中国区域性银行的气候金融实践

当前，全球气温正以工业革命以来最快的增幅持续攀升。气候变化已对全球生态系统服务功能、人类健康福祉及经济可持续发展构成系统性威胁。作为全球主要温室气体排放国、经济强国以及清洁能源产业链的重要枢纽，中国在全球气候治理中承担着关键角色。为实现2060年碳中和目标，中国亟需构建与能源结构转型、产业低碳升级相匹配的金融支持体系。

在气候金融基金(Climate Finance Fund，简称CFF)的支持下，妙盈科技研究团队以《中国区域性银行的气候金融实践》(“Climate Finance Practices of Regional Banks in China”)为主题，重点分析了以城商行、农商行及村镇银行为代表的区域性银行参与气候金融的现状，并探讨了其业务特征和市场定位对气候金融参与度的影响机制。

区域性银行，气候金融新引擎

长期以来，国有大型商业银行在传统气候融资领域占据主导地位，但随着政策的纵深推进和监管框架的逐步完善，区域性金融机构正通过差异化发展路径拓展气候金融业务版图。研究显示，这些机构凭借其贴近地方经济、熟悉本地市场的优势，积极布局绿色金融业务，通过量质并举的实践，成为推动中国绿色金融体系建设的重要力量。以城商行、农商行为代表的中小银行为例，其绿色信贷规模在全国总量中占比可观，更在“绿色+普惠”金融产品创新方面走在前列。

挑战与机遇并存

尽管区域性银行在气候金融领域取得了显著进展，但仍面临诸多挑战，相对传统的政策监管、风险评估框架、以及因气候相关物理风险加剧的流动性压力等，都限制着它们的发展潜力。然而，这些挑战也带来了机遇。区域性银行服务的很多对象是中小企业和家庭，这些群体正是新兴经济体的活力源泉。破解这些障碍不仅有利于金融机构发展，更能为中小企业和个人投资者创造绿色投资机会，加速中国经济低碳转型。

政策支持与创新路径

为破解区域性银行面临的障碍，政策制定者、监管机构和银行自身需要协同发力。一方面，应赋予这些机构更智能的工具和混合金融机制，帮助它们提升风险管理和资金运作能力；另一方面，需要建立适应性更强的监管框架，鼓励创新，为区域性银行的气候金融业务提供更广阔的发展空间。

此外，区域性银行自身也需不断提升专业能力，加强气候风险管理，创新金融产品和服务模式。例如，通过大数据、人工智能等技术手段，优化绿色项目评估和资金投放流程，提高金融服务的精准度和效率。

全球视野下的中国智慧

作为国内首批聚焦区域性中小银行气候行动的研究报告之一，《中国区域性银行的气候金融实践》不仅为构建中国特色的绿色金融体系提供了重要参考，也为全球发展中国家探索包容性气候融资路径贡献了中国智慧。区域性银行既是气候风险的直接承受者，也是绿色机遇的重要传递者。它们的独特价值亟待被更多人重视。

在全球绿色转型的大潮中，中国区域性银行正以实际行动诠释着金融的力量。它们不仅为中小企业和个人投资者创造了绿色投资机会，更为中国经济的低碳转型加速助力。

未来，随着政策的不断完善和市场环境的持续优化，区域性银行必将在气候金融领域发挥更大的作用，为全球可持续发展贡献更多力量。

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关于妙盈科技

妙盈科技创办于2017年，致力于用人工智能解决金融机构、企业、政府和个人面临的可持续发展、气候变化、碳中和以及社会责任方面的挑战。

妙盈科技作为亚洲领先的可持续发展技术和服务提供商，其全面覆盖的ESG与绿色企业数据库，帮助金融机构在绿色金融、绿色信贷和责任投资方面做出正确决策；其自主研发的多个技术软件平台可帮助企业进行ESG信息收集与披露、管理供应链与投资组合ESG表现、改善能源效率、排查、分析和减少碳排放；其成熟的个人碳普惠小程序打造具有环保意识的社群，鼓励公民践行低碳生活方式。

目前，妙盈科技在上海、北京、深圳、香港和新加坡设有办公室。其全球知名投资者包括真格基金、维港投资、TOM集团、穆迪集团、汇丰银行、国泰君安国际、GIC、摩根大通资产管理和波士顿投资。

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Climate Finance Practices of Regional Banks in China

As global temperatures rise at unprecedented rates, the devastating impacts of climate change reverberate across ecosystems, economies, and communities worldwide. China’s role in this crisis—and its solution—is pivotal. As the world’s largest greenhouse gas emitter, a linchpin in global clean technology supply chains, and an economic superpower committed to carbon neutrality by 2060, China’s ability to finance its energy and industrial transition will shape the planet’s climate future. While much attention has focused on national policies and megabanks, a transformative shift is quietly emerging: regional banks are stepping into the spotlight as critical players in climate finance.

Our latest report uncovers how these lesser-known institutions—city and rural commercial banks—are driving climate action from the ground up. Despite their smaller scales, they collectively hold a significant share of China’s green finance assets, pioneering innovations that merge green financing with inclusive strategies tailored to local needs. From funding solar micro-projects for SMEs to issuing green bonds for sustainable agriculture, these banks are proving that climate finance isn’t just the domain of large institutions. Yet their potential remains constrained by systemic challenges: outdated risk-assessment frameworks, regulatory hurdles, and liquidity pressures exacerbated by climate-related physical risks.

The stakes extend far beyond China. Regional banks serve millions of SMEs and households—the engines of emerging economies—making their success a blueprint for inclusive climate finance globally. For policymakers and regulators, the objective is clear: empower these institutions with smarter tools, blended finance mechanisms, and adaptive regulations to unlock their full potential.

This pioneering study, among the first to analyze regional banks’ climate roles, offers actionable insights for building a resilient, equitable net-zero future. The question is no longer whether regional banks matter, but how quickly stakeholders can act to scale their impact.

Acknowledgments

We would like to thank the Climate Finance Fund (CFF), a philanthropic platform desiccated to mobilizing capital for climate solutions, for its support of this report. The working group also extends gratitude to Marilyn Waite and Yubai Wu for their kind help and valuable suggestions throughout the research process.

Download the Full Report

https://www.miotech.com/en-US/article/237

About MioTech

MioTech uses artificial intelligence to solve the sustainability, climate change, carbon emissions reduction, and social responsibility challenges faced by financial institutions, corporations, governments and individuals.

As Asia's leading sustainability data and technology provider, MioTech’s ESG data and analytics help financial institutions make the right decisions in green finance, sustainability-linked lending and investments. Its software enables businesses to collect, analyze, report ESG performance across supply chains, subsidiaries, portfolio companies, and helps improve energy efficiency and reduce carbon emissions. Its app builds green-conscious communities and promotes low-carbon lifestyles.

Founded in Hong Kong, MioTech also has offices in Shanghai, Beijing, Shenzhen and Singapore. Its world-renowned investors include ZhenFund, Horizons Ventures, TOM Group, Moody's, HSBC, Guotai Junan International, GIC, J.P. Morgan Asset Management, and B Capital.

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