绿色发展与普惠领域金融支持持续加力。全省构建"绿色信贷+绿色债券"体系，助力产业绿色转型；资 本市场方面，"十四五"时期企业发行绿色债、科创债、公募 REITs 等创新产品融资1701.67 亿元。普惠 金融领域，实施"金融+"行动，"鲁贸贷"等政策累计为外资外贸企业提供超1.95万亿元支持，对接文旅 项目343个、融资378亿元；个体工商户"育苗"行动累计放贷58.7亿元，惠及1.51万户。省市县三级民企 金融直连机制，为7842家企业解决融资1791.58亿元。 "十四五"以来，山东金融系统锚定"走在前、挑大梁"目标，充分发挥金融工具"四两拨千斤"作用，通过 央行政策工具牵引、险资长期资金加持，推动金融资源向重点领域集中。截至2025年9月末，全省科 技、绿色、普惠等金融"五篇大文章"领域贷款余额达6.7万亿元，同比增长16.3%，较各项贷款平均增速 高出7.8个百分点，为绿色低碳高质量发展注入强劲动能。 央行结构性货币政策工具的精准落地，成为金融赋能的"定盘星"。人民银行山东省分行累计9次下调辖 内机构法定存款准备金率，释放长期资金约4600亿元，显著增强金融机构信贷投放能力。"十四五"以 来，支农支小 ...

11月21日，由第一财经主办的"2025第一财经金融价值年会"在上海举行。本届年会以"突破·韧性· 跃迁"为主题，聚焦中国金融行业的前瞻性变革，并构建金融话语平台，同时现场揭晓2025年度"第 一财经金融价值榜"获奖榜单。凭借在绿色金融领域的创新实践与卓越表现，兰州银行荣膺年度"最 佳绿色金融践行机构"奖项。 第一财经金融价值榜（ CFV）峰会是由中国权威财经媒体集团第一财经打造的年度金融评选品牌。 作为最具影响力和权威性的金融评选项目之一，CFV已连续举办19届，广受业界关注。本次价值榜 评选聚集智库和专家力量，权威客观地反映中国金融行业公司与产品价值，形成学术界、商业界和媒 体界认可的金融价值评估标准，为行业提供具有导向性的竞争力排名。 2023年中央金融工作会议明确提出，要做好科技金融、绿色金融、普惠金融、养老金融和数字金融 五篇大文章。近年来，兰州银行坚持把"绿色化"写入战略主线，以金融之力推动区域经济的绿色低 碳转型，在甘肃生态保护、清洁能源发展、产业结构优化等方面持续发挥金融支撑作用，形成了可复 制、可推广的绿色金融实践样本。 绿色金融战略体系扎实落地：从治理到产品的全链条建设 围绕国家 "双碳" ...

在产品与服务创新方面，兴业银行总行发布《兴业银行关于推进绿色金融高质量发展的意见》《兴业银 行绿色金融产品与服务手册（2024年版）》《关于做好转型金融业务推动的通知》等文件，指引各分行 加大绿色金融创新力度；南京分行于2024年编制发布《关于开展碳金融综合服务营销的通知》等文件， 保持本行绿色金融产品创新的活力和动力。 近年来，兴业银行南京分行大力发展绿色金融，持续完善绿色金融产品与服务体系，通过绿色金融"融 资+融智"服务，探索减污降碳协同推进，全面支持江苏生态文明建设。截至2025年10月末，已累计为 江苏2800余家企业提供绿色融资超6600亿元。 持续提升服务能力 兴业银行南京分行一是设立绿色金融部，专门负责辖内绿色金融行业研究、业务推动、业务管理等。辖 内二级分行均设置绿色金融产品经理岗，负责跟进当地绿色项目，参与绿色金融服务方案制定。着力推 进绿色金融万人计划稳健实施，定期开展绿色金融业务培训，总结绿色金融优秀案例，录制绿色金融课 程。二是基于行业研究成果，逐年制定并发布绿色金融及重点行业业务发展规划，明确重点方向、支持 政策、推动措施。该行绿色金融业务已覆盖低碳经济、循环经济、生态经济三大领域 ...

