Decoding Luzhou Green Gold Reform "Transcript": "Government and Enterprise Society" cooperation is the key to sustainable operation

China Well -off Network Exclusive Specialty

Text ｜ "Well -off" · China Well -off reporter Zhou Yu

Luzhou multi -point breakthrough, system promotion, and innovation iterative iteration, comprehensively complete the main goal of the construction of the national green financial reform and innovation pilot zone, innovate and build a green financial system covering multiple fields and distinctive local characteristics. A series of iconic results such as financial mechanism and carbon account finance.

Photo Supply/Luzhou Finance Office

Luzhou, located in the west of Zhejiang Province, is connected to Anhui in the north, Fujian in the south, and Jiangxi in the west, and the east to the hinterland of Zhejiang. The four provinces bring advantages to the material distribution of materials. At the beginning of the founding of New China, Luzhou built industrial enterprises such as Luzhou Chemical Plant, Jiangshan Cement Plant, and Longyou Paper Plant. In addition to the output of industrial products, there are also commercial pigs out of the market. In 2013, 7.6 million pigs were raised during the highest peak period.

Luzhou, located at the source of the Qiantang River of Mother River, is responsible for the important task of "Yijiang Qingshui Send Hangzhou". However, the "Big Brother" Juhua Group (formerly Luzhou Chemical Plant) once absorbed the dust and sulfide in the air through planting pills in the factory; For the same, the garbage river sounds alert.

"The huge transformation pressure forced us to reform." Wang Liangchun, former deputy mayor of Luzhou City, recalled that the transformation requires a lot of capital investment. Where does the money come from? Finance plays a vital role, "Luzhou's green gold reform is going on actual needs."

In 2014, Luzhou took the lead in launching a pilot of comprehensive financial reform of the provincial level. The goal was very clear. To find the road of green finance to guide industrial and agricultural green development. In 2017, the pilot upgrade, Luzhou was approved by the national green financial reform and innovation pilot zone, and began to become the central goal of systematic promotion of financial help industrial transformation. Successful cases continued to emerge. In 2020, after the Chinese commitment to achieve the "double carbon" goal to the world, Luzhou's green financial reform has a higher position. In the establishment of carbon accounts, it has explored a strong solution. It is the nation's first.

This year is the eighth year of Luzhou Green Financial Reform, and it is also the year of the end of the country's green financial reform and innovation pilot zone. "The early start of the green financial reform of Luzhou, the path is new, and the effect is solid." Ding Lixia, director of the financial office of Luzhou City, said that the overall plan of the green financial reform pilot zone issued by the seven ministries and commissions. Complete the main goals of the test area construction, innovate the green financial system covering multiple fields and distinctive local characteristics, and achieved a series of iconic results such as the green financial mechanism such as Anhuan insurance, the whole life cycle of pigs, and carbon account finance.

"We used to go lonely because there is no precedent to follow." Xu Shaohua, a member of the Party Committee and Vice President of the People's Bank of China, said that looking back at the practice of these 8 years, there are many experiences to share in Luzhou.

Agricultural transformation: control a pig with "insurance"

At the first Green Financial Reform and Innovation Competition in Zhejiang Province last year, Longyou Rural Commercial Bank and China People's Property Insurance Co., Ltd. Luzhou Branch reported the "Bank Insurance Union, Innovation and Practice Green Financial Mechanism" in the "Green Financial Mechanism" Class innovation first.

In Longyou, a pig is born to insurance; the waste produced during the growth process must also be used in a cycle; if the disease is died, as long as one phone is called, the insurer and non -risk -free staff will come to the door to investigate and pay for the claims, collect and deal with it Essence

"Longyou is a national pig -free county and the province's animal husbandry county." Ji Ying, director of Longyou County Financial Service Center, recalled that in 2013, a large number of floating dead pigs in the waters of the Songjiang section of Huangpu River in Shanghai, causing strong response in the country. Suddenly, the diseased pig became the target of the national media. Dragon You also began to think about how traditional agriculture transformed at that time. "We found the breakthrough of policy agricultural insurance and allowed the government, farmers, enterprises, financial insurance and other social forces to link multiple parties and other parties. , Formed the joint force of industrial green transformation. "

