🌍 国际框架运用
Global Reference, Local Solution
Qianlv Rongtong (Green Finance Platform)
Selected Framework
What is this framework about?
Launched by UNEP FI in September 2019, PRB is a global sustainable banking framework with six core principles requiring banks to embed sustainability into strategy, portfolio decisions, and risk management, aligned with the Paris Agreement and UN SDGs. It emphasizes transparency, accountability, and target-setting.
Why It Fits Our Project
Our project addresses information asymmetry and high compliance costs in green financing for SMEs in Guizhou Province. Local manufacturing SMEs struggle to access green credit due to fragmented environmental data and banks' reluctance to conduct costly due diligence on small borrowers.
Principle 2
Impact and Target Setting
Guide banks to assess and disclose environmental impacts of their portfoliosPrinciple 4
Transparency and Accountability
Require transparent reporting in lending decisions🔗 Connection to Our Platform
Our platform operationalizes these principles by providing standardized, technology-enabled verification that helps banks evaluate green projects efficiently. The "Green Credit Compliance Verification Module" is most closely connected to PRB's demand for robust environmental risk assessment and transparent reporting in lending decisions.
Overseas Practice / International Case
Prototype Hong Kong Green Fintech Map (2024)
Launched on 1 March 2024 by the Green and Sustainable Finance Cross-Agency Steering Group (co-chaired by HKMA and SFC), the Prototype Hong Kong Green Fintech Map is a centralized directory of 50+ green fintech firms offering solutions across five categories:
📚 Lessons Learned from Hong Kong Model
Government-backed Directory
A centralized directory reduces search costs for banks, inspiring our unified green project database
Five-category Classification
The classification provides a reference for structuring our platform's modules
Multi-stakeholder Model
Collaboration between regulators, technology parks, and investment agencies demonstrates ecosystem-building approaches we replicate with local partners in Guizhou
Local Solution
Our project adapts the Hong Kong model to Guizhou through three localization strategies:
Directly Borrowed
- A centralized directory connecting providers with financial institutions
- A multi-stakeholder governance model
- A five-category classification framework (ESG data, disclosure, climate risk, green finance, carbon analytics)
Local Adjustments
- Targeting SMEs with simplified templates instead of advanced AI/blockchain solutions
- Aligning with China's Green Industry Guidance Catalogue and Guizhou's credit policies instead of ISSB standards
- Verifying environmental penalty records and energy data authenticity for unlisted SMEs
Project Design Innovations
- Refining national standards into Guizhou-specific criteria aligned with ICBC Green Manufacturing Loan and Bank of Guiyang Green Easy Loan
- Developing ready-to-use templates for fragmented SME data
- Establishing compliance checklists with result-sharing to reduce bank audit costs by over 30%
- Replicating Hong Kong's multi-stakeholder model with local regulators, industrial associations, and SME service centers