2025年10月末，四川本外币各项贷款余额12.8万亿元，较2020年末增长80.7%，金融"五篇大文章"贷款余额4.42万亿元，重点领域贷款增速均高 于各项贷款增速……12月10日，省政府新闻办举办"十四五"时期金融支持四川经济高质量发展新闻发布会，一组组数据勾勒出5年间，四川金 融业高质量发展的"成绩单"。 发布会现场（华小峰/摄） 增供给优结构 金融活水精准滴灌实体经济 拿到成绩单，一个数据格外引人注意：近5年，四川本外币存款、贷款余额年均增速约为9.5%和12.7%。 增速的背后，是全省金融系统加大了支持力度。"尤其是贷款增速明显高于同期名义经济增速，有力满足市场主体合理信贷需求。"中国人民银 行四川省分行副行长李强说，近年来，四川不断加强金融政策和财政、产业政策的协同，特别是2024年9月以来，四川加力落实系列存量和增 量金融政策，针对性优化金融资源配置，金融服务实体经济质效大幅提升，有力支持了四川发挥经济大省挑大梁作用。 数据显示，在重点项目融资上，2025年10月末，四川省基础设施领域贷款余额4.47万亿元，较2020年末增长210%。在强化乡村全面振兴金融 服务上，2025年10月末，全省涉农 ...

强化乡村全面振兴金融服务 成绩单 重点项目融资 ●2025年10月末,四川基础设施 领域贷款余额为4.47万亿元,较2020 年末增长210% ●2025年10月末,全省涉农贷款 余额为2.74万亿元,"金融链长制"覆 盖56个涉农重点产业,"天府粮仓"建 设重点领域贷款余额突破万亿元,25 个国家重点帮扶县贷款增速持续高于 各项贷款增速 助企业"轻装上阵" ●2025年10月,新发放企业贷款、 普惠小微贷款和个人住房贷款的加权平 均利率,分别约为3.77%、4.02%和 3.05%,较2020年12月下降 121、 143和271个基点 ●推动支持小微企业融资协调工作 机制提质扩面,向"推荐清单"内经营主 体发放贷款1.29万亿元 ●推动金融机构以"线上平台+线下 走访"联动形式持续下沉服务重心, 2025年10月末,全省普惠重点领域贷 款余额为1.52万亿元,较2020年末增 长243% 量身定制服务方案 ●对科技型企业,通过升级科技金 融"星辰计划",积极探索"股贷债保"联 动服务机制,帮助科技型企业把"软信 息"转化为金融"硬资产" ●对绿色低碳企业,创新推出"绿金 降成本提效能 多举措助企业"轻装上 ...

Core Insights - The report titled "Natural and Biodiversity Finance: Theory and Practice" was released at the 2025 Bund Annual Conference, outlining China's achievements in financial support for biodiversity, establishing a multi-dimensional support system for global biodiversity governance [1] Group 1: Standard System Improvement - Biodiversity finance has been integrated into the sustainable finance framework, with the 2025 revised "Green Finance Support Project Directory" establishing a separate category for "Ecological Protection, Restoration, and Utilization," which supports activities related to nature and biodiversity [2] - Approximately 20% to 30% of green finance business is directed towards biodiversity-related activities, with the scale continuing to expand [2] - The People's Bank of China is developing specific biodiversity finance standards, resulting in a draft "Biodiversity Finance Directory" that includes 87 items across four categories, adding 24 new items compared to the previous directory [2] Group 2: Financial Product Innovation - Financial institutions in China are launching diverse products to attract social capital for biodiversity protection, integrating biodiversity into the green finance policy framework [3] - Innovative financial products include GEP pledge loans, wetland carbon credit loans, and biodiversity performance-linked loans, with breakthroughs in bond issuance for biodiversity-themed green bonds [3] - The ecological compensation mechanism is being advanced, with projects like the Yuanbao Maple project in Guizhou generating over 2000 yuan per mu in annual income, providing a replicable model for ecological project profitability [3] Group 3: Information Disclosure and Risk Assessment - Financial institutions and local governments are exploring assessment methods for nature-related financial risks, embedding biodiversity sensitivity into the entire credit process [4] - The 2025 "Sustainable Development Report Preparation Guidelines" released by the Shanghai and Shenzhen stock exchanges reference the international TNFD framework, laying the groundwork for nature-related information disclosure [4] - 33 companies, including Mengniu and CATL, have joined the TNFD pilot, gradually aligning with international standards [4] Group 4: International Cooperation - China's role in global biodiversity finance governance is evolving from a "participant" to a "co-builder," having chaired the COP15 and facilitated the "Kunming-Montreal Global Biodiversity Framework" [5] - The establishment of the Kunming Biodiversity Fund has projects covering 15 developing countries across six continents [5] - The People's Bank of China is promoting the inclusion of natural and biodiversity issues in G20 sustainable finance discussions, with bilateral cooperation deepening with countries like the UK, EU, and Singapore [6]

