Green Financial "Loan" Dynamic Low Carbon Development

Green development is inseparable from Green Finance. Since the beginning of this year, the Municipal Local Financial Supervision and Administration Bureau has continuously improved the policy tool framework, expanding the application scenarios of green credit assets, and encouraging financial institutions to invest more financial resources into green industries and green projects.

Recently, the oyster carbon exchange index insurance contract signed by the China Life and Payness Insurance Corporation and Weishan City Sea Water Aquaculture Enterprises officially took effect, marking the first batch of fishery carbon exchange index insurance in the country landed in Weihai.

Ocean carbon exchange, also known as "blue carbon", is a process and mechanism that uses the ocean as a specific carbon to absorb the carbon dioxide in the atmosphere and solidify it. The insurance was insured for 800 acres of oysters. When oysters weaken the carbon exchange caused by changes in specific marine environments, the policy can provide 1.6 million yuan in risk protection.

Zhang Xihai, president of the Wendeng District Oyster breeding Association: "When the waves are strong, when the waves are blowing, it is easy to blow away the valve rack as a whole. The small typhoon in July and August of each year will have a certain impact on our oyster breeding."

In response to this issue, China Life and Payment and Casualty Insurance Weihai City, two -level companies, based on oyster breeding waves and chlorophyll indexes and other marine big data, refer to factors such as oyster carbon exchange capacity and carbon exchange market transaction price, etc. Carbon exchange index insurance solution.

Liu Wei, general manager of Weihai Middle Branch of China Life Property Insurance Co., Ltd.: "The insurance is based on oysters as the insurance, with the remaining value of oyster carbon exchange, including the value of solid carbon economic value and repair costs. Losses caused by the wave disaster and red tide disaster stipulated in the contract, which are deemed to have the occurrence of oyster carbon signs. Losses can be used for production and operation activities such as oyster carbon exchange resource assistance and recovery of oyster breeding industry to ensure that oysters are solid -carbon. Ecological benefits and economic value. "

Green Financial's empowerment industry upgrade, while helping enterprises to solve the risk of industry development, the municipal financial regulatory authorities also encourage financial institutions to innovate green financial products and broaden their corporate financing channels.

Shandong Green Garden Environmental Technology Group is the leading enterprise of Weihai's ecological environment. In recent years, with the popularization of ecological civilization concepts, more and more green gardens and municipal engineering projects undertaken by enterprises have also expanded.

Gong Xufeng, Director of Shandong Lvyuan Environmental Technology Group Co., Ltd.: "The characteristics of the municipal garden industry are that the settlement cycle is relatively long, which leads to the greater pressure of funds. It is urgent to raise funds from the outside. , Also urgently need funds support. "

In response to the characteristics of the enterprise, Weihai Commercial Bank has repeatedly penetrated enterprise visits and investigations, matches credit business varieties. Based on the original cooperation with the enterprise, a supply chain loan is also innovative to solve financing for the upstream and downstream small and micro enterprises of Green Garden Group. problem. Not long ago, Lvyuan Group's upstream small and micro enterprises received a financing loan of 1 million yuan. The injection of this funds allowed the newly undertaken the ecological restoration project of the half -moon bay coastline of the enterprise to successfully complete and enter the maintenance stage.

Lu Jiliang, deputy governor of Weihai Commercial Bank: "Focus on the demand for green industrial credit, innovate the launch of special products such as the" Light Loan '' 'Quick E Loan' '' '' Convenient and low -cost solutions. Successfully issued 2 billion yuan of green financial bonds to provide financial support to ecological agriculture, animal husbandry and fishery, natural ecological protection, forestry development and environmental restoration projects in Shandong Province. As of the end of May 2022, Weihai City, Weihai City The balance of green loans of commercial banks was 14.677 billion yuan, an increase of nearly 2 billion yuan from the beginning of the year, effectively supporting the development of green and low -carbon economy. "

The development of green finance, which fits the concept of the construction of exquisite cities, non -waste cities, and beautiful cities in our city. It is also an important measure to promote "development of green" and achieve carbon peak carbon neutrality.In recent years, the Municipal Local Financial Supervisory Bureau has used the national green financial reform and innovation experimental zone as the starting point to vigorously develop green finance. The average annual increase of green credit has increased by more than 40%.Innovative products such as Seaweed Carbon Exchange Index Insurance landed in Weihai.Zhang Zonghao, director of the Municipal Local Finance and Administration Bureau: "We will continue to deeply cultivate green finance, actively explore and innovate around the fields of organizational systems, financing models, incentive mechanisms, and standard systems, support local legal person financial institutionsNew financing services for environmental rights such as rights, carbon exchange income, and pollution rights, and promoting the value of green resources through financial can help the city's economic and social comprehensive green and low -carbon transformation. "

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