Inclusive finance is like a clear spring, becoming the "source of living water" for the development of small and micro enterprises, an important force to stimulate the vitality of small and micro enterprises, promote the growth and expansion of small and micro enterprises, and fully demonstrate the inclusive value of finance.
Bank of Beijing closely links its own development with the growth of small and micro enterprises, takes it as its mission to support inclusive financial business, closely follows the national strategy, implements regulatory requirements, creates a unique path for the development of inclusive financial services, enhances the depth, breadth and temperature of inclusive financial services for small and micro enterprises, continuously improves service capabilities, and contributes to supporting the development of the real economy and building a new development pattern.
As of the end of September 2021, the balance of inclusive financial loans of Bank of Beijing was 125.348 billion yuan, an increase of 39.47% year-on-year, and the average growth rate of inclusive small and micro loans reached 30% for many consecutive years since 2018. The number of inclusive customers exceeded 150,000, an increase of 127,000 from the beginning of the year, an increase of 550%.
Deeply cultivate inclusive finance
Guided by the national development strategy, Bank of Beijing is committed to deepening inclusive finance around the overall development of the capital. In 2021, the small business division will be renamed as the inclusive finance department, the strategic positioning of the development of inclusive financial business will be clearer, the inclusive financial services will be more focused, the professionalism and diversity of inclusive financial services will be further improved, and the financial service system for small and micro enterprises will be more effectively and comprehensively built.
Since its inception, Bank of Beijing has established the development positioning of "serving small and medium-sized enterprises", as early as 2007, it launched the "Little Giant" SME financing service brand with the core concept of "Little Giant", creating a "Little Giant" product system covering the entire enterprise life cycle of start-up, growth and maturity, and more than 50 kinds of products, and accompanied by small and micro enterprises on the road to growth.
At the same time, in order to alleviate the financing difficulties and expensive problems of small and micro enterprises, the Bank of Beijing continued to increase the investment of first loans, renewal loans and credit loans in combination with the characteristics of the capital needs of small and micro enterprises. Settled in the Beijing Municipal Loan Service Center, actively participated in the Beijing Financial Support "Stable Enterprise", "Employment Protection" and Changrong Project, carried out the Beijing Municipal Loan Service Center "Credit Easy Financing" Bank-enterprise Docking Series of Activities with the Bank of Beijing, visited "Zero Credit" enterprises, and continued to increase the marketing efforts of first loan customers. Make good use of the inclusive small and micro credit loan support plan, and increase the credit loan for small and micro enterprises.
In addition, Bank of Beijing takes the initiative to dock the financial service needs of enterprises, on the one hand, it actively publicizes preferential policies to eligible inclusive small and micro enterprises to ensure the implementation of various government support policies; on the other hand, it increases the promotion of product development such as loan renewal, and continues to improve the level of refined management, strictly controls all aspects from marketing to loan issuance, and improves work efficiency.
Build a digital service platform
Digital transformation is a major strategy of Bank of Beijing in recent years. Bank of Beijing continues to strengthen the digitalization and technological characteristics of inclusive financial services, develop and promote new inclusive financial products, and more effectively and comprehensively build a sound financial service system for small and micro enterprises.
Digital technologies such as Internet +, big data and so on have given new support to the "universal" change, and "big data" has broadened the space of "benefit" with its advantages of high service efficiency and low cost, and the inclusive financial business has thus inserted the wings of science and technology. Driven by technological innovation, Bank of Beijing comprehensively utilizes mobile Internet, big data, artificial intelligence and other technologies to achieve the results of inclusive finance enabled by science and technology.
It is reported that the Bank of Beijing fully grasps the characteristics of small scale, large number of business transactions and fast financing frequency of inclusive business, strengthens scientific and technological empowerment, reduces costs and increases efficiency through batch operations, and provides enterprises with lower prices and higher quality financing services.
On September 28, 2021, in order to further upgrade inclusive financial services and comprehensively improve service quality and efficiency, Bank of Beijing launched a new exclusive APP for inclusive finance "Bank of Beijing Beijing Butler", and simultaneously launched the online product "Inclusive Quick Loan" for the public full process, opening a new era of inclusive butler services.
In addition, Bank of Beijing starts from the source of inclusive services to create an inclusive customer platform. The use of the Internet, big data, artificial intelligence, biometrics and other technical applications to empower inclusive finance with "digital, platform, ecology"; the establishment of a public online lending platform, as an exclusive operating platform to support the development of inclusive business, the platform uses big data risk control to create a "offline + online, artificial + intelligent, traditional + innovative" service model and middle office system; deeply cultivate inclusive finance, continue to explore on the road of promoting digital transformation, and develop and build the first domestic silver-duty online system.
Build professional products and teams
Operating enterprises such as ships on the sea will face various uncertainties, especially small and medium-sized enterprises have weak anti-risk capabilities, but the inclusive financial services of Bank of Beijing often play a role in sending charcoal in the snow, helping and accompanying enterprises to tide over difficulties.
Since the outbreak of the epidemic in 2020, the situation and challenges facing the development of inclusive finance have become more complex. Relying on a professional and inclusive financial service team, Bank of Beijing will focus on supporting wholesale and retail, accommodation and catering, logistics and transportation, cultural tourism and other industries that have been greatly affected by the epidemic, as well as enterprises with development prospects but temporarily trapped, to tide over the difficulties with enterprises.
