Rolling every day: patent pledge injects financial power into carbon reduction and emission reduction

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□ Our reporter Yao Hui/Wen Yu Yanfei/photographer

"Thanks for the strong support of Gaotang Rural Commercial Bank, which has provided us with such preferential loans, so that we can really enjoy the policy dividend. Our enterprise will continue to implement carbon reduction and emission reduction policies in the future." The person in charge of Shandong Gaotang Ruisheng Machinery Parts Co., Ltd. happily introduced.

This loan is the supporting fund for the transformation of the frequency furnace energy saving project of the enterprise, which can help the enterprise reduce about 3000 tons of carbon annually and save about 2 million yuan of labor costs annually.

In December 2021, the People's Bank of China Jinan Branch set up a special line of 10 billion yuan of re loans to support local corporate banks to increase green loans, focusing on supporting loans in carbon emission reduction, carbon sink and other fields. Since the introduction of the policy, Gaotang Rural Commercial Bank has improved its working mechanism, strengthened policy publicity, innovated service methods, formulated the Three Year Green Credit Strategy of Shandong Gaotang Rural Commercial Bank Co., Ltd. and the Green Credit Management Measures, and further standardized the green loan standards. The annual use plan of refinancing was formulated to promote the connection between refinancing and green finance, and transmit policy dividends to relevant enterprises. In 2022, Gaotang Rural Commercial Bank's refinancing plan will reach 900 million yuan, a record high over the years, effectively helping the first "special amount of refinancing" in Liaocheng City, Shandong Province, to be implemented in Gaotang Rural Commercial Bank.

The customer manager of Gaotang Rural Commercial Bank investigated the relevant emission reduction in Gaotang Ruisheng Machinery Parts Co., Ltd.

In view of the problems such as slow green transformation and upgrading of Gaotang County's industrial economy and weak awareness of carbon reduction, Gaotang Rural Commercial Bank issued special policies to reduce financing costs, improve the carbon reduction power of banks and enterprises, make good use of the special amount of refinancing set by Jinan Branch, and with the support of Gaotang County Branch of the People's Bank of China, apply for 7 million yuan of refinancing support. In combination with the current preferential credit policies, the "patent pledge+discount interest" loan method is adopted for enterprises, which can save about 490000 yuan of financing costs for enterprises every year.

key word: Rural Commercial Bank Patent pledge Jinan Branch