Xi 'an Housing and Urban-Rural Development Bureau Xi 'an Financial Work Bureau on green finance to support the development of green buildings

Source: Xi 'an Housing and Urban-Rural Development Bureau

District and county, Xixian New District, Development Zone Housing and Construction Bureau, financial work Department, People's Bank of Shaanxi Branch Business anagement Department, financial institutions:

In order to implement the Notice of the National Development and Reform Commission of the Ministry of Housing and Urban-Rural Development on Issuing the Implementation Plan of Carbon Peak in the Field of Urban and Rural Construction (Construction Standard (2022) No. 53) and the Department of Housing and Urban-Rural Development of Shaanxi Province Shaanxi Provincial Development and Reform Commission on the issuance of the "Shaanxi Province Urban and Rural Construction Carbon Peak Implementation Plan" (Shaanxi Jianfa (2022) No. 277) relevant spirit, give full play to the role of green finance in the development of green buildings, improve the quality of green low-carbon development of urban and rural construction, combined with the actual development of the city, Decided to carry out green finance to support the development of green buildings, the relevant matters are hereby notified as follows:

1. Work objectives

Establish a working system for green finance to support the development of green buildings, promote the green growth of the construction and real estate industries, achieve a virtuous cycle of green finance development, explore a fiscal, tax and financial support mode that is consistent with the actual development of Xi 'an and has Xi 'an characteristics for carbon peak and carbon neutrality in urban and rural construction, and help realize the green and low-carbon transformation of urban and rural construction in Xi 'an.

2. Scope of support

The scope of green finance support includes green buildings, prefabricated buildings, ultra-low energy consumption buildings, energy saving and green transformation of existing buildings, and green building materials.

(1) Green buildings. Refers to the design and construction of green buildings, and meets the requirements of the "Green Building Evaluation Standard" (GB/T 50378) and other industry standards.

(2) prefabricated buildings. In accordance with the basic provisions and calculation requirements of "Shaanxi Province prefabricated Building Evaluation Standard" (DBJ 61/T 168), the assembly rate of more than 60% of the project.

(3) Ultra-low energy consumption buildings. The project integrates passive and renewable energy application technologies to meet the requirements of relevant standards such as "Near Zero Energy Building Technical Standard" (GB/T 51350) and "Shaanxi Province Ultra-Low Energy Residential Building Energy Saving Design Standard" (DBJ 61/T 189), and significantly reduces building energy consumption and carbon emission intensity.

(4) Energy saving and green transformation of existing buildings. Existing building energy saving and green renovation projects that meet industry standards such as "Technical Regulations for Energy Saving Renovation of Existing Residential Buildings" (JGJ/T 129), "Technical Specifications for Energy Saving Renovation of Public Buildings" (JGJ/T 176), and "Evaluation Standards for Green Renovation of Existing Buildings" (GB/T 51141).

(5) Green building materials. Energy-saving wall materials, external wall insulation materials, energy-saving doors and Windows, prefabricated building parts, ready-mixed concrete (mortar) and other materials certified with a star or above.

3. Support measures

(1) Support and encourage financial institutions to give key support to projects that meet the scope of support, and provide financial services for the whole life cycle of project investment, construction, building materials production, construction and renovation. Relying on the core enterprises of the green building development chain, we will actively carry out green financial services to effectively meet the financing needs of enterprises.

(2) Support and encourage financial institutions to give priority to the project credit within the scope of support in terms of credit lines; In terms of interest rate pricing, we will continue to unleash the potential of LPR reform, guide financial institutions to lower loan interest rates, and promote the reduction of comprehensive financing costs for enterprises. In terms of loan acceptance and approval, the "green channel" model is adopted, giving priority to acceptance, approval and delivery.

(3) Support and encourage insurance institutions to provide comprehensive insurance services for projects that meet the requirements, improve insurance clauses and service content, and achieve closed-loop management of the whole process of prevention in advance, risk control in the event and compensation after the event.

Iv. Application conditions and procedures

(1) Application conditions

The application conditions of green credit include the basic conditions of the borrower and the basic conditions of the project. Please see the attachment for specific application conditions.

