Reservoir, Li River and China Construction Bank
In Xing'an County, about 60 kilometers northeast of downtown Guilin, there is a reservoir called Axe Mouth.
The reservoir was accepted in December 2017, and three months after acceptance, it began to replenish the ecological environment to the Li River.
Axe mouth reservoir is a typical urban flood control and Li River ecological water replenishment project, but also the end of the three reservoirs in the "Guilin Flood Control and Li River Water Replenishment Hub Project".
The landscape is under the heavens, and the soul is in the Li River.
As the mother river of Guilin City, the previous Li River was plagued by "flooding during the flood season, dry and waterless during the dry period". In 2002, Guilin City planned to build water conservancy projects to meet the ecological environment of the Li River, the demand for navigable traffic and the comprehensive utilization of combined power generation.
Finally, the "Guilin Flood Control and Li River Water Replenishment Hub Project" was approved, and then Guilin City started the construction of three major reservoirs: in June 2014, the lower gate of the Chuanjiang Reservoir was stored; in December 2015, the Xiaorongjiang Reservoir was filled; and the Axe mouth Reservoir was the last of the three to be completed.
The construction of the three major reservoirs is a major project in the construction history of Guilin City and even in South China, and is also a major measure to implement the central and autonomous regions to ensure growth, people's livelihood and stability.
This big country project condenses the blood and sweat of various industries and countless strivers, and expropriates more than 27,000 acres of land and relocates more than 7,700 people for the construction of the project, with a total investment of nearly 6 billion yuan.
Therefore, in addition to the construction personnel, financial institutions have also made great contributions to this project, the most representative of which is the Construction Bank.
As a large state-owned bank, CCB has played its own advantages in the project and provided financial assistance for the smooth construction of the project. After learning the details of the project, CCB Guilin Branch quickly evaluated and designed the project. Finally, through the "green channel" of green financial services, it was submitted to the head office for approval, and the approval was obtained at the first time, achieving 1.2 billion yuan of investment.
CCB Guilin Branch has always taken the ecological protection and economic development of the Li River Basin as its own responsibility, actively explored a new model of coordinated development of green finance and ecological protection of the Li River, and used the power of finance to escort the project.
In this process, CCB strengthened the linkage between parent and subsidiary companies, innovated and launched a new financial service model of "Lijiang Ecological Protection Loan", helped CCB become the preferred bank for lijiang ecological protection and restoration and upgrading projects, and created a new model of green financial services for ecological protection.
The "Li River Ecological Protection Loan" can be applied to green finance and the coordinated development of ecological protection and restoration in lakes, rivers and other fields, and maintain good ecological environment indicators.
In the specific implementation, CCB requires business departments to strengthen contact with government-led departments to obtain project information in a timely manner; at the same time, it emphasizes the linkage between parent and subsidiary companies to screen green projects that meet the requirements of CCB; and actively explores green financial service models that coordinate ecological protection, people's livelihood improvement, economic development and social progress to achieve sustainable green development.
These funds provided by CCB are spent on the "blade" - after the completion of the three major reservoirs, Guilin's flood control standards have been raised to a 100-year standard, and through joint dispatch, it can meet the requirements of 60 cubic meters per second for water use and tourism navigation flow of the ecological environment of the Li River. Among them, the average output of Axekou Reservoir is 111.41 million cubic meters, and the effective water replenishment of Guilin City is 82.56 million cubic meters, which can make the Li River have a good ecological environment, navigation conditions and natural landscape during the dry period.
By the end of April 2021, CCB Guilin Branch had invested a total of 2.03 billion yuan in loans for the ecological protection of the Li River, which not only protected the ecological functions of the Lijiang River paddy field lake, improved the ecological protection infrastructure of the Li River, but also promoted the protection and utilization of ecological resources in the Li River Basin, thus forming a service model that standardizes the long-term ecological compensation mechanism, which has good social and economic benefits.
In daily life, people may not see the financial force behind these big projects, but they can see that the mountains are greener, the water is greener, and Guilin is more beautiful, and in fact, the greenery of every mountain and the clear spring of every flood of water may have the support of green finance.
The financial "drip irrigation" behind the Gannan navel orange
Of course, the ccb's green finance area is not limited to the Li River in Guilin, but in fact they are doing similar services in Gannan, Jiangxi.
