(Editor's Note: As an advocate and practitioner of green finance , in recent years, Minsheng Bank has actively practiced ESG Concept: Promote green finance business from a strategic perspective, continuously improve the comprehensive service capabilities of green finance, and continuously increase financial support for green and low-carbon fields. Since 2020, the growth rate of Minsheng Bank Green Credit has continued to be higher than the industry average. In the first half of 2022, Minsheng Bank's green credit balance increased by 40.9% from the beginning of the year, maintaining the leading level in the industry; at the same time, it serves the majority of member customers of the national carbon market, and carbon trading settlement l1 penetration rate remains in the industry leading position.
In the next stage, Minsheng Bank will continue to focus on the "dual carbon" goal, practice the concept of green development, continue to promote the optimization and upgrading of industrial structure, help national carbon market member companies to accelerate the transformation and improvement of low-carbon, integrate green into life, promote development with low carbon, and contribute people's livelihood to the construction of green waters and green mountains. )
"People's Livelihood Carbon E-loan" Help small and medium-sized enterprises to transform low-carbon
Zhejiang Qichao Cable Co., Ltd. is located in Quzhou, Zhejiang, the "green capital" of China. It is a specialized and innovative enterprise with the business philosophy of " enlightenment , surpassing, scientific and technological innovation", and is also an upstream supply chain enterprise of State Grid .
has always attached great importance to energy conservation and emission reduction, green and environmental protection, production safety, etc. However, although enterprises have a strong initiative in pursuing green and low-carbon transformation, it is difficult to find a relatively clear or detailed standard whether compared with themselves or with peers, and lack measurement standards, evaluation standards and value reflections.
"Sometimes the cost of investing in energy conservation and emission reduction is far higher than the cost of reducing. From the perspective of economic benefits alone, the benefits are still difficult to reflect in the short term." said the person in charge of Qichao Cable.
transit appeared in March this year. With the recommendation of Fengqi Branch of Minsheng Bank Hangzhou Branch, Qichao Cable opened a carbon account at State Grid Yingda Carbon Assets Company. With the good green evaluation results, the company was approved as a credit of 13.5 million yuan for the "Minsheng Carbon E-loan" order financing business at Minsheng Bank, and completed the issuance in the same month, becoming the first implementation business of "Minsheng Carbon E-loan".
Since coming into contact with the "Carbon E-loan" order financing product jointly launched by Minsheng Bank and Yingda Group, the company suddenly realized: "The order financing business of 'Minsheng Carbon E-loan' can not only help us achieve financing pre-installation, increase the turnover of stocking funds, and reduce financing costs, but also enjoy the rich green exclusive rights and interests services jointly provided by Minsheng Bank and State Grid Yingda Group ."
"Minsheng Carbon E-loan" is the first green and innovative financial product in the industry to accurately support the low-carbon transformation and development of small and medium-sized enterprises, covering four scenarios: inclusive finance, supply chain finance, cross-border finance and specialization and new. It is a comprehensive product service system with full cycle, multi-scenario, customized rights and interests.
In the "People's Livelihood Carbon E-loan" business, State Grid Yingda Group relies on the mature energy digital infrastructure of the State Grid to obtain the collected electricity data with authorization, combines historical statistical data from regions and industries to calculate carbon performance by electricity, converts "physical electricity meters" into "digital carbon meters", and builds a carbon capacity evaluation model for carbon accounts, sets up a "carbon account" for customers to record the "carbon footprint", and obtains "carbon grade" based on " carbon footprint ", which accumulates "carbon points", effectively helps small and medium-sized enterprises solve the pain points of "difficulty measurement" and "difficulty evaluation" of carbon emission reduction behavior.
To this end, Minsheng Bank introduced Yingda’s “carbon account, carbon credit score” system, applied the “carbon evaluation” results to the customer credit rating and credit business rating system, and added the evaluation dimension of “ carbon emission reduction capability” to the bank credit evaluation system, differentiated rating of the company and its businesses, and allocated preferential carbon financial services and carbon account member rights to the company based on the grading results, helping small and medium-sized enterprises to seek benefits from energy conservation and emission reduction, and finding a development path for small and medium-sized enterprises to truly evaluate “carbon capacity”, discover “carbon value”, obtain “carbon income” and “carbon rights”, and realize “carbon transformation”.
It is understood that the goal of the State Grid People's Livelihood Carbon E-loan in the future is to achieve the full process "online, automation, low-carbon, integrated, and intelligent", to create a low-carbon and energy-saving intelligent financial service platform for various business scenarios of small and medium-sized enterprises, and become a "good helper" for enterprises' green transformation.
