From "One-Day Completion" to "Turning Green into Gold"

Xinhua News Agency Beijing, April 7 — Luzhou, located upstream of the Yangtze River, is a core area for building Sichuan Province’s ecological barrier. How can financial power be deeply integrated into ecological protection? Under the guidance of the People’s Bank of China Luzhou Branch, the Luzhou City Branch of Postal Savings Bank of China has focused on the “Biodiversity Financial Catalog (Trial)” and made precise efforts in three major areas: building material transformation, water transportation, and forestry planting. They have explored a collaborative path of “emission reduction + ecological protection + industrial upgrading,” turning green finance from concept into practice, from blueprint into tangible results.

Breaking the Barrier in Building Material Transformation: A Loan Accelerated to “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 has been hesitant due to funding bottlenecks. Postal Savings Bank staff, during visits, keenly captured the company’s financing needs and quickly tailored a “Private Investment Special Guarantee Plan + Biodiversity Finance” solution for them.

Relying on close cooperation with Xinglu Financing Guarantee Group, the bank established a “Pre-approval and Filing + Online Risk Control + Green Channel” model, completing the application and disbursement in just one day, successfully issuing the city’s first, and one of the province’s first, 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.”

This loan not only provides a replicable example of “transformation finance + biodiversity finance” for the building materials 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 during industrial upgrading.

Setting Sail in Water Transportation: Solving the Financing Difficulties of “Light Assets”

Water transportation is an important support for Luzhou’s port economy but has long faced financing dilemmas of “light assets and insufficient collateral,” especially as shipbuilding lacks property rights and thus cannot easily obtain credit support. How to safeguard enterprise development while protecting the Yangtze River’s aquatic ecology? Postal Savings Bank provides an answer with “Biodiversity + Transformation Financial Innovation.”

During visits to a shipping company, the bank learned that the company planned to build new ships and intended to use ship collateral for financing. The bank customized a comprehensive “Credit + Ship Collateral + Biodiversity” plan, applied to the head office to open “ship collateral” business rights, and successfully approved a credit line of 3 million yuan through the online “Micro Loan Easy” credit model in less than two days. Meanwhile, the ship collateral loan process linked to biodiversity is also rapidly advancing.

This model addresses 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, helping to reduce the impact of shipping on Yangtze River aquatic life and watershed ecology, with risk controllability and replicable modes.

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 Forests” project is both an ecological engineering 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 reach.

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. Postal Savings Bank, focusing on “government procurement contract pledge,” combined with exclusive policies for first-time borrowers, embedded biodiversity financial evaluation systems, and innovatively built a “Order Pledge + First Loan Green Channel + Ecological Value Credit Enhancement” credit model, successfully granting the company 200k yuan in credit, 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, expanding the coverage of first-time borrowers and opening 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 materials industry, to “Credit + Ship Collateral” in water transportation, and then to “Government Procurement + First Loan” in forestry ecology, Postal Savings Bank Luzhou Branch exemplifies these three innovative practices, vividly illustrating typical models of “transformation finance + biodiversity finance.”

The Luzhou Branch of Postal Savings Bank states that in the future, they will continue to fulfill the responsibilities of a state-owned major bank, deepen product innovation, and excel in financial services such as technological finance, green finance, inclusive finance, pension finance, and digital finance—“the five big articles”—to use financial “living water” to precisely irrigate green industry clusters like port economy, emission reduction, and ecological governance, helping Luzhou to steadily advance on the path of coordinated biodiversity protection and economic development. (Economic Information Daily reporter Xiang Jiaying)