今年是"十四五"规划收官之年，是贯彻党的二十届三中全会精神的重要一年，为落实山东金融监管局有关工作要求，更好地展示城商行秉承高质量发展理 念，坚守职能定位，聚焦金融"五篇大文章"的新亮点、新成效，山东省银行业协会组织开展了"山东银行业城商行新闻媒体一线行"宣传活动。近日，宣传活 动走进齐商银行。 齐商银行股份有限公司成立于1997年，是全国第四批城市信用社组建的股份制商业银行。作为一家市属国有金融机构，齐商银行坚守"服务城乡居民、服务 中小微企业、服务地方经济"的市场定位，聚焦金融"五篇大文章"，锐意改革、创新进取，实现了"质量、规模、速度、效益、安全"的协调发展。截至2025 年8月末，齐商银行资产总额2872亿元，各项存款余额2285亿元，各项贷款余额1600亿元。淄博地区存贷款市场份额稳居全市银行业金融机构首位，成为支 持地方经济发展的重要生力军。 88 Hol 1 BIT H H e rtttt TEL HER and and and the comments of the country of the count T t does for make a works and the first r a ...

2014年，人民银行成立绿色金融工作小组。十年来，绿色金融在中国实现了规模和质量跃迁式增长，已 成为推动经济绿色转型、促进可持续发展、提升金融治理能力的重要支柱。迈向新的十年，发展绿色金 融的焦点亦悄然变化。 9月20日，在"全球治理框架下的绿色金融创新与合作论坛"上，北京商报记者注意到，政策标准的统一 与国际协同、产业转型需求与金融供给，成为嘉宾热议的绿色金融发展核心方向。尤其值得注意的是， 以AI、区块链为代表的数字技术的赋能，为绿色转型提供了更具穿透力、包容性和可持续性的金融支 持体系。 政策体系持续完善 值得注意的是，尽管我国绿色金融发展水平与国际相比，在界定标准、激励机制、产品规模和国际合作 等领域相对领先；但在可持续披露准则落地、碳市场的流动性和金融属性、ESG资管和气候风险分析管 理等方面也有不足。尤其在转型金融方面，虽已起步，还面临标准覆盖面小、企业编制转型计划的能力 缺乏等瓶颈。 因此，完善政策体系也将成为绿色金融下一个十年的持续性发展目标。尹艳林强调，需加大力度推动绿 色金融创新与合作。建议重点支持传统产业绿色转型、低碳高技术行业发展、生态产品价值实现，推动 金融机构转型，并加强国际合作与 ...

Group 1 - The establishment of the Green Finance Working Group by the People's Bank of China in 2014 has led to significant growth in the scale and quality of green finance over the past decade, becoming a crucial pillar for economic green transformation and sustainable development [1] - The focus of green finance development is shifting towards the unification of policy standards and international collaboration, as well as the alignment of industrial transformation needs with financial supply [1][3] - The global market for green finance is expanding, with continuous product innovation and a growing need for international cooperation to address climate change [3] Group 2 - China's green finance policy system has become increasingly refined, with substantial product innovation and a market scale that ranks among the top globally, providing a Chinese solution for international cooperation [3] - The release of the "Green Finance Support Project Directory" has standardized various green financial products, covering the entire production-consumption chain for the first time [3] - Over 60 billion yuan in transition loans have been issued to support the low-carbon transition in traditional high-carbon industries [3] Group 3 - The capital market supports green low-carbon development through three main aspects: supporting eligible green low-carbon enterprises, enriching green financial products, and leveraging the futures market [4] - In 2022, the Ministry of Ecology and Environment announced 23 climate investment and financing pilot projects, which have led to over 200 supporting policies and a project reserve of more than 5,400 projects [4] Group 4 - Despite advancements, challenges remain in sustainable disclosure standards, carbon market liquidity, ESG asset management, and climate risk analysis [5] - The next decade will focus on improving the policy framework for green finance, with an emphasis on measurable policy effects and potential negative impacts [5] Group 5 - The financial support system needs to be more inclusive and sustainable to meet the urgent transformation needs of key industries like energy and infrastructure [6] - Companies require low-cost, high-efficiency, and personalized financing services, with a focus on project feasibility rather than solely relying on shareholder guarantees [6] Group 6 - The government should enhance policies supporting green development, while enterprises and financial institutions can leverage their strengths to innovate green financial products [7] - Shanghai Free Trade Zone has initiated five pilot projects to support green low-carbon international cooperation and develop green finance [7] Group 7 - China's experience in green finance positions it as a key player in global climate collaboration, with the potential to accelerate sustainable development through policy innovation and technology sharing among developing countries [8] - The new national climate plan and the 14th Five-Year Plan reflect China's commitment to reducing carbon emissions and fostering new opportunities for industrial innovation and economic resilience [8]

