羊城晚报记者 戴曼曼 广东金融学院校长、二级教授易行健分析表示，一方面住户存款增长加快，增量达1.3万亿元，增速高 达9.3%；另一方面住户消费贷款出现了负增长，其中短期消费贷款下降771亿元，中长期消费贷款下降 22亿元，住户经营贷款保持增长但增速也有所放缓。这说明住户部门的"钱袋子"已经开始鼓起来了，但 他也表示，信心和预期的修复还需要时间。 在易行健看来，中央经济工作会议明确提出要实施更加积极有为的宏观政策，持续扩大内需、优化供 给，深入实施提振消费专项行动，制定实施城乡居民增收计划，相信随着政策落地见效，居民消费投资 信心也将逐步修复。 精准滴灌 贷款结构优化 从一组数据可以看出，广东融资结构持续优化，与经济高质量发展的适配性进一步提升：2025年11月 末，广东金融"五篇大文章"领域贷款余额12.7万亿元、同比增长10.8%，比年初增加1.2万亿元、增量占 全省贷款增量比重近八成；其中养老产业贷款增速高达95.0%，绿色贷款增速24.2%，科技、普惠、数 字经济产业贷款增速均显著高于各项贷款平均水平，勾勒出产业升级的清晰路径。 广东金融正支持重点领域发展，推动更多金融资源以较低成本流向科技创新、绿色 ...

近年来，在烟台市委、市政府和监管部门的坚强领导下，中国银行烟台分行深入贯彻落实国家"双碳"战 略，始终将发展绿色金融作为服务实体经济、践行社会责任的重要抓手，持续加大绿色信贷投放力度， 全力支持烟台绿色低碳高质量发展。 （通讯员 潘逢源 张艳玲） 锚定双碳目标，继续贡献力量，擘画绿色金融新篇章。一是强化联动协同，降本提质增效。加强与市财 政局、发改委联动，建立绿色项目库，精准服务，确保政策红利直达企业。对烟台市重点企业、重点项 目加大绿色信贷支持力度，对符合条件的项目"应贷尽贷"，进一步降低企业融资成本。二是强化政策引 领，优化资源配置。紧跟国家和地方绿色发展战略，进一步细化绿色信贷政策，明确支持重点和准入标 准。加大对绿色产业的资源倾斜力度，确保绿色信贷额度充足，优先满足优质绿色项目的融资需求。未 来三年，重点支持绿色制造、绿色交通、清洁生产、节能环保等清洁能源产业发展，助力烟台打造千万 千瓦级新能源基地。三是聚焦关键领域，支持核心项目。持续加大绿色金融支持力度，完善绿色金融产 品和服务绿色低碳发展。制定国家级、省级水网先导区建设项目营销攻坚方案，开通绿色审批通道，为 水利行业相关企业和项目提供涵盖交易、融 ...

Core Insights - The successful implementation of the first green foreign debt pilot business in Sichuan province marks a new phase in cross-border financial support for green industry development [1][2] - The energy company involved is the largest in Southwest China, specializing in the entire natural gas industry chain, and plays a crucial role in ensuring regional energy supply stability [1] Group 1: Business and Policy Impact - The green foreign debt pilot policy reduces the risk conversion factor for green project foreign debt to 0.5, significantly expanding the cross-border financing capacity for enterprises [2] - The one-stop service for account opening and fund exchange provided by banks enhances the convenience of green foreign debt business processing [2] Group 2: Financial Solutions and Innovations - The establishment of a dedicated service team by ICBC Sichuan branch prior to the pilot policy allows for tailored financing solutions leveraging policy benefits [2] - The collaboration with ICBC Macau branch provides lower-cost cross-border funding support, effectively mitigating exchange rate risk and reducing financing costs [2] Group 3: Future Directions - ICBC Sichuan branch aims to deepen cooperation with domestic and international institutions, continuously optimizing the green cross-border financing product system [2] - The focus remains on providing low-cost, high-efficiency funding solutions to support the high-quality development of green industries and contribute to Sichuan's dual carbon goals [2]

