日前，在深圳市水务局指导下，建行深圳市分行联合深圳市节水科技协会共同举办深圳市首批"节水 贷"融资签约活动。4家企业获"节水贷"融资授信近3000万元，资金将广泛应用于合同节水管理、节水型 单位建设、管道探漏及二次供水设施更新改造等领域。 ...

21世纪经济报道记者雷椰 实习生刘宇博 北京报道 在中国经济迈向高质量发展的关键时期，普惠金融已从一项政策倡议，演变为推动经济社会均衡发展的 核心驱动力。中国普惠金融体系建设已走过近十年历程，取得了历史性成就。日前，金融监督管理总 局、中国人民银行联合发布《银行业保险业普惠金融高质量发展实施方案》，明确了"未来五年，基本 建成高质量综合普惠金融体系，普惠金融促进共同富裕迈上新台阶"的发展目标。 普惠金融不仅承载着服务实体经济、实现共同富裕的宏大愿景，更在破解小微企业、涉农主体"融资 难、融资贵"等结构性难题中，发挥着愈发不可或缺的作用。顺应时代背景，近日，《智普惠 新金融 ——中国普惠金融典型案例集锦（2024）》正式出版，该书由 21 世纪金融研究院编著，中国金融出版 社出版，系统梳理了2024年度我国普惠金融领域的实践探索与创新成果，收录了八十余个来自银行、担 保公司、小额贷款公司、财务公司等机构的典型案例，涵盖助力乡村振兴、支持小微企业发展、服务新 市民、产品与服务创新、金融消费权益保护五大领域，全面展示了普惠金融服务实体经济的多元路径与 创新模式，体现了普惠金融多层次、广覆盖、可持续的发展态势。 随着 ...

Core Viewpoint - The banking industry is actively supporting the green transformation of high-carbon industries under the "dual carbon" goals, with innovative financial products being introduced to facilitate this transition [1][2]. Group 1: Financial Products and Innovations - Weihe Bank has launched a "sustainable water-saving loan" with a credit line of 270 million yuan to support energy-saving renovations for a thermal power company [2]. - Industrial Bank has issued a 200 million yuan loan to an aluminum company for its green transformation, linking loan interest rates to the company's energy consumption performance [2]. - As of the end of 2024, Industrial Bank's green financing scale for transformation sectors is expected to reach 192.7 billion yuan [2]. Group 2: Market Trends and Challenges - Transition finance is seen as a crucial supplement to green finance, focusing on supporting high-carbon industries in their orderly transition towards climate goals [3]. - Current transition financial products are primarily in the form of transition bonds and loans, with bonds dominating the market, while loan products have yet to achieve significant scale [3]. - There is a significant funding gap for low-carbon transitions in traditional high-carbon industries, indicating that transition finance could become a new growth point for financial institutions [5]. Group 3: Standardization and Policy Support - The development of transition finance is hindered by an incomplete standard system, with a need for quantifiable indicators and thresholds [5]. - The People's Bank of China is actively working on establishing transition finance standards for key industries, with pilot regions already seeing a cumulative loan amount of approximately 42.5 billion yuan [6].

转自：新华财经 在国家"3060目标"（中国2030年前碳达峰及2060年前碳中和的目标）背景下，2021年内蒙古自治区政府 和兴业银行总行签订《深化绿色金融合作共同守护祖国北疆亮丽风景线战略合作协议》，兴业银行呼和 浩特分行作为落地主体，始终扎根北疆，逐绿向新，主动融入自治区绿色低碳发展，让金融"活水"在绿 水青山间奔涌不息，签约以来，已累计投放绿色融资512亿元，履约率102.4%；服务绿色企业客户数同 样提前、超额完成协议约定。 深化总分联动，提供"融资＋融智"综合服务 2025年3月，呼和浩特市入选第二批国家碳达峰试点名单，至此内蒙古自治区碳达峰试点城市达到4家。 如何以高质量金融服务碳达峰试点城市建设，该行通过充分发挥总行绿色金融专业优势，突破传统金融 服务边界，积极为自治区各级政府机构、企事业单位提供"融资＋融智""金融 + 非金融"综合服务，多措 并举交出了一份亮眼的答卷。 在促进绿色产业交流方面，2023年该行联合兴业研究公司举办"金融助力五大任务"行业研讨会，邀请总 行兴业研究公司向区内主要厅局和重点企业进行专题演讲，分享碳金融、新能源等绿色领域的研究成 果。同年，该行聚焦包头市"全国林草碳 ...

