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]