The 8th anniversary of Guiyang Bank's listing: working together for a long-term goal and making unremitting efforts
2024-08-18
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Time is an objective measure that illuminates our steps forward.
On August 16, 2016, Guiyang Bank Co., Ltd. (hereinafter referred to as "Guiyang Bank"), as the first A-share city commercial bank in central and western China, knocked on the door of the capital market and has been building up momentum and moving forward.
The wind is blowing and the sky is bright. Over the past eight years, with mountains and rivers as its scroll and years as its pen, Guiyang Bank has written a "paper" of hard work - insisting on taking root in Guizhou, integrating into Guizhou, and serving Guizhou, insisting on sailing through the waves in the journey of serving the real economy and helping enterprises to alleviate difficulties, insisting on forging ahead in the journey of helping the development of local characteristic industries and supporting rural revitalization, insisting on unremitting efforts in the journey of digital transformation and upgrading financial services, and insisting on moving forward with confidence in the journey of showing the true nature of finance for the people and writing people's finance.
Majiang County Blueberry Industry Demonstration Park
Deeply cultivate local resources and integrate into the development trend to "dare to be the first"
Step by step, Guiyang Bank has always taken serving local economic development as its mission, actively integrated into major national strategies such as Document No. 2 of the State Council [2022], and made every effort to focus on the "four new" and "four modernizations", accelerate the construction of "four districts and one highland", and achieve a virtuous circle of supporting Guizhou's high-quality economic and social development and its own high-quality development.
Boosting the acceleration of new industrialization. In order to better serve and promote the construction of the "six major industrial bases" and "3533" key industrial clusters, Guiyang Bank has formulated policy documents such as the "Implementation Opinions on Financial Support for the High-quality Development of New Industrialization" to establish and improve a long-term mechanism for financial services to support the high-quality development of new industrialization, and provide a specific implementation path for Guiyang Bank to effectively combine its support for new industrialization construction with the strategic transformation of the entire bank during the "14th Five-Year Plan" period. By the end of 2023, Guiyang Bank had invested a total of 156.139 billion yuan in loans in the "four modernizations" field.
"Rich mines and fine mining" has become an important strategic support for the current practice of Chinese-style modernization in Guizhou. Based on the province's industrial foundation and resource endowment, Guiyang Bank connects the "3533" key industrial clusters and the "one map and three lists" resources of the leading industries, systematically sorts out the list of mining projects in the province, focuses on 23 types of minerals such as coal, phosphorus, aluminum, manganese, and lithium, and actively supports the quality upgrade of the deep processing industry of mineral resources and traditional industries. In recent years, Guiyang Bank has cumulatively granted credit of more than 5 billion yuan to support Kailin Group in promoting the transformation and upgrading of the phosphorus chemical industry, and continuously serves customers to fully reflect the value of "Guizhou Phosphorus" in serving major national strategies.
In actively integrating into the "Strong Provincial Capital" strategy, Guiyang Bank has seized major opportunities such as the construction of Guiyang and Gui'an's new industrial development system and the "one core, three centers and multiple clusters" urban pattern, and has prioritized credit resources to Guiyang and Gui'an's "1+7+1" key industrial industries, "1+5+8" park main and special industries, urban reforms and urban renewal. By the end of 2023, the bank's loan balance in the "Strong Provincial Capital" field was 126.543 billion yuan, an increase of 15.06% from the beginning of the year.
As the cultural tourism industry gradually recovers and heats up, the bank's credit funds are also "adding fuel to the fire". Guiyang Bank insists on taking the cultural tourism industry as a key support area, continuously sinking services, innovating products, and optimizing channels. It not only supports "old brands" such as Libo Xiaoqikong, Huangguoshu, and Xijiang Qianhu Miao Village, but also helps emerging rural tourism such as "Village BA" and "Village Super", injecting a steady stream of "financial water" into the rural tourism industry.
Reshaping the spatial pattern of urban development is conducive to better economic and social development. Guiyang Bank uses "financial running water" to better participate in the "metabolism" of the urban organism, and takes Guiyang and Gui'an's "one circle, two fields and three reforms" as a starting point to support the transformation of urban renewal and urban construction such as Qingyun Market and Huaxi Cross Street. At the same time, the bank focuses on the needs of new citizens, provides solid basic financial services, guides new citizens in key areas such as entrepreneurship, employment, housing, education, and medical care, and does practical things to help create the warmth of "a foreign land is a hometown", and continuously enhance the sense of security, belonging and happiness of new citizens. Anchoring on the new track, the bank's retail financial transformation has also achieved fruitful results. As of the end of 2023, Guiyang Bank's retail AUM was 246.615 billion yuan, an increase of 16.718 billion yuan, an increase of 7.27%.
