Innovative financial products become "carbon reduction" to "gold content"

Innovative financial products become "carbon reduction" to "gold content"

Hou Yanxiang

"I didn't expect that using carbon dioxide reduction can also loans, and they can also enjoy preferential interest rates." Wang Cangzhong Pottery Mining Co., Ltd. was responsible for getting the first "carbon reduction loan" issued by Wangcang Rural Commercial Bank of Sichuan. People sigh.

Sichuan mining Co., Ltd. is the only mining company in the field of Wangcang County, which is the only chief of stone mining, processing, and sales. In order to continue to expand production, the company conducts long stone deposits and comprehensive use of by -products. Difficulty in turnover. After understanding the situation, Wangcang Rural Commercial Bank opened a "carbon account" for the enterprise through the "Green Rongrong" platform to truly calculate carbon dioxide emissions with energy consumption data and other energy consumption data, and rated credit and approval for this. In the two working days, the company was successfully issued "carbon reduction" of 4.8 million yuan, and 10 BPs were performed in interest rates, and the enterprise fully supported the development of the enterprise.

"Carbon reduction loan" is Wangcang Rural Commercial Bank incorporated the energy conservation and emission reduction of enterprises into credit support conditions. Through platforms such as "Green Rongrong" and "Tianfu Credit" and other platforms sharing corporate carbon emission information, and combined with the low carbon in the production process of the enterprise, A special green financial product that gradually increases credit, interest rate cuts, and increases in carbon reduction, etc. It aims to fully implement the "dual carbon" policy, accurately promote energy conservation and emission reduction, and support green transformation and upgrading of various enterprises.

Different from other credit products, the "carbon reduction" implements a dynamic pricing mechanism, that is, the customer can enjoy the "carbon reduction" preferential interest rate standard for 10 BP when handling the "carbon reduction loan". The dynamic interest rate discount is implemented with a dynamic interest rate of up to 100 BPs. It can further transform the "carbon reduction" into "gold content" to promote the realization of green and low -carbon transformation of production and life. At the same time, the bank first incorporated environmental and social assessment into loan surveys, implemented the concept of green development to the management link, and promoted credit support to gradually tilt into industries such as green low -carbon environmental protection.

In the later period, the bank promoted the "carbon reduction loan" and organically combined with the help of enterprises to help the enterprise. Focusing on green manufacturing, clean energy, carbon emission reduction technology and other industries, continuously improved the "settlement" of carbon accounts, wages, and credit financing. The financial service system, the single -line credit plan is 200 million yuan, fully supporting the county's economic transformation and upgrading.

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