(2) Handling procedures

When accepting green credit, financial institutions can refer to the "Xi 'an Green Finance Support Green Building Development Credit Work Guidelines" (see annex) implementation, and formulate internal business procedures and rules.

Other financial products to support the development of green building application conditions and procedures, can be combined with the actual work, refer to the annex to implement.

5. Supervision and Administration

(1) The Housing and Construction Bureau is responsible for the construction supervision of territorial projects, carries out target grade assessment of star-rated green building projects applying for green finance loans, and guides and supervises construction units to carry out construction activities in strict accordance with design documents and relevant standards. After the completion of the project, the star green building identification shall be organized in accordance with relevant regulations.

(2) The branches of the People's Bank of China guide qualified local legal financial institutions to deepen green finance work with monetary policy tools such as practical carbon emission reduction support tools and strengthen monitoring and analysis in the field of green finance under the premise of controllable risks. Guide financial institutions within their jurisdiction to establish and optimize credit management systems, strengthen post-loan management, and establish risk early warning and exit mechanisms for green finance operations.

(3) The financial work department in the city's "government-finance enterprise financing docking coordination mechanism", cooperate with the People's Bank of Housing and Urban-Rural Development to organize financing docking activities, support financial institutions to do a good job in financing services, and coordinate the national financial supervision department in Shaanxi to provide support according to law and regulations.

(4) Financial institutions should do a good job of green credit approval and post-loan management, after the loan is issued, continue to carry out evaluation, monitoring and statistical analysis, strengthen the monitoring of the flow of funds after the loan, and strictly prevent funds from flowing to projects that are not supported by green finance.

(5) The construction unit shall strengthen project management to ensure that the use of funds is consistent with the loan application. After the completion of the project, the completion acceptance record form issued by the construction project completion acceptance record authority should be obtained, the star green building project should obtain the corresponding grade identification certificate, and other types of projects should also meet its relevant standards.

6. Safeguard measures

1. Strengthen organizational leadership. Housing and construction bureaus and financial management departments at all levels should strengthen the organizational leadership and overall guidance of green finance to support the development of green buildings, establish a work coordination mechanism, form a working force, and establish a platform for information release and cooperation sharing of green financial products to serve the development of green buildings to ensure the orderly progress of all work.

2. Strengthening publicity and training. Strengthen the publicity of green finance to support the development of green buildings, and strengthen the study and training of green finance, building energy efficiency, green building and other relevant laws, regulations, policy documents, standards and norms. Financial institutions are encouraged to establish relevant technical teams to continuously improve their business capabilities and work quality

3. Increase product innovation. Focusing on the development of the green building industry chain, financial institutions are encouraged to innovate and develop green financial products and models suitable for the development of our city. Encourage insurance institutions to actively explore the development of green building performance insurance, construction engineering design liability insurance, safety production liability insurance and other insurance products, and strive to build an insurance service system to protect the rights and interests of all relevant parties.

4. Strengthen inspection and guidance. Housing and Construction bureaus at all levels shall carry out regular inspection and supervision of projects supported by green finance. All functional departments should actively summarize typical experience, promote good practices, and timely commend projects, units and financial institutions with outstanding performance, so as to play a positive incentive role.

Annex: Xi 'an Green Finance Support green building development credit guidelines

Xi 'an Housing and Urban-Rural Development Bureau

Xi 'an Financial Work Bureau

November 2, 2023

(Contact: Liu Yongjian Tel: 88668228)

Attachment:

Xi 'an Green finance support green building development credit work guidelines

1. Application conditions

(1) The basic conditions of the borrower

1. Registered according to law, and have a fixed place, engaged in production and business activities in accordance with laws and regulations, with the qualification requirements of the corresponding industry field.

2. Good credit records, no violations of laws and regulations, no major debt disputes, lawsuits, negative reports that affect normal business operations, and no negative lists such as government blacklists.

3. Good financial status, with the ability to repay capital and interest on schedule, and no delay or delay in paying interest in the past two years (except for those in line with the state-assisted enterprise rescue policy).

4. The classification of industry and social environmental risks shall meet the relevant requirements of financial service institutions.