Guiyang Bank Siyuan Community Rural Inclusive Finance Comprehensive Service Station
Stick to the origin and be a "stabilizer" of the real economy
Finance is like water, which constantly nourishes the real economy and irrigates the economy. Guiyang Bank is rooted in the fertile soil of local economic development, adheres to the foundation of finance, always regards serving the real economy as its main responsibility and business, adheres to major national and regional development strategies, focuses on optimizing resource allocation, innovating financial products, and improving financing efficiency, and continuously injects strong financial momentum into local economic development.
The private economy is an important part of the smooth economic cycle. Guiyang Bank closely follows policy guidance, builds mechanisms, improves efficiency, and strengthens services. It has established a long-term mechanism of "daring to lend, willing to lend, and able to lend", and continues to promote financial products such as "Shuangcheng Loan", "Shuangnong Loan", and "Intellectual Property Pledge Financing". It uses special quotas, price subsidies and other methods to reduce the financing costs of private enterprises. As of the end of 2023, the bank's private enterprise loan balance was 39.592 billion yuan.
The key to whether a place's economic strength is strong or not lies in industry, and the root lies in manufacturing. For many years, Guiyang Bank has continuously carried out the "Manufacturing Financial Service Year" activity, focusing on the five major service directions of "key industries, key clusters, key projects, key enterprises and stock improvement" in the manufacturing industry, promoting financial empowerment of the manufacturing industry to strengthen and supplement the chain, matching differentiated and innovative financial products, and focusing on meeting the credit needs of emerging industrial clusters, smart transformation and digital transformation, and high-end transformation and upgrading. At the end of 2023, the loan balance of manufacturing enterprises was 21.49 billion yuan, and the loan growth rate exceeded 24%.
"Specialized, sophisticated, and innovative" enterprises are an important force in improving the stability of the industrial chain and supply chain and forming new quality productivity. Guiyang Bank has deeply explored the demonstration benchmarks in the subdivided fields, continuously consolidated the basic customer base of science and technology innovation enterprises, targeted the core needs of "specialized, sophisticated, and innovative" small and medium-sized enterprises, and launched special loans for "specialized, sophisticated, and innovative" enterprises, which will divert bank funds to "specialized, sophisticated, and innovative" enterprises in all directions and dimensions, and help Guizhou's new industrialization to add vitality and increase the momentum of the development of the real economy. By the end of 2023, the loan balance of technology-based enterprises was 13.897 billion yuan.
Developing green finance is an inevitable path to promote financial structural adjustment and achieve sustainable economic and environmental development. Guiyang Bank has always been committed to promoting the institutional and mechanism advantages of green finance, policy and product advantages and the connection with the good ecological resource endowment of Guizhou Province. It has built a green financial product system covering green credit, green bonds, green leasing, etc., and continuously accumulated experience in the definition of green project standards, information disclosure, green project risk management, data accumulation, etc., to create a "green finance +" brand with the characteristics of Guiyang Bank. As of the end of 2023, the balance of green loans was 31.341 billion yuan.
Financial support for small and micro enterprises is being implemented step by step. Small and micro enterprises have small asset scale, few fixed assets, few effective assets that can be mortgaged, and relatively high credit risks. Guiyang Bank has formulated and issued the "Guiyang Bank Small and Micro Enterprises Daring to Lend, Willing to Lend, Able to Lend, and Knowing to Lend Mechanism Plan", proposing 17 specific measures from four aspects to promote the confidence of "daring to lend", the momentum of "willing to lend", the foundation of "being able to lend", and the level of "knowing to lend", and to fully promote the credit service level of small, medium and micro real enterprises. By the end of 2023, the loan balance of small and micro enterprises was 197.664 billion yuan.
Guiyang bank staff popularize financial knowledge for the elderly
Assisting the “Three Rural Issues” and Writing a “New Picture” of Rural Revitalization
In the journey of helping rural revitalization, Guiyang Bank has also been determined and proactive in taking on responsibilities, and has blazed a path of rural revitalization with industrial characteristics in the fields.
