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].

转自：新华财经 面对生态环境恶化和资源约束加剧的严峻挑战，如何有效利用金融手段促进绿色低碳发展，同时确保金 融服务惠及更广泛的社会群体，成为当前银行金融机构亟待解决的问题。 近年来，建行绿色金融和普惠金融双向发力，取得了一定成绩。建议从以下方面加快推进绿色金融和普 惠金融深度融合发展： （一）加强体制机制建设，给予差别化政策支持 1.建立横向纵向协同合作机制。一是横向加强同级跨部门协作沟通，强化信息共享机制建设。二是纵向 建立自上而下协同任务型团队，省、市、支行三级联动；各层级普惠条线部门设置绿色普惠专员，承上 启下，重点负责推进绿色普惠金融业务发展。 2.建立价值补偿机制，给予差别化定价。一方面，银行金融机构可以对办理绿色贷款的普惠类客户给予 利率打折优惠，引导普惠客户主动申报绿色贷款；另一方面，深化与政府职能部门的合作，积极配合并 帮助重点企业向财政申请绿色产业转型发展专项补贴，提高客户申请绿色融资的积极性。 3.建立碳账户，赋值"碳积分"。探索建立对公和个人类客户碳排放账户，对客户碳指标执行结果实现分 层、分级、分段管理，根据"碳积分"高低给予差别化政策支持。 2.创新小微企业绿色贷款标识智能化认定系统 ...