5. Customers who are not included in the circumstances of "prohibiting customer access" or "suspending or terminating customer business relationship" in the money laundering risk management.

6. Other conditions required by the lending unit.

(2) Basic conditions of the project

1. Green building project: Assessment conclusion of green building target grade issued by the Municipal Bureau of Housing and Urban-Rural Development or other recognized industry institutions.

Application for Green building target grade assessment process:

Information declaration. The construction unit is responsible for the assessment and declaration of the target grade of green buildings, and the financial, design and consulting units can participate jointly and be responsible for the authenticity of the declaration materials signed and stamped by each other. The application materials template can be downloaded from the portal website of the Municipal Housing and Urban-Rural Development Bureau. The contents include:

Xi 'an Green Building Target Grade Assessment Declaration;

Xi 'an Green building target Grade Self-assessment Report.

Formal review. The construction unit shall submit the declaration materials to the district, county and development zone housing and construction Bureau, which shall review whether the construction unit and the project have the conditions for declaration and whether the declaration materials are complete, complete and effective.

Expert review. After passing the formal review, the Municipal Housing and Urban-Rural Development Bureau or other recognized industry agencies select industry experts to form an expert group to review the project, and issue a list of expert opinions.

Project publicity. After the review, the projects that passed the green building target rating assessment will be publicized on the portal website of the Municipal Housing and Urban-Rural Development Bureau.

2. Prefabricated building project: Shaanxi Province housing construction (municipal) engineering design document construction drawing joint review report, Xi 'an construction project prefabricated construction technical scheme review opinion (to be provided by the review project).

3. Ultra-low energy consumption building project: It should obtain ultra-low energy consumption, near-zero energy consumption building, zero energy building design certification.

4. Existing building energy saving and green renovation projects: should obtain a star or above design certification.

5. Green building materials: The green building materials product certification should be obtained.

Second, refer to the handling process

When accepting green credit, financial institutions can refer to the following procedures and formulate internal business procedures and rules.

(1) Accepting applications

The financial institution shall review the written application and related materials submitted by the borrower, and provide detailed explanation to the borrower in time if the materials do not meet the relevant provisions.

(2) Preliminary screening

According to the classification of project loans, combined with relevant management norms, the early judgment of loan applications, focusing on the following:

1. Whether it can be included in the scope of green finance to support green building development loans;

2. Whether the borrower and the project sponsor have good credit standing, and whether there are any major bad records such as bad credit use, malicious debt evasion, fraud, etc.;

3. If the State has requirements on the qualification of the investment entity and the business qualification of the proposed investment project, whether it complies with the corresponding provisions;

4. Other items selected according to work needs.

(3) Due diligence

According to the internal management norms and procedures of financial institutions, conduct due diligence on the project borrowers and the basic situation of the project, focusing on the following contents:

1. Whether it conforms to the relevant policies of national industry, land, environmental protection, green and low-carbon, and obtains the corresponding access qualifications according to regulations;

2. Whether to perform the legal management procedures of investment projects as required, and obtain the approval documents or filing documents within the validity period;

3. Whether it complies with the provisions of the national project capital system;

4. Whether it meets the relevant criteria of the banking industry regarding credit policy, anti-money laundering requirements, environmental and social risk management and other project access;

5. Other matters to be investigated according to work needs.

(4) Project evaluation

After the due diligence is passed, enter the evaluation fast track and complete the project evaluation in time.

(5) Loan review

Review the loan evaluation materials and other loan elements of green building projects for legality and compliance.

(6) Loan approval

After the examination, it will be included in the green loan fast approval channel, and the project loan approval decision will be made.

(7) Loan issuance

Issue green loans in a timely manner in accordance with regulations, and include loans already issued into green loans or green financing statistics. Pay close attention to the actual use of project loans to ensure that they are consistent with the applied use.

(8) Post-loan management

Financial institutions should formulate and improve various internal management methods on green finance. For projects that obtain loans by improper means, fail to pass the completion acceptance, and fail to meet other relevant standards, relevant measures shall be taken in a timely manner to resolutely hold the bottom line of risk.