At the beginning of 2024, the provincial high-quality development conference held in Shenzhen proposed that in order to unswervingly take the road of high-quality development, we must grasp the "bull's nose" of scientific and technological innovation; The development of new quality productive forces depends on innovation and industry.
The progress of science and technology and the development of industry are inseparable from the strong support and service of finance, and serving the real economy is the foundation of finance. As a personal financial life service group with the most complete financial licenses and the most extensive business scope in China, Ping An has been "proofing" inclusive finance and financial services for the real economy for a long time. What is Ping An's practice in providing financial services for the high-quality development of the real economy? How can it be widely recognized and liked by customers? With questions, the Jingbao reporter recently visited relevant enterprises in provinces and cities to find out.
▲ GAC Aion's new energy vehicles on display.
Serve the "intelligent" manufacturing industry and be a good "money partner"
"You can produce a new energy vehicle in 53 seconds, and up to 2,500 a day!" In the GAC Aion production workshop in Guangzhou, Cao Weibing, deputy general manager of GAC Aion New Energy Automobile Co., Ltd., told reporters.
In 2023, GAC Group will sell 2.5 million vehicles, and the new energy brand Aion will sell 480,000 vehicles, ranking third in China.
As the leading new energy vehicle company in Guangdong, GAC Aion is a "leader" in China's automobile manufacturing industry with its excellent independent innovation technology and market performance.
In the exhibition hall of GAC Aion headquarters, a series of super cool innovative brand models feasted the eyes of reporters. Perhaps in the eyes of laymen, today's new energy vehicles are very "volume", but they don't know that the entire new energy vehicle track is a process of continuous R&D investment and continuous iterative progress of technology. According to the on-site staff, in recent years, GAC Aion has continuously increased its investment in research and development of core technologies, successfully broken through a number of key technical barriers, and realized the independent and controllable core technologies.
▲GAC Aion exhibited the high-end electronic and electrical architecture of new energy vehicles.
"Especially in the field of battery technology, GAC Aion took the lead in launching innovative products such as magazine batteries and ultra-fast battery technology, which greatly improved the productivity of new quality and won a significant competitive advantage for the company." Cao Weibing said.
It is worth mentioning that GAC Aion has accelerated the localization process of the company's key components and enhanced the overall competitiveness of the domestic supply chain through cooperation with upstream and downstream enterprises in the industrial chain.
He said frankly: "In this process, from 'Made in China' to 'Made in China' transformation and upgrading, financial support is particularly important, if enterprises want to quickly have core competitiveness and quickly occupy the market, continuous investment in the field of research and development is inevitable!" ”
Ping An Bank Guangzhou Branch fully explored the financing needs of various scenarios in the automotive industry chain, and created products such as car e-loans and order financing to meet the financing needs of dealers and suppliers. Among them, the car E loan microcredit loan can be completed online.
Not only that, Ping An Bank, together with Ping An Leasing and Insurance Capital, also provides GAC with a combination of bank funds, battery installment leasing, and insurance capital equity investment services to help the company's high-quality development.
Sinking financial services "small tangerine peel" also has "big articles"
In Xinhui, Guangdong, the well-known "hometown of tangerine peel", the reporter came to Gude Ecological Farm to meet Mr. "post-90s" farm advocate: inch-headed, tall, slightly dark skin, maybe often tanned by the sun. The reporter learned from the interview that he was a returnee who studied in Australia in his early years, majoring in chemistry.
Why did you return to your hometown to start a business? He said, "I grew up in the countryside, although I later went to study abroad, but after graduation, I still wanted to return to my hometown to start a business, coinciding with the country's vigorous promotion of rural revitalization, so I decided to engage in agricultural planting as my own career, starting to plant tangerine oranges in 2017, and the planting area has reached 800 acres so far." ”
▲The tangerine peel mandarin on the farm is growing well.
The reporter learned from Mr. Zhang's mouth that engaged in the tangerine peel industry, from October to December every year, is in the most urgent need for capital turnover, because this period is the season of citrus harvest, farmers will hire a large number of employees during this time to pick citrus fruits, open the skin, dry the skin, etc.; At the same time, he buys more tangerine peels from other small-scale farmers for storage or resale.
The account manager of Ping An Bank Jiangmen Branch learned about Mr. Zhang's financing needs through on-site visits and visits, but it was relatively difficult to obtain effective financial support from the bank due to the low value of local collateral, so he recommended a small and micro business loan for him, with a limit of 1 million yuan, which could be borrowed and repaid at any time, with high flexibility, which really solved his urgent need.
In the Xinhui area, some small and micro enterprises will also focus on the integrated operation of tangerine peel production and marketing. The reporter came to the tangerine peel production and marketing base of Fengshan Shuixi Co., Ltd. not far from the Gude Ecological Farm, and could smell the aroma of tangerine peel from a distance, and at a glance hundreds of square meters of space were full of valuable dried tangerine peel.
"These tangerine peels can be worth millions (tens of thousands)," said Liang Junfu, the head of the company, humorously.