Core Viewpoint - The article emphasizes the urgent need for China to develop a transition finance framework to support high-carbon industries in their shift to low-carbon operations, particularly in light of the upcoming 2035 Nationally Determined Contributions (NDC) targets under the Paris Agreement [1][4]. Group 1: Transition Finance Development - China is actively working on new 2035 NDC targets, which will require specific low-carbon transition plans from various regions, institutions, and enterprises [1]. - The Green Finance Committee of the China Financial Society is collaborating with the People's Bank of China to implement the first batch of transition finance standards and support the development of a second batch [1][9]. - Transition finance is seen as a necessary evolution from existing green finance, which is insufficient to fully support high-carbon industries in their transition [1][9]. Group 2: Global Climate Financing Context - Despite the U.S. withdrawal from the Paris Agreement and other international climate agreements, the actual impact on global sustainable finance is considered limited, as the majority of sustainable investments come from private sector funding rather than government sources [4][5]. - Global sustainable investment is approximately $3 trillion annually, with China's green investments accounting for about $1.2 trillion [4]. - The contribution of developed countries to climate financing for developing nations is less than $100 billion, with the U.S. accounting for less than 10% of this amount [4]. Group 3: International Cooperation and Standards - The international community, excluding the U.S., is encouraged to take a leadership role in sustainable finance by establishing compatible standards and enhancing disclosure practices [6]. - The establishment of a common classification system for sustainable finance, initiated by China and the EU, aims to improve the comparability and compatibility of international standards [6][7]. - The International Sustainability Standards Board (ISSB) standards are being promoted as a global benchmark, with around 40 countries, including China, adopting these standards [7]. Group 4: Transition Financial Products - Current transition finance products in China are primarily debt instruments, with a need to develop equity and insurance-related transition financial tools [10]. - There is a demand for equity-based transition financial tools to support capital expansion for transitioning enterprises, and initiatives are underway to establish "transition funds" for high-quality transition companies [10]. Group 5: Technological Innovations in Green Finance - The discussion around the tokenization of green assets using blockchain technology is gaining traction, with potential applications in tracking environmental and financial data of green assets [12]. - The use of blockchain can enhance the traceability and credibility of green assets, thereby mitigating risks associated with "greenwashing" and improving asset liquidity [12].

Group 1: China's Green Finance Development - China is actively formulating new NDC targets for 2035, which will require specific low-carbon transition plans from regions, institutions, and enterprises [1] - The Green Finance Committee aims to support the implementation of transition finance standards and the development of new financial products to facilitate the low-carbon transition [1][6] - Current definitions of green finance are insufficient to support high-carbon industries in their transition to low-carbon, necessitating the establishment of a transition finance framework [1][6] Group 2: Global Climate Financing Landscape - Despite the U.S. withdrawal from the Paris Agreement and other international frameworks, the actual impact on global sustainable finance is limited, with global sustainable investments reaching approximately $3 trillion annually, of which $1.2 trillion comes from China [2][3] - Government funding constitutes only about 10% of global sustainable investment, indicating that the majority is driven by social capital [2] - The contribution of developed countries to climate financing for developing nations is less than $100 billion, accounting for less than 2% of global sustainable investment needs [2] Group 3: International Cooperation and Standards - The international community, excluding the U.S., should enhance leadership in establishing standards and mobilizing social capital for sustainable investment [4] - The Sustainable Finance International Platform (IPSF) aims to create compatible sustainable finance standards, with a focus on enhancing comparability and consistency [4][5] - The ISSB standards have been adopted by around 40 countries, including China, which has introduced its own version of the ISSB standards to promote global adoption [5] Group 4: Transition Finance Products - Transition finance currently focuses on debt instruments, with a need to develop equity and insurance-related financial tools to support transition enterprises [6][7] - There is a demand for equity-based transition financial tools, such as transition funds, to help high-quality transition enterprises expand their capital [7] Group 5: Emerging Technologies in Green Finance - The discussion around tokenization of green assets is gaining traction, with RWA (Real World Assets) being a suitable application for blockchain technology in green finance [8] - Blockchain can enhance the tracking of financial and environmental data related to green assets, thereby mitigating "greenwashing" risks and improving asset liquidity [8]

Group 1 - The rapid development of the green finance market has led to an increase in relevant information and data, with a focus on the latest trends and dynamics in the field [1] - The People's Bank of Shanghai and nine other departments issued a notification to encourage financial institutions to focus on the construction of the "Beautiful China Pilot Zone," proposing 20 specific measures to enhance green finance [2] - The notification emphasizes increasing financial support for key areas, expanding green loans, and improving the collaboration between financial and industrial sectors [2] Group 2 - In 2024, the issuance of steel-related GSS+ bonds in China is expected to exceed 22 billion yuan, with significant developments in financing tools for the steel industry [3][4] - The report indicates that banks in Hebei province issued 2.8 billion USD (approximately 205.8 billion yuan) in transformation loans for the steel industry [3] - The total balance of green loans in China is projected to reach 36.6 trillion yuan by the end of 2024, reflecting a year-on-year growth of 21.7% [4] Group 3 - The national carbon market saw a peak price of 70.96 yuan per ton, with a weekly closing price increase of 4.51% [5] - The total transaction volume of carbon emission allowances reached 3,154,915 tons, with a total transaction value of approximately 219.15 million yuan [6] Group 4 - The first recycled commodity variety, casting aluminum alloy futures and options, was officially listed on the Shanghai Futures Exchange, providing precise risk management tools for enterprises [8] - The issuance of 6 billion yuan "Green Full Hubei" themed green bonds by the Agricultural Development Bank of China aims to support environmental protection projects in Hubei [9] - The Industrial and Commercial Bank of China issued the first floating-rate green financial bond in the commercial banking sector, raising 8 billion yuan for green infrastructure and clean energy projects [10]