湖州是"绿水青山就是金山银山"理念的诞生地，也是全国首批绿色金融改革创新试验区之一。 2022年8月，湖州市政府发布了我国首个区域性金融支持生物多样性保护制度，加快探索构建与生物多 样性保护相适应的绿色金融服务体系。近年来，当地多家银行执金融之笔，在湖州高质量发展的画卷上 描绘鲜明的色彩。 早在2022年，工商银行就加入了由中国绿金委牵头的生物多样性课题研究组，2024年率先将卫星遥感与 生物多样性评估纳入风控体系，建立了金融支持生物多样性保护政策，并不断创新金融服务与产品。 近年来，工商银行为湖州吴兴区白鹭飞农庄提供5400万元授信，利用当地优越的生态环境，共同打造湿 地动物科普保育中心，开展野生鸟类栖息地整理与保护工作。同时，携手湖州下渚湖湿地生态保护提升 工程、安吉两库引水工程，一起实施重点生态环境和生物多样性保护项目，实现金融资源与生态保护的 精准匹配。 "半年前还担心小天鹅的栖息地萎缩，现在连消失多年的水蕨都重现了。"在湖州市长兴县仙山湖国家湿 地公园，巡护员老陈感慨道，这片695.31公顷的湿地生态宝库，因华夏银行8000万元绿色信贷的精准灌 溉，正经历一场蜕变。 今年年初，仙山湖景区启动了"生物 ...

Core Viewpoint - Nantong Rural Commercial Bank is actively implementing the national Yangtze River Delta integration development strategy, focusing on four main lines: industrial collaboration, inclusive finance, green transformation, and digital empowerment, to drive high-quality economic development in the region [1] Group 1: Financial Performance - As of mid-year, the bank's total loan balance reached 65.921 billion yuan, with a net increase of 3.626 billion yuan, representing a growth rate of 5.82% [1] - The balance of green loans amounted to 84.1908 million yuan, indicating a positive development trend [1] Group 2: Organizational Structure and Talent Development - A green finance working group was established, led by the bank's president, to enhance organizational structure, system construction, and service models, ensuring robust support for the Yangtze River Delta integration development [1] - The bank has created a three-dimensional training system focusing on layered training, practical transformation, and incentive guidance to enhance staff capabilities in green finance [1] Group 3: Green Finance Initiatives - The bank has implemented a "dual-track assessment" mechanism to allocate credit resources effectively, increasing support for green industries such as low-carbon and circular economies [2] - A product matrix including "Green Energy Loan," "Pollution Rights Loan," and "Environmental Loan" has been developed to support projects related to energy conservation, pollution prevention, and ecological restoration [2] - The maximum interest rate for green loans is capped at LPR plus 80 basis points, demonstrating the bank's commitment to benefiting the real economy [2] Group 4: Future Development Strategy - The bank plans to continue its four-dimensional integration strategy of industry, finance, technology, and talent, focusing on product innovation, government-enterprise cooperation, and talent cultivation [3] - Future product development will include carbon emission rights pledge financing and green supply chain finance to support the green transformation of traditional industries [3] - The bank aims to enhance collaboration with government departments and research institutions to create a green industry fund, establishing a virtuous cycle of policy guidance, resource aggregation, and value closure [3]

Core Viewpoint - China is promoting high-quality development of green finance to support enterprises in their green and low-carbon transformation, with a focus on innovative financial services covering the entire carbon reduction chain and the construction of zero-carbon parks [1][2][3]. Group 1: Green Finance Development - A series of documents have been issued this year to promote high-quality green finance development, with a goal to achieve significant results by 2027 [2]. - The financial support for green low-carbon development and the construction of a beautiful China is expected to improve in quality and efficiency [2]. - Financial institutions are increasingly offering innovative comprehensive financial service solutions that cover the entire carbon reduction chain [3][4]. Group 2: Zero-Carbon Park Construction - The establishment of zero-carbon parks is a key initiative in carbon reduction actions, with plans to create several such parks as outlined in the 2024 Central Economic Work Conference and the Government Work Report [5]. - Initial construction costs for zero-carbon parks are high, necessitating innovative business models and financial tools to transform these costs into value creation [5][6]. - A project initiated by the Asian Development Bank and Huaxia Bank aims to mobilize 5 billion yuan for energy-saving and renewable energy projects in industrial parks [5]. Group 3: Carbon Accounting System - There is a need to establish a comprehensive carbon accounting system to reflect the true carbon footprint levels post-reduction, with current challenges including high costs and inefficiencies [8][9]. - Digital finance is being leveraged to optimize traditional financial services for carbon accounting, enhancing the precision and transparency of carbon footprint data [8][9]. - Financial institutions are developing products and services based on carbon accounting information, focusing on carbon asset management and tracking carbon footprints in specific industries [9].