Green financial construction of BANK OF GANSURooting in the Loess Plateau's New Ecological System, Progressing towards a Green Future.

Green finance, as one of the "five major articles" in finance, is an important support for the green development of Gansu, a key force driving the green transformation of the economy, and the foundation of high-quality development. On the vast land of Long and Wei, BANK OF GANSU is using green finance as a brush to create a magnificent picture of ecological and economic coordinated development. As the main force and pioneer of local finance in our province, BANK OF GANSU actively responds to the national "dual carbon" strategy, making green finance the core engine of serving national strategy and local economy, injecting continuous financial support into the green industries of Long and Wei, and accelerating the province's progress on the path of green development. Data shows that as of the third quarter of 2025, the balance of green loans of BANK OF GANSU reached 22.838 billion yuan, with a total investment of over 24.2 billion yuan in the past three years, creating a vivid chapter of financial support for ecological priorities and green development on the land of Long and Wei. Strategic cultivation: Building the "four beams and eight pillars" of green finance BANK OF GANSU deeply understands the importance of green finance for the sustainable development of the local economy, and has made it an important strategic direction, forming a complete system. At the top-level design, the bank has formulated detailed plans for the development of green finance, clarifying the development goals, key areas, and implementation paths of green finance business. The head office has set up a green finance department, formulated policies such as "Green Credit Policy" and "Green Finance Bond Fund Management Measures," established a green credit management system covering the head office and branches, and implemented green loans with full process identification and record-keeping. In terms of guidance and implementation, BANK OF GANSU has issued the "Corporate Lending Business Manual" and the "Action Plan for Green Finance Work of BANK OF GANSU," guiding institutions to optimize their credit structures and support the high-quality development of the green low-carbon industry. The joint credit approval department has established a credit project incubation center to concentrate on the incubation of key new energy projects and support the construction of key new energy projects. In terms of standardized management, BANK OF GANSU has completed the collection and entry of data and materials related to ESG reports of listed companies to ensure the completeness and accuracy of data collection on the ESG information management platform. It has completed the ESG report on schedule and disclosed environmental information of financial institutions as required. According to the requirements of the "Implementation Measures for the Performance Evaluation of Green Credit Business of Deposit-taking Financial Institutions in Gansu Province (Trial)," it has established a quarterly self-assessment mechanism, continuously solidifying the basic data of green loans by self-checking the implementation of national green development policies, the special statistical system for green loans, and other key aspects. In terms of policy execution, BANK OF GANSU strictly benchmarks the "Guidance on Building a Green Financial System" issued by the China Banking Regulatory Commission and other seven ministries, embedding green credit standards into the entire credit approval process. The Lanzhou New Area Branch has carried out carbon accounting report preparation and cooperated with regulatory agencies to complete environmental and climate risk stress testing, taking the lead in establishing a climate risk management framework within the province. This "institution-first, risk-controllable" strategy lays a solid foundation for the sustainable development of green finance business. Precision irrigation: Building a "financial engine" for the new energy industry BANK OF GANSU focuses on the resource endowment of Gansu as a "province abundant in wind and solar resources," channeling credit resources towards the entire new energy industry chain. Through list management, it precisely supports key industry areas, continuously expanding the breadth and depth of financial services for the green industry. Weiyuan County in Dingxi City is rich in wind energy resources and has high development and utilization value. The "100,000-kilowatt wind power project in Weiyuan County" was approved by the Development and Reform Commission of Dingxi City. BANK OF GANSU immediately contacted the development and reform department and obtained project information. After the preliminary procedures of the project were completed, BANK OF GANSU took the initiative to contact the project implementer, China National Energy Investment Group Xinjiang Energy Chemical Gansu Xinjiang Energy Company, and after understanding the financing needs of the project construction, they visited the headquarters of Gansu Xinjiang Energy Company several times to introduce the bank's new energy loan policy. Gansu Xinjiang Energy Company provided project information and loan applications to BANK OF GANSU, and the two parties cooperated comprehensively. After receiving the credit information, BANK OF GANSU organized core customer managers to quickly and efficiently organize information, conduct on-site investigations, write reports, and tailor financing plans based on the actual situation of the wind power project to meet the project's individual needs. To optimize the approval process and improve business efficiency, the head office of BANK OF GANSU has established a major project incubation center, with the "100,000-kilowatt wind power project in Weiyuan County" becoming the first project to be incubated in the center. Various departments of BANK OF GANSU cooperated closely, and the Gansu Xinjiang Energy