A 40 million yuan loan safeguards forest ecosystems, 35 million yuan in credit empowers low-carbon agricultural transformation, and 100 million yuan in funding catalyzes industrial green upgrades... In recent years, BANKCOMM's Jiangxi Branch has deeply cultivated the green finance and transition finance sectors, steering by policy and cutting with innovation, connecting ecological protection with industrial upgrading through a series of benchmark projects to form a high-quality development pathway.
Walking along mountain trails in Fuliang County, Jingdezhen City, Jiangxi Province in the early winter, the path is lined with newly planted native and precious tree species, with clear birdsong echoing through the branches. Behind this lush greenery, a stream of financial "living water" is quietly nourishing the landscape. Guided by the People's Bank of China Jiangxi Branch and Jingdezhen Branch, BANKCOMM's Jingdezhen Branch disbursed a 40 million yuan biodiversity protection support loan to a forestry ecological resource development company in Fuliang County. The funds are fully and specifically allocated to the first phase of the Yinwu Forestry National Reserve Forest project, precisely targeting intensive cultivation and existing forest improvement across 304.12 hectares of mountain woodland. This project strictly adheres to the requirements of the "National Reserve Forest Construction Plan (2018-2035)" and employs scientific cultivation models to solidify the ecological foundation. Professional calculations estimate the project can sequester 532.28 tons of carbon dioxide and release 387.12 tons of oxygen annually, achieving significant results in carbon sequestration, oxygen release, soil and water conservation, and biodiversity protection. This not only deeply aligns with the "Kunming-Montreal Global Biodiversity Framework" but also explores a replicable, scalable "Jiangxi experience" for financial support of ecological conservation.
Inside the intelligent workshop of a food company in Yichun City, low-carbon production lines operate at high speed, with a central control screen displaying real-time, full-process energy consumption data. "We conducted in-depth research on local agricultural industry characteristics and precisely identified this company's low-carbon production and processing project from numerous candidates, tailoring a combined credit product of 'carbon reduction-linked loans + government special subsidies,' successfully issuing a 35 million yuan transition loan with a preferential interest rate of 3.1%," stated a relevant official from BANKCOMM's Yichun Branch. This loan involved joint assessment of emission reduction targets by Yichun Branch, third-party institutions, and Equator Principles partners, coupled with a municipal government interest subsidy policy of up to 50,000 yuan. It is expected to save the enterprise up to 85,000 yuan in financial costs annually, effectively stimulating its endogenous motivation for green transformation. At another non-ferrous metal production base, the Jiangxi Provincial Branch's Business Department provided a 100 million yuan, 72-month sustainability-linked loan to a new materials company. This loan deeply ties the interest rate to energy consumption indicators, clearly setting dual targets for the "2026 comprehensive energy consumption per unit product for the entire brass strip production process" – energy consumption for products with thickness >0.15mm shall not exceed 280 kgce/t, and for products with thickness between 0.06mm and 0.15mm, it shall not exceed 336 kgce/t. The enterprise can enjoy interest rate reductions upon achieving these targets, effectively leveraging financial incentives to stimulate endogenous motivation for energy-saving upgrades.
Building on Jiangxi's characteristics as a major agricultural province and a base for the non-ferrous metals industry, the Provincial Branch has abandoned a "one-size-fits-all" approach. Instead, it promotes the precise infusion of transition finance into the "capillaries" of industry through customized "one enterprise, one policy" services. The Branch has established a clear overall strategy of "grasping major trends, being market-oriented, policy-driven, and innovation-led," anchoring its goals on creating replicable agricultural transition experiences and expanding multi-industry service coverage. This is achieved by forming cross-departmental transition finance promotion teams, developing specialized work plans, and coordinating customer marketing with project reserves. Simultaneously, the Branch regularly publishes the internal newsletter "Voice of Green Finance" and conducts targeted business training to ensure policy benefits are accurately transmitted to the operational front lines. The Branch will continue to deepen financial innovation, actively explore more pathways for biodiversity protection and ecological value conversion, promote transition finance models in industries like steel, coal power, and building materials, and foster the synergistic, complementary, and integrated development of green finance and transition finance. It remains committed to the original purpose of finance serving the real economy, injecting a continuous stream of financial momentum into Jiangxi's economic and social green transformation and high-quality development with richer products and more precise services.
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