Industrial revitalization is the focus of rural revitalization. Guiyang Bank focuses on 12 characteristic and advantageous industries to do a good job in "local specialties", and builds characteristic industrial villages and specialized towns with the idea of "one county, one industry", "one township, one specialty" and "one village, one product" to solve the problem of weak rural industries. Guiyang Bank adheres to the system view and the theory of advantages, and works hard on industrial ecology and ecological industrialization. Focusing on the modern agricultural development system and model integrating production, supply and marketing, combined with the characteristics of Guizhou's mountainous characteristic agriculture, it comprehensively integrates funds, gathers industrial projects in financial services for breeding, deep processing, product sales and circulation, and gathers the growth energy of characteristic industrial clusters. After continuous efforts in recent years, Guiyang Bank's financial support for rural revitalization industries has begun to show results. As of the end of 2023, the balance of agricultural loans was 153.723 billion yuan, an increase of 14.41% from the beginning of the year.
Improving the living environment is an important part of brightening the "base color" of rural revitalization. Guiyang Bank has firmly established the concept of green development, conscientiously grasped the policy advantages and regional advantages of Guizhou Province's construction of a national ecological civilization pilot zone and the Gui'an New District Green Finance Reform and Innovation Pilot Zone, and provided credit support for projects such as the Daotianhe River governance in Bijie City, effectively promoting the optimization of urban water quality and the improvement of rural living environment.
While fully supporting Guizhou's green development, Guiyang Bank consciously integrates financial services into rural areas. Focusing on the "Ten Counties, Hundred Townships, Thousand Villages" project in the province, with key townships as the center, combined with key agricultural industries in various regions, and fully relying on the advantages of personal connections and geographical locations, more than 2,000 rural inclusive financial comprehensive service points have been established in rural areas of the province through the "Rural Finance +" model to provide rural customers with professional financial services with wide coverage, high accessibility, and simple and convenient. In 2023, 2,247 rural inclusive financial comprehensive service points in the province provided farmers with a total of 1.9238 million convenient services, deeply rooting financial services in rural areas. In order to do a solid job in the "second half of the article" of rural revitalization, the bank strictly implemented the "four no removals" requirements for village assistance, selected party members and cadres to serve as village cadres in rural areas, promoted the sinking of financial human resources to rural areas and served rural areas, and was highly recognized by party committees, governments and the masses at all levels.
Technology empowers the release of the "new engine" of digital banking
In a world of competition, the one who paddles hardest will come out on top. In a period of great change and adjustment as the world economy transforms and upgrades and a new round of technological revolution develops by leaps and bounds, innovation has become the fundamental driving force for high-quality development. Guiyang Bank has seized the opportunity and taken advantage of the situation to formulate the "2021-2025 Information Technology Strategic Plan of Guiyang Bank Co., Ltd." to create a new situation of high-quality development.
Over the years, through the layout of digital operation, management, and operation, we have accelerated the formation of a "big data-driven, omni-channel linkage" development model, and deeply promoted the deep integration of data elements with management, risk control, channels, and products. We have made powerful explorations in enabling digital operation, digital management, and digital capacity building. The independently developed "Retail Data Analysis Application Platform" was selected as an outstanding case of financial technology innovation by Bankers in 2023.
In the process of practicing digital development, Guiyang Bank has continuously innovated its product forms. It has launched products such as "Shuangcheng Loan", "Cheng e Loan PLUS", "Rural Revitalization Industry Loan", and "Shuiyuan e Loan PLUS". It uses big data information such as credit investigation data and industrial and commercial data to restore the business behavior and credit level of small and micro enterprises, conduct risk profiling of enterprises, and achieve rapid approval.
In addition, in order to effectively improve financial technology services, Guiyang Bank actively promotes the digital transformation of supply chain finance. Relying on the "1+N+N" service model of Shuangrong Chain, it realizes the penetration and empowerment of the high-quality credit of core enterprises in the industrial chain, and provides credit-free, guarantee-free, and rating-free financing services to the upstream multi-level suppliers of core enterprises, thereby improving the financing access rate of small, medium and micro enterprises.
With the help of digitalization, Guiyang Bank has built a bank in every aspect of life. By building an online ecological platform, it provides users with all-round life scene services such as dining, travel, shopping and watching movies. The "scene + finance" service ecological system allows every daily life scene to become an opportunity for financial services.
