2022年12月，广东省委推动实施"百县千镇万村高质量发展工程"（以下简称"百千万工程"），推动城乡 区域协调发展。三年来，全省乡村面貌正发生深刻改变，城乡融合、产业兴旺、美丽乡村等方面取得新 突破，县域经济综合实力和发展能级进一步提档升级。 作为唯一一家总部位于广州、机构和业务覆盖粤港澳大湾区"9+2"城市的全国性股份制商业银行，广发 银行围绕"三农"发展、县镇产业升级、城乡基础设施、居民消费、防返贫帮扶及服务渠道建设等六大方 向持续发力，全力推动将县镇村发展的短板转化为广东高质量发展的潜力板。 加大投入夯实发展根基 广发银行加大信贷额度支持倾斜，落实差异化FTP定价或优惠补贴政策，确保金融活水精准滴灌。自 2023年起，累计向"百千万工程"领域投放信贷资金超3500亿元，为广东城乡区域协调发展注入新动能。 在优化贷款投向方面，广发银行积极发挥综合金融优势，聚焦交通、水利、电网、物流与信息化等城乡 基础设施建设，推动一批强基础、利长远的重点项目落地。在惠州，广发银行向稔平环岛高速公路有限 公司批复30亿元授信，助力区域交通网络优化升级；为惠东水务有限公司提供8000万元贷款，支持供水 基础设施建设，提升城乡 ...

广发银行加大信贷额度支持倾斜，落实差异化FTP定价或优惠补贴政策，确保金融活水精准滴灌。 自2023年起，累计向"百千万工程"领域投放信贷资金超3500亿元，为广东城乡区域协调发展注入新动 能。 在优化贷款投向方面，广发银行积极发挥综合金融优势，聚焦交通、水利、电网、物流与信息化等 城乡基础设施建设，推动一批强基础、利长远的重点项目落地。在惠州，该行向稔平环岛高速公路有限 公司批复30亿元授信，助力区域交通网络优化升级；为惠东水务有限公司提供8000万元贷款，支持供水 基础设施建设，提升城乡公共服务均等化水平。在湛江，该行作为广东省专项债主承销商之一，积极发 挥广东省乡村振兴专项债指定服务银行优势，协助申报"海洋牧场"项目22个，占湛江市上报项目总数的 三分之二；同时，为湛江国联水产集团发放贷款1.38亿元，支持其拓展海洋经济产业链，推动县域经济 向"蓝色经济"转型升级。 在拓宽融资渠道方面，广发银行深化与广东省农业农村厅的政银合作，通过"政银保""政银担"等创 新模式，持续推动广东乡村振兴融资风险补偿金业务落地，累计投放普惠型涉农贷款超13亿元。加强与 担保公司合作，对接粤财担保集团，自去年6月开展相关合作 ...

Core Insights - The article emphasizes the significant role of finance in supporting China's green development and the transition from merely supporting green projects to transforming high-carbon industries into low-carbon ones, aligning with the "dual carbon" goals [1][2][6] Group 1: Financial Support for Transition - The recent "Guiding Opinions on Financial Support for New Industrialization" outlines a framework for banks to support high-carbon industries in adopting green technologies and capacity replacement policies [1][2] - Financial services are expanding from supporting renewable energy projects to facilitating the green upgrade of high-carbon sectors such as steel, cement, and chemicals [2][4] - The transition finance model is complex, requiring rigorous technical assessments and innovative mechanisms to ensure funds are directed towards effective emission reduction projects [3][5] Group 2: Case Studies and Innovations - Guangfa Bank has developed a tailored green finance service for a leading glass manufacturer, addressing its high energy consumption and carbon emissions through innovative financing solutions [3] - The bank's approach includes a "transformation recognition + bill financing + dynamic interest rate" mechanism, linking emission reduction targets to financing costs, thus incentivizing companies to actively pursue green transitions [3][5] - Similarly, Bank of Communications has initiated a methanol dual-fuel ship financing project, marking a significant step in supporting the maritime industry's green transformation [4][5] Group 3: Challenges and Considerations - Transition finance faces challenges such as the economic return on investments in traditional industries, which may not be sufficient to encourage deep green transformations [7][8] - The complexity of identifying and managing the transition paths for high-carbon industries poses additional risks for financial institutions [5][7] - There is a need for financial institutions to establish clear standards and mechanisms to mitigate risks associated with high-carbon asset transitions and ensure effective use of funds [6][9]