全國首創！廣東落地零散工業廢水指標數據掛鉤貸
【谷騰環保網訊】在(zai)廣東東莞，制造企(qi)業(ye)(ye)集聚，工(gong)(gong)(gong)(gong)業(ye)(ye)廢(fei)(fei)水(shui)(shui)產(chan)生(sheng)單位數量多、規模小(xiao)、分布散，且大多中(zhong)小(xiao)微企(qi)業(ye)(ye)難以獨自處(chu)理工(gong)(gong)(gong)(gong)業(ye)(ye)廢(fei)(fei)水(shui)(shui)。為(wei)解決小(xiao)規模工(gong)(gong)(gong)(gong)業(ye)(ye)廢(fei)(fei)水(shui)(shui)污染(ran)問題(ti)，東莞創(chuang)造性提出“零散工(gong)(gong)(gong)(gong)業(ye)(ye)廢(fei)(fei)水(shui)(shui)”概念，在(zai)全國首創(chuang)“零散工(gong)(gong)(gong)(gong)業(ye)(ye)廢(fei)(fei)水(shui)(shui)”集中(zhong)處(chu)理模式，并出臺全國首個零散工(gong)(gong)(gong)(gong)業(ye)(ye)廢(fei)(fei)水(shui)(shui)管理條例。規范化的(de)零散工(gong)(gong)(gong)(gong)業(ye)(ye)廢(fei)(fei)水(shui)(shui)處(chu)理模式，為(wei)東莞產(chan)業(ye)(ye)綠(lv)色(se)低碳發(fa)展提供了(le)重要基礎設施支撐，但部分零散工(gong)(gong)(gong)(gong)業(ye)(ye)廢(fei)(fei)水(shui)(shui)產(chan)生(sheng)和(he)處(chu)理兩端的(de)企(qi)業(ye)(ye)在(zai)綠(lv)色(se)轉型發(fa)展的(de)過程中(zhong)仍存在(zai)資(zi)金(jin)缺口(kou)。
在中國人民銀行(xing)(xing)廣東(dong)省分(fen)(fen)行(xing)(xing)指導下，中國人民銀行(xing)(xing)東(dong)莞(guan)市分(fen)(fen)行(xing)(xing)探索性提(ti)出用“零(ling)散工(gong)(gong)業(ye)廢(fei)(fei)水(shui)(shui)(shui)指標數(shu)據(ju)掛鉤(gou)貸”破解融(rong)資(zi)難題的(de)思路，并推(tui)動(dong)東(dong)莞(guan)農商銀行(xing)(xing)率(lv)先落地全國首筆零(ling)散工(gong)(gong)業(ye)廢(fei)(fei)水(shui)(shui)(shui)指標數(shu)據(ju)掛鉤(gou)貸款，將(jiang)零(ling)散工(gong)(gong)業(ye)廢(fei)(fei)水(shui)(shui)(shui)產(chan)生和(he)(he)處(chu)理企(qi)業(ye)的(de)規范化處(chu)理指標數(shu)據(ju)與銀行(xing)(xing)授(shou)信額(e)度和(he)(he)利率(lv)動(dong)態(tai)掛鉤(gou)，打(da)造“治理模式全國首創+管(guan)理法(fa)規全國首創+融(rong)資(zi)產(chan)品全國首創+再(zai)貸款支持”的(de)金(jin)融(rong)賦(fu)能零(ling)散工(gong)(gong)業(ye)廢(fei)(fei)水(shui)(shui)(shui)處(chu)理“東(dong)莞(guan)模式”，在降低企(qi)業(ye)管(guan)理成本的(de)同時，提(ti)高經濟社會(hui)效益(yi)和(he)(he)環(huan)境效益(yi)，真正(zheng)做到“益(yi)企(qi)共贏”。
目前，東莞(guan)已建(jian)成6家零散(san)工(gong)業(ye)(ye)廢水(shui)(shui)處理(li)單(dan)位(wei)，共有近2萬家企(qi)業(ye)(ye)產生的(de)零散(san)工(gong)業(ye)(ye)廢水(shui)(shui)得到集中(zhong)處理(li)。通(tong)過零散(san)工(gong)業(ye)(ye)廢水(shui)(shui)管理(li)平臺，銀(yin)行(xing)(xing)(xing)可以實時(shi)掌握、有效利用企(qi)業(ye)(ye)的(de)零散(san)工(gong)業(ye)(ye)廢水(shui)(shui)產生和(he)處理(li)數(shu)據(ju)，迅速(su)為(wei)企(qi)業(ye)(ye)發放(fang)零散(san)工(gong)業(ye)(ye)廢水(shui)(shui)指標(biao)數(shu)據(ju)掛鉤(gou)貸(dai)(dai)款，緩解融資難(nan)題。同(tong)時(shi)，中(zhong)國人民銀(yin)行(xing)(xing)(xing)東莞(guan)市(shi)分行(xing)(xing)(xing)還積極提供配套政(zheng)(zheng)策支持，運用支農支小再貸(dai)(dai)款降低(di)企(qi)業(ye)(ye)綠色發展的(de)財務負擔(dan)，并推動將企(qi)業(ye)(ye)納入地方財政(zheng)(zheng)風(feng)險(xian)補(bu)償(chang)白名(ming)單(dan)，激(ji)勵(li)銀(yin)行(xing)(xing)(xing)敢貸(dai)(dai)愿貸(dai)(dai)。
