platform" named "Green e-Rong" aims to enhance project identification and financing efficiency, integrating 11 types of authoritative data and serving 140,000 enterprises [2] - The establishment of the first carbon credit financial service platform in Shandong Province, covering monitoring, accounting, management, and trading processes, has processed 1.8 million data entries [3] Group 2: Blue Economy Initiatives - Weihai has created the first blue investment and financing project database in the country, with 71 projects initially included, securing 15.9 billion yuan in credit for 33 projects [4] - The city has introduced innovative financial products such as the first marine sustainable development-linked loan and the first marine carbon credit pledge loan in the province [4][5] Group 3: Carbon Trading and Environmental Impact - The first carbon credit transaction for double-shelled mollusks in Shandong Province was completed, with an average annual reduction of 1.3077 million tons of CO2 equivalent from 2021 to 2024 [6] - The integration of carbon credit trading with financial and tourism sectors is being explored to enhance the economic benefits of ecological conservation [6] Group 4: Green Banking Initiatives - Weihai has established a "recognition + assessment" closed-loop system for green branches, with 21 branches recognized, and 10 of the first 12 branches rated as "excellent" [7] - Green branches have issued loans totaling 35.04 billion yuan, with green loans accounting for 83% of the total, supporting over 50 green projects [7]

Group 1: Core Perspectives - The Yangtze River Economic Belt is a significant national strategy focusing on ecological protection and sustainable development, emphasizing "big protection, not big development" [1][3] - Jiujiang, as a key city in the Yangtze River Economic Belt, has made substantial progress in ecological protection and green development, leveraging innovative financial tools and technology [1][2] Group 2: Financial Support and Innovation - The local financial system in Jiujiang is committed to supporting the Yangtze River Economic Belt by prioritizing ecological protection and green development, avoiding one-size-fits-all approaches [3][4] - Jiujiang's financial institutions have implemented a multi-layered policy framework to facilitate green finance, with green loan balances reaching 99.015 billion yuan, a year-on-year increase of 23.25% [4] Group 3: Environmental Restoration and Impact - Jiujiang has invested 19.37 billion yuan in water environment governance, achieving over 80% reduction in pollution indicators and maintaining Class II water quality for seven consecutive years [6][7] - The establishment of the Jiangping Bay (Lukou) aquatic biological protection base has led to an increase in the population of endangered species like the Yangtze River dolphin from 800 to 1,249 [2] Group 4: Green Energy and Low-Carbon Development - The "Zero Carbon Island" project in Jiujiang, utilizing wind power, is expected to save 96,000 tons of standard coal annually and reduce carbon emissions by 240,000 tons [8] - Financial support for industrial transformation includes the introduction of "carbon effect loans," linking loan pricing to companies' carbon reduction performance, with 535 million yuan issued by the end of 2024 [9] Group 5: Market Mechanisms for Ecological Value - The introduction of pollution rights as collateral for loans has enabled companies to convert environmental capacity into financial assets, promoting a market-oriented approach to ecological resource management [10][11] - A biodiversity protection-linked loan of 500 million yuan was issued, with interest rates adjusted based on the achievement of specific environmental goals [12] Group 6: Overall Economic and Environmental Transformation - The financial support initiatives have led to significant improvements in Jiujiang's ecological environment and industrial practices, fostering a culture of proactive environmental management among companies [13] - The transition from passive compliance to active efficiency in pollution reduction is seen as an opportunity for financial institutions to enhance their service quality and support sustainable industrial growth [13]

在推动柯桥地区经济社会发展、促进区域产业升级的过程中，浙江省首家上市农商银行 —— 瑞丰农 商银行深耕本土，始终坚持 " 银行自身发展好、区域经济服务好、社会责任履行好 " 的初心，做深做实全 方位成体系以人为核心的普惠金融，持续深化普惠金融服务，并以绿色金融助力传统产业升级，取得了 显著成效。 浙江柯桥原为绍兴县，西邻杭州、东接宁波，位于杭州湾大湾区的黄金腹地，作为古越文化的重要 发源地，素有"酒乡""桥乡""戏曲之乡""书法之乡""名士之乡"等美誉。今天的柯桥则是经济重地，拥有 市场主体19万余家，规上工业企业1300余家，上市企业25家，上规模民营企业数量居浙江省第一。纺织 业是柯桥的支柱产业，年产值超1300亿元，产能约占全国的1/3，同时，新材料、生命健康、泛半导体 三大新兴产业项目正加速集聚，初步形成了新材料园、健康岛、光电谷等新兴产业集群。 在推动柯桥地区经济社会发展、促进区域产业升级的过程中，浙江省首家上市农商银行——瑞丰农 商银行深耕本土，始终坚持"银行自身发展好、区域经济服务好、社会责任履行好"的初心，做深做实全 方位成体系以人为核心的普惠金融，持续深化普惠金融服务，并以绿色金融助力传统产 ...

