Data shows that, as of the third quarter of 2025, the balance of green loans at Gansu Bank reached 22.838 billion yuan, with over 24.2 billion yuan issued cumulatively in the past three years, writing a vivid chapter of financial support for ecological priority and green development on the Longyuan land.
As one of the 'five key articles' in finance, green finance is an important pillar supporting green development in Gansu, a significant force driving economic green transformation, and the hallmark of high-quality development. On the vast expanse of Longyuan land, Gansu Bank is using green finance as its pen to draw a brilliant picture of ecological and economic synergy. As the mainstay and pioneer of local finance in the province, Gansu Bank actively responds to the national 'dual carbon' strategy by innovating financial products and optimizing service models, making green finance the core engine for serving national strategies and local economies. It continuously injects financial vitality into green industries in Longyuan, accelerating the province's progress on the path of green development.
According to Zhitong Finance APP, data shows that, as of the third quarter of 2025, the balance of green loans at Gansu Bank reached 22.838 billion yuan, with over 24.2 billion yuan issued cumulatively in the past three years, writing a vivid chapter of financial support for ecological priority and green development on the Longyuan land.
Strategic Deepening: Building the 'Four Pillars and Eight Beams' of Green Finance
Gansu Bank profoundly recognizes the importance of green finance for the sustainable development of the local economy, positioning it as a key strategic direction and forming a comprehensive system.
At the top-level design level, the bank has formulated a detailed green finance development plan, clarifying the development goals, key areas, and implementation pathways for green finance operations. The head office established a Green Finance Department, issuing policies such as the 'Green Credit Policy' and the 'Management Measures for the Use of Green Financial Bond Proceeds,' establishing a green credit management system covering headquarters and branches to achieve full-process identification and recording of green loans.
At the implementation guidance level, Gansu Bank issued the 'Corporate Credit Business Work Manual' and the 'Action Plan for Promoting Green Finance Work at Gansu Bank,' guiding institutions to optimize their credit structure and promote the high-quality development of green and low-carbon industries. In collaboration with the Credit Approval Department, a credit project incubation center was established to centrally nurture key new energy projects, focusing on supporting major new energy infrastructure initiatives.
At the standardized management level, Gansu Bank completed the collection and entry of relevant data and materials for the company’s ESG report, ensuring complete and accurate data collection on the ESG information management platform. The ESG report was prepared and disclosed as required, including environmental information disclosures by financial institutions. Strictly adhering to the 'Detailed Rules for the Evaluation of Green Credit Performance of Deposit-taking Financial Institutions in Gansu Province (Trial),' the bank established a quarterly self-assessment mechanism to continuously strengthen foundational green loan data through self-inspections on the implementation of national green development policies and the special statistical system for green loans.
At the policy implementation level, Gansu Bank strictly aligned itself with the 'Guidance on Establishing a Green Financial System' issued by the People's Bank of China and six other ministries, embedding green credit standards into the entire credit approval process. The Lanzhou New Area branch conducted carbon accounting reports and collaborated with regulatory agencies to complete environmental and climate risk stress tests, becoming the first in the province to establish a climate risk management framework. This 'institution-first, risk-controlled' strategy lays a solid foundation for the sustainable development of green finance operations.
Precision Drip Irrigation: Building a 'Financial Engine' for the New Energy Industry
Gansu Bank focuses on the resource endowment of Gansu as a 'province rich in wind and solar energy,' channeling credit resources towards the entire new energy industrial chain. By implementing list-based management, it provides precise support to key industries and sectors, continuously expanding the breadth and depth of financial services for the green industry.
Weiyuan County in Dingxi City is rich in wind energy resources with high development and utilization value. The '100 MW Weiyuan Wind Power Project' obtained approval from the Dingxi Development and Reform Commission. Gansu Bank promptly engaged with the local development and reform department to acquire project information. After the completion of preliminary procedures, Gansu Bank proactively contacted the project implementer, State Power Investment Group Xinjiang Energy Chemical Gansu Jiangneng Company. Upon understanding the project’s financing needs, the bank made multiple visits to the headquarters of Gansu Jiangneng Company to introduce its new energy loan policies. Gansu Jiangneng Company provided project materials and submitted a loan application to Gansu Bank, leading to the full launch of their cooperation. After receiving the credit materials, Gansu Bank organized key account managers to efficiently compile documents, conduct field investigations, and draft reports. Based on the actual conditions of the wind power project, the bank customized a financing solution to meet the project's specific requirements.
To optimize the approval process and improve operational efficiency, Gansu Bank established a Major Projects Incubation Center at its headquarters. The loan for the '100 MW Weiyuan Wind Power Project' became the first project to be housed in the incubation center. Multiple departments of Gansu Bank closely collaborated to swiftly approve the credit facility for Gansu Jiangneng WeiYuan New Energy Company, successfully disbursing a loan of 62.8 million yuan for the '100 MW Weiyuan Wind Power Project.'
