Emissions rights mortgage loan: green finance “loans” drive green development
From January to July this year, Keqiao District enterprises obtained loans of 5.41 billion yuan through the mortgage of wastewater discharge rights, in order to promote energy conservation and emission reduction and green and low-carbon development Financial protection is provided.
Against the background of the continued tightening of national environmental protection policies, printing and dyeing enterprises need to invest a lot of money to introduce advanced equipment , to meet the requirements of energy conservation and emission reduction. However, the long-standing “financing difficulty” problem has always hindered the development and transformation of printing and dyeing enterprises. Innovative methods such as the mortgage of the remaining emission rights and third-party mortgages allow enterprises to mortgage their unmortgaged emission indicators to obtain loans, opening up a low-cost, market-oriented path for enterprises to promote energy conservation and emission reduction.
Different from the traditional real estate and land mortgage model, the flexible use of emission rights balances to achieve mortgage financing can not only effectively help enterprises revitalize their emission assets, lower the credit threshold, solve the problem of difficulty in guaranteeing and financing for energy-saving and emission reduction enterprises, and is more effective Give full play to the role of emissions trading in connecting financial capital and the real economy, promote the green development of the real economy through financial resource allocation and credit leverage, and ensure that the real economy and green energy conservation and environmental protection are both focused.
Since sewage is centralized into the pipe network, once the sewage discharge quota is used up, the valve will automatically close and the company will be forced to close down. Therefore, emission rights are an essential production factor for printing and dyeing enterprises and have considerable economic value. As a national pilot for printing and dyeing industry environmental statistics and emission permit management, Keqiao District should build a multi-level, multi-channel, and diversified green financial investment and financing system to guide more Capital, technology, talent and other elements are concentrated in key areas of green environmental protection. In particular, the ecological environment department should further innovate certificate application services, shorten the time limit for certificate application, and help companies obtain pollution discharge permits and bank loans as soon as possible.
Emission rights mortgage loan is an innovative green financial product in which enterprises use their remaining emission rights as collateral to apply for loans from banks. Financial institutions should find out the bottom line in the region, take the initiative to provide professional services on site, help enterprises effectively revitalize environmental rights and interests, and tailor emission rights mortgage loan programs for them. For loans obtained by enterprises through mortgaged emission rights, the borrower’s use of funds after the loan should be followed up to ensure that the funds are earmarked for the purpose of promoting the upgrading and transformation of technologies such as energy conservation, low carbon, clean production, and pollution prevention.
Opening up the emission rights mortgage loan business and recognizing enterprise emission rights quotas as an asset is equivalent to providing enterprises with a brand-new guarantee resource. This not only greatly enhances the confidence of enterprises in green development, but also helps It realizes a virtuous cycle of green development and has demonstration significance of “turning green into gold”. We look forward to introducing more financial products such as financing, insurance, asset management, funds, and bonds to provide enterprises with more differentiated value-added services, promote the upgrading of the industrial structure, and achieve the “dual carbon” goal at an early stage.
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