威海银行紧紧围绕绿色发展理念，将绿色金融和普惠金融紧密融合，聚焦"三农"领域创新推出"绿农 贷"系列产品，构筑多元化的绿色金融服务体系，推动绿色低碳可持续发展。 打通线上"绿色通道"，金融春雨为民解忧 "威海银行的'绿色农耕贷'太方便了，不用出门在手机上就能办理贷款，关键是贷款利率优惠、发放还 快。"在徐先生一筹莫展之际，这场信贷"及时雨"高效满足了其购买农资、农具的资金需求，帮助徐先 生顺利度过了春耕备耕的关键时期。 蔬菜大棚种植户王先生也是"惠农贷"的受益者。由于旧棚改造资金缺口大，威海银行主动深入田间地头 进行走访调研，"一对一"量身定制金融服务方案，及时为王先生发放"绿色大棚贷"50万元，帮助其搭建 起集蔬菜水果采摘、观光休闲为一体的绿色大棚。"绿色大棚贷"发放的农业资金紧跟农时，审批快、发 放快，不误农时、不误生产，切实帮助王先生解决了资金需求的燃眉之急。 威海银行"绿农贷"系列产品，通过创新"银担合作+大数据"的业务模式，有效提高了融资的便利度，进 一步加大了对种粮大户、畜牧养殖、大棚蔬菜种植等新型农业经营主体的支持力度，为"粮袋子""菜篮 子""果盘子"平稳有序供应贡献着金融力量。 信贷"活水" ...

Core Insights - Weihai Bank is leveraging the national "dual carbon" strategy to enhance its green finance initiatives, aiming to support the construction of a green, low-carbon, and high-quality development zone in Shandong Province [1] - The bank's green loan balance reached 52.86 billion yuan as of June 30, 2025, marking a 41.80% increase from the beginning of the year, positioning it as a leader among city commercial banks in the province [1] - Weihai Bank has established a comprehensive green finance service system through top-level design, product innovation, and practical scenarios, integrating green finance into its strategic core [1] Organizational Structure - The bank has set up a dedicated Green Finance Department at its headquarters and established similar departments in its Tianjin and Linyi branches, with plans to expand to other branches [2] - A "1+3+5+N" green product system has been developed, which includes one core brand, three basic products, five application scenarios, and multiple specialty products, addressing the needs of five key areas [2] - Innovative products like "Green Agricultural Loan" and "Park Renovation Loan" have been introduced to meet local green industry upgrade demands [2] Innovative Practices - Weihai Bank has achieved significant breakthroughs in carbon trading, asset securitization, and specialty credit, creating a replicable "first order matrix" for green finance practices [2] - The bank recently signed a cooperation agreement for the "Lushun Double Shell Clam Aquaculture Carbon Sink Project," marking the first oyster carbon sink transaction in the province [2] - The bank purchased 300 tons of CO₂ equivalent oyster carbon sinks to support the creation of "zero-carbon" outlets, integrating blue economy with low-carbon operations [2] Capital Mobilization - Weihai Bank successfully issued Shandong Province's first green trade financing asset-backed securities (ABS) on the Shenzhen Stock Exchange, raising 172 million yuan for green projects [3] - The funds will support flood control and drainage projects, as well as energy-saving and carbon-reduction initiatives, expected to save 15,700 tons of standard coal and reduce CO₂ emissions by 34,000 tons annually [3] - The bank has also launched the first marine sustainable development-linked loan in the country, tying loan interest rates to companies' ecological protection and resource recycling goals [3] Commitment to Standards - Weihai Bank is the first city commercial bank in Shandong Province to sign the United Nations' "Principles for Responsible Banking" and is actively participating in international green finance initiatives [4] - The bank has developed a "carbon peak" work plan to outline its emission reduction pathways and is implementing zero-carbon outlet demonstration projects [4] - The bank is committed to sustainable information disclosure and has prepared industry guidelines to enhance transparency and social responsibility [4]