Jiangxi Ganzhou is the well-known "Gannan Navel Orange" national geographical indication product location, navel orange industry is the key agricultural industry of Ganzhou City, where there are 250,000 navel orange growers and 700,000 fruit farmers.
In 2019, the area of navel orange planting in the region reached 1.63 million mu, the planting area ranked first in the world, the output was 1.25 million tons, the annual output was the first in the country, and the total output value of the navel orange industry cluster was 13.2 billion yuan, and in 2011, "Gannan Navel Orange" was recognized as a well-known trademark in China. In the "2020 China Brand Value Evaluation Information Release" held by Xinhua Net, Gannan Navel Orange ranked first in the fruit category with a brand value of 67.834 billion yuan.
However, such a well-known national geographical indication products will also encounter many difficult problems in the production process, navel orange planting areas are located in mountain woodland, inconvenient transportation, logistics is not connected, these factors restrict the large-scale transportation and rapid sales of navel oranges, so in the cold chain transportation, logistics and distribution and other aspects need financial support.
After learning about this situation, Jiangxi Branch closely contacted the Ganzhou Fruit Industry Bureau to conduct in-depth research on the development status of the Navel Orange Industry in Gannan City, and exerted the power of "New Finance" to jointly build an "Orange Heart Orange Intention" comprehensive service platform with the Ganzhou Fruit Industry Bureau to help the high-quality development of the Navel Orange Industry in Gannan City.
On December 26, 2020, Yunongtong's "Orange Heart Orange Intention" comprehensive service platform was completed, and the "Gannan Navel Orange Loan" personal version product was also launched on the same day in Xingguo, Jeonnam and Xinfeng Pilot.
The "Orange Heart Orange Intention" integrated service platform takes farmers as the main service group, and has four functions of "I want to loan" and "quality traceability", "I want to buy oranges" and "I want to sell oranges", covering the whole industrial chain link of navel orange planting, processing, logistics and sales. At the same time, using the "Yunong Quick Loan" model of "Internet + agriculture-related big data", it provides financial and non-financial services such as loans, traceability, e-commerce and other financial services for the navel orange industry chain including 100,000 farmers in Gannan Navel Orange.
The "Gannan Navel Orange Loan" highlights the flexible and fast characteristics of financial products. Navel orange growers can complete the "Gannan Navel Orange Loan" application through electronic channels such as the CHINA Construction Bank Yunongtong APP or personal mobile banking, which is a fast and flexible loan method that is welcomed by farmers.
Through the "Orange Heart Orange Intention" and "Gannan Navel Orange Loan", CCB extended financial services to the countryside, implemented the national rural revitalization strategy and the requirements of the inclusive financial reform pilot zone, and also fulfilled the social responsibility of the state-owned large bank, at the same time, through electronic channels, CCB broke the limitations of physical outlets and expanded its social influence in agriculture and rural areas.
The financial assistance of spring wind and rain is like drip irrigation in navel orange planting, which uses a trickle to water the growth of fruit.
CCB is promoting this agricultural assistance model to the whole country, combining the different characteristics of the country and the key agricultural development industries, using the power of financial technology to resolve the common problems of insufficient collateral, narrow financing channels and high financing costs of agricultural customers, and to meet the short-term and seasonal capital needs of the majority of agricultural groups.
At present, CCB is integrating the concept of "new finance, green finance" into every inch of the motherland's landscape and land, in Lankao, Henan Province, they use finance to help environmental protection, help villagers convert straw, livestock and poultry manure into bio-natural gas; in Jiangsu, they have launched "hazardous waste loans" and "environmental protection loans" to support new hazardous waste treatment projects, as well as to support energy conservation and water conservation, ecological protection and restoration, as well as the construction, transformation and operation and maintenance of other ecological and environmental protection projects.
Today's CCB is exerting the power of "new finance and green finance" throughout the country, increasing its loan investment in the fields of energy conservation and emission reduction, clean energy, clean transportation, pollution prevention and control, and green agricultural products, which ultimately benefit the local environment and people.
With the increase of green financial power and the expansion of the scope of new financial radiation, it is believed that the mountains of the motherland are greener, the water is greener, and the melons and fruits are sweeter.