Chongqing Rural Commercial Bank： Help green finance to help the construction of Chongqing

Hualong.com In recent years, Chongqing Rural Commercial Bank (hereinafter referred to as “Chongqing Rural Commercial Bank”), the largest local financial institution in Chongqing, conscientiously implemented the municipal party committee and municipal government’s decision -making and deployment on promoting green development, and actively practiced ecological priority priority, The concept of green development, continuously accelerate the innovation of green financial services, strive to build a green financial service system, increase the tilt of financial resources towards the green field, and help the construction of the Chongqing Green Financial Reform and Innovation Pilot Zone.As of the end of 2023, the balance of green loans of Chongqing Rural Commercial Bank was nearly 62 billion yuan, an increase of 13 billion yuan and an increase of 27%over the beginning of the year, which has effectively promoted the high -quality development of the city’s green economy.

Focus on dual carbon targets and improve the service system-In order to strengthen the construction of the green financial system and achieve high efficiency of green governance, the bank continues to optimize the top -level design, builds the group “1+3+22+N” green development structure, and has a special green financial committee under the senior management of the head office to promote coordinated promotionThe development of green financial business.At the same time, the company’s Ministry of Finance establishes a second -level department (Green Financial Department) to set up a green finance, culture, and operation team to ensure the efficient operation of green work throughout the bank.In 2022, the Ministry of Green Finance was approved by the first batch of Green Financial Division in Chongqing, and the Yuzhong Sub -branch was approved by the first batch of green branches.In addition, the implementation of the implementation rules of the Green Financial Commission has introduced more than 20 credit systems in the group into green development related clauses, and promoted the steady development of green financial work through institutional construction.

In order to solidly promote low -carbon operations, the bank has formulated and disclosed the entire bank’s emission reduction target in the past five years, not only promoting paperless operations throughout the bank, strengthening daily energy conservation and emission reduction, but also actively promoting the use of new energy business vehicles.At the same time, the bank continues to promote the transformation of outlets, and strives to create a “green financial demonstration outlet”, and take the business hall as the main position to actively promote green low -carbon life and green financial products to improve the public’s green environmental protection and low -carbon life.understanding.It is worth mentioning that the bank’s fish -mouth data center was successfully selected into the national green data center list, and the bank also became the only financial institution on the list in Chongqing.

Relying on data integration to improve the ability of trunks–In order to comprehensively upgrade green management and continuously consolidate the digital foundation of the entire bank, the bank actively uses big data and artificial intelligence technology to realize the intelligent and fast, accurate identification and identification of green credit, and improve the efficiency of green financial recognition; establish a model of professional environmental benefits to achieve realization, realizeAutomatic calculations of environmental benefits, improve the accuracy of the environmental benefits of green loan projects; real -time interaction with business system data, realize the online management of green credit, including green credit credit management, environmental information risk monitoring, statement statistics, information management, etc.Function.

In order to comprehensively match the green enterprises, the bank uses the “Yangtze River Green Integration” green financial big data comprehensive service system of Chongqing Branch as the starting point. While providing environmental benefits, customer recognition, information reporting and other functions, it has successfully opened up the enterpriseInformation interaction channels with difficulty in financing and difficult banks have improved the adaptability of green financial supply and demand.At the same time, the green project in the “Yangtze River Green Integration” as an important consideration for the use of loan use, and the support policy for priority lending for the “Yangtze River Green Rongtong” system was issued as a green project.As of now, the bank has successfully connected 137 green enterprises through the “Yangtze River Green Railway” system, with a total credit amount of more than 15 billion yuan and a loan balance of more than 6 billion yuan.

Not only that, the bank continues to innovate green credit products, completes cleaning and renewable energy revenue loans, green power loan systems, and launching credit products such as solid waste loans, carbon distribution (quality) loans, green truck mortgage loans, and broaden enterprises to broaden enterprisesFinancing channels.At the same time, it is rich in green consumer products, issued green credit cards, and launched a preferential installment event for green cars.Build a comprehensive green financial service system covering green credit, green bonds, leasing, wealth management, consumption, investment, and other products.