"Investor Network" soup towel

With the sound of the "double carbon" goal, commercial banks have taken green finance as a new track to support the real economy, protecting the green waters and green mountains with financial strength.

In mid-June, the first carbon neutralization Expo-Shanghai International carbon Neutralization Technology, products and achievements Exhibition (hereinafter referred to as "carbon Expo") kicked off.

As a local corporate bank, Bank of Shanghai Co., Ltd. (hereinafter referred to as "Bank of Shanghai", 601229.SH) unveiled at the carbon Expo on June 12, jointly launched Shanghai's first green inclusive guaranteed loan product with Shanghai small and medium-sized Enterprises Policy financing guarantee Fund Management Center and Shenneng carbon Technology Company, and jointly established the "Green Finance Lab" with Shanghai Energy Saving Association and Shanghai Energy efficiency Center. Become a major focus of attention in the industry.

At the event site, the Bank of Shanghai also issued the 2022 Environmental Information Disclosure report, which elaborated on the bank's green development strategy and effectiveness. Since 2020, the bank has accelerated the layout from the aspects of top-level design, product system, management and operation optimization, improved the construction of various systems and mechanisms, expanded the scale of business and the number of customers, and the scale of green loans has increased by more than 6 times.

Build a green financial brand

Under the guidance of the goal of carbon peak and carbon neutralization, the Bank of Shanghai adheres to the concept of green development, promotes green finance to a strategic height, explores a feasible path of green and low carbon, and makes efforts simultaneously from two aspects of business development and its own operations. to create a boutique bank with distinct green characteristics.

Since the launch of the green financial brand "Green City Bank" in November 2021, the Bank of Shanghai has iteratively upgraded the "Green Finance +" product and service system, forming four pillar product categories of "Green Huiwan Enterprises", "Green Alliance Business Investment", "Green Finance Global" and "Green Life".

In 2022, the bank will continue to promote product innovation, increase direct financing support for green areas such as clean energy, energy conservation and environmental protection, and provide one-stop and omni-directional green investment and financing services for customers and their industrial chains.

For example, the Bank of Shanghai successfully launched the first single district loan to promote distributed photovoltaic project, which is used to promote the construction of roof photovoltaic power station of distributed photovoltaic renovation project in Linping District of Hangzhou City. The total credit amount is 560 million yuan, with a term of 10 years.

At the same time, focusing on new technologies, new processes, new materials, new equipment, new energy and other emerging areas, the Bank of Shanghai provides a package of comprehensive financial services for manufacturing enterprises in the industry to help enterprises speed up key technological breakthroughs and achievements transformation. promote the cluster development of green and low-carbon industries.

Last year, the bank signed a strategic cooperation agreement with a leading manufacturing company in Jiangsu Province and provided 1.2 billion yuan of green credit support to its recycled fiber R & D and production company to boost the group's low-carbon industrial layout.

In addition, the Bank of Shanghai also combines the whole life cycle of the development of green enterprises, continuously improves the services of the green industry chain, and comprehensively uses all kinds of investment and financing products of "stock and debt loan investment". To provide comprehensive financial services for green low-carbon enterprises, a number of green first business will be launched in 2022.

In February of that year, Shenzhen Yonglian Technology Company, which was underwritten and invested by the Bank of Shanghai, successfully issued the first phase of green debt financing plan in 2022, creating the first green debt financing in the new energy vehicle industry. The financier of the project is a private manufacturing enterprise in the new energy charging industry in Shenzhen, with bonds raising 30 million yuan for the R & D and manufacture of energy-saving and environment-friendly green power products such as charging piles and charging modules.

Improving quality and increasing efficiency of Green Credit

In recent years, the Bank of Shanghai has accelerated the promotion of green financial innovation, combining its own resource advantages to launch products and services that meet the financing needs of the green industry.

In 2022, the Bank of Shanghai launched the annual green finance special credit policy, which should not only support the development of green enterprises, but also support the needs of low-carbon transformation of carbon-intensive industries, and strive to create products and services with green financial characteristics.

Judging from the overall situation of green investment and financing, by the end of 2022, the bank's green loan balance was 65.37 billion yuan, an increase of 116.38% over the end of last year, of which the clean energy industry loan balance was 14.315 billion yuan, an increase of 123.92% over the end of last year. 1270 green loan customers, an increase of 148.05% over the end of last year. The non-performing loan ratio of green loans is 0.04%.