《方案》按照六大类16种典型模式开展试点，包括以水生态产品价值实现、水权交易为主的直接交易模 式；以水域经营权转让、林木资源经营权转让等为主的特许经营模式；以取水贷、节水贷等为主的绿色 金融模式；以股权转让、增资扩股等为主的股权融资模式；以资产支持证券、资产支持票据等为主的资 产证券化模式；以政策性金融支持、融资租赁等为主的其他融资模式。 经省政府同意，省水利厅于近日印发《湖北省推进水资源水工程资产化改革试点方案》（以下简称《方 案》），通过系列创新举措，盘活"水家底"、筑牢中部崛起水支撑，推动"水优势"向"经济优势""生态 优势"深度转化。 湖北水资源丰富，水利工程体系完善。《方案》以"资源资产化、资产证券化、资金杠杆化" 为主线， 分三大部分系统布局改革任务：全面摸清"三资"底数，按照"全领域、全口径、全覆盖"的要求，全面清 查水利资源、资产、资金，重点梳理可盘活资源，核实数据真实性；在明晰权属关系并科学评估市场价 值的基础上，遵循"能用则用、不用则售、不售则租、能融则融"原则，创新资源资产转化路径，推进资 源资产化，推广资产证券化，推动资金杠杆化；建立动态智能的"三资"管理体系，形成"成熟一批、转 化一 ...

Core Viewpoint - The article emphasizes the commitment of Jiangsu Bank to sustainable development and green finance, highlighting its role as a leader in promoting green financial practices in alignment with national strategies for a harmonious relationship between humans and nature [1][10]. Group 1: Strategic Development - Jiangsu Bank has integrated green finance into its core business strategy since 2013, collaborating with the International Finance Corporation (IFC) to launch energy efficiency loan projects [2]. - The bank established a dedicated green finance department in 2015 and adopted the Equator Principles in 2017, becoming the first city commercial bank in China to do so [2]. - In 2023, Jiangsu Bank set up a leadership group for green finance to implement national policies and released a three-year work plan for green finance development [3]. Group 2: Product and Service Offerings - Jiangsu Bank has developed a comprehensive green finance product system covering nine sectors, including corporate credit, investment banking, and retail banking [4]. - The bank has introduced innovative products such as "green innovation combination loans" and "contract energy management loans" to support the renewable energy sector [4]. - Jiangsu Bank has also launched transformation finance services, including "ESG performance-linked loans" and "carbon account-linked loans," to assist enterprises in their transition to low-carbon operations [5]. Group 3: Collaborative Efforts - Jiangsu Bank actively collaborates with government agencies and other financial institutions to create a green finance ecosystem, establishing partnerships with various departments to enhance green finance initiatives [7]. - The bank has taken a leading role in setting industry standards for green finance, participating in the development of multiple national and local green finance standards [7][8]. - Jiangsu Bank has engaged in international cooperation, joining the UK-China Green Finance Workgroup and adopting the United Nations' Principles for Responsible Banking (PRB) [8][9]. Group 4: Future Commitments - Jiangsu Bank aims to deepen its green finance innovations and optimize resource allocation to contribute significantly to the vision of a beautiful China, aligning with the "Two Mountains" theory [10].

Group 1 - The core viewpoint emphasizes the role of Industrial Bank's Nanning branch in promoting green finance and sustainable development in Guangxi, with a focus on carbon reduction and environmental protection [1][4] - As of April 2025, the green loan balance of Industrial Bank's Nanning branch has exceeded 25 billion yuan, highlighting its commitment to green banking [1] - The bank has initiated innovative financial products, such as the "carbon footprint + carbon emissions" linked loan, to support energy-intensive enterprises in their transition to low-carbon operations [1][2] Group 2 - In May 2025, the bank provided a 10 million yuan "green + technology" loan to Nanning Chuxin Integrated Circuit Design Co., Ltd., facilitating the production of energy-efficient OLED chips [3] - The bank has established a significant partnership with the China Quality Certification Center to offer carbon footprint accounting services to pilot enterprises, thereby reducing their carbon management and financing costs [2] - The bank supported Nanning Water Development Group with a 64 million yuan "water-saving loan" for smart water supply network upgrades, marking the largest single amount for such loans in Guangxi [4] Group 3 - Since 2023, the bank has financed nearly 3 billion yuan for "sponge city" projects in Nanning, contributing to urban water management and environmental sustainability [4] - The bank aims to continue enhancing its green finance initiatives, aligning with the dual carbon goals and fostering sustainable economic development in Guangxi [4]

江南时报讯（通讯员 欣仁）九河汇聚，水流潺潺蜿蜒。一望无边的绿色地毯上，绮丽的天光湖影尽收眼底……夏季的盐城建湖县九龙口旅游度假区， 水碧草绿，宛如画卷。这一份沁人的绿意中，有着金融活水的润泽。 5月27日，兴业银行南京分行在"环保担"模式下，为建湖县九龙口风景区发放中长期项目贷款4500万元，资金将主要用于景区品质提升、碳排放削减与可持 续发展项目。该笔业务也是兴业银行首笔"环保担"支持生态旅游的项目。 绿色发展是中国式现代化的鲜明标识。中央经济工作会议将"加紧经济社会全面发展绿色转型"作为今年要抓好的重点任务之一。2025年江苏省政府工作报告 提出"加快打造绿色低碳发展高地"。与美丽江苏一同"绿"动，兴业银行南京分行在多个绿色产业领域留下了绿色金融印迹。6月4日开展的新闻发布会上，兴 业银行南京分行战略客户部（绿色金融部）总经理夏一飞介绍，兴业银行南京分行紧紧围绕江苏省政策导向，坚持减污、降碳、扩绿一体推进，持续释放绿 色金融动能。截至2025年4月末，该行已累计为江苏2710家节能环保企业提供绿色融资6287.62亿元，绿色金融融资余额超1600亿元。 绿水生"金"：金融"活水"与生态"碧水"汇聚成川 ...