"In the future, onlineization and automation will be further expanded to reduce manual operations. The product itself can reduce carbon emissions and seamlessly connect with the production and operation of enterprises, which can reduce the cost of enterprise capital use; in addition, you can open an Yingda carbon asset account to realize carbon assessment and convert carbon points, and you can also enjoy financing interest rate discounts and increase quota services based on the 'carbon points', so as to effectively transform the enterprise's carbon reduction investment into real benefits, increase the company's market competitiveness, and accelerate the supply chain industry cycle." A relevant person in charge of Minsheng Bank introduced.
People's Livelihood "Photovoltaic Loan" Farmers "green" get rich quickly
"Installing a photovoltaic power station on the roof, you can make money without occupying land. The profit is not bad, so it is more cost-effective to use a Minsheng Photovoltaic Loan to buy a power station." Mr. Yang from Xijishan Village, Tongye Town, Anyang County, Henan Province said happily.
Minsheng "Photovoltaic Loan" is a green financial agricultural product launched by Minsheng Bank for further implementing the goal of carbon peak and carbon neutrality of , focusing on national inclusive finance and rural revitalization, cooperating with domestic leading photovoltaic manufacturers, and innovatively launching green financial agricultural products for rural customers.
In August this year, Mr. Yang successfully borrowed 170,000 yuan through Minsheng Photovoltaic Loan, purchased equipment with a down payment of 0 and a full loan, and installed 84 photovoltaic panels on his roof. According to the local electricity bill, the electricity bill income can not only fully cover the repayment amount, but also receive an additional income of more than 5,300 yuan in the first year after excluding the loan interest. It is reported that Mr. Yang’s power station is expected to achieve solar power generation of 57,444 degrees Celsius in the first year, which is equivalent to reducing emissions of 18.84 tons of carbon dioxide .
"Minsheng Bank's photovoltaic loan is much more convenient than I thought. I don't have to go to the bank. I just borrowed money on my mobile phone and completed all the procedures at home." Mr. Yang said that under the guidance of the bank and photovoltaic equipment dealer staff, he handled the "Photovoltaic loan" on his mobile phone. Not only did he not need to go to the bank outlets, but the business processing process was also simpler and more efficient.
is to efficiently reach rural areas. Minsheng Bank has fully utilized the role of science and technology finance in the development and management of "photovoltaic loans" business by using big data, cloud computing and other technological means, and has realized the full online model. The majority of users can realize remote application, verification, and review, and the business process is simple and fast.
"In the system docking and upgrading, by optimizing the online transmission of loan data, the traditional model of manually transmitting data through offline has been changed, and the entire process of business from application to loan is truly online, which has greatly improved the efficiency of business processing." A relevant person in charge of Minsheng Bank introduced that the bank connects with the core photovoltaic manufacturer system and realizes system interconnection and data exchange to obtain the power generation data and operation and maintenance of user distributed photovoltaic equipment in real time, and dynamically grasps the operating status of assets, thus realizing a new online digital model of the entire process from application to loan, from power generation income monitoring to automatic repayment, from digital post-loan management to batch compensation of core enterprises, greatly improving risk control capabilities.
At the same time, Minsheng's "Photovoltaic Loan" fully takes into account the actual needs of farmers, protects the legitimate rights and interests of farmers in various ways, and realizes a series of service innovations.
For the quality and post-maintenance service of photovoltaic equipment that farmers value the most, Minsheng Bank ensures equipment quality and post-maintenance service through cooperation with leading domestic enterprises. At the same time, a remote witness function is added to confirm the customer's true loan intentions through manual customer service videos.
In June this year, in response to farmers' needs for expanding the fund quota and extending the term during the promotion process, the bank has newly upgraded the "Photovoltaic loan", which has six highlights: extending the term of the product loan to 15 years, and adjusting the upper limit of the loan amount to 250,000 yuan, effectively reducing the repayment pressure of farmers; at the same time, considering that the proportion of elderly customers in rural areas is the increase of the credit maturity age to 70 years old, covering the rural customer base to the greatest extent.
As of now, Minsheng's "Photovoltaic Loan" has been fully promoted to farmers in Henan, Hebei, Shandong and other regions, with a credit amount of more than 270 million yuan. According to a relevant person in charge of Minsheng Bank, the bank will further promote the strategic cooperation with domestic photovoltaic core enterprises, and strive to build a standardized, healthy and sustainable photovoltaic loan market ecosystem to help farmers embark on the road to green wealth.
supports power plant construction and assists in the clean utilization of coal
Fuyang China Resources Power Co., Ltd. is a member enterprise of the national carbon market. The construction of the second phase of the company's power plant began at the end of 2018. As a key project under Anhui Province, after the power plant is completed, it will become one of the main power bases of the Anhui North Power Grid, which will play a very important role in the safe and stable operation of the regional power grid and reliable power supply.