In 2022, the green loan growth rate and the clean energy industry loan growth rate are higher than the bank's loan growth rate, achieving the people's Bank of China's goal of "no lower than two". Green loans are mainly invested in green upgrading of infrastructure, clean energy industries, energy conservation and environmental protection industries, with the balance accounting for 79.15%. From a regional point of view, concentrated in the Yangtze River Delta region, the balance accounts for 77.31%.

In terms of green bonds, by the end of 2022, the investment balance of green bonds of the Bank of Shanghai was 13.693 billion yuan, an increase of 46.46%. In that year, it underwrote 5.455 billion yuan of green bonds, ranking first among city commercial banks.

In the green credit project supported by the Bank of Shanghai, it focuses on six typical green industries, such as distributed photovoltaic, contract energy management, building energy saving renovation, ecological promenade construction, sewage treatment, and integrated pipe network construction. Special topics to carry out analysis and environmental benefit accounting.

Take the distributed photovoltaic power generation project on the roof of an automobile factory in Ningbo area supported by the bank as an example, the installed capacity of the distributed photovoltaic project is 0.9MW, and the average annual generating capacity can reach 894500 KWh. As a supplementary power source to the power grid, the project can reduce the region's dependence on traditional energy and help optimize the energy structure. It is estimated that the bank's loan to the project during the reporting period can save 11.78 tons of standard coal, 26.98 tons of carbon dioxide, 0.03 tons of sulfur dioxide and 0.01 tons of nitrogen oxides per year.

In addition, taking a standard-raising transformation project of sewage treatment in Wuxi as an example, the construction scale of the project is up to 60,000 cubic meters per day. after the completion of the project, it can further reduce the content of pollutants such as chemical oxygen demand, ammonia nitrogen, total nitrogen and total phosphorus in the effluent, effectively alleviate the pollution of the regional water environment, and improve the water quality of the region. In 2022, the Bank of Shanghai loan to the project can reduce 191.31 tons of chemical oxygen demand, 33.48tons of ammonia nitrogen, 28.70tons of total nitrogen and 1.91tons of total phosphorus.

Continue to focus on "six combinations"

While providing green financial services for enterprises, the Bank of Shanghai has also started to carry out low-carbon operations from its own, making continuous efforts in its own green transformation through the "six combinations" to promote the realization of a double cycle between the business side and the operation side.

The "six combinations" specifically include: the combination of green strategy and implementation path, the connection of green standards and early and pilot, the integration of green network and green finance, the integration of green behavior and carbon footprint, the promotion of green environment and carbon emission reduction, and the combination of green development and cultural deep planting.

For example, in the connection between the green standard and the first and first trial, the Bank of Shanghai participated in the drafting of the Technical Specification for the Establishment and Evaluation of Zero-carbon Park and the release and implementation of the Technical Specification for the Establishment and Evaluation of Zero-carbon data Center. it has become the only participating unit in the financial industry.

Subsequently, Zhangjiang Park was successfully selected into the list of the first batch of zero-carbon enterprises (parks) in Shanghai, one of the first three zero-carbon parks, and the only financial institution selected. Its battle to reduce emissions has also achieved remarkable results. in September 2022, the distributed photovoltaic project in Zhangjiang Park was connected to the grid, with an average annual renewable energy generation of 730000 kilowatt-hours and 307 tons of carbon dioxide reduction.

In 2023, the Bank of Shanghai will take another step forward to explore the construction of a zero-carbon park in Zhangjiang Park, formulate long-term planning and distribution implementation, promote the decline of data center PUE (power use efficiency) and fine energy management, and give full play to the demonstration effect of green energy conservation in the financial park.

In addition, the Bank of Shanghai has also established quantifiable and all-factor green network construction standards around the whole process of network construction, operation and service, and carried out the pilot construction of "green finance + green network".

For example, Bank of Shanghai Tianjin Branch promotes the intelligent use of science and technology, using power Internet of things technology to achieve real-time energy consumption monitoring, real-time valve control, accurate analysis, effectively find high-energy-consuming electrical appliances, and output targeted energy-saving operation methods. Optimize printing management through "point, line and surface", promote paperless office and cloud meetings, implement the networking function of office printing equipment, integrate regional equipment, reduce stock, create paperless conference rooms, and do a good job of publicity and supervision.

Thus it can be seen that the Bank of Shanghai has taken root in the real economy, actively integrated into the low-carbon transformation, came up with specific and effective measures based on multiple dimensions, and finally formed a set of green development "combination punches", which has become an advanced "model" for commercial banks to practice green finance. (produced by thinking Finance) ■