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At present, the construction of ecological civilization in mainland China has entered a critical period with carbon reduction as the key strategic direction, and "carbon finance" has received more and more attention and attention as a market-oriented means to promote the reduction of carbon emissions. However, in order to make the financial living water accurately irrigate the green and low-carbon field, Weifang City takes the promotion of the national collaborative innovation pilot of pollution reduction and carbon reduction as the starting point, deepens reform, innovates and explores, accelerates the development of green transformation, helps carbon peak and carbon neutrality, and promotes low-carbon, green and high-quality economic and social development.
Cao Wangjiao, business manager of Changyi Marine Water Industry Co., Ltd.: After the completion of our project transformation, it has been increased from the original 30,000 tons/day to 60,000 tons/day, and the water output index has been raised from the first-class A standard to the current four-class surface water standard.
Gong Zhaoqiang, the "green finance commissioner" of the Changyi branch of Weifang Rural Commercial Bank, has been following up on the construction of the company's upgrading and transformation project. Due to the large investment and long cycle, enterprises are facing greater financial pressure. Changyi Rural Commercial Bank quickly tailored a portfolio financing model of "sewage discharge right + sewage treatment charging right" for enterprises, and handled a credit of 29 million yuan.
Cao Wangjiao, business manager of Changyi Marine Water Industry Co., Ltd.: This loan is in place in a very timely manner and with very high efficiency, and now the bank's personnel have come to our company more times than we have run the bank.
The reason why the loan needs of enterprises are precisely targeted is due to Weifang's innovative measures in the construction of a green, low-carbon and high-quality development pilot zone. Weifang has strengthened government-bank cooperation in green finance, and Weifang Rural Credit Cooperatives Union is the first financial institution to cooperate with government departments to create an "environmental protection + finance" mechanism. Relying on relevant data and information, the "carbon finance ecological map" with "carbon finance" as the guide and the multi-level layout of green ecology is drawn.
Wang Xuewei, Secretary of the Party Committee and Chairman of Weifang Rural Credit Cooperatives Association: Focusing on the industrial planning and layout of Weifang City, draw a timetable and roadmap, strengthen "government-bank cooperation" with Weifang Ecological Environment Bureau, Weifang Branch of the People's Bank of China and other competent departments, regularly push relevant projects and enterprises to branches, give priority to mortgage-free guarantees, quickly approve and quickly loan, and also enjoy preferential policies such as fee reduction and interest concession and seamless loan renewal, so that financial resources are inclined to the field of carbon peaking and carbon neutrality. At present, there are more than 160 projects in the ecological and environmental protection financial project library, and 45,000 enterprises have entered the database.
The Decision of the Central Committee of the Communist Party of China on Further Comprehensively Deepening Reform and Promoting Chinese-style Modernization, officially adopted at the Third Plenary Session of the 20th Central Committee of the Communist Party of China, once again proposes to improve the green and low-carbon development mechanism. Weifang continues to increase financial support for energy conservation, carbon reduction, ecological and environmental protection. In terms of advanced manufacturing, the concept of "carbon finance" is embedded in the whole credit process, and "carbon performance" determines "preferential policies".
In July this year, in a heat treatment equipment R&D enterprise in Weifang, the newly developed intermediate frequency induction alloy furnace entered the industrialization stage. While the company is growing rapidly, it is also feeling the financial pressure. What the person in charge of the company did not expect was that before he went to the bank, the bank's "green finance specialist" was found.
Liu Zhaohuan, deputy general manager of Shandong Rongtai Induction Technology Co., Ltd.: After the start of our new workshop project, we have not docked with the rural commercial bank, and we have not applied for any materials, so the rural commercial bank took the initiative to dock with us.
According to Liu Zhaohuan, the company's products are to replace traditional energy-based equipment, which can greatly reduce the carbon emissions of traditional industries. Yan Jingqiang of the Fangzi Branch of Weifang Rural Commercial Bank, as the "green finance commissioner" of this green factory, reviewed the qualifications and operation of the enterprise early on, and completed the enterprise credit. Within a week, 10 million green loans were processed for enterprises, and the actual financing cost after the discount was only 1.9%.
Li Dongliang, Member of the Party Committee and Vice President of People's Bank of China Weifang Branch: The Weifang Branch of the People's Bank of China deeply practices General Secretary Xi Jinping's thought on ecological civilization, conscientiously implements the decisions and arrangements of the Central Financial Work Conference, and seizes the favorable opportunity of Shandong Province to build a green, low-carbon and high-quality development pilot zone.
In order to support the development of green industries, various financial institutions in Weifang have successively launched a series of financial products such as "carbon right loan", "water-saving loan", "forestry carbon sink loan" and "marine carbon sink loan" to improve financial services and polish the green finance brand. By the end of June, the balance of green loans in Weifang was 197.36 billion yuan, a year-on-year increase of 29.1%, 20.5 percentage points higher than the city's loan growth rate, accounting for 16.6% of the city's total loans, ranking second in Shandong Province, and the green credit balance achieved the goal of doubling in three years.