作为地方农村金融主力军，兴化农商银行始终将绿色发展理念融入信贷服务体系。该行依托ESG顶层设 计，构建特色绿色信贷产品库，截至2025年11月末，绿色贷款余额达25.86亿元。在本项目推进中，该 行开辟绿色审批通道，将生物多样性保护成效作为授信评审核心指标，精准赋能生态农业发展。 下一步，兴化农商银行将深入贯彻金融"五篇大文章"工作要求，锚定绿色低碳发展方向，持续深化绿色 金融体系建设，优化绿色信贷产品矩阵，拓宽生物多样性保护、生态农业等领域融资渠道，精准加大重 点领域信贷投放力度。积极参与中国人民银行泰州市分行牵头的转型金融先行区建设，健全转型金融服 务机制，完善ESG授信评审体系，将生态效益、生物多样性保护成效深度融入信贷全流程。不断强化金 融产品与服务创新，探索更多适配绿色产业发展的特色金融模式，助力产业绿色转型提质，切实发挥地 方农村金融主力军作用，为区域生态保护与经济社会可持续发展提供更坚实、更优质的金融支撑。孙逊 徐晋 该项目严格遵循《生物多样性金融目录（试用稿）》中"生态农业生产"标准及《昆明—蒙特利尔全球生 物多样性框架》相关要求，通过引入先进生态种植技术、设施农业技术及智能化管理模式，配套建 ...

Core Insights - The 17th China (Jinan) International Information Technology Expo showcased China Construction Bank (CCB) Shandong Branch's commitment to integrating digital finance with the real economy and digital economy [1] Group 1: Technological and Green Finance - CCB Shandong Branch has strengthened its technological finance services, with a technology loan balance of 244.7 billion yuan, an increase of 66.6 billion yuan since the beginning of the year, serving nearly half of the technology enterprises in the region [1] - The bank has innovatively launched 16 green credit products, achieving a green credit balance of 263.6 billion yuan, with a growth rate of 25% and an increase of 52.7 billion yuan since the beginning of the year [1] Group 2: Inclusive Finance - CCB Shandong Branch adheres to the principle of "finance for the people," with an inclusive loan balance of 163.6 billion yuan, serving 173,600 customers, and the "Hui Dong Ni" intelligent service platform has provided convenient credit services to over one million inclusive finance customers [2] - The bank's "Jian Yang An" pension finance brand has seen a loan growth rate exceeding 70%, with a social security card issuance of 14.75 million, and a cumulative return rate of 41.43% for occupational annuities [2] Group 3: Digital Finance - The bank's mobile banking and "Jian Hang Life" platform have attracted 35.78 million users, facilitating local life services and government consumption subsidy activities, with a total subsidy amount of 9.57 billion yuan expected by 2025 [3] - CCB Shandong Branch has actively engaged in digital RMB initiatives, launching various promotional activities to encourage the use of digital payment tools, while ensuring consumer rights protection [3] - The introduction of the virtual digital human "Long Zhi Wei" at the expo highlights the bank's commitment to reshaping service paradigms through digital finance, providing 24/7 financial services [3] Group 4: Future Directions - CCB Shandong Branch aims to continue advancing in the five key areas of technological finance, green finance, inclusive finance, pension finance, and digital finance, contributing to high-quality development of the real economy and showcasing new responsibilities in the context of China's modernization [4]

人民银行苏州市分行相关负责人表示，将持续立足"环太湖生态圈"资源禀赋，以政策引导为抓手， 聚焦生物质能利用、湖体富营养化治理、湿地生态修复等重点领域，推动金融机构迭代升级"生物多样 性绩效挂钩贷款"产品体系，进一步撬动社会资本投向绿色发展新赛道，助力实现生态保护、绿色发展 与民生改善有机统一，为美丽江苏建设注入强劲金融动力。 据介绍，项目通过污泥焚烧技术彻底分解重金属及持久性有机污染物，从源头避免了填埋渗漏引发 的跨介质污染，每年可释放填埋库容约18万立方米，相当于25个标准足球场（1.5米深度）的土地空 间；同时有效降低恶臭、渗滤液对太湖支流及周边湿地的影响，为青脚鹬、黑翅长脚鹬等迁徙水鸟守护 了优质栖息地。此外，项目副产的高活性粉煤灰可100%替代水泥原料，供给周边建材企业使用，进一 步减少矿山开采对山体植被的破坏，助力区域生态系统良性循环。 值得关注的是，人民银行苏州市分行在贷款实施过程中指导金融机构严格依据相关要求，将"病原 微生物灭活率"纳入贷后核心核查指标。该项目通过1100℃以上高温处置工艺，实现污泥中99.9%的细 菌、病毒及寄生虫卵被杀灭，大幅降低病原体传播的生态风险，为该类信贷项目生物安全 ...

