打造创新产品，激活企业低碳转型动力 江西省成为全国农业、铜产业转型金融标准试点省。江西银行紧扣地方产业特色与企业转型需求，创新 推出绿色转型贷专项金融产品，填补传统行业转型金融服务空白。产品在2025年江西省"天工杯"金融系 统职业技能竞赛荣获绿色金融产品一等奖。 党的二十届四中全会提出，要加快经济社会发展全面绿色转型、建设美丽中国。江西银行作为省属法人 银行，承载着服务地方经济、支持绿色发展的使命。自成立以来，江西银行始终秉承绿色发展理念，将 生态文明建设作为银行发展的重要方向，致力于通过金融力量推动社会经济的可持续发展。 近年来，江西银行在发展绿色金融的基础上，深耕转型金融，打造转型金融专属产品绿色转型贷，获江 西省"天工杯"金融系统职业技能竞赛绿色金融产品一等奖，先后落地全省首笔农业转型贷款、全省首笔 铜产业转型智能工厂建设贷款、全省首笔化工转型贷款，实现省内各地市全覆盖，自主研制《农业企业 转型计划书编绘指南》被江西省金融学会作为省内农业转型标准推介给各金融机构参考，承办全省转型 金融推进会，多次就转型金融作典型发言。 凭借其在转型金融领域的系统规划、扎实成效与创新引领，以及对绿色可持续发展所作出的重 ...

在"十四五"规划收官与"十五五"规划启航的关键交汇点，中国金融业正以前所未有的深度与广度，做深 做实科技金融、绿色金融、普惠金融、养老金融、数字金融"五篇大文章"。 2025年，围绕强化服务实体经济、深化金融科技融合、优化风险与结构等关键词，银行业与保险业全面 推进高质量发展与高水平对外开放，稳中求进、以进促稳，全面推进高质量发展与高水平对外开放，在 服务中国式现代化建设的新征程上奋楫前行。 站在新征程的起点，金融业仍需精准把控金融"活水"的流向，将资金和资源切实配置到国家鼓励的科 技、绿色、养老等关键领域。实现从"有"向"优"、从"广"向"精"的深刻转变，全力支持新质生产力的有 效发展，不仅要在量上保障供给，更要在质上实现飞跃。 保障民生 构建"产品+服务+生态"三重防护网 在社会经济体系中，保险扮演着经济减震器和社会稳定器的角色，通过市场化的产品和服务，可触达、 可感知、可持续地融入国民生活的每一天，是实现人民美好生活的重要支撑。 基于对政策导向与市场需求的深刻洞察，友邦人寿持续优化医疗险产品体系，推出"智选逸生"医疗保 险，主要基于对政策导向与市场需求的深刻洞察。这一产品采用"一个核心（基础住院保障和指 ...

Core Viewpoint - Green finance is not only a core engine driving the green transformation of the economy and society but also a solid shield for achieving the vision of a beautiful China [1] Group 1: Green Finance Initiatives - Numerous green finance policies have emerged in recent years, with financial institutions actively increasing green credit [1] - The "green credit" initiatives are transforming ecological resources into shared capital and turning carbon reduction costs into development dividends [1] Group 2: Case Study - Bamboo Industry in Longyou County - In Longyou County, the bamboo industry is becoming a significant force in achieving the "dual carbon" goals, but funding remains a challenge for industry upgrades [2] - Longyou Rural Commercial Bank has launched specialized credit products such as "Government-Bank Guarantee," "Ecological Chain Loan," and "Green Transition Loan" to support the bamboo industry [3] - As of the end of October, the bank has issued loans to 45 bamboo industry clients, with a total balance of 119 million yuan [3] Group 3: Case Study - Waste Carbon Recycling - In Jiande City, a company specializing in the recycling of waste activated carbon faced financing challenges but received support from Jiande Rural Commercial Bank [4] - The bank provided a credit limit of 49 million yuan, with 24 million yuan allocated for technological upgrades and 19 million yuan for working capital [4] - The company implemented energy-saving technologies, achieving a carbon reduction of 37,500 tons and generating direct economic benefits of 110 million yuan [5] Group 4: Impact of Green Finance - Green finance is effectively converting "green mountains and clear waters" into "golden mountains and silver mountains," contributing to rural revitalization [6]