Core Viewpoint - The establishment of the national small and micro enterprise capital flow credit information sharing platform is a crucial infrastructure to support the financial "five major articles," enhancing credit information services and facilitating financing for small and micro enterprises [1][2][3]. Group 1: Support for Financial "Five Major Articles" - The capital flow information platform is essential for optimizing credit resource allocation and promoting financing for small and micro enterprises, aligning with the strategic needs of high-quality economic development [2]. - The platform addresses issues of information asymmetry and enhances the interconnectivity of credit information, forming a modern financial system with Chinese characteristics [2][3]. - The platform has established credit information files for over 60 million enterprises, supporting nearly 700 billion yuan in financing for small and micro enterprises [1][3]. Group 2: Characteristics of Capital Flow Information Platform - The platform provides comprehensive, reliable, and real credit information, which is crucial for financial services [3]. - It covers a wide range of enterprises, achieving near-total coverage of small and micro enterprises [3]. - The platform operates as a public service, with maintenance costs borne by the credit center, maximizing social benefits and reducing financing costs for small and micro enterprises [3][4]. Group 3: Application Mechanism and Data Utilization - The platform has been integrated into credit decision-making and risk management processes of financial institutions, enhancing its role as a foundational infrastructure [6][7]. - It encourages financial institutions to utilize the platform for credit management, improving the accessibility of financing for credit-limited small and micro enterprises [7][8]. - The platform provides detailed credit products, including monthly summaries and quarterly reports, which help in constructing a comprehensive credit assessment system [4][10]. Group 4: Initial Achievements and Future Directions - As of July 2025, the platform has supported nearly 700 billion yuan in credit for innovative and agricultural enterprises, demonstrating its effectiveness [11][12]. - The platform has facilitated the development of various credit products tailored for small and micro enterprises, enhancing the financing landscape [14][15]. - Future efforts will focus on expanding the range of participating financial institutions and enhancing the protection of information subject rights [19][20].

Core Viewpoint - The article emphasizes the urgent need for financial institutions to effectively utilize financial tools to promote green and low-carbon development while ensuring that financial services benefit a broader range of social groups. Group 1: Strengthening Institutional Mechanisms - Establish horizontal and vertical collaborative mechanisms to enhance inter-departmental communication and information sharing [1] - Create a value compensation mechanism with differentiated pricing to encourage green loan applications from inclusive finance clients [1] - Implement carbon accounts to manage carbon emissions for clients and provide differentiated policy support based on "carbon credits" [1] Group 2: Enhancing Financial Technology Utilization - Develop a model for identifying green components in new client enterprises and establish a "carbon credit" screening model [2] Group 3: Optimizing Green Identification - Simplify the identification process and supporting materials for inclusive green loans [3] - Innovate an intelligent identification system for green loans for small and micro enterprises [4] - Utilize the advantages of physical branch networks to enhance the visibility of green financial services and promote green products [4] Group 4: Focusing on Key Businesses - Integrate green concepts into supply chain financing to extend green financing benefits to more small and micro enterprises [5] - Identify green loan candidates among businesses applying for bank acceptance bill discounts based on their industry and main business [5] - Prioritize approval and resource allocation for green loans related to rural revitalization and agriculture [5] - Assess enterprises based on their green factory ratings and relevant certifications for green loan eligibility [5] - Conduct identification for inclusive finance businesses in manufacturing, technology, and retail sectors based on regulatory standards [5] Group 5: Innovating Financial Products - Strengthen collaboration among peers to accelerate the establishment of unified green inclusive finance standards and evaluation systems [6] - Innovate green financial products tailored to different clients and scenarios, such as "Green Inclusive Loan," "Green Supply Chain Loan," and "Green Agricultural Loan" [7] Group 6: Improving Supporting Mechanisms - Enhance assessment and reward mechanisms, strengthen risk management for green finance, and build a skilled workforce [7]