Moreover, with the strong support and guidance of the Lanzhou Branch of the People's Bank of China and the headquarters' Key Projects Incubation Center, relevant departments worked together to successfully apply for the first phase of 'Carbon Emission Reduction' support tool business worth 125 million yuan for the Zhangye Branch and Dingxi Branch. Additionally, by reviewing lists of key customer groups, the bank focused on expanding into strategic areas such as new energy and actively seized the policy opportunity of the 'Carbon Emission Reduction' support tool. It cumulatively secured carbon emission reduction support funds from the People's Bank amounting to 305 million yuan.
Innovative Breakthrough: Solving the 'Last Mile' of Green Financing
Financing difficulties and collateral challenges are common issues faced by small and medium-sized enterprises (SMEs). To address the insufficient collateral often encountered by green enterprises, Gansu Bank has been innovating and optimizing financial products and services based on the characteristics and needs of different green industries, creating a diversified green finance credit product system.
In the clean energy sector, Gansu Bank launched specialized credit products such as 'Unlimited Wind and Solar Loan.' As an important energy base in China, Gansu is abundant in wind and solar energy resources. The bank actively supports wind power and photovoltaic power generation projects, providing long-term project loans to related enterprises to meet their large-scale funding needs.
For the energy conservation and environmental protection industry, Gansu Bank introduced the 'Energy Saving Loan.' This product primarily serves enterprises in fields such as energy-saving technology research and development, energy-saving equipment manufacturing, and energy-saving services, offering working capital loans and project loans. By supporting the growth of energy conservation and environmental protection enterprises, the bank promotes energy-saving and emission-reduction upgrades in traditional industries in Gansu and improves energy utilization efficiency. For instance, one energy-saving equipment manufacturer expanded production scale and developed more efficient energy-saving products through the 'Energy Saving Loan,' not only enhancing its competitiveness but also driving the green development of upstream and downstream industrial chains.
In the green agriculture sector, Gansu Bank innovatively launched the 'Eco-Agriculture Loan.' Tailored to Gansu’s characteristic agricultural industries, such as Chinese medicinal herb cultivation, apple farming, and cattle and sheep breeding, it 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 increases farmers’ income but also improves the ecological environment of agriculture. For example, a loan was provided to a Chinese medicinal herb cooperative, enabling it to adopt organic farming techniques, reduce pesticide and fertilizer use, enhance herb quality, and achieve a win-win outcome in ecological and economic benefits.
As of September 30, 2025, according to the People's Bank of China’s green loan standards, Gansu Bank’s green loan balance stood at 22.838 billion yuan. Since the beginning of this year, it has cumulatively disbursed 4.763 billion yuan in green loans, achieving a net increase of 3.433 billion yuan compared to the beginning of the year. Its annual task completion rate reached 137.32%, with a growth rate of 17.69%.
Ecosystem Construction: The 'Gansu Bank Paradigm' of Green Finance
Through the model of 'project database + incubation center + scenario integration,' Gansu Bank has established a full-chain green finance ecosystem. The head office regularly pushes lists such as the Gansu Province green project database and county-wide distributed photovoltaic projects to its branches, enhancing project acquisition efficiency.
In terms of service scenarios, the bank has deeply integrated green finance with rural revitalization, providing specialized loans for projects such as the Linxia cattle and sheep industry chain and Longnan's traditional Chinese medicine planting.
In digital transformation, Gansu Bank has built an 'online second bank,' launching online products such as 'Micro-e Loan' and 'Tax-e Loan.' Through blockchain technology, it achieves full-process traceability of green bond fund flows and uses big data models to optimize risk assessments for green projects, significantly reducing loan approval times. This 'technology empowerment + scenario innovation' model has notably enhanced the coverage and penetration rate of green financial services.
From ecological restoration in the Yellow River Basin to innovative practices in circular agriculture, Gansu Bank is driving Gansu’s transformation from a 'resource-rich province' to a 'green powerhouse' through professional financial services and systematic strategic planning.
In the future, Gansu Bank will integrate into the national strategic landscape with a higher political perspective, closely adhering to the 'dual carbon' goals and the ecological protection requirements of the Yellow River Basin. It will focus on key areas such as clean energy, ecological restoration, and green infrastructure, using innovative intelligence to drive transformation and upgrading. By safeguarding Gansu's green mountains and clear waters, the bank will demonstrate financial responsibility and contribute greater financial strength to painting a new picture of a beautiful Gansu, injecting robust momentum into advancing Gansu's practice of Chinese modernization.