Dari "Selesai dalam Satu Hari" ke "Mengubah Titik Hijau Menjadi Emas"

Xinhua News Agency Beijing, 7 April - Luzhou, located upstream of the Yangtze River, is a core area for constructing Sichuan Province’s ecological barrier. How to deeply integrate financial power into ecological protection? Under the guidance of the People’s Bank of China Luzhou Branch, the Luzhou City Branch of Postal Savings Bank of China closely follows the “Biodiversity Finance Catalog (Trial)”, and makes precise efforts in three major fields: building material transformation, water transportation, and forestry planting. They have explored a collaborative path of “emission reduction + ecological protection + industrial upgrading,” enabling green finance to move from concept to practice, from blueprint to tangible results.

Breaking the Barrier in Building Material Transformation: A Loan Accelerates “One-Day Processing”

In recent years, the glass building material industry has been undergoing a green transformation. A glass product company in Luzhou is at a critical stage of expansion and upgrading but hesitates due to capital bottlenecks. Postal Savings Bank staff, during visits, keenly captured the company’s financing needs and quickly tailored a “Private Investment Special Guarantee Plan + Biodiversity Finance” solution for them.

Relying on close cooperation with Xinglu Financing Guarantee Group, the bank established a model of “pre-approval and filing + online risk control + green channel,” taking only one day from application to disbursement, successfully issuing the city’s first and the province’s first batch of private investment special guarantee loans of 3.88 million yuan. The special guarantee’s annualized fee rate is as low as 0.7%, with a 23-month loan term precisely matching the technical renovation and expansion cycle, solving the company’s urgent needs and promoting a dual-driven approach of “capacity expansion + green technical renovation.”

The implementation of this loan not only provides a replicable example of “transformation finance + biodiversity finance” for the building material industry but also drives the green expansion of small and micro enterprises. Through equipment updates and energy efficiency improvements, it forms a cluster-based emission reduction, effectively reducing regional ecological pressure, and allowing the value of biodiversity to be highlighted in industrial upgrading.

Setting Sail in Water Transportation: Solving the Financing Difficulties of “Light Assets”

Water transportation is an important support for Luzhou port economy but has long faced the financing dilemma of “light assets and insufficient collateral,” especially as shipbuilding lacks property rights and cannot obtain credit support. How to safeguard enterprise development and protect the Yangtze River aquatic ecology? Postal Savings Bank provides an answer with “Biodiversity + Transformation Financial Innovation.”

During a visit to a shipping company, the bank learned that the company planned to build a new ship and intended to use ship mortgage financing. The bank customized a comprehensive “credit + ship mortgage + biodiversity” plan, applied to the head office to open “ship mortgage” business rights, and successfully granted a credit of 3 million yuan through the online “Micro Loan” credit model in less than two days. Meanwhile, the ship mortgage loan process linked to biodiversity is also progressing rapidly.

This model solves the pain point of “unfinished ships difficult to finance,” efficiently meets the company’s working capital needs, and directs credit support precisely toward eco-friendly fields such as ship pollution control, clean energy promotion, and green port construction, helping to reduce the impact of shipping on Yangtze River aquatic life and watershed ecology, with risk controllability and replicable modes.

Deepening Forestry Ecology: “Government Procurement + First Loan” Activates Ecological Value

Luzhou has over 4 million acres of bamboo forest, ranking first in Sichuan. The “Four Forest Reserves” construction is both an ecological project and an industry opportunity. However, small micro enterprises providing ecological services often face difficulties due to “no collateral, no credit, light assets,” making traditional financing channels hard to cover.

A Sichuan-based harmful organism prevention company mainly engaged in pest control, forestry pest management, and ecological restoration holds government procurement orders but encounters financing bottlenecks due to lack of historical credit records and traditional collateral. Postal Savings Bank, focusing on “government procurement contract pledge,” combined with exclusive policies for first-time borrowers, embedded into the biodiversity finance evaluation system, and innovatively built a “order pledge + first loan green channel + ecological value enhancement” credit mode, successfully granted the company a 200,000 yuan credit line, filling the liquidity gap and ensuring smooth progress of government procurement projects.

This “government procurement loan + first loan + biodiversity finance” linkage mode effectively transforms “government procurement credit” and “ecological value” into financial assets, expanding the coverage of first-time borrowers and opening a replicable financing path for Sichuan’s ecological service small micro enterprises, truly making “green water and lush mountains” become “gold and silver mountains.”

From the “one-day processing” in the building material industry, to the “credit + ship mortgage” in water transportation, and then to the “government procurement + first loan” in forestry ecology, Postal Savings Bank Luzhou Branch exemplifies three innovative practices, vividly illustrating a typical sample of “transformation finance + biodiversity finance.”

The Luzhou Branch of Postal Savings Bank of China stated that in the future, they will continue to fulfill the responsibilities of a state-owned large bank, deepen product innovation, and excel in financial technology, green finance, inclusive finance, pension finance, and digital finance—“five big articles”—using financial “living water” to precisely irrigate port economy, emission reduction, ecological governance, and other green industry clusters, helping Luzhou to steadily advance on the path of coordinated biodiversity protection and economic development. (Economic Reference Reporter Xiang Jiaying)