Core Insights - Chengdu Rural Commercial Bank has risen to 194th place in the "2025 Global Top 1000 Banks" ranking, an increase of 6 positions from the previous year, reflecting its strong capital strength and risk resilience [1] - The bank's ranking has improved significantly over the past five years, moving up 37 places from 231st in 2021 to 194th in 2025, indicating a consistent high-quality development strategy [1] Financial Performance - In 2024, the bank achieved an operating income of 18.35 billion yuan and a net profit of 6.471 billion yuan, representing year-on-year growth of 5.86% and 11.46% respectively [2] - As of the end of 2024, total assets reached 914.26 billion yuan, a year-on-year increase of 9.72%, solidifying its position as the fifth largest rural commercial bank in China [2] - The bank's total liabilities amounted to 840.64 billion yuan, with over 80% sourced from customer deposits, which totaled 672.72 billion yuan, reflecting a 10.50% increase [2] Asset Quality and Risk Management - Chengdu Rural Commercial Bank has maintained a non-performing loan ratio of 1.02%, ranking third among the top ten rural commercial banks in China, achieving its best asset quality in nearly nine years [3] - The bank's provision coverage ratio has improved to 435.55%, enhancing its risk resistance capabilities [3] Local Economic Contribution - The bank has focused on supporting local economic development, particularly in agriculture and small enterprises, with agricultural loans reaching 101.50 billion yuan, a 12.54% increase year-on-year [4] - It has provided over 600 billion yuan in loans to more than 2,700 enterprises in key industries, demonstrating its commitment to local industrial development [4] Service Network and Accessibility - Chengdu Rural Commercial Bank has established a comprehensive financial service network with over 650 branches, 1,500 self-service machines, and 1,200 village-level financial service stations, enhancing its service capabilities in rural areas [5] - The bank has served over 30,000 enterprises in industrial parks, supporting local economic initiatives [5] Strategic Initiatives - The bank is actively pursuing five key areas: technology finance, green finance, inclusive finance, pension finance, and digital finance, to enhance its service offerings and social responsibility [6] - It has launched various innovative financial products, including "Carbon Credit Loans" and "Green Bonds," to promote sustainable development [6] Future Outlook - Chengdu Rural Commercial Bank aims to continue its steady growth while ensuring asset quality, focusing on developing a unique product system and exploring sustainable development models [8]

Core Viewpoint - Chengdu Rural Commercial Bank has demonstrated robust financial performance and strategic resilience in a complex financial environment, achieving significant growth in revenue and profit while maintaining a strong focus on risk management and innovation [1][3]. Financial Performance - In 2024, Chengdu Rural Commercial Bank reported total operating income of 18.35 billion yuan and net profit of 6.471 billion yuan, representing year-on-year growth of 5.86% and 11.46% respectively [1]. - As of the end of 2024, total assets reached 914.263 billion yuan, an increase of nearly 81 billion yuan, with a growth rate of 9.72% [1][3]. - The bank's total liabilities exceeded 800 billion yuan, reaching 840.639 billion yuan, with a year-on-year growth of 9.57% [2]. Market Position - Chengdu Rural Commercial Bank is the fifth largest rural commercial bank in China and has achieved a AAA credit rating for its capital debt, becoming the fourth rural commercial bank to do so [1][2]. - The bank ranked 200th in the "2024 Global Bank 1000" list published by The Banker magazine, improving by 15 positions from the previous year [1]. Growth in Deposits and Loans - The bank's customer deposits reached 672.724 billion yuan, with a year-on-year increase of 10.50%, accounting for over 80% of total liabilities [2]. - Customer loans and advances totaled 487.569 billion yuan, reflecting a year-on-year increase of 14.54% [2]. Risk Management - The non-performing loan ratio decreased by 0.18 percentage points to 1.02%, marking the best asset quality in nearly nine years [3]. - The provision coverage ratio increased by over 81 percentage points to 435.55%, enhancing the bank's risk mitigation capabilities [3]. Focus on Key Sectors - The bank has directed credit resources towards advanced manufacturing and strategic emerging industries, providing loans exceeding 60 billion yuan to over 2,700 enterprises in the industrial chain [5][6]. - In the agricultural sector, the bank's agricultural loans reached 101.498 billion yuan, with a year-on-year growth of 12.54%, leading among financial institutions in Sichuan province [6]. Technological Innovation - Chengdu Rural Commercial Bank has introduced various innovative financial products, including "Science and Technology Loans" and "Green Finance" initiatives, with green loan balances exceeding 47 billion yuan, a growth of 26.70% [7][8]. - The bank has implemented an AI-based risk control platform for agricultural loans, facilitating over 10,000 loans amounting to more than 700 million yuan [9]. Future Goals - The bank aims to achieve the goals of becoming a listed bank, a trillion-yuan bank, and a benchmark bank by 2025, focusing on sustainable growth and service to the real economy [9].