金融产品多点创新 破解生态项目融资难题 为撬动社会资本投入生物多样性保护，我国金融机构推出多元产品。我国将生物多样性融入绿色金融政 策体系，运用再贷款、再贴现等货币政策手段加大支持力度，如贵州"梵净生态账户"、四川"川碳快 贴"、深圳"绿票通"等引导低成本资金支持生态修复。浙江衢州、安徽黄山等地探索自然风险评估、信 息披露与信贷挂钩机制。引导金融机构推出GEP质押贷款、湿地碳汇贷、生物多样性绩效挂钩贷等创新 产品。 债券方面也实现突破，国开行、建行及海南省政府等发行生物多样性主题绿色债券，中国银行在国际生 物多样性金融伙伴关系（PBF）框架下，发行全球首笔生物多样性主题绿色债券。保险方面，宁波试点 林地保险、张家界推出大鲵保险，有效覆盖生态项目风险；生态补偿机制同步推进，贵州红枫湖元宝枫 项目通过选育兼具水质净化与经济价值的元宝枫，构建"退耕—还林—林下经济"复合收益流：元宝枫籽 油、林禽药菜立体种养、碳汇及生态旅游共同形成超2000元/亩的年收入，累计利润足以覆盖绿色信贷 本息，为生态项目盈利提供可复制样本。 在2025外滩年会上，中国金融四十人论坛2025年度课题《自然和生物多样性金融：理论和实践》(以下 ...

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].