Wang Qiang/Text

In recent years, Postal Savings Bank Beijing Branch has continued to explore and move forward on the road of green development, integrating green development concepts into all aspects of operation management and business development, and actively optimizing Credit structure, innovative green financial products and services, focusing on areas such as "pollution prevention and control", "energy conservation and environmental protection" and "ecological agriculture", and vigorously support the development of green, low-carbon and circular economy.

Data show that as of the end of September 2020, the balance of green loans (under the People's Bank of China) of Postal Savings Bank Beijing Branch was 34.916 billion yuan, an increase of 10.481 billion yuan or 42.89% from the end of the previous year.

Strengthening the policy orientation of green finance

In order to develop green finance, assist pollution prevention and control, and ensure that the concept of green finance takes root, Postal Savings Bank Beijing Branch has made various efforts in recent years.

In terms of organizational leadership, the bank gave full play to the core role of the party committee in taking charge of the overall situation and coordinating all parties to form a joint force. In October 2018, it established a green bank construction leading group for the first time. Multiple departments in the middle and back offices work together and work together to deepen implementation. In terms of institutional systems, the bank has integrated the concept of green credit development into its business processes by improving the relevant systems for green bank construction, and formulated and issued the "Guiding Opinions of the Postal Savings Bank of China Beijing Branch on Fighting the Fight against Pollution and Developing Green Finance" and the "Three-Year Plan for Strengthening Green Bank Construction of Postal Savings Bank of China Beijing Branch", which clarified the work goals and key work contents, and further implemented the green bank construction work to departments, branches and personnel.

First, we must realize our own “green operation”

Adhering to the concept of green development, Postal Savings Bank Beijing Branch gradually realizes green development, circular development, and low-carbon development, and effectively promotes its own green development. business.

With the advantages of paperless, low consumption and high efficiency, electronic banking has gradually become a green bank that practices low-carbon life. In recent years, by promoting the development of electronic banking, Postal Savings Bank Beijing Branch has achieved green optimization of traditional businesses, while at the same time integrating environmental protection concepts into the bank's operations and management, allowing the concept of green banking to penetrate into the subconscious minds of more employees and customers. It is understood that the Postal Savings Bank Beijing Branch has now launched multiple online channels such as personal online banking, mobile banking, and WeChat banking, and most of the traditional counter banking services have been transferred online.

In order to allow more people to participate, Postal Savings Bank Beijing Branch continues to accelerate the development of electronic banking and actively encourages and advocates customers to use electronic banking. “On the one hand, it is vigorously innovating to provide customers with faster, safer and more favorable mobile financial services and products; on the other hand, Postal Savings Bank Beijing Branch is also actively carrying out various forms of e-banking marketing activities to promote customer Use electronic banking." The relevant person in charge of the Postal Savings Bank Beijing Branch said that green banking product innovation and continuous marketing activities have enabled more and more people to actively contribute to protecting the environment.

It is understood that as of the end of September 2020, the bank's electronic banking balance customers had reached 4.86 million, accounting for 57% of the total individual customers. Behind these data is actually a direct reflection of the Postal Savings Bank Beijing Branch's vigorous promotion of green banking.

Green credit helps green companies take off

Poor financing is a major factor restricting the development of green economy. Postal Savings Bank Beijing Branch leverages its advantages in inclusive finance and continues to increase its support for green credit for small and medium-sized enterprises, focusing on financing projects related to people's livelihoods such as clean energy, energy conservation and emission reduction, sewage treatment, garbage disposal, and energy-saving services.

Beijing Capital Atmospheric Environment Technology Co., Ltd. is an environmental protection enterprise whose main business is comprehensive prevention and control services of public environmental air pollution. It provides one-stop services to regional governments, relevant departments, and large enterprises. Comprehensive air pollution prevention and control services. In 2017, the company expanded production and operations, resulting in a funding gap. However, due to the lack of collateral, financing encountered certain difficulties. After understanding the situation, the Postal Savings Bank Beijing Branch successfully issued a 10 million yuan working capital loan to the enterprise by introducing a guarantee company guarantee based on the enterprise's own operating characteristics and practical difficulties.

Regarding "green enterprises", the Postal Savings Bank Beijing Branch's attitude is clear. It must not only increase support, but also "protect" it for a long time, so that green enterprises can continue to take off, and then feed back the city's development. Ecological construction.

Product innovation supports green industries in the capital

Postal Savings Bank Beijing Branch lists hydropower, nuclear power, energy conservation and environmental protection, cultural tourism and other industries as encouraged entry categories, including thermal power, steel, coal, Non-ferrous metals and other industries are classified as prudent entry categories, clarifying the key support directions and areas of green finance, and continuing to optimize the credit structure.

Due to its low resource consumption, strong sustainability and obvious economic benefits, the cultural tourism industry has become a breakthrough in achieving green transformation. It is one of the main ways to develop green finance and has also become a postal industry. This is a major area that the Beijing Branch of the Reserve Bank of China focuses on supporting.

While continuing to increase support for green industries, the Beijing Branch of the Postal Savings Bank of China has classified restricted industries as "prudent entry categories" and follows the principles of "digesting a batch, transferring a batch, integrating a batch, and eliminating "one batch" requirements, implement differentiated credit policies, and strictly control loans to industries with "two high pollution and one excess". At the same time, the Postal Savings Bank pays close attention to the impact of industry standards such as environmental protection, energy consumption, safety, and quality as well as the elimination of backward production capacity on industrial transformation and upgrading and overcapacity industries to ensure the high quality of assets.