The largest innovation is to amend the pig insurance regulations so that breeding households are willing to actively insure. All sowing pigs and pigs are insured. As long as the diseased pigs are harmless, they can be compensated. The government and breeding households agreed that each sow is 90 yuan per year, of which the farmers personally bear 9 yuan (10%) and the government bear 81 yuan; each pig's annual premium is 54 yuan, of which 8.1 yuan (15%) of the farmers' personal undertakings The government bear 45.9 yuan; the insurance pig can pay 60 to 1200 yuan/head, and the claim amount has exceeded the price of the black market acquisition of sick pigs.

The second largest innovation is to guide social capital to participate in harmless treatment. Zhejiang Jimei Biotechnology Co., Ltd. is established. With the latest domestic high -temperature carbonization treatment technology, it specializes in the harmless treatment of dead animals in the county. The bank provides green credit guarantee for the construction and operation of the harmless processing company. For example, the Bank of China Longyou Branch provided a one -year 4.4 million liquidity loan in the early days of the establishment of Longyou Jimei Company to ensure the demand for mobile funds for corporate operations.

The third largest innovation is digital supervision and early warning. Through the intelligent network management platform, not only can the processing process of voice reporting, order inquiry, death claims, and harmless regulatory treatment process, but also an abnormal warning of pig breeding. If the scale of the scale of a farm is greater than 15%, the insurance company, Jimei company, and animal husbandry bureau can see this early warning information, and timely send someone to find the reason for the high mortality rate.

It is very practical to see the effect of Longyou who finds the effect. Therefore, on the problem of cracking the "dung dirt discharge", the new model has also been opened. The government has subsidies. The enterprise is responsible for processing the pig dung of hundreds of pig farms in the county into organic fertilizer and power generation. The model is pledged, which improves the credit line.

"The linkage mechanism has now expanded again." The head of the Agricultural Insurance Department of the PICC Property & Casualty Insurance Co., Ltd. said that it is now promoting the model of farmers+insurance+futures to prevent the risk of price fluctuations in pigs. Once the price of pigs is lower than the target price, insurance can start the compensation. The futures price of the futures price of the pig sold by the insured person will be paid by the insurance company and provides a new type of operating entity of the pig farming industry. Basically promote the healthy development of the industry.

Green Gold Reform allows Longyou to be confident in attracting agricultural leading enterprises. "We come this time, just want to connect your needs to see what financial support can be provided." In the Longyou Branch of the listed company Daiban, the staff of the Longyou County Financial Office opened the door and said. "We have invested 230 million to establish a large -scale pig farm. Among them, 20%of the funds are used to do environmental protection, and it really needs financial support." The person in charge of the company said that the docking this time is necessary to allow companies to create green ranch With "Xinxin Pills".

Industrial transformation: the "three levels" behind the carbon account

Agriculture is not the biggest problem facing Luzhou to achieve dual -control and carbon row dual control. More than 90%of the local carbon emissions come from industry, and the transformation pressure of the industry is much greater. Methods are also looking for incisions -to create a carbon account.

In one year, Luzhou has established carbon accounts covering six major areas of industrial, agricultural (forestry), energy, construction, transportation, and residents' lives. Especially for industrial enterprises, the 4 -color labels of "red, yellow, light green, and dark green" are used to distinguish the carbon emissions level, issue carbon credit reports, and match different policies.

Seemingly logic is very simple, but how to judge the degree of low carbon, there are three major difficulties in practice: first, accuracy of data; second, data accounting; third, data evaluation.

"The method of collecting data is to report data by the enterprise, and the accuracy is very low." Xu Shaohua said specifically that in order to accurately collect, Luzhou's production line installation device in the enterprise has been monitored online. Once, shorten to 15 minutes. Next, scientific accounting and evaluation based on international and domestic standards, this is also the most difficult place.

