绿色是大自然的底色，同样也是区域高质量可持续发展的底色。当"双碳"目标深入推进，当绿色发展成 为时代共识，商业银行该如何执金融之笔，描绘出绿色转型发展的美丽蓝图？北京银行以长达十余年的 绿色金融发展实践，给出了自己的答案。 2025年是"绿水青山就是金山银山"理念提出20周年，也是"双碳"目标提出5周年。在大力发展绿色金融 的政策引导下，金融"活水"不断向"新"向"绿"，浇灌了绿色发展的沃土。 "作为扎根首都发展的商业银行，北京银行紧跟国家和首都政策引领，将绿色金融作为重大战略，从顶 层设计到落地开花，从重点领域到分层管理，从产品创新到生态合作，多维度'碳'索出了一条绿色低 碳、可持续的金融发展之路。"北京银行党委书记、董事长霍学文表示。 "含绿量"更高： 战略引领 铺设可持续发展"绿色通道" 金融与绿色的"双向奔赴"，离不开顶层设计绘就的清晰"路线图"。近年来，北京银行不断提升战略引领 高度，形成了涵盖总行、分行到支行全方位、多层次的绿色金融管理体系。 "2023年，我们将董事会战略委员会更名为董事会战略及社会责任（ESG）委员会，把绿色低碳和可持 续发展摆到了一个更突出的位置。"北京银行绿色金融业务相关负 ...

Core Viewpoint - The article highlights Beijing Bank's significant achievements in 2024, driven by macroeconomic policies aimed at supporting the real economy and enhancing consumption through various financial innovations and services [2][3]. Group 1: Financial Innovations and Product Offerings - Beijing Bank has launched specialized financial products such as "Linghang e-loan" for specialized and innovative enterprises, with cumulative loans exceeding 106.8 billion yuan by the end of 2024, marking a growth of 33.8 billion yuan since the beginning of the year [3][4]. - The bank's green finance initiatives include products like "Waste-Free Loan" and "Water-Saving Loan," with a total green loan balance reaching 210.35 billion yuan, a growth rate of 43.11% [3][4]. - The introduction of a microfinance coordination mechanism and a unified financing application platform has facilitated a 28.3% increase in inclusive finance loans, totaling 310.61 billion yuan by the end of 2024 [4][5]. Group 2: Support for Key Sectors - Beijing Bank has actively supported the manufacturing sector's transformation, with manufacturing loans growing by 36% to 237.6 billion yuan, and medium to long-term loans increasing by 67% to 122.7 billion yuan [6][7]. - The bank has also focused on cultural industry financing, achieving a loan balance of 116.64 billion yuan, reflecting a growth of 32.39% [7]. - In rural revitalization efforts, the bank's agricultural loans reached 117.34 billion yuan, with a notable increase of 250.58 billion yuan since the beginning of the year [8]. Group 3: Consumer Finance and Digital Transformation - Beijing Bank has enhanced consumer finance offerings, with the "Jing e-loan" product growing by 109% by the end of 2024, and the credit card business seeing a 16% increase in new customers [9][10]. - The bank has successfully launched the first public REITs for consumer goods in Beijing, contributing to the growth of consumption-driven financial products [9]. - Digital financial services have expanded significantly, with the bank facilitating over 100 billion yuan in digital currency transactions throughout the year [5][9]. Group 4: New Citizen Financial Services - The bank has implemented twelve initiatives to improve financial services for new citizens, providing over 26 billion yuan in entrepreneurial loans and 38 billion yuan in housing loans [10]. Group 5: Retail Business Performance - By the end of 2024, Beijing Bank's retail loan balance surpassed 700 billion yuan, maintaining a leading position among city commercial banks, with retail revenue reaching 24.94 billion yuan, a year-on-year growth of 2.26% [11].

Core Viewpoint - Beijing Bank is actively exploring differentiated development strategies to navigate the challenges of financial supply-side structural reforms, aiming for high-quality growth and innovation in its services [1][3]. Group 1: Technological Financial Development - Beijing Bank established its first technology-oriented SME credit branch in 2009 and has since pioneered various financial products and services tailored for technology enterprises, achieving significant growth in its client base and loan balances [5][6]. - By the end of 2024, the bank served over 20,000 specialized and innovative clients, with a loan balance of 106.8 billion yuan, marking a 3.2-fold increase compared to two years prior [5][6]. Group 2: Green Finance Initiatives - In response to national policies on carbon neutrality, Beijing Bank launched a dedicated green finance team and introduced innovative products such as "Waste-Free Loans" and "Water-Saving Loans," achieving a green finance loan balance of 210.35 billion yuan, a 43.11% increase [9][10]. - The bank aims to integrate ESG factors into its business development, establishing a comprehensive ESG governance structure and setting 20 key initiatives to enhance its ESG capabilities [10]. Group 3: Cultural Finance Development - Beijing Bank has made significant strides in cultural finance, with a loan balance of 116.64 billion yuan by the end of 2024, reflecting a 32.39% growth [11]. - The bank has implemented various initiatives to support cultural consumption and has partnered with major film production companies to provide financial services for popular films [11]. Group 4: Digital Transformation - Over the past three years, Beijing Bank has focused on digital transformation, achieving comprehensive upgrades in technology, business models, and organizational structures [13]. - The bank has developed an AI-driven operational model, launching innovative tools that enhance efficiency and reduce operational costs, such as the AI collaboration service that improves staff productivity by over 10% [14]. Group 5: Future Outlook - Looking ahead, Beijing Bank plans to leverage its regional advantages to continue high-quality development, focusing on becoming a "children-friendly bank" and an "AI-driven commercial bank" while enhancing its digital capabilities [15].