巍峨乌蒙，重峦叠嶂。曾几何时，贵州毕节受限于"地无三分平"，金融服务难以惠及磅礴大山的每个角 落。而今日该市正以深化普惠金融为笔，在这片充满希望的土地上，描绘着一幅金融活水精准滴灌、润 泽民生的生动画卷。 "没想到山林里的碳汇也能当抵押物，这笔绿色普惠贷款真正是'点绿成金'！"赫章县海雀村的集体经济 通过贵州省首张林业碳票质押获得贷款时，村支书喜出望外。毕节市创新推动绿色普惠金融融合，联合 相关部门建立"绿色普惠主体名录库"，单列再贷款支持绿色普惠领域，引导金融机构创新林业碳汇、取 水权、碳排放权等绿色权益质押融资模式，推出"绿色普惠贷""绿色银行承兑汇票"等特色产品，打 造"公益诉讼+绿色金融""生态账户+绿色普惠信用工程"等服务模式。截至2025年11月末，毕节市绿色普 惠贷款余额432.16亿元，同比增速11.25%。 针对乡村文旅经营主体的融资难题，毕节市有针对性地创新构建主办银行工作机制，点"旅"成金，引导 金融机构"一户一策"优化金融服务，开展乡村旅游重点村信用工程建设，创新"非遗振兴贷""黔途悠 宿""黔旅快贷"等产品，破解文旅主体贷款难、贷款慢问题。截至2025年11月末，毕节市乡村文旅产业 ...

Core Insights - The city of Huzhou has made significant progress in green finance since being approved as a national pilot zone in June 2017, with energy consumption per ten thousand GDP decreasing from 0.52 tons of standard coal in 2017 to 0.40 tons in 2024, and green credit balance increasing from 36.95 billion yuan to 409.8 billion yuan, accounting for 33.9% of total loans, surpassing the national average by nearly 20 percentage points [1] Group 1: Green Finance Development - Huzhou's green finance achievements are the result of a decade-long effort, with local financial institutions deeply integrating their business with green initiatives [1] - Agricultural Bank of China Huzhou Branch has been a pioneer in green finance, starting its green development path in 2016 and becoming the first national green finance reform demonstration bank in 2022 [2] - The bank has established a comprehensive green financial service evaluation system, focusing on multiple dimensions such as "identifying green," "assisting green," and "promoting green" [2] Group 2: Green Identification and Evaluation - The bank has developed a "green professional model" to quantitatively assess the "greenness" of enterprises, utilizing a data-driven approach to enhance the evaluation process [3] - A dynamic "green identification" strategy is in place, which includes monitoring ESG (Environmental, Social, and Governance) changes and providing differentiated credit solutions [4] - The bank has launched a comprehensive green financial big data platform, integrating various functions such as green identification, ESG evaluation, and risk warning [4] Group 3: Product Innovation and Internal Policies - The bank has created over 50 specialized green financial products across six categories, including green projects, green investment banking, and green digital finance [6] - To facilitate the implementation of green financial products, the bank has adopted differentiated policies in credit approval, interest rate pricing, and resource allocation for green clients [7] - The bank emphasizes internal performance evaluation and incentive policies to drive green finance initiatives, integrating green concepts into all operational aspects [8] Group 4: Collaborative Efforts and Branding - The bank promotes the establishment of a "green professional alliance" to enhance cooperation with government, industry peers, and think tanks, facilitating policy alignment and information sharing [9] - The "Nongqing Lvy" brand was created in 2019, becoming the first exclusive green finance brand in the national system, with a series of innovative products launched under this brand [10] - The bank has engaged in charitable activities and partnerships to support green development and poverty alleviation, demonstrating its commitment to sustainable finance [11]