Weiyuan Xinneng Company credit business was approved at the fastest speed, with a successful loan of 62.8 million yuan for the "100,000-kilowatt wind power project in Weiyuan County." In addition, with the strong support and guidance from the People's Bank of China Gansu Branch and the support of the head office's key project incubation center, various departments cooperated, successfully applying for the first phase of "carbon emission reduction" support tools business in Zhangye Branch and Dingxi Branch, totaling 125 million yuan. By focusing on key customer lists and actively seizing the policy opportunity for "carbon emission reduction" support tools, BANK OF GANSU has successfully applied for a total of 305 million yuan in People's Bank of China funding for carbon emission reduction support tools. Innovative breakthroughs: Solving the "last mile" of green financing Difficulty in financing and collateral is a common problem and confusion for small and medium-sized enterprises. In response to the common problem of insufficient collateral faced by green enterprises, BANK OF GANSU continuously innovates and optimizes financial products and services based on the characteristics and needs of different green industries, creating a diversified green financial product credit system. In the clean energy sector, BANK OF GANSU has launched unique credit products such as "Unlimited Wind and Solar Loan." Gansu is an important energy base in China with abundant wind energy and CECEP Solar Energy resources. The bank actively supports the construction of wind power and photovoltaic power generation projects, providing medium and long-term project loans to related enterprises to meet their large-scale funding needs. For the energy conservation and environmental protection industry, BANK OF GANSU has launched the "Energy-saving Loan." This product mainly targets enterprises in the fields of energy-saving technology R&D, energy-saving equipment manufacturing, and energy-saving services, providing them with working capital loans and project loans. By supporting the development of energy conservation and environmental protection enterprises, it promotes the transformation of traditional industries in Gansu towards energy conservation and emission reduction, improving energy utilization efficiency. A certain energy-saving equipment manufacturing enterprise has expanded its production scale with the help of the "Energy-saving Loan," developed more efficient energy-saving products, not only enhancing its own competitiveness but also driving the green development of the upstream and downstream industrial chain. In the field of green agriculture, BANK OF GANSU has innovatively launched the "Ecological Agricultural Loan." Combining with the characteristic agricultural industries of Gansu, such as traditional Chinese medicinal materials planting, apple planting, and cattle and sheep breeding, the bank provides financial services to enterprises and farmers engaged in green agricultural production, processing, and sales. By supporting the development of green agriculture, it not only promotes the increase in farmers' income but also improves the ecological environment of agriculture. For example, a cooperative engaged in planting traditional Chinese medicinal materials has been provided with a loan to help them adopt organic planting techniques, reduce the use of pesticides and fertilizers, improve the quality of traditional Chinese medicinal materials, and achieve a win-win situation of ecological and economic benefits. As of September 30, 2025, according to the green loan caliber of the People's Bank of China, the balance of green loans of BANK OF GANSU reached 22.838 billion yuan, with a total investment of 4.763 billion yuan in green loans since the beginning of the year, a net increase of 3.433 billion yuan from the beginning of the year, and a completion rate of 137.32%, with a growth rate of 17.69%. Ecological construction: The "Gansu model" of green finance BANK OF GANSU has built a full-chain green financial ecosystem through "project library + incubation center + scene integration." The head office regularly sends lists of green projects in Gansu Province and distributed photovoltaic projects for entire counties to branch institutions, improving the efficiency of project acquisition. In terms of service scenarios, the bank deeply integrates green finance with rural revitalization, providing special loans for projects such as the livestock industry chain in Linxia and the planting of traditional Chinese medicinal materials in Longnan. In terms of digital transformation, BANK OF GANSU has built an "online second bank" and launched online products such as "Micro e-Loan" and "Tax e-Loan." By using blockchain technology to trace the entire process of green bond fund flow, and optimizing green project risk assessment through big data models, the bank has greatly shortened the loan approval process. This "technology empowerment + scene innovation" model significantly improves the coverage and penetration of green financial services. From the ecological restoration of the Yellow River basin to the innovative practices of circular agriculture, BANK OF GANSU, with professional financial services and systematic strategic layout, is promoting Gansu's transformation from a "resource-rich province" to a "strong green province." In the future, BANK OF GANSU will integrate into the national strategic layout with a higher political position, focusing on the "dual carbon" goals and the requirements of ecological protection in the Yellow River basin, focusing on key areas such as clean energy, ecological restoration, and green infrastructure, driving transformation and upgrading with innovative wisdom, demonstrating financial responsibility in protecting the green waters and green mountains of Long and Wei, contributing more financial strength to paint a new beautiful picture for Gansu, and injecting strong momentum into the practice of China's modernization in Gansu.