该行深入贯彻"科创江阴"战略部署，将科技金融列为全行发展的战略重心，致力于成为区域创新的"赋 能者"。 江南时报讯 面对金融业同质化困局，江阴农商银行以"特色经营"破题，通过个性化网点布局、业务结 构优化与产品服务创新，重塑增长逻辑，在实现自身高质量发展的征途上，奋力书写新时代金融"五篇 大文章"的生动实践。 做科技创新的"赋能者" 坐落于江阴传统工业重镇的周庄支行，就是该行服务民营经济的一个试点。该行派出专项团队，联动支 行开展产业调研，通过系统梳理区域产业格局与服务基础，结合产业规模与发展潜力，重点锁定金属新 材料、新能源两大核心赛道，打造产业金融特色品牌。在精准洞察产业需求的基础上，该行有针对性地 为民营企业适配金融产品：为金属新材料企业提供供应链融资服务，为新能源企业配套绿色信贷、专利 权质押等特色产品，并以"对公带动零售、零售反哺对公"的综合服务模式为企业主与员工提供财富管 理、个人信贷等零售服务。 在一系列机制与生态协同的推动下，该行科技金融服务成效持续显现。截至2025年9月末，江阴地区的 3700余户重点科创企业中，该行合作覆盖率达64%，授信面为30%，授信总规模达169.3亿元。全行科技 ...

Core Insights - The report highlights the overall stability and quality improvement of China's green finance system in October 2025, driven by policy support and market deepening, with green credit being the main growth driver and a rational price adjustment in carbon markets [2][11]. Group 1: Green Credit - Green credit continues to be the main driver of credit growth, with a new addition of 6.47 trillion yuan in the first three quarters of 2025, accounting for 43.9% of the total loan increase during the same period [3][22]. - As of the end of Q3 2025, the total balance of green loans reached 43.51 trillion yuan, reflecting a 17.5% increase from the beginning of the year [3][22]. - The main sectors benefiting from green loans include infrastructure upgrades, energy transition, and ecological restoration, with a combined balance of 32.62 trillion yuan [25][26]. Group 2: Green Bonds - In October 2025, 62 new green bonds were issued, totaling approximately 53.30 billion yuan, representing a significant decline of 41.35% in quantity and 48.13% in total issuance compared to September [4][29]. - The structure of green bond issuance has become more balanced, with asset-backed securities (ABS) becoming the largest category, accounting for over 54% of the total issuance [5][33]. Group 3: Carbon Market - The carbon market in October 2025 showed a "volume increase and price decrease" trend, with a total trading volume of approximately 41.56 million tons, a 27.09% increase from the previous month, while the total transaction value slightly decreased to 1.99 billion yuan [6][35]. - The average price of carbon allowances fell to 47.84 yuan per ton, indicating a rational market adjustment despite increased trading volume [6][37]. - Cumulatively, the carbon market has seen a total trading volume of approximately 769.9 million tons since its inception, with a total transaction value of about 51.82 billion yuan [6][37]. Group 4: Green Certificate Market - The issuance of green certificates saw a decline in October 2025, with approximately 229 million certificates issued, a decrease of 15.5% from August, while the proportion of tradable certificates increased to 69% [7][39]. - The total trading volume for green certificates in September reached about 65.12 million, with a significant portion being directly related to electricity trading [7][39]. Group 5: Market Data and Trends - The overall trend in green finance indicates a stable increase in volume and quality, with green credit leading the way, while the carbon market and green certificate market exhibit a "volume increase and price decrease" pattern [21][22]. - The green finance sector is becoming a crucial engine for stable growth and transformation in the economy, supported by various policies and market mechanisms [11][21]. Group 6: Corporate Dynamics - Various enterprises are actively engaging in green finance initiatives, such as issuing green bonds and developing innovative financial products linked to carbon footprints, demonstrating their role as key players in the market [45][46]. - Notable activities include the issuance of green financial bonds by the National Development Bank and the launch of a new green low-carbon card by China UnionPay [46][47].