According to reports, the 2×660MW ultra-supercritical unit of Fuyang Power Plant uses international leading technology. It is expected that the power supply standard coal consumption can be reduced to 265g/kwh after completion and production, which is 35g/kwh lower than the traditional primary reheating supercritical coal-fired unit. According to the annual power supply of 6 billion kWh, 210,000 tons of standard coal can be saved throughout the year and 546,000 tons of carbon dioxide emissions can be reduced. At the same time, desulfurization, denitrification and dust removal facilities are built. All indicators meet my country's benchmark standards for clean and efficient utilization of coal, and pollutant emissions are fully realized. Pollutant emissions may be the most efficient environmentally friendly power plant at home and abroad after completion.
"As my country's basic energy resource, coal has accelerated its clean and efficient utilization and transformation, which is of great significance to ensuring the operation of the domestic economy and helping to achieve the 'dual carbon' goal." A relevant person in charge of Minsheng Bank said that after learning about the relevant situation, the company provided 300 million yuan in credit support, specifically to support the construction of on the second phase of the power plant, effectively achieving the balance of ecological and social benefits.
This project not only has a significant demonstration effect on energy conservation and emission reduction, but also, after the project is fully put into production, it is expected that the annual power generation will reach 6.5 billion kilowatt-hours. At that time, it will effectively make up for the power supply gap of the northwest Anhui power grid, becoming an important support for the northern Anhui power grid, and providing strong support for Anhui Province's strategy of "revitalizing northern Anhui". In addition, the project is mainly responsible for supplying power to the rural areas of northwest Anhui, and it is also a useful practice for all parties to actively implement the national rural revitalization strategy and serve the construction of local rural public service facilities.
"Our bank firmly implements the national green and low-carbon development strategy, insists on serving the green transformation of traditional industries and supporting the development of clean energy, actively explores and innovates practices." A relevant person in charge of Minsheng Bank said that in the future, the bank will further focus on the needs of green development of all types of economic entities in the whole cycle and multi-scene scenarios, increase financial service support, and continue to contribute people's livelihood to the construction of a beautiful China .
assists sewage treatment and promotes ecological environment improvement
Fujian Ningde Dongqiao Economic and Technological Development Zone is located in the center of Ningde City. Its jurisdiction includes the main urban area and industrial concentration area. The urban area is planned to be 16.7 square kilometers and the industrial area is planned to be 24 square kilometers. Since it was approved by the State Council to upgrade to a national development zone, Dongqiao Economic and Technological Development Zone has initially formed five pillar industrial clusters including new energy and new materials, motors and electrical appliances, food processing, biotechnology, and new manufacturing industries. A number of enterprises have settled or are planning to settle down.
However, Ningde City The original two sewage treatment plants in the main urban area of the main urban area have basically saturated. With the expansion of production by enterprises in the region, it is expected that sewage discharge will continue to increase, and subsequent sewage treatment demand will further increase.
In order to resolutely fight the battle against pollution, Dongqiao Economic and Technological Development Zone has continuously improved the sewage treatment capacity of the main urban area and plans to expand the third phase of the North District Sewage Treatment Plant project.
"The nearest planned scale of this project is 40,000 tons/day, and the long-term planned scale is 100,000 tons/day." According to the relevant person in charge of the project, according to the plan, the sewage treatment company signed a project franchise agreement with the Dongqiao Economic and Technological Development Zone Construction Bureau and plans to sign an asset transfer agreement with the right party. In addition to urgently requiring fixed asset project construction funds, the project construction also requires supporting mergers and acquisition funds.
After learning about the project needs, Minsheng Bank quickly formed an agile team to deeply connect with the company's needs, tailor the financial service plan, and the various departments of the head office and branch worked together to promote the project to be efficiently approved for fixed asset loans of 107 million yuan and merger loans of 22 million yuan, and successively invested, effectively supporting the improvement of green public service capabilities.
During the service process, Minsheng Bank demonstrated its firm determination and professional ability to serve green development. On the one hand, we quickly formed an agile service team, and all departments fully supported it, participated in customer marketing, coordinated the credit approval process, conducted sufficient research and research on the development trends and project background of the sewage treatment industry, supported risk decisions in multiple dimensions, and promoted the smooth implementation of the project. On the other hand, through continuous professional empowerment, reasonable financing plans were designed to effectively solve the company's pain points and was favored by the company. The loan was approved and the company immediately withdraws the loan, further deepening the cooperation between banks and enterprises.
"Supporting the sewage treatment plant project also brings good social and environmental benefits." A relevant person in charge of Minsheng Bank said that through green credit support for the sewage treatment plant project, it is not only possible to avoid or reduce the damage caused by urban sewage to the surrounding environment and other industries in the nearby river basin, create a good natural environment and investment environment for the area, promote the economic development of the region, and also help protect the water resources of urban rivers and streams, improve residents' quality of life and health, enhance the city's image, and bring good social and environmental benefits. Text/Mengzhu
Daily Economic News