With the support of the "Two Mountain Bank", with the support of the "Two Mountain Bank", the agricultural leading enterprise Grapem Valley has a high -end production line, and its production capacity has increased by 6 times. Photo Supply/Luzhou Finance Office

How to determine whether this company is high -carbon or low -carbon? Lack of uniform measurement standards. Luzhou is divided into four pieces to build an evaluation system. One is to refer to national standards, the other is to refer to industry standards, the third is to target advanced regions such as Shanghai and Guangzhou, and the fourth is to refer to the data evaluated by third parties for the industry's head enterprises. Eventually, the nation's first local industrial enterprise carbon account system local standard "Guide to the Evaluation and Evaluation and Evaluation of Industrial Enterprises Carbon Account Emissions" was released.

"Carbon accounting is the cornerstone of green transformation. This is very important and very urgent, but there are very few people who are concerned now." At the round table of 2021 Chinese Entrepreneurs Boao Forum, Xiamen University's "Carbon Neutrality" research team chief Expert Sun Chuanwang commented that on the basis of carbon accounting, you can establish a carbon account, and then form a green responsible account to determine the responsibility for emission reduction of each subject. ","

After the collection, accounting, and evaluation of the "break", the company's "carbon emission E -based ledger" was formed. Then, through financial languages, it was transformed into a "Carbon Credit E Report" to provide a reference for financial institutions to carry out investment and financing business. For example, social subjects with good carbon credit recruitment can enjoy the maximum increase of 1.5 times the loan amount and the interest rate discount of up to 100 base points.

On the basis of the report, the "Carbon Policy E release" has been extended, and the carbon policy is updated in real time from three levels of government policy, financial management policies, and financial institution policies. "Carbon Financial E Supermarket" is available for financial products such as "low -carbon loans" and "carbon reduction loans" available for enterprises. In the end, the "Carbon Evaluation E evaluation" was formed. The government can comprehensively evaluate whether enterprises are low -carbon efficient, high -carbon high -efficiency or low -carbon inefficient, high -carbon inefficient, thereby taking corresponding measures and incentives.

The reason why there is a "E" is because these have become the specific scene of the digital reform of carbon accounts. This set of "5E" carbon account finance has also been included in the first batch of digital government systems in Zhejiang Province's "one place for innovation and sharing in the province" and was selected as the "best application".

Relying on the carbon account, many local companies in Luzhou have gained real benefits: lower interest rates and faster approval. Jiangshan Shuangxioxidity Co., Ltd. is a company that has drank the "head of water" for industrial enterprises' carbon account application loans. The carbon dioxide produced during the production of hydrogen peroxide has become a "blockbuster" that is carbon reduction and re -use of carbon reduction and carbon capture, but the transformation is facing the funding gap.

"Customers' needs, in fact, coincide with the industrial 'carbon reduction loan' we launched." Wang Xiaoyun, general manager of the business department of the company of the Agricultural Bank of China, participated in the loan throughout the process. He recalled that he first guided the enterprise Financial supermarkets initiate online applications. Through the carbon credit reporting report, it is confirmed as "dark green" labeling level enterprises, and then verified the energy consumption data such as corporate coal, steam, electricity, etc., and push online review and approval. The loan of 5 million yuan has been issued, with a interest rate of 4.3%, which is 30 basis points lower than the original loan interest rate. "With this loan, the company updated the conversion equipment, which can reduce the annual carbon dioxide emissions of 75,000 tons. As of April 2022, the carbon account has covered 2601 industrial enterprises in Luzhou, and the carbon policy E release platform "Yulongtong" has launched 35 carbon policies; 40 carbon financial products have been launched in the carbon financial E supermarket.

Relying on the carbon account, Luzhou took the lead in touching the "carbon family" and proposed the reform of the "carbon effect hero": starting from financial policy incentives, it has gradually expanded to tax collection and management quotas. In 2021, the city carried out rectification and improvement of 241 high -carbon and inefficient enterprises, free up 6101.4 acres of land and 120,000 tons of standard coal, and promoted 223 companies to invest more than 6 billion yuan to carry out low -carbon transformation.

