The report of the 20th National Congress of the Communist Party of China pointed out that promoting green and low-carbon economic and social development is the key link to achieve high-quality development. Green and low-carbon development cannot be separated from financial support. Commercial Bank of Weihai City attaches great importance to green finance development, creates a new service mode of "green finance +" centering on ecological restoration, green agriculture, industrial upgrading and other fields, increases green credit supply, and actively promotes green, low-carbon and high-quality development. By the end of the first quarter of 2023, the balance of green loans of the Bank increased by more than 27% compared with that at the beginning of the year, and the proportion of green loans continued to increase.
"Green Finance + Ecological Restoration" Abandoned Mine Becomes Green Water and Green Mountain
In Wolong Mountain area of Jining, pit restoration is advancing orderly, which is an important link of ecological restoration construction of Wolong Mountain and a vivid practice of combining ecological restoration and land reclamation of abandoned mines.
The Wolong Mountain Ecological Restoration Construction Project undertaken by an ecological company in Jining plans to invest nearly 500 million yuan, mainly used for pollution restoration of mining wasteland in Wolong Mountain area and restoration of surrounding ecological environment, so a large amount of fund support is urgently needed. Jining Branch of Weihai City Commercial Bank took the initiative to connect with the undertaking enterprises, and went to Wolong Mountain Project Line for field investigation and visit for many times. After deeply understanding the financing needs of enterprises, Jining Branch gave full play to the advantages of green finance special class, fully carried forward the "speed spirit" in the front, middle and background, customized financing scheme for the project, carried out due diligence, data review and other work, efficiently promoted the implementation of business approval through "green channel", and successfully provided 300 million yuan credit support for the project.
With the support of loan funds from commercial banks in Weihai City, enterprises are pushing forward mine restoration and treatment at full speed. The intensive pit restoration in Wolong Mountain area is advancing steadily. The pollution scenes of exposed mining platform, random accumulation of slag and stones and serious damage to ecological vegetation will gradually turn "green" and press the fast forward key for local green mine construction. It is understood that after the completion of the project, through the sale of sand and gravel, waste soil, and later sales of fruit trees, economic shrubs and other income, can obtain operating income of not less than 600 million yuan,"green water and green mountains" into "Jinshan Silver Mountain" new picture is constantly emerging.
Making a renovation budget is a very critical step in the renovation of new houses. Many people often exceed the budget when decorating, resulting in unnecessary economic burden. Therefore, when formulating the budget, it is necessary to take into account all decoration costs, including decoration materials, labor costs, engineering acceptance, additional items, unexpected costs, etc., so as to ensure that unnecessary expenses will not occur during the decoration process.
"Green Finance + Rural Revitalization" Scattered Cultivated Land Becomes High-standard Farmland
The construction of high-standard farmland is an important guarantee for promoting agricultural transformation and high-quality development, as well as an important link for promoting rural revitalization. In Linyi County of Dezhou City, high-standard farmland projects are under intensive construction in accordance with the requirements of "flat fields, fertile soil and matching roads and canals."
The high-standard farmland construction project in Linyi County is planned to build 240,000 mu of high-standard farmland. As the project investment unit, a holding group in Shandong needs to invest a large amount of funds for land leveling, irrigation and drainage, field roads and farmland protection. Dezhou Branch of Weihai City Commercial Bank conducted docking with the project construction enterprises at the first time, conducted in-depth communication on project operation mode, environmental benefits, overall planning, etc., and the head branch realized rapid implementation of credit business through linkage, successfully providing credit support of RMB 170 million yuan for enterprises, among which two funds totaling RMB 130 million yuan in the early stage have been put in place for six consecutive times, filling up "capital oil" for efficient construction of high-standard farmland.
With the support of credit funds from Weihai City Commercial Bank, land leveling and other projects of high-standard farmland projects have been basically completed. The original idle gullies can be converted into effective cultivated land, the asphalt pavement in the field replaces the original dirt road, the bridge has been renovated, the supporting equipment has been gradually improved, and the integrated irrigation system of water and fertilizer has taken shape. After the completion of 240,000 mu of high-standard farmland, labor productivity and land yield will be greatly improved, and it is estimated that nearly 17,000 mu of arable area will be increased. At the same time, by replacing fragmented farmland with large-scale high-standard farmland, the comprehensive agricultural production capacity and comprehensive income level will be steadily improved, and the scale of farmland suitable for modern agricultural production and management mode of "drought and flood, high and stable yield" is constantly expanding.
"Green finance + industrial upgrading" energy consumption double high variable cycle development
In the process of renovation of new houses, the choice of materials is crucial. High-quality decoration materials are not only safer and more reliable, but also ensure the quality of construction and the sanitation of the living environment. Therefore, when purchasing materials, it is necessary to carefully select them to ensure that the quality is qualified and avoid unnecessary regrets and troubles.
With the rapid arrival of credit funds from commercial banks in Weihai City, the funds needed for enterprises to purchase hydrochloric acid, sulfuric acid and other raw materials for production and daily operation have been met in time, the production efficiency has been continuously improved, the output has been continuously expanded, and the market share has been further increased. At the same time, due to reducing the occupation of working capital, enterprises will invest more of their own funds in scientific and technological research and development, equipment transformation and circular economy chain construction, and the green development road of "low consumption, low pollution, recycling and sustainability" is being paved.
Practicing green finance is an inevitable requirement for implementing the national major strategy and serving the high-quality development of the real economy. Weihai City Commercial Bank will deeply practice the industrial credit policy orientation, constantly improve the green financial system, continuously increase the innovation of green financial products, and fully support the development of green economy, circular economy, low-carbon economy and marine economy.