海新公司是一家專(zhuan)注于(yu)廚(chu)具(ju)、衛具(ju)、燃氣(qi)器具(ju)等(deng)產(chan)品研發與(yu)制(zhi)造的技術創新型企(qi)(qi)業(ye)，產(chan)品遠銷歐(ou)美、澳(ao)洲、新加(jia)坡等(deng)地區，為(wei)省級專(zhuan)精特(te)新企(qi)(qi)業(ye)。該企(qi)(qi)業(ye)近三(san)個月月均產(chan)生(sheng)(sheng)廢(fei)水(shui)(shui)約3000噸，通過自(zi)(zi)建(jian)廢(fei)水(shui)(shui)處(chu)理(li)設施(shi)和委托具(ju)有專(zhuan)業(ye)資(zi)質的廢(fei)水(shui)(shui)處(chu)理(li)企(qi)(qi)業(ye)進行合規(gui)處(chu)理(li)后(hou)排(pai)放(fang)。在獲悉企(qi)(qi)業(ye)自(zi)(zi)建(jian)廠房、擴大(da)產(chan)能(neng)存在融(rong)(rong)資(zi)需求(qiu)后(hou)，東莞農商銀行依(yi)托其工業(ye)廢(fei)水(shui)(shui)產(chan)生(sheng)(sheng)和處(chu)理(li)數據(ju)，向其提供5000萬元零(ling)(ling)散工業(ye)廢(fei)水(shui)(shui)指(zhi)標(biao)數據(ju)掛鉤貸額度支持，將(jiang)企(qi)(qi)業(ye)融(rong)(rong)資(zi)成(cheng)(cheng)本、授(shou)信(xin)額度與(yu)零(ling)(ling)散廢(fei)水(shui)(shui)處(chu)理(li)量、達標(biao)排(pai)放(fang)穩定性等(deng)核心環(huan)保指(zhi)標(biao)掛鉤。廢(fei)水(shui)(shui)排(pai)放(fang)量越大(da)、規(gui)范處(chu)理(li)量越多，意味著(zhu)企(qi)(qi)業(ye)零(ling)(ling)散工業(ye)廢(fei)水(shui)(shui)指(zhi)標(biao)表現越優，企(qi)(qi)業(ye)獲得的授(shou)信(xin)額度、享(xiang)受的利(li)率(lv)優惠就(jiu)越大(da)，真正建(jian)立起“環(huan)保越好、成(cheng)(cheng)本越低”的市場化激勵(li)機(ji)制(zhi)。
“零散工業廢水指標(biao)數據掛鉤貸為(wei)我(wo)們(men)(men)這樣(yang)注重環(huan)(huan)保(bao)的(de)(de)制造業企(qi)業帶來了‘真(zhen)金白銀’的(de)(de)支持，讓我(wo)們(men)(men)的(de)(de)綠色(se)投入直接‘變現’，降低了融資成本，大大緩解了我(wo)們(men)(men)在環(huan)(huan)保(bao)治理(li)和生產經營(ying)上的(de)(de)資金壓力。”海(hai)新公(gong)司負責人(ren)表示，“這不僅(jin)堅定了我(wo)們(men)(men)持續優化廢水處理(li)、走綠色(se)低碳發(fa)展道路的(de)(de)決心，也讓我(wo)們(men)(men)更(geng)有(you)底(di)氣去開拓國際市場，用更(geng)高(gao)的(de)(de)環(huan)(huan)保(bao)標(biao)準提升產品競爭(zheng)力。”
在這一(yi)(yi)創新(xin)框架下，東莞市(shi)專業(ye)(ye)零散工(gong)(gong)(gong)業(ye)(ye)廢水處理(li)企(qi)業(ye)(ye)也成為享受(shou)此優(you)惠(hui)利率方案的(de)“綠色(se)標(biao)桿”。華保公(gong)司(si)是東莞市(shi)因地(di)制宜建設的(de)零散工(gong)(gong)(gong)業(ye)(ye)廢水處理(li)中(zhong)心之一(yi)(yi)，年廢水處理(li)量達(da)8.5萬噸(dun)。得益于零散工(gong)(gong)(gong)業(ye)(ye)廢水指標(biao)數(shu)據(ju)掛鉤貸，企(qi)業(ye)(ye)近日獲貸100萬元(yuan)，授信總額(e)達(da)3000余萬元(yuan)，并階段性獲得利率優(you)惠(hui)20個(ge)基點。公(gong)司(si)負責人深有感觸地(di)表示：“這20個(ge)基點的(de)利率優(you)惠(hui)，實(shi)實(shi)在在地(di)降低了我們的(de)財務(wu)成本，讓我們更(geng)有信心和(he)動力(li)去服務(wu)好更(geng)多的(de)中(zhong)小(xiao)企(qi)業(ye)(ye)，共(gong)同(tong)踐行綠色(se)發(fa)展。我們將把省下來的(de)錢(qian)更(geng)多投(tou)入到技術(shu)升級和(he)工(gong)(gong)(gong)藝(yi)優(you)化上，并按照指標(biao)數(shu)據(ju)掛鉤標(biao)準，力(li)爭掛鉤的(de)貸款利率更(geng)加優(you)惠(hui)。”
下一步，中(zhong)國(guo)人(ren)民銀行(xing)(xing)廣東省(sheng)分行(xing)(xing)將持續完善和(he)推廣“央行(xing)(xing)再貸款+零(ling)(ling)散工(gong)業廢水指標數據掛鉤貸產品+風(feng)險補償”融資(zi)支持模式，為更多零(ling)(ling)散工(gong)業廢水產生和(he)處理兩端的中(zhong)小微(wei)企業提供綠(lv)色發(fa)展(zhan)(zhan)資(zi)金支持，持續推動綠(lv)色金融和(he)普惠金融融合發(fa)展(zhan)(zhan)。
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