Shi Shiyu

　　A few days ago, the Agricultural Bank of China issued 20 billion yuan of green financial bonds for the construction of infrastructure green upgrade projects such as rail transit.

Since the beginning of this year, various state-owned banks have comprehensively used a variety of financial tools to focus on green finance, infrastructure construction, rural revitalization and other fields to serve the high-quality development of the real economy.

Facilitate low-carbon transition

　　In terms of green finance, a number of banks have recently continued to increase their financial support in the green field, including issuing green financial bonds and developing green credit businesses.

　　On October 20, the Agricultural Bank of China successfully issued 20 billion yuan of green financial bonds in the inter-bank market. Among them, the 3-year term was 15 billion yuan, and the issuance interest rate was 2.40%; the 5-year term was 5 billion yuan, and the issuance rate was 2.80%. The multiple is 2.5 times.

The Agricultural Bank of China pointed out that all the funds raised from this bond will be used for the construction of green upgrade projects for infrastructure such as rail transit, and to serve the development of the real economy with high quality.

　　It is understood that a number of banks will continue to increase their financial support for green and low-carbon fields, and inject financial "living water" into the development of green industries and enterprises.

According to various bank announcements, as of the end of September this year, the scale of ICBC green loans increased by about 950 billion yuan compared with the beginning of the year, an increase of 34%; the balance of China Construction Bank's green loans was nearly 2.6 trillion yuan, an increase of 630 billion yuan compared with the end of 2021, an increase of 34%. The balance of green credit business of Agricultural Bank exceeded 2.5 trillion yuan; the scale of green credit of Bank of China increased by about 36% compared with the beginning of the year; the balance of green credit of Bank of Communications exceeded 600 billion yuan, an increase of more than 25% compared with the end of 2021.

In addition, the Postal Savings Bank of China has recently taken the lead in issuing sustainable development-linked syndicated loans in the market.

　　"The high-growth green credit scale is one of the concrete manifestations of the rapid development of my country's green finance." Chen Li, chief economist of Chuancai Securities and director of the research institute, said that the high growth of green credit scale has contributed to green and low-carbon related projects and industries. development has provided strong financial support.

Facilitate infrastructure financing

　　In addition to green finance, since the beginning of this year, many banks have increased loans in the infrastructure sector and provided supporting financing for infrastructure fund investment projects.

　　It is understood that up to now, the total credit extension of CCB's infrastructure fund has exceeded 400 billion yuan to ensure the effective promotion of supporting financing for fund projects.

The relevant person in charge of CCB pointed out: "CCB takes the infrastructure fund whitelist mechanism as the starting point, strengthens resource guarantees such as preferential inward transfer prices, approval of green channels, etc., and establishes a 'working group to improve the quality and efficiency of operations in the infrastructure field' to accelerate the promotion of infrastructure fund projects. , focusing on key projects such as transportation, water conservancy, energy, and municipal administration.”

　　Taking the reconstruction and expansion project of the Jinan-Heze section of the Jinan-Guangzhou Expressway as an example, according to CCB, the estimated total investment of the project is 18.6 billion yuan, and the whole line is 152.7 kilometers. The province's "14th Five-Year Plan" and major construction projects for a strong transportation province are of great significance to strengthening Jinan's external radiating role, enhancing exchanges between Jinan and Heze, Henan and other regions, and accelerating the economic development of the areas along the route.

At present, CCB has invested a total of 341 million yuan into the project, which strongly supports the improvement of the transportation network construction in Shandong Province and accelerates the improvement of urban connectivity.

　　In fact, multiple banks are on the move.

For example, Bank of China has completed the approval of supporting financing for infrastructure fund investment projects of more than 250 billion yuan; Agricultural Bank has completed the approval of supporting financing of more than 360 billion yuan and invested more than 10 billion yuan.

　　The credit input of the banking industry has promoted the rebound of the growth rate of infrastructure investment.

Industry insiders pointed out that the construction period of major projects is long and the investment capital is large. In addition to the support of policy development financial tools, commercial banks are also required to provide supporting funds in the form of project loans. Different types of banks should play their respective advantages and actively participate in the foundation. facility construction.

Empowering rural revitalization

　　The comprehensive promotion of rural revitalization is inseparable from the strong support of finance.

In recent years, a number of banks have attached great importance to the empowerment of rural revitalization by financial technology, giving full play to their own advantages, integrating various resources, making overall plans for the overall work of empowering rural revitalization by financial technology, and accelerating the digital transformation of "agriculture, rural areas and farmers" business.

　　It is reported that the Postal Savings Bank has continued to build a rural credit system, innovated online credit user loan products, established an efficient and accurate active credit granting mechanism of "small amount and wide coverage", steadily promoted the pilot program of universal credit granting to farmers, and assessed 362,000 credit villages. There were 6,343,500 credit users, and the "Rural Financial Services Accurate Portrait" was carried out for 457,000 administrative villages.

Agricultural Bank has also increased resource investment, established financial technology subsidiaries, strengthened the construction and marketing of digital rural scenarios, accelerated the digital development of agriculture, rural areas and farmers, and helped Agricultural Bank to serve the rural revitalization strategy with flexible market-oriented systems and mechanisms. speed up.

　　Fan Yifei, deputy governor of the People's Bank of China, pointed out that since last year, the financial industry has made full use of financial technology to create a multi-level, high-efficiency and sustainable rural digital inclusive financial service system, giving play to the driving role of digital technology and enhancing the availability of rural financial services. and inclusiveness, providing a solid guarantee for promoting the implementation of the rural revitalization strategy.