De "resolución en un día" a "convertir en oro lo que se vuelve verde"

Xinhua News Agency Beijing, April 7 — 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 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 Accelerating “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 funding bottlenecks. Bank staff, during visits, keenly captured the company’s financing needs and quickly tailored a plan combining “private investment special guarantee + biodiversity finance.”

Relying on close cooperation with Xinglu Financing Guarantee Group, the bank established a model of “pre-approval and filing + online risk control + green channel,” and from application to disbursement took only one day. They successfully issued 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 of China 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 plan of “credit + ship mortgage + biodiversity,” applied to the higher-level bank for “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. It helps reduce the impact of shipping on aquatic life and basin ecology in the Yangtze River, achieving risk controllability and a replicable model.

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. The bank uses “government procurement contract pledge” as a core approach, combined with exclusive policies for first-time borrowers, embedded in the biodiversity finance evaluation system, and innovatively constructs a “contract pledge + first loan green channel + ecological value credit enhancement” model. It successfully granted a 200,000 yuan credit line to the company, filling the liquidity gap and ensuring smooth progress of government procurement projects.

This “government procurement loan + first loan + biodiversity finance” linkage model effectively transforms “government procurement credit” and “ecological value” into financial assets. It not only expands the coverage of first-time borrowers but also opens a replicable financing path for Sichuan’s ecological service small micro enterprises, making “green water and lush mountains” truly become “gold and silver mountains.”

From the “one-day processing” in the building material industry, to “credit + ship mortgage” in water transportation, and then to “government procurement + first loan” in forestry ecology, Postal Savings Bank of China Luzhou branch exemplifies these three innovative practices, vividly illustrating typical samples 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 major bank, deepen product innovation, and excel in financial sectors such as technological finance, green finance, inclusive finance, pension finance, and digital finance—“the five big articles.” They will use 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 biodiversity protection and economic development. (Economic Reference Reporter Xiang Jiaying)