working together to forge a nine-year glory and forge ahead together to create a better future | a record of high-quality development of the guangzhou branch of china zheshang bank in its ninth anniversary
2024-09-08
한어Русский языкEnglishFrançaisIndonesianSanskrit日本語DeutschPortuguêsΕλληνικάespañolItalianoSuomalainenLatina
on september 8, 2024, the guangzhou branch of china zheshang bank celebrated its 9th anniversary. as the bridgehead and frontier for china zheshang bank to provide financial services in the guangdong-hong kong-macao greater bay area, the guangzhou branch of china zheshang bank has been carrying the gene of serving the country and doing good in finance since its inception, shouldering the mission of serving guangdong and empowering the bay area.
together we will forge a colorful nine-year journey, and together we will strive to create a better future. for nine years, the guangzhou branch of china zheshang bank has always been customer-centric and committed to serving the real economy. it has been committed to providing all-round comprehensive financial services for guangdong's economic and social development, winning wide recognition from all parties and establishing a good brand image. since its establishment, under the correct leadership of government departments, regulatory agencies and the head office, and with the trust and support of customers and all sectors of society, the bank has actively integrated into the new development pattern, always resonating with guangdong's development, moving in the same direction as the tide of the times, and strongly supporting local economic and social development. it has cumulatively issued loans of nearly 600 billion yuan and paid more than 2.5 billion yuan in taxes. after nine years of rapid growth, the bank has adhered to compliant and stable operations, continued to transform and upgrade, and has taken solid steps on its own path of high-quality development. the total on- and off-balance sheet asset balance exceeds 160 billion yuan, and the balance of various deposits and loans exceeds 100 billion yuan. the growth rate of scale is faster than that of peers, and the asset quality remains good; 13 branches have been established, and outlets cover important cities in the bay area.
looking into the future, the bank will continue to strive towards its vision and goal of becoming a "first-class commercial bank", continuously optimizing financial supply, building business characteristics, and expanding the scope of services, and contribute zhejiang bank's strength to the high-quality development of guangdong with the responsibility of rare earth finance.
follow the government strategy and do five major things well
the guangzhou branch of china zheshang bank conscientiously implemented the specific deployment of the guangdong provincial party committee's "1310", comprehensively served the strategic goals of manufacturing, building a strong province of scientific and technological innovation, and the "hundreds of millions of projects", and launched the "2121" development strategy according to local conditions (i.e., following the government strategy and focusing on the two main lines of the manufacturing customer base, highlighting the scene finance as a starting point, creating the two characteristics of supply chain finance and scene inclusiveness, and practicing the original intention of good finance), and comprehensively did a good job in the five major articles, and injected financial vitality into the overall development of the country and guangdong with practical results. as of the end of august 2024, the bank's loan balance related to the "five major articles" exceeded 40 billion yuan, an increase of 14% from the beginning of the year.
1. innovate the service system and strengthen the “science and technology finance”
we will comprehensively upgrade the financial services for sci-tech innovation and take multiple measures to increase the financial support for sci-tech innovation. we will use a series of exclusive and special products such as "talent support loan", "sci-tech innovation shared loan", "sci-tech innovation bank investment loan", "specialized and new loan", etc. to create professional services for sci-tech innovation enterprises; provide comprehensive financial services throughout the life cycle from the start-up period, growth period to maturity period, meet the actual needs of sci-tech innovation enterprises in different growth stages and industries, and enable the development of enterprises throughout the life cycle; provide a full range of financial service systems of "domestic + overseas", "commercial bank + investment bank", "loan, stock, bond, investment". as of the end of august 2024, we have served nearly 1,000 sci-tech innovation enterprises, with a credit balance of about 16 billion yuan; among them, 500 specialized and new enterprises, with a credit balance of about 8.4 billion yuan, and won the top ten cases of financial services for technological innovation.