Guiyang Bank has explored various scenarios such as water, electricity, gas, social security, medical care, education, and transportation, and has gradually built a digital, open, and intelligent convenient service ecosystem to solve various digital payment problems of the people.
It is worth mentioning that the bank's care for the "silver-haired" customers further reflects the warmth of the financial industry. The bank's mobile banking for the elderly highlights the menu of commonly used functions and the introduction interface. The font size and icons of key information such as transfers, deposits, and financial management are increased, and the text buttons are designed with high contrast. In addition, the bank's exclusive service process of "simplifying the complex" has comprehensively improved the financial services for the elderly.
As of the end of 2023, the total number of registered users of Guiyang Bank's mobile banking reached 5.7455 million, an increase of 198,700 from the beginning of the year; mobile banking transactions exceeded 15 million, reaching 15.2514 million transactions, with an amount of 313.168 billion yuan; the total number of online payment transactions was 353.81 million, an increase of 33.5 million transactions from the previous year, with a transaction amount of 96.9 billion yuan.
Finance for the People Become a "Striver" of People's Finance
The Bank of Guiyang always bears in mind its original mission of "finance for the people" and spreads the "warmth of bank" to every household.
We carefully build a comprehensive, multi-level, three-dimensional service network, so that services are not limited to counters, and offline outlets are highly integrated with online services. We adhere to the principle of customer first, earnestly fulfill our responsibilities for protecting consumer rights, and with a professional and attentive service concept, we conduct in-depth research and respond quickly to user needs, and provide high-quality solutions and considerate services.
In order to build a long-term mechanism for the promotion of financial knowledge, the bank actively carried out publicity activities such as "March 15 Consumer Rights Day", "Popularize Financial Knowledge, Protect Your Wallet", "Prevent Illegal Fundraising", and "Happy Market Days". In 2023, it carried out more than 2,400 public education and publicity activities, reaching more than 75,000 people.
In response to the urgent problems of special groups such as the "silver generation" and new citizens, Guiyang Bank has implemented precise policies and made efforts in multiple directions to effectively improve service levels: for the elderly group, it guides employees to start from the details, actively receive inquiries and arrange priority services, and carefully guides elderly customers to complete self-service services through self-service equipment or mobile banking; for new citizens, it launches "new financial" services according to local conditions, and organizes employees to carry out publicity activities in places such as migrant workers' construction sites and small and micro enterprise offices.
In addition, in order to allow financial services to truly benefit the "three rural areas", Guiyang Bank has innovatively built rural inclusive financial comprehensive service points based on the "rural e-commerce + rural finance" model in rural areas of Guizhou Province, promoting rural inclusive financial services from the "last kilometer" to the "last hundred meters".
Polish the public welfare brand and demonstrate social responsibility. In 2023, with the public welfare concept of "sunshine and beautiful life", Guiyang Bank will continue to deepen its public welfare field, expand charity channels, and help Guizhou Province build ecological civilization. It donated 2 million yuan to support the "2023 Guiyang International Forum on Ecological Civilization"; carried out charity activities with the theme of "fulfilling social responsibilities and supporting poor college students"; went into 132 communities to carry out the "Financial Anti-Fraud into the Community Shuangyin Chongyang Protects the Elderly" public welfare publicity activities; improved the level of social public health and safety facilities, and launched the inspection of defibrillator equipment in 25 business outlets in Guiyang; organized employees to widely participate in charity donations, voluntary tree planting, free blood donation and other public welfare activities.
Over the past eight years, Guiyang Bank has insisted on actively benchmarking the market, keeping pace with the times, and forging ahead with determination. It has embarked on a path of innovation-driven, transformation and development. Its asset scale exceeds 700 billion yuan, ranking 37th on the list of top 100 banks in China. The bank has entered a new stage of high-quality development.
Looking back on the road we have come, we have worked hard and achieved fruitful results; embarking on a new journey, we will not forget our original aspirations and forge ahead. In the past eight years, Guiyang Bank has deeply integrated the sentiment of "the people's bank" into the vast land of Guizhou with its enthusiastic service and sincere dedication. Standing at a new starting point, Guiyang Bank will steer the rudder of thought steadily, raise the sail of hard work, and contribute "Shuangyin Power" to Guizhou's high-quality development with a more high-spirited attitude, a more steady pace, and better-quality financial services.
Reporter Ran Maoyi