A number of industrial transformation and upgrading models such as "Chemical+Giant Hua", "Steel+Yuanli", "Special Paper+Fairy Crane, Wuzhou", "New Energy+Huayou" have emerged. Industry transformation into emerging industries such as new materials, new energy, integrated circuits, intelligent equipment, life health, special paper and other emerging industries. In 2021, Luzhou won a model city in high -quality development in China, compared with 2013, the energy consumption of 10,000 yuan GDP fell by 26.17%. During the "14th Five -Year Plan" period, the intensity of carbon emissions in Luzhou is expected to decrease by 19%.

Sustainable operation: "Government and Enterprise Society" cooperation is the key

Is it willing to invest in low -carbon transformation? How much does the government invest? Can it run for a long time? When the Luzhou Green Gold Reform model was communicated in Xiamen, the staff of the Industrial Bank asked the "pain".

"If it is not a sustainable business model, it is useless to invest in the government." Xu Shaohua said that the cooperation between government and enterprise society is the key.

In 2019, Mingwang Dairy Co., Ltd., a well -known food company Wangwang Group, signed a comprehensive energy service project agreement with the State Grid Zhejiang Comprehensive Energy Service Co., Ltd., Zhejiang, Zhejiang. Without a penny, Want Want can have a "integrated energy service butler" with a total investment of 42 million yuan in power operation and maintenance, distributed photovoltaic power generation, and enterprise energy efficiency management platform. , Reliable and low -cost electricity, and can conduct real -time monitoring and trend analysis of the company's electricity, coal, water and green energy usage, and find carbon reduction space.

The purpose of reform is to promote energy saving carbon reduction, and the crux is that high investment has discouraged many companies. How to do? Wangwang is a typical case of a very typical government+enterprise+energy -saving company.

"Wangwang provided us with a good sample." The relevant person in charge of the Luzhou Branch of Zhejiang Comprehensive Energy Service Co., Ltd. of the State Grid said that they signed a 23 -year long -term agreement with Wangwang, which can achieve energy conservation and emission reduction 4,400 tons each year. Bid coal, also cost more than 4 million yuan for enterprises to reduce comprehensive energy use. After playing this "sample", more and more companies come to Wangwang's "scripture" smart energy management solution.

Looking at the countryside, the "government -enterprise society" linkage under the reform of green financial reform is not only reflected in the pig breeding mentioned earlier, but in promoting the efficient transformation of ecological products, finance has made more "resources" into "assets" "assets", " "Fund" "Capital". The reporter learned many practical cases in Changshan.

As soon as I walked into Changshan, I saw the city brand "everything for U" along the street. Hu Pan is a representative of this "U". The county has a planting area of ​​105,000 acres. More than 100,000 people participate in the planting, production and sales of Hu Pomius. They are a typical rich people. How to make Huyou's added value higher? Drive the people to benefit more? Changshan Huyou is taking the development route from "fresh fruit sales" to "deep processing". Grapefrace Valley is a leading agricultural enterprise in Shanghai's investment in Hu Kou -processed.

On the side of the Pomelo Fragrant Valley Production Workshop, the workers are carrying a box of boxes of double pomelo juice. These double grapefruit juice will be sent to the commercial overtime shelves and the public dining tables in the surrounding areas of Shanghai and Hangzhou. %.

"This is due to the support of the" Two Mountain Bank "." The person in charge of the enterprise said that the growth cycle of the grapefree tree has a long growth cycle, and there is almost no benefit of the past 5 years before planting. In the process of expanding production capacity, it is facing financing problems. "Two Mountain Bank" implemented a financial lease model in accordance with the concept of asset securitization. It acquired 3,300 acres of forest bases with 25 million funds and returned to the enterprise to operate, allowing them to light up and let go. With the funds, the Grapefrace Valley has taken the high -end production line, and the production capacity increases by 6 times. Since the beginning of this year, Shuanggou juice has entered the peak sales season. At its peak, it sells nearly 300,000 boxes of monthly sales. In just the first quarter, the sales were 44.7 million yuan, which exceeded the total year of last year.