Core Viewpoint - The establishment of the national small and micro enterprise capital flow credit information sharing platform is a crucial infrastructure to support the financial "five major articles," enhancing credit information services and facilitating financing for small and micro enterprises [1][2][3]. Group 1: Support for Financial "Five Major Articles" - The capital flow information platform is essential for optimizing credit resource allocation and promoting financing for small and micro enterprises, aligning with the strategic needs of high-quality economic development [2]. - The platform addresses issues of information asymmetry and enhances the interconnectivity of credit information, forming a modern financial system with Chinese characteristics [2][3]. - The platform has established credit information files for over 60 million enterprises, supporting nearly 700 billion yuan in financing for small and micro enterprises [1][3]. Group 2: Characteristics of Capital Flow Information Platform - The platform provides comprehensive, reliable, and real credit information, which is crucial for financial services [3]. - It covers a wide range of enterprises, achieving near-total coverage of small and micro enterprises [3]. - The platform operates as a public service, with maintenance costs borne by the credit center, maximizing social benefits and reducing financing costs for small and micro enterprises [3][4]. Group 3: Application Mechanism and Data Utilization - The platform has been integrated into credit decision-making and risk management processes of financial institutions, enhancing its role as a foundational infrastructure [6][7]. - It encourages financial institutions to utilize the platform for credit management, improving the accessibility of financing for credit-limited small and micro enterprises [7][8]. - The platform provides detailed credit products, including monthly summaries and quarterly reports, which help in constructing a comprehensive credit assessment system [4][10]. Group 4: Initial Achievements and Future Directions - As of July 2025, the platform has supported nearly 700 billion yuan in credit for innovative and agricultural enterprises, demonstrating its effectiveness [11][12]. - The platform has facilitated the development of various credit products tailored for small and micro enterprises, enhancing the financing landscape [14][15]. - Future efforts will focus on expanding the range of participating financial institutions and enhancing the protection of information subject rights [19][20].

Core Insights - The article highlights the significant role of transformation finance in supporting traditional industries in Guangdong to achieve green and low-carbon production, particularly in the ceramics sector [1][2][3] Group 1: Transformation Finance Implementation - Guangdong has accelerated the development of transformation finance under the "dual carbon" goals, becoming a key force in promoting the green low-carbon transition of traditional industries [1] - The People's Bank of China Guangdong Branch is set to release the first transformation finance standards for the ceramics industry in September 2024, providing a framework for financial institutions to support low-carbon transition projects [2] - A total of 1.7 billion yuan in credit has been signed between eight financial institutions and eight ceramics companies, with 1.37 billion yuan already disbursed for transformation loans [3] Group 2: Product Innovation and Financial Tools - Transformation finance is characterized by product innovation that meets diverse financing needs of enterprises, with various specialized credit products being developed to support green transitions [4] - Guangdong banks have introduced dynamic pricing transformation finance products linked to carbon emissions, effectively incentivizing high-carbon enterprises to reduce emissions [5] - By the first quarter of 2025, Guangdong banks had launched 44 specialized credit products, disbursing a total of 32.44 billion yuan in transformation finance loans [5] Group 3: Collaborative Mechanisms and Policy Support - Guangdong has established a collaborative mechanism that combines professional agency credit enhancement with policy leverage to effectively implement transformation finance [6] - The region is exploring fiscal and financial policy synergies to guide resources towards green low-carbon transitions, including subsidies and risk compensation for enterprises [7] - The breakthrough in transformation finance standards provides a feasible path for the green transition of "brown industries," demonstrating the integration of financial innovation with industrial transformation [7]

Group 1 - The core viewpoint emphasizes the importance of low-carbon transformation in traditional industries, highlighting the collaboration between financial institutions and agricultural enterprises to enhance productivity and reduce carbon emissions [1][2] - Jiangxi Bank provided a total credit of 180 million yuan to Ningcheng Agricultural Development Co., Ltd. to support the low-carbon transformation of its tea garden, which is expected to double the yield per mu while significantly reducing fertilizer and water usage [1] - The bank also issued a 10 million yuan loan for the digital transformation of Changwang Technology Co., Ltd., aiding in the establishment of an intelligent factory to address challenges such as resource constraints and inefficiency [2] Group 2 - Jiangxi Bank has established Jiangxi Province's first "carbon neutral outlet" in Fuzhou, focusing on green operations, paperless offices, and digital transformation [2] - The bank is developing specialized financial products like "Pingshan Carbon Account Performance Linked Loan" and "Green Transformation Loan" to support local industries in their low-carbon transition [2] - The initiatives align with the dual carbon goals, showcasing the potential of finance to facilitate green development [2]