Core Viewpoint - The comprehensive utilization of aquatic plants can address ecological pollution caused by their decay in water bodies while providing new resources for economic and social development, achieving a win-win situation for ecological and economic benefits [2]. Group 1: Current Issues in Aquatic Plant Utilization - Insufficient policy support exists for the comprehensive utilization of aquatic plants, which involves multiple stages such as harvesting, transportation, and development, making it difficult for enterprises to sustain efforts alone [1]. - The degree of resource utilization is low, with current applications mainly focused on feed and food, while new fields like renewable energy and pharmaceuticals remain underexplored [1]. - Technological innovation is relatively lagging, with inadequate integration of industry, academia, and research, leading to challenges in overcoming key technical issues that affect the breadth and depth of resource utilization [1]. Group 2: Recommendations for Improvement - Strengthening government leadership is essential, suggesting a "government subsidy + market operation" model to support enterprises in establishing local factories or raw material bases, thereby reducing costs associated with aquatic plant cultivation and harvesting [2]. - Establishing a comprehensive support policy system for aquatic plant resource utilization is recommended, including prioritizing procurement of biodegradable products and promoting green credit products related to aquatic plant utilization [2]. - Encouraging technological innovation through collaboration between enterprises, universities, and research institutions is vital to enhance scientific research and expand product application areas, increasing product value and market competitiveness [2].

Core Viewpoint - The development of green finance in rural small and medium-sized banks is crucial for transforming ecological advantages into economic benefits, aligning with the "Two Mountains" theory [1][2]. Group 1: Advantages of Rural Small and Medium-sized Banks - Rural small and medium-sized banks are well-positioned to connect ecological resources with economic value due to their local presence and understanding of regional ecological resources [1]. - These banks can quickly design personalized financial products and services, facilitating a positive cycle of "ecological protection - industrial development - financial profitability" [1][2]. - The proximity to local governments enhances the efficiency of financial resources and policy resource integration [1]. Group 2: Challenges in Green Finance Development - Current challenges include difficulties in identifying green projects, inadequate risk-sharing mechanisms, and a lack of specialized green finance talent [2]. - There is a need for collaboration with local government and third-party institutions to improve risk-sharing mechanisms and enhance employee training [2]. Group 3: Opportunities for Rural Small and Medium-sized Banks - The national "dual carbon" goals and rural revitalization strategy present significant opportunities for these banks [2]. - Policy incentives, such as the central bank's carbon reduction support tools and local government risk compensation, lower the operational costs of green finance [2]. - The growing market demand for green financing, driven by the "dual carbon" goals and new business models in ecological agriculture and rural tourism, opens up new avenues for green loans and bonds [2]. Group 4: Strategic Recommendations - Rural small and medium-sized banks should accelerate product innovation to create flexible green credit products tailored to local economic characteristics [3]. - Exploring a combination of "green credit + green insurance" can provide additional security for green projects and enhance collaboration with policy banks to improve loan accessibility [3].

Core Viewpoint - The article emphasizes the need to establish a comprehensive ecological product value realization system to address challenges in measuring, mortgaging, trading, and monetizing ecological products, particularly in the context of the 20th anniversary of the "Green Mountains and Clear Water are Gold and Silver Mountains" concept [1][2]. Group 1: Establishing Ecological Product Value Systems - The establishment of an ecological product value evaluation system is crucial, which includes developing accounting standards for ecological product values and creating a directory of ecological products [2]. - A mechanism for applying ecological product value accounting results should be established, linking fiscal transfer payments and ecological protection compensation to these results [2]. Group 2: Enhancing Ecological Product Trading - Improving the ecological product rights trading system is essential, focusing on creating a diversified ecological protection compensation mechanism to facilitate the trading of ecological resource rights [2]. - The principle of "whoever restores, benefits" should guide the allocation of natural resource asset usage rights to incentivize social investment in ecological protection and restoration [2]. Group 3: Promoting Green Financial Products - Financial institutions are encouraged to launch green credit products, including rights related to land management, forest management, and ecological compensation [5]. - The establishment of risk compensation funds, ecological guarantee funds, and ecological insurance is recommended to enhance the risk-sharing mechanism for ecological products [5]. Group 4: Developing Ecological Tourism - The article highlights the importance of developing and enhancing ecological tourism in the northern Guangdong region, focusing on key scenic areas and integrating ecological and cultural tourism strategies [6].