2. improve the system and mechanism to implement green finance
focus on energy supply and low-carbon transformation, continue to strengthen project financing support, and promote the rapid growth of green credit. formulate special credit policies around national key green areas such as "energy conservation and environmental protection, clean production, and clean energy" to strengthen policy guidance; include the completion of green loan increments in comprehensive performance evaluation, give full play to the role of assessment batons, consolidate work responsibilities, refine assessment mechanisms, and regularly track work progress to promote the steady progress of green finance; improve incentive mechanisms, and give resources to green loans, clean energy industry loans, and carbon emission reduction loans in terms of loan pricing and scale. as of the end of august 2024, the balance of green finance loans was 8.498 billion yuan, an increase of 35.69% from the beginning of the year.
(iii) take the lead in responding to policies and do a good job in "pension finance"
as one of the first pilot banks, the bank took the lead in launching personal pension business in november 2022, continuously strengthening the construction of pension financial services, building an ecosystem of silver-haired economic scenarios, and helping "old age with support and reliance". actively carry out special actions to promote personal pension business such as "accumulate every bit, enjoy the happy age", "partners", and "appointment account opening"; continue to provide supporting pension financial products, provide personalized financial services such as financial planning, retirement planning, and insurance products to silver-haired customers, and meet the pension and health needs of silver-haired customers; actively set up a "golden osmanthus club" exclusively for silver-haired customers, create a series of activity scenarios, and strengthen comprehensive services for silver-haired customers. as of the end of august 2024, a total of nearly 13,000 personal pension fund accounts have been opened.
(iv) strengthen service efforts and improve “inclusive finance”
at the beginning of its establishment, zheshang bank positioned small and micro finance as a strategic business, and has always regarded the practice of inclusive finance and the support of small and micro development as its mission. it has now become a bright golden business card. deepen the promotion of scene inclusiveness, innovate and carry out the "marketing integration" transformation centered on customer groups, build a new model of scene-based services, extend the tentacles of inclusive financial services through real transaction scenarios, and provide all-round, digital and intelligent comprehensive financial services for small, medium and micro enterprises; increase the allocation of resources, continue to strengthen financial support for small and micro enterprises, and fully guarantee inclusive small and micro loan resources; increase inclusive efforts, reduce fees and profits for small and micro enterprises, and reduce the financing costs of small, medium and micro enterprises in all aspects. as of the end of august 2024, the balance of inclusive financial loans was 16.834 billion yuan, an increase of 5.86% from the beginning of the year, and won the top ten cases of financial services for the private economy.
(v) leverage online advantages and deepen the “digital finance”
actively integrate into the new wave of digital economy, continue to deepen the integration of financial technology and business, and further improve the quality and efficiency of financial services for the real economy through the two-way empowerment of "products + technology". continue to upgrade the digital service model of supply chain finance to solve the financing difficulties and pain points of small and micro enterprises upstream and downstream of the industrial chain; use the advantages of digital reform to iteratively upgrade the "1+5+1+n" comprehensive financial services for industrial parks, focus on helping enterprises in the park solve pain points and difficulties, and provide supporting services such as investment and loan linkage, equipment procurement, and credit cards to comprehensively improve the quality and efficiency of differentiated services. as of the end of august 2024, the balance of digital financial loans was 9.104 billion yuan, an increase of 50.25% from the beginning of the year, and won the "points into gold" top ten digital finance cases.
implement the head office strategy and establish four major brands
the guangzhou branch of china zheshang bank fully implements the strategic deployment of the head office's good-quality finance and smart operation. according to the resource endowment, industry characteristics and customer groups of the greater bay area, it strives to launch the four major brands of "chain financing to benefit enterprises and support industries", "scenario inclusive service entities", "global financing and worry-free overseas expansion", and "good-quality standards and practice of original intentions" to help the high-quality development of the greater bay area economy. as of the end of august 2024, the balance of manufacturing loans reached 22.5 billion yuan, an increase of 30% from the beginning of the year, far higher than the growth rate of various loans.