Liang Junfu was the first local business owner to receive a "tangerine peel loan" from Ping An Bank.
He said: "Three years ago, I received 500,000 yuan in financial support for the first time I applied for a loan from Ping An Bank. Nowadays, engaged in the production and marketing of tangerine peel, the capital demand cycle will be longer, starting from July to the end of the year every year, the pressure is not small, thanks to Ping An Bank for its continuous financing support. ”
In the reporter's view, the Guangzhou branch of Ping An Bank closely follows the layout of the local industry and sinks into the financial services quite powerfully. Focusing on key areas and customers such as modern agricultural industry, leading agricultural enterprises, and characteristic industries of "one town, one industry, one village, one product", they implement customized solutions for one village and one policy through the "Ping An Benefiting Agricultural Loan".
Among them, the Ministry of Inclusive Finance conducted an in-depth investigation of the tangerine peel industry in Jiangmen, and customized the "tangerine peel loan" scheme for growers according to the characteristics of tangerine peel planting, which converted tangerine peel into operating assets, identified the value of hidden assets such as fruit trees and land of growers, and helped farmers and small and micro business owners revitalize their assets and help the growth of business scale.
"Simplify business processes and procedures, improve the efficiency of financial services through scientific and technological means, and create an integrated 'online + offline' account opening process, so that customers do not need to fill in forms, do not carry, run away, and wait less, which is well received by customers." The person in charge of the inclusive finance department of Ping An Bank Guangzhou Branch told reporters.
The person in charge emphasized: "Whether it is benefiting enterprises or farmers, Ping An Bank Guangdong Branch has always adhered to the guidance of party building, practiced the political and people's nature of financial work, focused on the pain points and difficulties of manufacturing development, provided all-round comprehensive service support with professional products and services, and actively served the transformation and upgrading of the manufacturing industry of enterprises to help enterprises develop with high quality."
▲ tangerine peel stored in the production and marketing base.
Indirect financing benefits enterprises and "adds wings" to the quality and efficiency of small and micro entities
Over the years, Ping An Leasing has given full play to the advantages of "financing + financing" to fully support the development of small, medium and micro real economy industries.
Guangdong Zhaoming Electronics Group Co., Ltd. (hereinafter referred to as "Zhaoming Electronics"), located in Chang'an Town, Dongguan, chose to cooperate with Ping An Leasing as early as 2015.
The reporter saw in the Zhaoming Electronics Factory that dozens of devices printed with "Ping An Leasing" were running non-stop, continuously outputting precision structural parts such as various molds, tools, consumer electronics, computing infrastructure hardware, and new energy batteries.
Talking about the first happy cooperation between the two sides, Min Bo, executive director of Zhaoming Electronics, recalled: "In 2015, the company was in the stage of expansion and development, due to the growth of downstream orders, it was necessary to purchase a batch of die-casting machines and supporting manipulators to increase production capacity and improve the degree of automation. Because Ping An has a high reputation in the market, diversified products, good services, and can continue to extend credit in the subsequent development process of the enterprise, the company immediately decided to cooperate with Ping An. ”
▲ Zhaoming Electronics' safe rental equipment.
In the early stage of cooperation, Ping An Leasing also conducted in-depth research and found that the development prospects of consumer electronics, computing infrastructure hardware, new energy batteries and other fields are good, the market scale is large, and the precision parts products made by the enterprise transformation have high technical content and lower energy consumption, which have more obvious market advantages. The key problem is that the enterprise has a large demand for funds in updating equipment and purchasing raw materials, and Ping An Leasing has brought high-quality production equipment and working capital to customers by relying on equipment in the form of financial leasing after fully understanding the business situation, R&D capabilities and market prospects of terminal products of Zhaoming Electronics.
The relevant person in charge of Ping An Leasing told reporters that from the initial production capacity prompt of Zhaoming Electronics to the subsequent successful transformation, Ping An Leasing has provided continuous support, and has successively completed 20 financing of more than 100 sets of new production equipment for customers, with a total amount of more than 20 million yuan.
"In recent years, through the cooperation with Ping An Leasing Company, the company has reached an unprecedented height of development, and the new quality productivity is expected to reach a higher level, and the company is currently preparing for IPO." Min Bo revealed.
According to relevant data, as of December 31, 2023, Ping An Leasing has cooperated with nearly 30,000 small and micro finance equipment vendors, serving nearly 70,000 small and micro enterprises in 31 provinces and municipalities across the country, with a cumulative investment scale of more than 85 billion yuan.
▲Ping An leasing equipment in Zhaoming Electronics Plant operates efficiently.
Ping An has always adhered to its main financial business, actively fulfilled its social responsibilities, and provided high-quality financial services for the development of the real economy. By the end of 2023, Ping An had invested more than 8.77 trillion yuan to support the development of the real economy.
Ping An said that the company will continue to contribute to the high-quality development of the real economy and accelerate the construction of a financial power.
Source: Jingbao APP
Reporter: Zeng Lingsong
Editor: Chen Zhangwei