Group 1 - The core viewpoint emphasizes the commitment of the Industrial and Commercial Bank of China (ICBC) Guilin Branch to green development, focusing on providing diversified financial services to inject "green momentum" into economic development and support ecological protection in Guilin [1][2] - As of June 30, 2025, the balance of green financial loans increased by 12.6 million yuan compared to the beginning of the year, reflecting the practical application of the concept that "lucid waters and lush mountains are invaluable assets" in Guilin [1] - The bank has tailored green financial services for local enterprises involved in ecological protection, green agriculture, and renewable energy, addressing their funding needs during the green transition [1] Group 2 - The ICBC Guilin Branch plans to deepen its green finance practices by increasing credit investment in green industries and innovating more financial products and services that meet local green development needs [2] - The bank aims to strengthen collaboration with government departments, environmental organizations, and green enterprises to build a multi-party interactive green financial ecosystem [2] - This initiative is intended to provide robust financial support for Guilin's green low-carbon development, ecological environment protection, and the construction of a world-class tourist city [2]

Core Viewpoint - The integration of green finance with rural energy transformation is essential for achieving rural revitalization and modernizing agriculture, providing necessary financial support for clean energy transition in rural areas [1][2]. Group 1: Current State of Rural Energy Transformation - Rural energy consumption is gradually shifting from traditional energy sources like firewood and coal to modern clean energy sources such as electricity, liquefied gas, solar, and wind energy [2]. - As of June 2024, household photovoltaic installations in rural areas reached 131.84 GW, accounting for approximately 42.6% of the total distributed photovoltaic capacity in China [2]. - Government support for rural energy transformation includes funding for projects like "coal-to-electricity" heating, but reliance solely on fiscal funds is insufficient for sustainable progress [2]. Group 2: Challenges in Green Finance for Rural Energy - The implementation of green finance projects in rural areas faces several challenges, including high initial investment costs, long payback periods, and limited product variety [4]. - The lack of a unified green finance standard and project certification system complicates the identification of eligible projects [5]. - Rural areas often have underdeveloped infrastructure, with only 11.9% of rural regions connected to natural gas, which hinders the acceptance of green finance projects [6]. Group 3: Government and Institutional Support - The government should establish unified green finance standards and enhance information disclosure to improve project transparency and attract financial institutions [7]. - Financial institutions are encouraged to innovate and provide tailored financial products for small renewable energy projects, addressing the diverse needs of rural areas [8]. - There is a need for enhanced project identification capabilities using financial technology to improve the efficiency and accuracy of green finance services [8]. Group 4: Future Directions for Rural Energy Development - There is a call to optimize the rural energy supply structure by promoting distributed energy projects and reducing reliance on traditional energy sources [9]. - Collaboration between government and financial institutions is essential for raising awareness and training personnel in green finance and energy transformation [9].

Core Insights - The article emphasizes the importance of selecting the right financing channel based on urgency and cost, highlighting the trade-offs between speed and interest rates [3][11]. Financing Channels - Banks offer loans with a low annual interest rate of 4%-8%, but the approval process takes 3-7 days, making them suitable for long-term funding plans [3][5]. - Financing leasing can provide funds within 1-3 days, but the annual interest rates range from 10%-15%, making it ideal for equipment-backed financing [3][5]. - Local micro-lending institutions can disburse funds on the same day, but the interest rates can soar to 12%-24%, catering to urgent cash flow needs [3][5]. Loan Matching Strategies - Companies should strategically match loan tools to their needs, using collateral loans for high amounts and credit loans for flexibility in urgent situations [5][11]. - The article suggests a tiered financing approach, starting with accounts receivable pledges to address immediate cash flow issues, followed by long-term loans for equipment upgrades [7][11]. Hidden Costs and Optimization - The article warns about hidden costs such as service fees and account management fees that can significantly increase the effective interest rate [9][11]. - A strategy of "short debt for long debt" is recommended to reduce monthly repayment pressure, and companies are encouraged to leverage accounts receivable for quick cash [9][11]. Green Financing Opportunities - Green credit products are highlighted as beneficial for environmentally friendly companies, offering lower interest rates and potential government subsidies [7][11].

Group 1 - The emergence and development of green finance policies provide new opportunities for corporate financing, particularly in expanding financing channels, reducing financing costs, and guiding corporate green transformation [1][3][4] - Green finance policies encourage financial institutions to increase funding support for green projects, leading to the development of specialized green credit products that offer easier access to loans for companies in environmentally friendly sectors [1][3] - The issuance of green bonds, supported by the government, creates a broad platform for corporate green financing, often allowing for lower interest rates compared to traditional bonds, thus optimizing debt structures and reducing financing costs [1][3] Group 2 - Green finance policies provide tangible financing cost benefits for green enterprises, with financial institutions lowering loan rates and waiving fees, which directly reduces interest expenses and enhances profitability [3][4] - Government fiscal subsidy policies further alleviate financing pressures on companies, enabling them to invest saved funds into technology development and market expansion, thereby improving product quality and service levels [3][4] - The recognition of a company's green image in the market attracts more investors and partners, creating a virtuous cycle that further lowers financing costs for green enterprises [3][4] Group 3 - Green finance policies effectively guide companies towards green innovation, prompting them to invest in energy-saving and resource-recycling technologies to enhance environmental performance and production efficiency [4] - The pressure and guidance from green finance policies lead high-pollution and high-energy-consuming enterprises to explore clean production technologies, facilitating their transition to green low-carbon models [4] - The implementation of green finance policies promotes the flow of social funds from high-pollution industries to green industries, enabling rapid development of emerging sectors like renewable energy and environmental protection [4]