(i) create the brand of "chain financing, benefiting enterprises and supporting industries"
relying on digital technology to continuously upgrade supply chain financial services, focusing on the "chain owner" customer group of key industrial chains of strategic industrial clusters in guangdong province, we have created differentiated financing solutions for ten industries (energy, construction, electricity, automobiles, communications, home appliances, etc.), and launched comprehensive supply chain financial services for all scenarios, all chains, and all products to help build a good industrial chain ecosystem. we have accurately grasped the two core directions of "platform control quota + core enterprise credit", focused on the core customer groups of central state-owned enterprises, listed companies to be listed, and leading enterprises in regional characteristic industries, increased support for the upstream and downstream of the industrial chain, and helped build a good industrial chain ecosystem. as of the end of august 2024, the supply chain financial service core enterprises exceeded 800, reaching more than 4,000 upstream and downstream small and medium-sized enterprises, with a business balance of 17.495 billion yuan, an increase of 8% from the beginning of the year. it is worth mentioning that the bank has carried out comprehensive cooperation with china southern power grid and is the only cooperative bank that has fully opened up the upstream and downstream supply chain business of the southern power grid industrial chain, and has accumulated financing of more than 15 billion yuan for the southern power grid supply chain enterprises.
the guangzhou branch of china zheshang bank held a press conference for the "pool chain world shanrong eight directions" asset pool to provide all-round services for the industrial chain.
2. polishing the brand of “scenario-based inclusive service entity”
at present, small and micro finance has become a "golden business card" of zheshang bank. based on the operating characteristics and risk characteristics of small and micro enterprises, a specialized team model, credit system, special products, system processes and risk control system specially suitable for small and micro enterprises have been established, and efforts have been made to improve the differentiated and special financial services of small and micro enterprises; full use of digital empowerment has been made to launch "smart loan", "easy loan for housing mortgage points" and "expiration transfer" and other flagship products to meet the "short, small, frequent and urgent" financing needs of small and micro enterprises, realizing online application, mobile investigation, self-service withdrawal and repayment, and simplified loan renewal operations, further improving the availability of small and micro financial services. as of the end of august 2024, the balance of national standard small and micro enterprise loans was 26.826 billion yuan, an increase of 11.17% from the beginning of the year.
the guangzhou branch of china zheshang bank visited the shaxi professional market in panyu to provide inclusive services to small and micro enterprises.
(iii) renewing the “global integration and worry-free overseas expansion” brand
following the trend of industrial globalization transformation, aiming at leading enterprises at the forefront of industrial overseas expansion, we have reconstructed the operating system through innovative establishment of cross-border direct sales teams, iterative introduction of industrial overseas supporting service solutions, and creation of typical business samples, etc., and helped overseas enterprises solve problems such as account period management, liquidity management, and capital (closed loop) management with the advantages of cross-border finance, and enabled enterprises to optimize the supply system and distribution system; through domestic guarantee direct loans and "cross-border asset pools" and other models, we have helped enterprises expand financing channels and reduce financing costs; actively served the development of new foreign trade formats, played the advantages of onlineization to promote market procurement business, and facilitated the expansion of overseas markets for small, medium and micro foreign trade enterprises; continued to focus on capital project services, obtained the qualification for capital project digitalization pilot, and solidly promoted the facilitation of capital projects. as of the end of august 2024, the international settlement volume and foreign exchange transaction volume reached us$27.741 billion and us$13.787 billion, respectively, up 125% and 135% year-on-year, and was once rated as an "excellent cross-border financial service institution."
the guangzhou branch of china zheshang bank held a manufacturing-themed salon event titled “global integration for worry-free expansion”.
(iv) building the brand of "good books and good labels to practice the original intention"
the bank promotes structural reform on the financial supply side from the perspective of social value, pushes finance to return to its original purpose, establishes the primary service function, embeds the gene of "goodness" into financial service scenarios, and builds an all-round "good finance" system through the implementation of "financial consultants", "county comprehensive financial ecological construction", "zhejiang bank charity standard" and "good book trust". in terms of financial consulting, the bank took the initiative to "hold the flag" and jointly provided comprehensive services with securities companies, law firms, clubs and other institutions, giving full play to the role of financial consultants as "financial soldiers of local governments", "financial family doctors of enterprises" and "financial management consultants of residents"; in terms of the construction of a comprehensive financial ecology in counties, it deepened the implementation of the "linping model" in guangdong, established special working groups in luopu, panyu, nanhai, foshan and songshan lake, dongguan, explored new paths for financial services to support high-quality economic and social development, and created a healthy, benign and dynamically balanced regional financial ecology; in terms of zhejiang bank's good standards, it selected "good" customers, focused on the company's overall responsibility, environmental protection, social responsibility, corporate governance and other aspects, formulated positive standards and negative lists, empowered good individuals with good thoughts and good deeds, supported the "three good customers" of good projects, good enterprises and good bosses, helped "good" customers grow and develop, and promoted the whole society to do good. in terms of rare book trusts, the bank launched the first rare book trust project in the bank that integrates the guangdong dragon boat ethnic culture and has lingnan characteristics. the rare book trust will be used to establish the xinji dragon boat charity fund, innovatively empowering enterprises to participate in charity and inherit chinese culture.