Core Viewpoint - The article emphasizes the commitment of Jiangsu Bank to green finance and sustainable development, highlighting its role as a leader in promoting a harmonious relationship between humans and nature in China [1][3]. Group 1: Strategic Development - Jiangsu Bank has integrated green finance into its strategic planning since 2013, collaborating with the International Finance Corporation (IFC) on energy efficiency projects [2]. - The bank established a dedicated green finance department in 2015 and adopted the Equator Principles in 2017, becoming the first city commercial bank in China to do so [2]. - In 2023, Jiangsu Bank set up a leadership group for green finance to implement national policies and released a three-year work plan for green finance development [3]. Group 2: Product and Service Offerings - Jiangsu Bank has developed a comprehensive green finance product system covering nine sectors, including corporate credit, investment banking, and retail [4]. - The bank has introduced innovative products such as "green innovation combination loans" and "ESG performance-linked loans" to support various green projects [5]. - Jiangsu Bank's ecological finance services focus on environmental protection and urban green development, offering products like solid waste loans and soil restoration loans [5]. Group 3: Collaboration and Ecosystem Building - Jiangsu Bank actively collaborates with government agencies and other financial institutions to create a green finance ecosystem, enhancing its professional capabilities [7]. - The bank has established partnerships with various government departments and has been involved in setting industry standards for green finance [7][8]. - Jiangsu Bank promotes knowledge sharing and collaboration among banks through initiatives like the establishment of a green finance alliance for small and medium-sized banks [8]. Group 4: International Engagement - Jiangsu Bank has engaged in international cooperation, joining the UK-China Green Finance Working Group and becoming a signatory to the UN Principles for Responsible Banking (PRB) [8][9]. - The bank has taken leadership roles in international forums, contributing to the development of new standards for sustainable finance [9][10]. - Jiangsu Bank aims to align its operations with global best practices in sustainable finance while addressing local market needs [8].

Core Viewpoint - The article highlights Beijing Bank's significant achievements in 2024, driven by macroeconomic policies aimed at supporting the real economy and enhancing consumption through various financial innovations and services [2][3]. Group 1: Financial Innovations and Product Offerings - Beijing Bank has launched specialized financial products such as "Linghang e-loan" for specialized and innovative enterprises, with cumulative loans exceeding 106.8 billion yuan by the end of 2024, marking a growth of 33.8 billion yuan since the beginning of the year [3][4]. - The bank's green finance initiatives include products like "Waste-Free Loan" and "Water-Saving Loan," with a total green loan balance reaching 210.35 billion yuan, a growth rate of 43.11% [3][4]. - The introduction of a microfinance coordination mechanism and a unified financing application platform has facilitated a 28.3% increase in inclusive finance loans, totaling 310.61 billion yuan by the end of 2024 [4][5]. Group 2: Support for Key Sectors - Beijing Bank has actively supported the manufacturing sector's transformation, with manufacturing loans growing by 36% to 237.6 billion yuan, and medium to long-term loans increasing by 67% to 122.7 billion yuan [6][7]. - The bank has also focused on cultural industry financing, achieving a loan balance of 116.64 billion yuan, reflecting a growth of 32.39% [7]. - In rural revitalization efforts, the bank's agricultural loans reached 117.34 billion yuan, with a notable increase of 250.58 billion yuan since the beginning of the year [8]. Group 3: Consumer Finance and Digital Transformation - Beijing Bank has enhanced consumer finance offerings, with the "Jing e-loan" product growing by 109% by the end of 2024, and the credit card business seeing a 16% increase in new customers [9][10]. - The bank has successfully launched the first public REITs for consumer goods in Beijing, contributing to the growth of consumption-driven financial products [9]. - Digital financial services have expanded significantly, with the bank facilitating over 100 billion yuan in digital currency transactions throughout the year [5][9]. Group 4: New Citizen Financial Services - The bank has implemented twelve initiatives to improve financial services for new citizens, providing over 26 billion yuan in entrepreneurial loans and 38 billion yuan in housing loans [10]. Group 5: Retail Business Performance - By the end of 2024, Beijing Bank's retail loan balance surpassed 700 billion yuan, maintaining a leading position among city commercial banks, with retail revenue reaching 24.94 billion yuan, a year-on-year growth of 2.26% [11].