'I didn't expect that points can be pledged. ABC's' green car loan 'has supplemented our capital gap, and the later production capacity will reach a new level!' recently, Xu Xianzhong, general manager of Hubei Xinghui new energy Intelligent Vehicle Co., Ltd., was happy to watch the orderly production of new energy vehicles in the production workshop of Hubei Xinghui new energy Intelligent Vehicle Co., Ltd.
On November 26, Huanggang branch of Agricultural Bank of China held a press conference on 'green car loan' of new energy vehicle integral usufruct pledge loan, and issued 10 million yuan of 'green car loan' to Hubei Xinghui new energy Intelligent Vehicle Co., Ltd.
'This is the first pledge loan business of integral usufruct of new energy vehicles in China,' said the relevant person in charge of Huanggang branch of Agricultural Bank of China.
It is reported that 'green car loan' is a carbon financial product innovation carried out by Hubei Branch of Agricultural Bank of China under the guidance of Wuhan Branch of the people's Bank of China and around the passenger car 'double points' policy.
'Double integral', i.e. 'average fuel consumption integral' and 'new energy integral'. In 2017, the Ministry of industry and information technology and other five ministries and commissions formulated the measures for the parallel management of average fuel consumption and new energy vehicle points of passenger vehicle enterprises, which stipulates that automobile enterprises that meet the energy efficiency assessment will obtain positive points and enterprises that do not meet the energy efficiency assessment will obtain negative points. Positive and negative integral enterprises can conduct integral trading and transfer through the 'double integral' management platform of the Ministry of industry and information technology to realize the self balance of positive and negative integral. Otherwise, negative integral enterprises will be punished by suspending the declaration or production of high fuel consumption products.
The relevant person in charge of ABC Hubei Branch said that around this policy, ABC broke through the traditional credit model, innovated the new energy positive integral 'spot + forward' income pledge model, strengthened credit support for new energy vehicle enterprises, widened enterprise financing channels, and injected new financial momentum into the development of new energy vehicle industry.
Hubei Xinghui new energy Intelligent Vehicle Co., Ltd. is the second largest new energy vehicle production base of Weima automobile group in China, and it is also a key development project in Hubei Province and Huanggang City.
In October this year, Wuhan Branch of the people's Bank of China and Hubei Branch of Agricultural Bank of China jointly conducted in-depth enterprise research. 'We know that the company has 40000 positive points. According to the production situation, it is predicted that the enterprise will obtain 40000, 120000 and 200000 positive points year by year in the next three years.' the relevant person in charge of ABC Hubei Branch said that the enterprise not only has the 'carbon assets' of new energy vehicles, but also has the financing demand to expand production.
Huanggang central sub branch of the people's Bank of China and Huanggang branch of the Agricultural Bank of China established a special research and development team for 'green car loan', which carried out research, design, demonstration, application and approval on the company based on new energy vehicle integral carbon accounting, and gave it a comprehensive credit of RMB 100 million in less than one month. Among them, 50 million yuan of credit was pledged by the positive points of new energy enterprises, and 10 million yuan of the first loan was issued, which helped enterprises revitalize their integral assets and effectively solved the financing problem of insufficient mortgage.
It is reported that at present, Hubei Branch of Agricultural Bank of China has formulated the operation guidelines for pledge loans of integral usufruct of new energy vehicles to try to further promote 'green car loans'.
The relevant person in charge of ABC Hubei Branch said that the successful implementation of 'green car loan' is a beneficial practice of ABC Hubei branch in serving the cause of 'carbon emission reduction' and promoting the innovation of 'carbon finance', which has explored a new path and accumulated new experience for financial support for the development of new energy industry. Next, ABC Hubei Branch will further strengthen its responsibility, continue to strengthen the innovation of 'carbon finance' products, strive to activate more 'carbon assets' and 'carbon elements', polish the green financial service brand, and contribute financial wisdom and strength to the realization of 'carbon peak and carbon neutralization'.