Group 1 - The year marks the 20th anniversary of the "Green Mountains and Clear Water are Gold and Silver Mountains" concept and the 5th anniversary of the "dual carbon" goals, highlighting the importance of green finance in China's economic transformation [1] - Huzhou has established a green finance capability construction base, collaborating with 10 banks including the National Development Bank and the Agricultural Development Bank of China, to enhance green finance initiatives [1] - Since becoming one of the first national pilot zones for green finance reform in 2017, Huzhou has developed a "six-work system" for green finance, achieving 74 innovative pilot results and an annual growth rate of 41% in green credit [1] Group 2 - China has become the world's largest green finance market, with green loan balances increasing from less than 6 trillion yuan to 36.6 trillion yuan by the end of 2024, reflecting a growth rate of 21.7% year-on-year [2] - The issuance of green bonds has reached nearly 1 trillion yuan annually, with total green investment and financing exceeding 5 trillion yuan each year [2] - A variety of financial products, including green bonds and green insurance, are emerging, with innovative offerings like "carbon effect loans" and "zero-carbon car insurance" being introduced in Huzhou [2] Group 3 - The People's Bank of China aims to enhance the connection between green finance and transformation finance, promoting financial support for biodiversity protection and deepening international cooperation in green finance [3] - Huzhou's experience in green finance reform is being replicated in various regions and countries, demonstrating its effectiveness in guiding financial resources towards green industries and projects [3] - Deepening green finance reform is crucial for promoting economic green transformation, improving financial service capabilities, and providing practical experience for international cooperation [3]

Core Viewpoint - Jiujiang Bank is committed to transformation and refined management, enhancing strategic execution, and following a differentiated and specialized development path, emphasizing the importance of party leadership in its operations [1] Group 1: Development Achievements - Since the establishment of the new party committee, Jiujiang Bank has strengthened refined management and continued to promote structural optimization, capital efficiency, compliance, and growth, resulting in a 2.5% year-on-year increase in total assets to 516.459 billion yuan by the end of 2024 [2] - Customer loans and advances increased by 6.4% year-on-year to 320.835 billion yuan, while total liabilities rose by 2.4% to 473.926 billion yuan, with customer deposits totaling 386.964 billion yuan [2] - The bank achieved double growth in revenue and net profit, with operating income reaching 10.388 billion yuan and net profit at 762 million yuan [2] Group 2: Transformation and Service Enhancement - Jiujiang Bank focuses on product optimization, service enhancement, and brand building, leveraging digital capabilities to strengthen financial service guarantees, including the launch of the first "bank guarantee" credit enhancement for intellectual property securitization in the country [3] - The bank has implemented a comprehensive service model, with daily remote counter transaction volume increasing nearly 3.74 times, and continuously improving the digitalization and intelligence of various services [3] - The bank prioritizes local service, targeting key areas and weak links to enhance support for the real economy, having served approximately 150,000 new citizen clients [3] Group 3: Strategic Focus and Innovation - Jiujiang Bank emphasizes local demand, industrial upgrades, and long-term value, driving reform and innovation to align its development with local construction [4] - The bank adopts a "shopkeeper spirit" to serve local development, proactively providing precise services to ensure financial resources benefit the real economy [4] - The bank is committed to a "bulldozer spirit" in business transformation, establishing a modern financial enterprise system and focusing on customer needs to create a "15-minute financial service ecosystem" [4] Group 4: Financial Innovations - Jiujiang Bank has expanded its development space through innovative financial products, such as the "Jiu Yin Smart Loan" and "Science and Technology Enterprise Financing" products, which provide credit services without collateral for technology-based manufacturing enterprises [5] - The bank has integrated green finance into its operations, supporting energy-saving and carbon-reduction projects, with a total of 4.05 billion yuan in carbon reduction loans, leading to an annual reduction of 82,200 tons of CO2 equivalent [5] - The bank continues to optimize its credit structure and enhance financial supply, implementing mechanisms to address the financing challenges faced by small and micro enterprises [5]