T/CQJR 008-2024 Active

Scope: This document provides terms and definitions of green consumption, the scope of identification, identification principles, the certification process for green consumption of financial services, and incentives and constraints, etc. This document is applicable to financial institutions such as banks, asset management companies, insurance companies, trust companies, futures companies, and securities companies legally established within the People's Republic of China that provide green consumption certification for financial services in Chongqing City. Main technical content: 1. Green consumption model for financial services: To ensure accurate financial services for green consumption and effectively prevent financial risks, this guide defines the main objects of green consumption of financial services, financial institutions and financial products, and the scope of green consumption as follows. 1.1 Applicable objects 1.1.1 Main service objects: - Individuals with full civil capacity and partial civil capacity. - Individuals with good credit and financial status and the ability to repay principal and interest on time. - Individuals not included in the anti-money laundering and anti-fraud monitoring lists. 1.1.2 Financial institutions and products providing green consumption ecosystem: - Licensed financial institutions including banks, insurance companies, securities companies, consumer finance companies, wealth management companies, finance companies, and trust companies that construct the green consumption ecosystem. - Financial products refer to various financial products provided by the above-mentioned institutions in accordance with laws and regulations, including but not limited to green consumption loans, green consumption insurance, green consumption wealth management, and green asset-backed notes, etc. 1.2 Principles of green consumption identification 1.2.1 Consumption behavior is true, effective, traceable, and queryable. 1.2.2 The certification object