文化是一个国家、一个民族的灵魂。国家、民族的强盛总是以文化的兴盛为支撑，建设金融强国需筑牢 中国特色金融文化的价值基石。 省部级主要领导干部推动金融高质量发展专题研讨班开班式上提出培育和弘扬中国特色金融文化这一重 大课题，赋予了中华优秀传统文化新的时代内涵，进一步指明了提升金融软实力、建设金融强国的前进 方向。 作为国有大型商业银行，交通银行青岛分行（简称"青岛交行"）坚持党建引领，在践行"金融为民，金 融利民"基础上，深刻把握金融工作的政治性、人民性，引导全行员工树立正确的经营观、业绩观和风 险观，让"诚实守信、以义取利、稳健审慎、守正创新、依法合规"成为自觉遵循，探索形成自身文化特 质与特色文化，以文化之力、创新之姿、实干之效，厚植中国特色金融文化，奋力书写精彩的"五篇大 文章"。 涵养金融文化营造风清气正金融环境 赓续红色基因，培育和弘扬中国特色金融文化，是坚持以人民为中心的价值取向、坚守服务实体经济本 源、推动高质量发展、有效防范化解金融风险的必然要求。 青岛交行深刻理解中国特色金融文化的重要内涵，将其融入经营发展全过程，在党建引领、文化融合、 学习教育、典型示范、氛围营造和长效机制建设等方面取得了积 ...

推进绿色服务创新，畅通绿色企业融资渠道。中国人民银行日喀则市分行大力推进绿色金融产品和服务 创新，持续深化政银企合作长效机制，组织辖内各银行机构先后召开14场"一月一主题"政银企融资会， 共为16家中小微企业提供5900万元绿色信贷资金。同时，中国人民银行日喀则市分行结合辖区绿色产业 规划，强化与相关行业部门的沟通协调和信息交流，形成重点产业信贷服务需求清单，组织银行机构据 此清单开展专项对接，完成了川藏铁路、萨迦县风光储一体化项目等重点绿色产业项目的融资对接工 作，完成信贷资金投放21.8亿元。 丰富绿色金融工具，助力绿色金融产品日趋丰富。中国人民银行日喀则市分行按照绿色金融"一地一 品""一行一策"原则，积极推动绿色普惠融合发展。引导农业银行日喀则市分行从基础能力、绿色包 装、场所设计、节能降耗等方面制定实施方案，通过采取营业大厅使用无碳材料装饰、卫生间使用水循 环功能等节能减排举措，完成桑珠孜城西分理处绿色网点验收工作。与此同时，该行通过试点"绿色积 分"模式，为江孜县班觉伦布村农户提供绿色通道专项金融服务，优先办理农户信息建档、"四卡"贷款 证申请及升级、贷款审批发放等业务。截至9月末，共为28户农户 ...

《联合国气候变化框架公约》第三十次缔约方大会（COP30）于11月10日至21日在巴西贝伦举行，今年 恰逢《巴黎协定》通过10周年。当前，全球气候治理处于关键十字路口：一方面，应对气候变化紧迫性 空前；另一方面，实现《巴黎协定》温控目标所需的资金缺口巨大。如何构建一个规模充足、分配公 平、获取便捷的新一代气候资金体系，成为本届大会的核心议题，也将成为影响全球绿色转型的关键因 素。 尤为引人注目的是，东道主巴西倡议设立"永久热带森林基金"，探索以森林碳汇等生态资源为基础，由 全球南方国家自主主导的公共气候基金新模式，展现了发展中国家在气候融资机制创新上的主动性与领 导力，为多边合作提供了新思路。 在公平与效率间寻求平衡 气候资金问题的复杂性，体现在发达国家与发展中国家之间的主要分歧上。这些分歧主要集中在责任界 定、资金性质和使用重点三个方面。 一是责任与路径之争。发达国家倾向于强调动员私营资本和市场机制的作用，而发展中国家则坚持，根 据《巴黎协定》，发达国家应承担提供资金的主导责任。这一根本立场的差异，是谈判需要克服的主要 障碍。 二是资金结构失衡。目前，用于帮助脆弱国家和地区适应气候变化影响的资金严重短缺。同 ...

