湖南素有"三湘四水"之称，植被丰茂、四季常青，绿色生态资源丰富。近年来，中国人民银行湖南省分 行结合省内生态资源特点及优势，积极探索金融支持生态产品价值实现模式，推动优质生态资源通过金 融创新转化为发展资本，助力绿水青山向"金山银山"转化。截至2025年三季度末，湖南省金融机构绿色 贷款余额突破1.3万亿元，较年初增长21.1%。 政策引领： 构建生态产品价值支撑体系 中国人民银行湖南省分行将做优"两山"转化的金融生态环境作为推动绿色金融的重要任务之一，联合相 关部门出台《关于发展绿色金融 助力美丽湖南建设的通知》《关于进一步做好金融支持长江经济带绿 色低碳高质量发展的意见》，开展"金融赋能扩绿增效"行动，积极推动有条件的地区开展生态产品价值 实现试点建设，盘活生态资源价值。如今，湖南部分地区已启动生态产品总值（GEP）及特定地域单元 生态产品价值（VEP）核算，配套支持措施不断完善，为金融支持生态产品价值实现构建了良好基础。 2025年4月，怀化市被列入国家发展改革委公布的首批国家生态产品价值实现机制试点名单后，在湖南 率先开展生态产品总值（GEP）核算，鼓励银行机构将特定山林、水域等生态资产及其相关生态产 ...

"真没想到减排也能够贷款了，国家的政策真好啊。"近日，《金融时报》记者从湖南省湘西州了解到， 得益于当地十八洞村565.37公顷林地的39850吨二氧化碳当量减排率，花垣县一家经营农副产品销售的 农业科技开发公司成为湘西州首张湘林碳票的持有人。在得知其子公司湖南某经贸公司在推进生态园建 设存在资金缺口后，工商银行湘西分行把握碳汇经济政策机遇，成立湘林碳票质押贷款业务工作专班， 主动对接该经贸公司融资需求，通过"湘林碳票质押+母公司保证"组合模式，向该经贸公司发放"种植e 贷"（茶叶）300万元，贷款的及时到位，缓解了公司的融资困境。 这是中国人民银行湘西州分行引导金融资源聚焦绿色低碳领域的又一案例。为做好绿色金融大文章，该 行积极探索绿色金融服务实践，通过推动创新融资模式、完善服务体系、优化产品供给，多措并举探 索"绿"里生"金"。截至2025年二季度末，湘西州绿色贷款余额218.65亿元，较年初增长16.35%，上半年 增加30.72亿元，占各项贷款新增额的51.13%。 以创新破局 激活碳票质押效能 湘西州林木资源十分丰富，拥有林地面积1733.39万亩，森林覆盖率稳定在60.35%，森林蓄积量6112. ...

Core Insights - The article highlights the innovative use of carbon credits as collateral for loans in Xiangxi, showcasing the integration of green finance into local economic development [1][2][3] Group 1: Carbon Credit Financing - A local agricultural technology company in Huayuan County became the first holder of Xianglin carbon credits, leveraging a carbon reduction of 39,850 tons of CO2 equivalent from 565.37 hectares of forest land [1] - The Industrial and Commercial Bank of China Xiangxi Branch initiated a carbon credit pledge loan program, providing a loan of 3 million yuan to the company to support its ecological park construction [1] - The Xiangxi branch of the People's Bank of China is actively guiding financial resources towards green low-carbon sectors, with green loan balances reaching 21.865 billion yuan, a 16.35% increase from the beginning of the year [1] Group 2: Green Financial System Development - The People's Bank of China Xiangxi Branch has established a comprehensive system to promote green finance, collaborating with multiple government departments to enhance support for green economic initiatives [3] - Local banks have responded by increasing green credit allocations, with the Agricultural Bank of Xiangxi providing 905 million yuan in loans to key clean energy projects [3] Group 3: Support for Mining Sector Transition - The Xiangxi government has introduced a plan to encourage financial institutions to support the green transformation of the mining industry, with a specific loan of 5 million yuan allocated for a mining company's process upgrade [4] - This initiative aims to reduce energy consumption and enhance tax revenue, demonstrating a dual benefit of energy savings and increased profitability [4] Group 4: Enhancing Green Development Mechanisms - The People's Bank of China Xiangxi Branch is strengthening supervision and guidance to ensure the effective implementation of green finance policies across local banks [5][6] - A three-dimensional credit enhancement system is being developed to address the financing challenges faced by green agricultural projects, focusing on credit, guarantees, and industry chain collaboration [7] Group 5: Innovative Financial Products for Agriculture - Local banks are launching tailored financial products like "Tea Loan" and "Orange Loan" to support specific agricultural sectors, utilizing innovative credit assessment methods [8] - The introduction of these products aims to provide quick access to credit for farmers, enhancing their ability to invest in sustainable practices and improve production efficiency [8]