"Rural resources are inefficient, supported by farmers, weak income increase, and difficulty in developing investment development. 'Two Mountain Banks' is to find a balanced point for the coordinated development of economic and social benefits." Pan Xiaohui, secretary of the Changshan County Party Committee, said.

People participation: It is not difficult to find that the personal carbon account is good to operate. It is not difficult to find that the application of green financial reform in Luzhou has gradually expanded from the initial promotion of agriculture and industrial transformation to the efficient transformation of rural resources. Promoting the people's lifestyle green and low carbon transformation is also at the forefront of the country.

Today, 2.39 million people in Luzhou have personal carbon accounts. They are paid in bank payment, garbage classification, water consumption, use of new energy vehicles, bus travel, etc. in green payment, green travel, and green life. Converted into personal carbon account points, points can be used to redeem green daily necessities, deduct bank handling fees, etc.

Aunt Zheng, a resident of Kecheng District, Luzhou City, has a carbon points of nearly 10,000. "You can see the points when you open the Cloud Flash Payment or the personal carbon account of Zheli APP, and then you can go directly to the‘ Communist Mall ’to exchange. The operation is quite convenient.” Aunt Zheng exchanged a box of drinks with 2500 points.

The concept of "personal carbon account" appeared as environmental protection public welfare activities very early. The sponsors are usually public welfare organizations and large enterprises. The most familiar one is the carbon reduction and planting trees of "ant forest".

As early as 2018, Luzhou City fully borrowed the experience advantage of the construction of the national green financial reform and innovation pilot zone and the construction of the "Mobile Payment of Popularity Civil Demonstration Project" in Zhejiang Province. The combination of carbon "concept, innovatively launched the country's first unified collection of personal carbon accounts for personal customer behavior data in various banks in its jurisdiction, and promoted iterative upgrade to personal carbon accounts after 5 years. Personal carbon account is an account with personal identity card information as the sole logo, and builds a personal carbon account in Luzhou, which corresponds to identity information.

How can ordinary people participate? As the pilot of the personal carbon account, Kecheng District found a starting point -garbage classification. Relying on the digital recycling pricing platform of Tiger Ge Company, the garbage recycling company, the personal carbon account is related to it, and through the company's "Tiger Mom" ​​and the grid staff's publicity and recommendation, let the citizens participate and activate personal carbon accounts.

Aunt Zheng is the loyal user of Brother Hu. "On WeChat, Brother Tiger will recover, give me environmental protection funds at the weight, you can exchange the goods or withdrawn. The application scenarios of garbage classification in urban areas have been matched with 31,500 active users, with a cumulative recycling of 18,000 tons of domestic waste and a total carbon emission reduction of 20.025 million tons, and a total of 227 million carbon points were issued.

Points use are always an effective carbon to activate personal carbon accounts. Luzhou has planned a series of incentive measures around the three major grasps of "life", "bank" and "government affairs". For example, the points are exchanged for public bicycle cycling coupons and bus vouchers to buy green low carbon fruits. The first batch of carbon points for agricultural products was very popular with the people. Agricultural and sideline products worth 200,000 yuan were rushed out of the shelves, and 20 million points were redeemed for returning carbon points. Carbon points have differentiated preferential policies for individual customers in terms of bank products, services and prices. As of the end of May 2022, personal carbon accounts issued 9661 loans and the amount was 2.329 billion yuan.

"Green Water and Qingshan are the most inclusive people's livelihood." Chang Jiwen, deputy director of the Resources and Environmental Policy Research Institute of the Development Research Center of the State Council, commented that these people can participate in the development of urban green and low -carbon development. It will improve the comfort and efficiency of people's lives. The far -reaching significance of personal carbon accounts is not only specific carbon reduction, but also to make ecological civilization deeply rooted in the hearts of the people and become a carrier for the consensus of the people.

("Well -off" · China Well -off Exclusive Draft)

This article was published in "Well -off" in early August 2022

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