Source：China Guangfa Bank
Source：China Guangfa Bank
为解决小微涉农企业“融资难、融资贵”问题，广发银行阳江分行创新绿色金融产品，为企业发放“海洋碳汇预期收益结算账户+融资担保”农业贷款。这是广发银行深入贯彻落实绿色发展理念，结合阳江地区海洋经济发展特点，以“碳汇渔业”为切入点，将海水养殖藻类、贝类每年产生的减碳量远期交易收益权作为质押物。这项业务使水产养殖企业拥有的海洋蓝碳资源变成可变现的碳汇资产，使海水养殖既吸碳又吸金。此外，还通过人民银行征信中心实现高效的评估和质押，提高“碳汇渔业”企业的融资额度和操作便利。
To address the issue of "difficult and expensive financing" faced by small and micro agricultural enterprises, the Yangjiang Branch of China Guangfa Bank has innovated green financial products, providing agricultural loans in the form of "marine carbon sequestration expected income settlement account + financing guarantee" for businesses. This initiative is a thorough implementation of the green development concept by China Guangfa Bank, combining the characteristics of the marine economy in the Yangjiang region. Taking "carbon sequestration fishery" as the starting point, it uses the forward trading income rights of the annual carbon reduction generated by seaweed and shellfish aquaculture as collateral. This service transforms the marine blue carbon resources owned by aquaculture enterprises into marketable carbon sequestration assets, making seawater aquaculture both carbon-absorbing and profitable. In addition, it also achieves efficient evaluation and collateralization through the People's Bank of China Credit Reference Center, increasing the financing amount and operational convenience for "carbon sequestration fishery" enterprises.
Source: Belt and Road Initiative