Core Viewpoint - The rapid growth of green loans in China is supported by the People's Bank of China's recent report, highlighting the importance of green finance in economic transformation and environmental sustainability [1]. Credit Supply Increase - China's financial institutions are enhancing the quality of financial supply for green transformation, with a focus on increasing credit supply to green sectors [2]. - The People's Bank of China encourages financial institutions to optimize credit supply, with a significant portion of new loans directed towards green and low-carbon development [2]. - As of July, the balance of green loans at China Construction Bank exceeded 5.74 trillion yuan, accounting for over 20% of total loans [2]. Green Loan Growth - By the end of 2021, the balance of green loans was 15.9 trillion yuan, which increased to 43.51 trillion yuan by the third quarter of 2025, marking a 17.5% growth since the beginning of the year [3]. - The increase in green credit supply is expected to extend the coverage of green finance and promote low-carbon development in key industries [3]. Product Innovation - Financial institutions are innovating in the carbon market, providing diverse green financial products to support low-carbon development [4]. - The introduction of carbon pledge financing allows companies to use carbon emission quotas as collateral for loans, representing a significant advancement in green finance [4]. Carbon Pledge Financing - Carbon pledge financing is a key form of carbon finance, integrating carbon markets with financial markets, and enhancing the financial functionality of carbon assets [5]. - The participation of securities firms in carbon trading can improve price discovery and market liquidity, benefiting the overall carbon market [6]. Transition Finance - Transition finance is emerging to support high-carbon industries in their green transformation, addressing their unique financing needs [7]. - The core mission of transition finance is to provide necessary funding for low-carbon transitions, preventing high-carbon assets from becoming stranded [7]. Enhancing Green Financial Services - Banks are encouraged to improve green financial services to facilitate the low-carbon transition of traditional industries [8]. - New financing channels, such as linking loan costs to environmental performance, are being explored to incentivize emissions reduction [8]. Information Disclosure Improvement - There is a need to enhance the quality of information disclosure for transition finance, with clear requirements for financing entities to develop transition plans [9].

Core Insights - The People's Bank of China, Shangrao Branch, is actively promoting green finance to achieve dual carbon goals, enhancing collaboration across departments to drive innovation in financial services and products, ultimately supporting ecological protection and economic development [1][5][6] Group 1: Green Loan Growth - As of the second quarter of 2025, the total balance of green loans in Shangrao reached 118.49 billion yuan, marking a year-on-year increase of 28.34%, positioning it as a key driver for the green transformation of the economy [1] Group 2: Innovative Financial Models - The Shangrao Branch has introduced innovative financial models, such as asset-backed lending against future earnings from ecological projects, transforming dormant assets into active revenue streams [2] - For instance, the Bank of China Shangrao Branch issued 450 million yuan in loans to support the construction of the Gexianshan Scenic Area by leveraging future revenue from integrated visitor services [2] - Additionally, the Construction Bank Shangrao Branch utilized a "water surface operating rights pledge" model to provide 180 million yuan in credit for water resource enhancement projects, which improved the livelihoods of 120,000 residents and increased aquaculture output value by 40% [2] Group 3: Focus on Green Transformation in Key Industries - The Shangrao Branch is focusing on green transformation in sectors such as ecological agriculture, industrial parks, and homestays, utilizing various financial tools to support these industries [3][4] - In ecological agriculture, projects have been initiated to establish agricultural service centers, providing long-term low-cost funding for modern farming equipment, resulting in significant carbon reduction [4] - In industrial parks, a steam centralized heating project received 250 million yuan in loans, leading to a reduction of 80,000 tons of carbon dioxide emissions annually [4] Group 4: Collaborative Green Finance Ecosystem - The Shangrao Branch is building a collaborative green finance ecosystem through institutional frameworks, inter-departmental cooperation, and platform development [5][7] - A comprehensive plan has been established to promote high-quality development of green finance, focusing on both low-carbon industry growth and the green transformation of high-carbon industries [5] - The establishment of a green project library and a joint review mechanism aims to enhance the efficiency of green financial resource allocation [6][7] Group 5: Support for Rural Development - The Shangrao Branch is supporting rural development initiatives in Wuyuan County by implementing policies that promote ecological product value realization and low-carbon financial development [6] - Five major projects have been launched to enhance the region's green development, including initiatives focused on cultural heritage and tourism [6]