文 杨井鑫 在这一框架下，绿色金融是其中关键一环。作为支撑我国绿色转型的重要制度安排，在历经十余年的发 展之后，我国绿色金融的规模已位列全球首位，绿色金融对产业的赋能作用越加明显，其价值创造功能 逐渐显现，已成为推进中国式现代化的时代命题。 从"10万亿"到"40万亿" 一场以低碳为路径、以发展为使命的深刻变革正全面展开。 "十五五"规划建议中，"降碳、减污、扩绿、增长"协同推进的部署，标志着中国绿色发展进入到了新阶 段。绿色发展不再是经济增长的约束条件，而是通过系统性变革实现更高质量、更可持续增长的核心引 擎。 我国绿色金融的发展历程充满了时代特色。1995年，中国人民银行发布《关于贯彻信贷政策与加强环境 保护工作有关问题的通知》，首次将环境保护要求纳入到信贷框架中，成为中国绿色金融发展的历史起 点。 2005年，时任浙江省委书记习近平同志在浙江安吉首次提出了"绿水青山就是金山银山"的"两山理论"， 不仅为中国生态文明建设指明了方向，更为绿色金融发展赋予了核心使命和价值遵循。 2007年，中国绿色金融制度正式迎来了序章。这一年，中国人民银行、原银监会等三部委联合出台《关 于落实环境保护政策法规防范信贷风险的 ...

Core Viewpoint - The 2023 ESG report of Guangfa Bank highlights its commitment to high-quality and sustainable development while actively fulfilling social responsibilities and improving its ESG performance [1] Group 1: Governance and Risk Management - Guangfa Bank deepened its party leadership to enhance governance and improve service quality, focusing on innovation and risk management [2] - The bank has strengthened its risk control system, improving the precision of risk management [2] Group 2: Support for the Real Economy - The bank emphasizes serving the real economy, implementing measures to reduce fees, resulting in a fee reduction of 104 million yuan benefiting over 420,000 customers [3] - It has increased support for key strategic areas, with public loans in major economic regions accounting for 88.7% of total loans [3] Group 3: Financial Innovation - Guangfa Bank supports national technological innovation, with a technology loan balance reaching 188.471 billion yuan by the end of 2023 [4] - The bank is advancing digital transformation to meet diverse customer needs through innovative financial products [4] Group 4: Customer Rights and Service Quality - The bank prioritizes customer rights, achieving a satisfaction rate of 98.12% for its customer service hotline [5] - It has conducted over 15,000 financial education activities, reaching 200 million customers [5] Group 5: Low-Carbon Development - Guangfa Bank is committed to green development, issuing seven green financial products and achieving a green loan balance of 154.367 billion yuan [6] Group 6: Employee Development - The bank ensures equal opportunities for employees and has conducted nearly 20,000 training programs, benefiting over 620,000 employees [7] Group 7: Community Engagement and Charity - Guangfa Bank has actively engaged in social responsibility, with agricultural loans totaling 170.999 billion yuan and charity projects amounting to 12.6279 million yuan [9]

Core Insights - The "2024 Global Leaders Conference on Environment, Social, and Governance (ESG)" was held in Shanghai, focusing on promoting global ESG cooperation, development, and win-win outcomes [1] - The importance of green finance as a necessary path for high-quality development was emphasized, with green finance being a key component of the financial sector's strategic initiatives [3] Group 1: ESG and Green Finance Development - ESG is widely recognized as a value concept and investment guideline essential for high-quality development [3] - The development of green finance is seen as an essential responsibility for asset management companies to embrace ESG [3] - Leading asset management institutions have been actively implementing sustainable development concepts, highlighting the significance of ESG governance in enhancing service levels and promoting overall industry development [3] Group 2: Role of Bank Wealth Management - Bank wealth management is identified as a crucial force in supporting the green transformation of the economy and society, serving as a vital tool for converting social wealth into green capital [3] - There is a preliminary formation of a multi-layered green finance product and market system in China, primarily consisting of green loans and green bonds, but there remains significant room for development in green asset management [3] Group 3: Challenges in Green Finance - Common challenges faced by bank wealth management in developing green finance include a relatively small overall market size for green financial products compared to other asset management products [4] - There is a need for increased innovation in green and ESG-themed financial products, as well as improvements in investment capabilities [4] - The establishment of a standardized ESG investment and product framework is still lacking, and investor awareness of the long-term value of green investments is insufficient [4] Group 4: Future Outlook - The future development of green wealth management is viewed optimistically, with bank wealth management companies actively responding to policy calls by issuing ESG, green, and low-carbon themed financial products [4] - As the green transformation of the economy deepens, wealth management companies are exploring product development, ESG investment strategies, and management system construction in the green finance sector, which is expected to lead to a steady increase in the scale of green financial products [4]

Core Insights - The increasing emphasis on sustainable development has made ESG (Environmental, Social, and Governance) a crucial standard for evaluating corporate performance, particularly in the banking sector, which plays a vital role in supporting the real economy [3] - China Bank's 2024 operational performance shows steady growth despite external pressures, with total revenue reaching 632.8 billion yuan, a year-on-year increase of 1.38%, and net profit of 252.7 billion yuan, up 2.58% [3] ESG Performance - China Bank's domestic green credit balance reached 4.07 trillion yuan, with a year-on-year increase of 31.03%, and accounted for over 20% of total domestic loans [5] - The bank has focused on supporting green industries such as energy conservation and environmental protection, with projects like carbon capture technology demonstrating significant environmental benefits [5][6] - The bank has launched various green financial products, including the first natural benefit-type ESG-linked loan in China, which incentivizes companies to achieve environmental and social benefits [6][7] Green Financial Products - China Bank has developed a comprehensive range of green financial products, including green bonds and green consumption initiatives, positioning itself as a leader in the market [7] - In 2024, the bank issued the world's first SGS (Sustainable-linked loans, green loans, and social responsibility loans) bond and has been active in the green bond market, with a total issuance of 261.84 billion yuan [7][8] Social Responsibility - The bank has significantly increased its support for small and micro enterprises, with a balance of 2.28 trillion yuan in inclusive loans, growing by 29.63% year-on-year [11] - China Bank has also implemented a cross-border matchmaking platform to support small and medium enterprises in international cooperation, enhancing their global development [12] Digital Transformation - The bank has made substantial investments in technology, with 23.809 billion yuan allocated to information technology in 2024, representing 3.76% of its revenue [16] - China Bank's digital transformation efforts include automating over 3,000 processes and enhancing its cloud platform, which consists of 38,000 servers [18][19] Governance and Risk Management - The bank has improved its asset quality, with a non-performing loan ratio of 1.25% and a capital adequacy ratio of 18.76%, reflecting effective risk management practices [16] - China Bank has established a comprehensive risk management system to identify and mitigate risks across its operations [17]