2026年上半年，中国绿色贷款余额新增3.8万亿元，同比增长14.5%，整体增速较上年出现显著放缓 1。南方周末新金融研究中心发布的“金标杆”测评显示，《绿色金融支持项目目录（2025年版）》规范落地及新能源上网电价市场化改革深化提高了业务门槛 1。工农中建四大银行占据约七成绿色信贷存量，贡献四分之三增量 1。
在具体的竞争格局中，中国银行表现最为突出，其绿色贷款余额一年新增约1.08万亿元，同比增长24%，居受测评银行首位 1。与此同时，城商行和农商行分别实现20.43%和18.32%的同比增长，快于国有大行与股份行，但面临集中度风险 1。兴业银行是得分最高的股份制银行，其绿色贷款余额在股份行中率先破万亿元 1。
值得注意的是，2026年上半年境内发行325只绿色债券，同比增加30%，但合计金额4282亿元，同比减少13% 1。这一数据反映出银行业绿色金融已从规模扩张转向精细化、多工具协同及风险控制阶段 1。此外，测评数据显示，绿色金融与科技金融前六名机构完全重合，分别为农业银行、工商银行、建设银行、中国银行、兴业银行、招商银行 1。
China’s banking sector witnessed a significant slowdown in the expansion of green loans during the first half of 2026, with the national balance growing by 3.8 trillion yuan and registering a year-on-year increase of 14.5% 1. This deceleration follows stricter regulatory standards introduced by the "Green Finance Support Project Catalog (2025 Edition)" and deeper market-based reforms for new energy electricity pricing, which have collectively raised the operational barriers for green credit businesses 1. Despite the broader cooling trend, growth dynamics varied sharply among institutions, with city commercial banks and rural commercial banks maintaining robust momentum at 20.43% and 18.32% year-on-year respectively, outpacing their state-owned and joint-stock counterparts 1.
The assessment conducted by the New Financial Research Center of Southern Weekly evaluated the green finance competitiveness of 58 representative commercial banks 1. Among state-owned giants, the Industrial, Commercial, Construction, and Agricultural Banks retained dominant positions, holding approximately 70% of existing green credit balances and contributing three-quarters of the total increment 1. Within this group, Bank of China emerged as the fastest-growing entity, adding about 1.08 trillion yuan to its green loan balance over the past year, a 24% increase that ranked it first among the assessed banks 1. In the joint-stock banking segment, Industrial Bank stood out as the top scorer, becoming the first such bank to surpass a 1 trillion yuan green loan balance 1.
Diversification strategies are increasingly shaping the landscape, particularly through green bonds. Domestic issuance saw 325 green bonds launched in the first half of 2026, representing a 30% year-on-year rise in quantity; however, the total funding amount decreased by 13% to 428.2 billion yuan 1. Notably, the intersection between green finance and technology finance remains strong, with the top six institutions—Agricultural Bank of China, Industrial and Commercial Bank of China, China Construction Bank, Bank of China, Industrial Bank, and China Merchants Bank—being identical across both categories 1. These trends indicate a structural shift in the industry from pure scale expansion toward refined management, multi-tool synergy, and enhanced risk control 1.
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