Core Points - The green foreign debt pilot policy was officially implemented in Jiangsu province on November 1, allowing eligible non-financial enterprises to borrow foreign and domestic currency for green low-carbon transformation projects [1][2] - The pilot policy aims to support green low-carbon development, serve the real economy, and expand financing channels for enterprises [1] - The policy allows such projects to occupy less of the enterprise's overall cross-border financing risk-weighted balance, thereby increasing the upper limit of cross-border financing [1] Summary by Sections Implementation and Initial Success - On the same day the policy was implemented, Industrial Bank's Nanjing branch successfully executed Jiangsu's first green foreign debt pilot business through its Taizhou branch [1][2] - The bank formed a cross-functional team to identify eligible enterprises, focusing on key indicators such as foreign debt limits, compliance of use, and exchange rate risks [2] Targeted Enterprises - The team identified RT Company, a private enterprise established in July 2015, which specializes in chemical products and has been certified as a high-tech and "little giant" enterprise in Jiangsu [2] - RT Company's borrowing project met the requirements for green low-carbon transformation, leading to expedited support from the bank [2] Future Plans - Industrial Bank's Nanjing branch plans to continue promoting the green foreign debt pilot and enhance foreign exchange management services to support the real economy's green transformation and high-quality development [3]

Core Viewpoint - The implementation of the green foreign debt pilot policy in Jiangsu aims to support green low-carbon development and expand financing channels for enterprises, allowing eligible non-financial companies to borrow foreign and domestic currency for green projects while minimizing the impact on their overall cross-border financing limits [1][2]. Group 1: Policy Implementation - The green foreign debt pilot policy was officially launched in Jiangsu on November 1, with the support of the State Administration of Foreign Exchange Jiangsu Branch [1]. - The policy allows eligible non-financial enterprises to raise funds from abroad specifically for green or low-carbon transformation projects, enhancing their cross-border financing capacity [1]. Group 2: Bank's Response - China Construction Bank Jiangsu Branch actively responded to the policy by establishing internal control systems and conducting training, while also promoting the initiative to enterprises [2]. - A successful case involved a grain and oil enterprise in Yancheng, which received 5 million RMB in green foreign debt on the first day of the policy's implementation, highlighting the bank's commitment to providing tailored financial services [2]. Group 3: Benefits for Enterprises - The enterprise benefited from higher efficiency in financing through the green foreign debt channel, which improved the flexibility of cross-border fund management and mitigated exchange rate risks by borrowing in RMB [2]. - The funding is crucial for the successful implementation of the enterprise's green manufacturing projects and supports its sustainable development goals [2]. Group 4: Future Plans - China Construction Bank Jiangsu Branch plans to continue enhancing integrated services for clients and improve the convenience of cross-border investment and financing, aiming to support more quality enterprises in Jiangsu's economic development [2].

Core Viewpoint - The Bank of China Ningbo Branch has become one of the first pilot banks for non-financial enterprise green foreign debt in Ningbo, supporting enterprises in expanding financing channels and promoting green finance development [1][2]. Group 1: Green Foreign Debt Pilot Program - The State Administration of Foreign Exchange has launched a green foreign debt foreign exchange management policy pilot in 16 provinces and cities, including Ningbo, to encourage non-financial enterprises to use cross-border financing for green or low-carbon transformation projects [1]. - The pilot program aims to help enterprises expand their cross-border financing space and reduce financing costs, providing strong financial support for achieving carbon neutrality goals [1]. Group 2: Bank's Initiatives and Achievements - The Bank of China Ningbo Branch has established a special working group to conduct policy training and improve internal control systems for green foreign debt pilot business [2]. - On the first day of the pilot policy implementation, the bank successfully processed two green foreign debt transactions for local companies, with funds allocated for green projects such as new energy lithium batteries and new energy vehicles [2]. - The bank has streamlined the registration process for green foreign debt, enhancing efficiency and reducing the impact on the foreign debt quota, thereby increasing the upper limit of cross-border financing [2].