作者 | 胜马财经出品人 周瑞俊 编辑 | 欧阳文 守正创新，立势九州 服务实体经济，是工商银行安身立命之本，也是其长期坚守的核心使命。作为国有大行，工商银行始终围绕经济发展大局，将金融资源精准投向经济社会发展的重点领域，用金融"活水"不断滋养 在新型工业化进程加快的背景下，工商银行将制造业作为金融支持的重中之重。截至2025年6月末，工商银行制造业贷款余额率先突破5万亿元，规模居同业首位。 在这背后，是工商银行贷款结构更趋合理，中长期贷款占比持续提升，覆盖高端装备、智能制造、绿色制造等重点产业链环节，积极支持企业设备更新与技术改造，推动传统产业加快焕发新活力 在支持制造业企业方面，工商银行通过灵活的贷款期限匹配企业需求，以北京同仁堂为例，该行发放的中长期流动资金贷款期限延长至3年，精准匹配了企业复杂工艺和较长生产周期的资金需求 在新质生产力中，科技创新是核心动能。工商银行围绕投早、投小、投长期、投硬科技原则，全面加大科创企业金融供给。截至2025年6月末，其科技贷款余额已突破6万亿元，较2024年末增长 "工行效率高、利率低，手续简便随借随还，为科技企业带来融资便利，"一位从工商银行浙江萧山分行拿到贷款的国 ...

Core Insights - Global regulatory collaboration and differences are reshaping corporate ESG information disclosure practices [1] - Over 30 countries and regions are adopting or advancing the ISSB's sustainable disclosure standards [2] - 90% of 18 major banks in China have fully disclosed their Scope 1 and Scope 2 carbon emissions [2] - The exit of the US from the Paris Agreement has led to a noticeable divergence in global ESG investment and regulation [1][7] Group 1: ESG Disclosure Practices - 90% of major banks have disclosed their Scope 1 and Scope 2 carbon emissions, with some exploring Scope 3 emissions [2][3] - Major banks are aligning their ESG reports with the latest guidelines from stock exchanges [2] - The disclosure of Scope 3 emissions remains a weak area, with limited coverage and low data granularity [3] Group 2: Green Loan Growth - By the end of 2024, China's green loan balance reached 36.6 trillion yuan, a year-on-year increase of 21.7% [4] - Four of the six major state-owned banks have green loan balances exceeding 4 trillion yuan [4] - The growth rate of green loans is transitioning from rapid expansion to a focus on quality and efficiency [4] Group 3: Innovative Financial Products - Major banks have developed a systematic approach to innovative products like carbon-neutral loans and biodiversity protection credit [5] - ICBC's Zhejiang branch has launched various green financial products, accumulating over 60 billion yuan in innovative loans [5] Group 4: Governance and ESG Integration - Most of the 18 banks have integrated ESG committees into their board governance structures [6] - Executive compensation at major banks is linked to ESG performance, covering key areas like green finance [6] Group 5: Global ESG Investment Trends - The global sustainable fund market saw a 0.7% decline in Q1 2025, primarily due to market pullbacks in the US and Europe [7] - The US has experienced a continuous decline in sustainable fund size for ten consecutive quarters [7] - Despite uncertainties, institutional investors in Asia-Pacific, Europe, and the Middle East remain positive towards ESG investments [7] Group 6: Policy Recommendations - The research group suggests enhancing regional cooperation and supporting green trade development [8] - There is a focus on promoting international interoperability of sustainable finance standards and disclosure [8] Group 7: Environmental Risk Management - The degradation of ecosystems and loss of biodiversity pose potential financial risks, necessitating systematic environmental risk management by financial institutions [9] - A collaborative mechanism integrating finance, meteorology, and insurance is being explored to assess climate and biodiversity risks [9]