当前，我国绿色金融发展仍面临挑战，存在中小微企业绿色融资难等问题。"商业银行需要创新特色产 品，积极落地用水权、排污权、碳排放权、生态产品价值抵质押贷款，推出碳表现、碳足迹挂钩贷款等 特色产品，积极发放钢铁、化工等重点行业转型金融贷款，为绿色发展提供金融支持。"中国农业科学 院农业经济与发展研究所研究员谢红玲说。 清华大学国家金融研究院院长田轩建议，可设立国家绿色产业基金，重点投向储能、氢能、碳捕集等技 术研发，对绿色中小微企业实施贷款贴息与担保补贴；推动绿色金融与科技金融、数字金融融合发展， 提升绿色金融服务的精准性和效率；鼓励金融机构创新绿色金融产品，如绿色结构性存款、绿色资产证 券化等，推出碳期货期权、气候保险等工具，试点"绿色信贷+碳资产质押"模式，支持企业将碳配额转 化为融资信用，满足不同类型绿色项目的需求。 "财税、金融政策加强融合、相互促进，形成更强的政策合力。探索政府性融资担保机构对绿色项目提 供增信。金融领域应全面发力，直接融资和间接融资'两条腿'走路，加快推进绿色债券、绿色股票、碳 交易等直接融资市场建设，出台政策支持绿色发展的债券、保险、基金、投行、租赁等新型融资方式灵 活组合应用。"招 ...

Core Viewpoint - Jiangsu Bank is actively promoting green finance to support the province's transition to a low-carbon economy, with significant growth in green loans and a commitment to enhancing financial services for sustainable development [1][9]. Policy System Improvement - Jiangsu Financial Regulatory Bureau is implementing a green finance regulatory policy framework, focusing on enhancing financial supply in key areas and optimizing green finance service mechanisms [2]. - A self-assessment of green finance policy implementation was conducted among 121 banking and insurance institutions, leading to the development of improvement plans [2]. Mechanism Construction - Local banks are integrating green finance into their strategic frameworks, with boards of directors overseeing the implementation of green finance strategies [3]. - Major banks have set specific green finance development goals, with significant new green loan issuances reported, such as 1,591 million yuan from ICBC Jiangsu Branch [3]. Professional Capability Enhancement - Banks are establishing specialized departments and mechanisms to manage green finance, with over a hundred dedicated institutions in the region [4]. - Differentiated credit policies are being implemented to restrict funding for high-energy-consuming projects, while promoting green industries [4][5]. Diverse Product and Service Offerings - Banks are innovating green financial products, including loans linked to carbon performance and ecological product values [6]. - Various financing tools are being offered to support enterprises in raising funds for green projects, including green bonds and asset-backed securities [6]. Effective Process Management - A comprehensive risk management framework is in place, ensuring strict adherence to environmental and social governance standards during the lending process [7]. - Financial technology is being utilized to enhance the effectiveness of risk management in green finance [7]. Strong Support in Key Areas - Banks are focusing on critical areas such as ecological protection, pollution prevention, and achieving carbon neutrality goals, with substantial loan growth reported in these sectors [8][9]. - Specific loan amounts have been allocated for projects aimed at environmental restoration and clean energy development, demonstrating a commitment to sustainable financing [8][9].

Core Viewpoint - Jiangsu's banking sector has significantly increased its green loan offerings, reaching a total of 5.37 trillion yuan, with a year-to-date growth of 19.7% and a year-on-year growth of 24.2%, reflecting a strong commitment to green finance initiatives [1] Group 1: Policy Framework - Jiangsu Financial Regulatory Bureau has integrated green finance into its annual action plans for five consecutive years, establishing a structured approach to support the development of green finance [2] - The bureau has issued an action plan with 18 key tasks aimed at enhancing financial support for key sectors and optimizing green low-carbon financial services [2] - A green finance evaluation mechanism has been established, with 31 banks participating in assessments to improve their green finance capabilities [2] Group 2: Resource Allocation - Banks in Jiangsu are prioritizing resource allocation towards green finance, with specific targets set for green loan ratios included in performance evaluations [3] - Nanjing Bank has implemented a strategic committee focused on ESG, while other banks have developed action plans to guide their green finance initiatives [3] - Suzhou Bank offers internal capital discounts for green credit, and Agricultural Bank of China has allocated special quotas for clean energy loans [3] Group 3: Product and Service Innovation - Jiangsu's banking sector has restructured its product offerings to include specialized green financial products, such as bamboo forest carbon credit loans and ecological restoration loans [4] - Innovative products like carbon performance-linked loans have been developed to align financial incentives with environmental performance [4] - Jiangsu banks have successfully launched over 20 "firsts" in green finance products, showcasing their commitment to innovation in this sector [4] Group 4: Diversified Financing Channels - In addition to loans, Jiangsu banks are utilizing bonds, leasing, and funds to broaden financing channels for green projects [5] - Nanjing Bank issued the first domestic green financial bond compliant with international sustainable finance standards, raising 10 billion yuan [5] - Various banks are providing underwriting services for green asset-backed securities and other financing tools to support enterprises in raising funds [5]