色人阁第四色 中国区域性银行的征象金融实施

现时，环球气温正以工业创新以来最快的增幅捏续攀升。征象变化已对环球生态系统就业功能、东说念主类健康福祉及经济可捏续发展组成系统性威迫。动作环球主要温室气体排放国、经济强国以及清洁动力产业链的紧迫要害，中国在环球征象治理中承担着要害脚色。为结束2060年碳中庸设想，中国亟需构建与动力结构转型、产业低碳升级相匹配的金融解救体系。

在征象金融基金(Climate Finance Fund，简称CFF)的解救下，妙盈科技磋磨团队以《中国区域性银行的征象金融实施》(“Climate Finance Practices of Regional Banks in China”)为主题，重心分析了以城商行、农商行及村镇银步履代表的区域性银行参与征象金融的近况，并计议了其业务特征和阛阓定位对征象金融参与度的影响机制。

区域性银行，征象金融新引擎

长期以来，国有大型贸易银行在传统征象融资领域占据主导地位，但跟着战术的纵深鼓舞和监管框架的逐步完善，区域性金融机构正通过各别化发展旅途拓展征象金融业务疆域。磋磨涌现，这些机构凭借其靠拢所在经济、熟悉腹地阛阓的上风，积极布局绿色金融业务，通过量质并举的实施，成为推动中国绿色金融体系树立的紧迫力量。以城商行、农商步履代表的中小银步履例，其绿色信贷界限在宇宙总量中占比可不雅，更在“绿色+普惠”金融产物创新方面走在前方。

挑战与机遇并存

尽管区域性银行在征象金融领域获取了显耀进展，但仍面对诸多挑战，相对传统的战术监管、风险评估框架、以及因征象有关物理风险加重的流动性压力等，皆铁心着它们的发展后劲。但是，这些挑战也带来了机遇。区域性银行就业的好多对象是中小企业和家庭，这些群体恰是新兴经济体的活力起源。破解这些阻难不仅有意于金融机构发展，更能为中小企业和个东说念主投资者创造绿色投资契机，加快中国经济低碳转型。

战术解救与创新旅途

为破解区域性银行面对的阻难，战术制定者、监管机构和银行自己需要协同发力。一方面，应赋予这些机构更智能的器用和羼杂金融机制，匡助它们提高风险照顾和资金运作才调；另一方面，需要建立合适性更强的监管框架，饱读动创新，为区域性银行的征象金融业务提供更盛大的发展空间。

此外，区域性银行自己也需束缚提高专科才调，加强征象风险照顾，创新金融产物和就业模式。举例，通过大数据、东说念主工智能等技能妙技，优化绿色样式评估和资金投放历程，提高金融就业的精确度和后果。

环球视线下的中国机灵

动作国内首批聚焦区域性中小银行征象行为的磋磨领路之一，《中国区域性银行的征象金融实施》不仅为构建中国本性的绿色金融体系提供了紧迫参考，也为环球发展中国度探索包容性征象融资旅途孝敬了中国机灵。区域性银行既是征象风险的径直承受者，亦然绿色机遇的紧迫传递者。它们的独有价值亟待被更多东说念主疼爱。

在环球绿色转型的大潮中，中国区域性银行正以本色行为讲解着金融的力量。它们不仅为中小企业和个东说念主投资者创造了绿色投资契机，更为中国经济的低碳转型加快助力。

色哥哥

将来，跟着战术的束缚完善和阛阓环境的捏续优化，区域性银行必将在征象金融领域透露更大的作用，为环球可捏续发展孝敬更多力量。

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对于妙盈科技

妙盈科技创办于2017年，勤勉于用东说念主工智能科罚款融机构、企业、政府和个东说念主面对的可捏续发展、征象变化、碳中庸以及社会包袱方面的挑战。

妙盈科技动作亚洲跳动的可捏续发展技能和就业提供商，其全面秘籍的ESG与绿色企业数据库，匡助金融机构在绿色金融、绿色信贷和包袱投资方面作念出正确方案；其自主研发的多个技能软件平台可匡助企业进行ESG信息汇注与袒露、照顾供应链与投资组合ESG透露、改善动力后果、排查、分析和减少碳排放；其纯属的个东说念主碳普惠小步履打造具有环保意志的社群，饱读动公民践行低碳生涯形式。

现在，妙盈科技在上海、北京、深圳、香港和新加坡设有办公室。其环球有名投资者包括真格基金、维港投资、TOM集团、穆迪集团、汇丰银行、国泰君安海外、GIC、摩根大通钞票照顾和波士顿投资。

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Climate Finance Practices of Regional Banks in China

As global temperatures rise at unprecedented rates， the devastating impacts of climate change reverberate across ecosystems， economies， and communities worldwide. China’s role in this crisis—and its solution—is pivotal. As the world’s largest greenhouse gas emitter， a linchpin in global clean technology supply chains， and an economic superpower committed to carbon neutrality by 2060， China’s ability to finance its energy and industrial transition will shape the planet’s climate future. While much attention has focused on national policies and megabanks， a transformative shift is quietly emerging: regional banks are stepping into the spotlight as critical players in climate finance.

Our latest report uncovers how these lesser-known institutions—city and rural commercial banks—are driving climate action from the ground up. Despite their smaller scales， they collectively hold a significant share of China’s green finance assets， pioneering innovations that merge green financing with inclusive strategies tailored to local needs. From funding solar micro-projects for SMEs to issuing green bonds for sustainable agriculture， these banks are proving that climate finance isn’t just the domain of large institutions. Yet their potential remains constrained by systemic challenges: outdated risk-assessment frameworks， regulatory hurdles， and liquidity pressures exacerbated by climate-related physical risks.

The stakes extend far beyond China. Regional banks serve millions of SMEs and households—the engines of emerging economies—making their success a blueprint for inclusive climate finance globally. For policymakers and regulators， the objective is clear: empower these institutions with smarter tools， blended finance mechanisms， and adaptive regulations to unlock their full potential.

This pioneering study， among the first to analyze regional banks’ climate roles， offers actionable insights for building a resilient， equitable net-zero future. The question is no longer whether regional banks matter， but how quickly stakeholders can act to scale their impact.

Acknowledgments

We would like to thank the Climate Finance Fund (CFF)， a philanthropic platform desiccated to mobilizing capital for climate solutions， for its support of this report. The working group also extends gratitude to Marilyn Waite and Yubai Wu for their kind help and valuable suggestions throughout the research process.

Download the Full Report

https://www.miotech.com/en-US/article/237

About MioTech

MioTech uses artificial intelligence to solve the sustainability， climate change， carbon emissions reduction， and social responsibility challenges faced by financial institutions， corporations， governments and individuals.

As Asia's leading sustainability data and technology provider， MioTech’s ESG data and analytics help financial institutions make the right decisions in green finance， sustainability-linked lending and investments. Its software enables businesses to collect， analyze， report ESG performance across supply chains， subsidiaries， portfolio companies， and helps improve energy efficiency and reduce carbon emissions. Its app builds green-conscious communities and promotes low-carbon lifestyles.

Founded in Hong Kong， MioTech also has offices in Shanghai， Beijing， Shenzhen and Singapore. Its world-renowned investors include ZhenFund， Horizons Ventures， TOM Group， Moody's， HSBC， Guotai Junan International， GIC， J.P. Morgan Asset Management， and B Capital.

Official Website: https://www.miotech.com/en-US

Contact: info@miotech.com; pr@miotech.com色人阁第四色