the guangzhou branch of china zheshang bank established the lingying entrepreneur club and financial advisory studio.
actively participate in public welfare and shoulder social responsibilities
the guangzhou branch of china zheshang bank holds high the banner of "finance + charity", actively fulfills its social responsibilities, carries out a series of heartwarming activities around education assistance, employee kindness, social welfare, branch services, and financial knowledge promotion, actively participates in charity activities, builds the zhejiang bank charity brand, and gives back to society with practical actions.
1. continue to promote the “one bank, one school” policy and provide educational assistance
education is the foundation of a century-long plan. the bank has independently and spontaneously promoted educational assistance as a long-term and lasting project to fulfill its social responsibilities. since establishing a "one bank, one school" paired assistance relationship with the central primary school of gangmen town, suixi county, zhanjiang city in 2020, it has donated and sponsored basketball courts, library reading rooms, sports specialty classes and other projects, and carried out activities such as dental care, eye care, charity donations, and targeted student aid. it provides all-round support from improving teaching conditions, improving education quality, and changing students' mental outlook, with a total investment of more than 1.2 million yuan. the assisted primary school has been rated by the guangdong provincial department of education as a demonstration school for myopia prevention and control for children and adolescents in guangdong province, a basketball promotion school, a green school, etc., and has achieved tangible assistance results.
the guangzhou branch of china zheshang bank went to the central primary school of gangmen town, suixi county, zhanjiang city to carry out the "one bank, one school" opening ceremony consolation activities.
(ii) continue to promote employee kindness and create a culture of good deeds
small kindnesses add up to great love. the bank vigorously promotes the "employee kindness plan" and establishes the "songhua kindness studio" to guide employees to actively participate in public welfare undertakings and promote the financial service team to do good. caring for city builders, it has organized public welfare drink donation activities for 9 consecutive years, providing mineral water and heat-relief medicines to workers in high temperatures, and has donated more than 100,000 bottles of mineral water in total; actively participated in volunteer services and blood donation activities, and was highly recognized by the local government and streets, and was awarded the "annual outstanding social welfare bank" in the guangzhou financial industry and the southern public welfare communication award and other honors.
3. provide heartwarming services and serve the society sincerely
heartwarming service, spreading love. we have introduced elderly-friendly financial services by adding elderly-friendly facilities to our outlets, optimizing the experience of using mobile banking, and providing door-to-door services. we have actively carried out education and popularization of elderly financial knowledge, fully protected the financial security of the elderly, strengthened the basic and security nature of finance, and created a "caring bank" with warmth and feelings. we have actively carried out public welfare education on consumer protection, solidly promoted the popularization of financial knowledge, and effectively improved the anti-fraud capabilities of the "old, young, and new citizens". we have carefully created and widely publicized educational videos on online loan fraud, improved the coverage and effectiveness of financial knowledge, and helped build a harmonious financial consumption environment.
"the third plenary session of the 20th cpc central committee sounded the clarion call of the times to open up broad prospects for chinese-style modernization by further comprehensively deepening reform. china zheshang bank will comprehensively carry out comprehensive and coordinated reforms centered on customers. we will fully carry out reform and transformation, and contribute more financial strength and show greater achievements to the high-quality development of guangdong's economy with a higher position, more practical measures and better services." said mo xiaofeng, party secretary and president of the guangzhou branch of china zheshang bank.
information