Professional, accurate, sinking to the customer's side, bank of Beijing in order to improve the professionalism of services, closely follow the economic development dynamics of small and micro enterprises, strengthen the intensive management of small and micro business before and after, adhering to the principle of simplicity and speed, optimize the approval process, improve the service efficiency of inclusive finance, ensure the normal operation of enterprises during the epidemic period, and promote the process of small and micro enterprises to resume work and production.
At the same time, in order to actively respond to the impact of the new crown epidemic and help small and micro enterprises tide over the difficulties of the epidemic, bank of Beijing has innovatively launched the exclusive credit product "Jingcheng Loan" for small and micro enterprises from the consideration of the actual plight of small and micro enterprises, and joined hands with small and micro enterprises affected by the epidemic to overcome difficulties together.
On the first day of the Spring Festival holiday on February 3, 2020, the first "Jingcheng Loan" loan was completed, and the urgent needs of small and micro enterprises were fully solved.
The positioning of "Bureau Gas Restaurant" as "homely unusual, authentic Beijing flavor" once swept the Internet and became popular in Beijing, but under the impact of the epidemic, all 23 dine-in restaurants in Bureau Gas were suspended, and the income was almost zero, with a monthly loss of tens of millions of yuan. At the most difficult time, the Bank of Beijing reached out to alleviate the urgent need for cash flow shortages. Bank of Beijing used the "Jingcheng Loan" product to provide 26 million yuan of non-repayment renewal loans for Bureau Gas, while reducing the loan interest rate by 1 percentage point, saving financing costs for enterprises and helping Bureau Gas to smoothly get out of trouble.
Beijing Yongjiasheng Trading Co., Ltd. is a long-term service to major star hotels of the collection supplier, in the industry is quite influential. In 2020, the epidemic seriously affected the company's capital chain, and the company's operation once fell into a survival dilemma. At this critical juncture, Yongjiasheng has won a new target, and it is imperative to fill the funding gap and maintain the operation of the company. After learning about the plight and needs of Yongjiasheng, the Bank of Beijing has targeted a set of portfolio loans for it, which not only relieves the urgent need for the company, but also saves the cost of loans for the enterprise, which is called "raw deposit" by the enterprise.
As of the end of September 2021, Bank of Beijing has handled a total of 8,255 "Jingcheng Loan" businesses through non-repayment renewal, extension, adjustment of repayment, etc., providing credit funds of 62.46 billion yuan for small and micro enterprises, demonstrating its responsibility and responsibility as a financial enterprise in the capital.
In addition, in order to promote the characteristic development of inclusive finance, Bank of Beijing has set up 59 small and micro branch branches, including 26 science and technology branches and 22 cultural branches, to create a franchise model, and on the basis of "keeping the original heart, adhering to the heart, and using ingenuity", the Bank of Beijing has set up 59 small and micro branch branches, and has continuously improved the professional level of the inclusive financial service team and improved the coverage of inclusive financial services.
Strengthen the two "characteristic brands"
As a financial institution rooted in the capital, Bank of Beijing fully relies on the location advantages of beijing as an international science and technology innovation center and cultural center, actively promotes the close integration of financial resources with the capital's rich scientific and technological and cultural resources, builds a competitive advantage with characteristic services, and creates two bright business cards of science and technology finance and cultural finance in the industry.
In terms of science and technology finance, Bank of Beijing closely follows the pace of reform and development of the new third board market, tries first, and actively participates in various pilot work.
As of the end of September 2021, the balance of science and technology finance of Bank of Beijing was 165.35 billion yuan; the total credit fund for 30,000 technology-based small and medium-sized enterprises was 700 billion yuan, and the transformation of scientific and technological achievements with financial living water irrigation boosted industrial upgrading.
In particular, after the establishment of the Beijing Stock Exchange, the Bank of Beijing responded at the first time, and among the first batch of listed enterprises on the Beijing Stock Exchange, 18% of the national corporate customers served by the Bank of Beijing and 73% of the corporate customers in the Beijing area.
On December 10, 2021, Bank of Beijing signed a tripartite strategic agreement with the National Equity Transfer Company and the Beijing Stock Exchange, in which the three parties will make full use of their respective resources and professional advantages to establish bilateral and multilateral exchange mechanisms and carry out in-depth and extensive cooperation in comprehensive financial services, listing and listing cultivation, corporate credit financing, product investment, and innovative research.
It is understood that in the future, Bank of Beijing will seize the strategic opportunity of the establishment of the Beijing Stock Exchange, support the innovative development of small and medium-sized enterprises, help cultivate high-quality listed companies, and create a "Beijing Bank model" that serves the construction of Beijing International Science and Technology Innovation Center and the high-quality development of Beijing's real economy with an upgraded version of science and technology financial supply.
In addition, in terms of cultural finance, Bank of Beijing has set up a cultural finance leading group, a cross-business line working group, and established a cultural and creative financial business headquarters and the first cultural maker center.
In 2020, Bank of Beijing will add a cultural finance center to build a comprehensive service platform for market research, policy formulation, marketing expansion and risk management, study and formulate a cultural finance characteristic assessment system, and encourage the innovative development of cultural finance. Actively support the development of cultural and creative industries, and explore a unique cultural financial service path through product innovation, model optimization, mechanism reform, etc.
Not only that, Bank of Beijing has continued to strengthen the innovation of cultural financial products, launched cultural financial products such as "Cultural and Creative Inclusive Loan" and "Cultural IP Pass", and launched the exclusive financial service program of the "Jingcai Wenyuan" Cultural Industry Park and the exclusive product of "Wenyuan Loan".
On April 26, 2021, Bank of Beijing, the Publicity Department of the Beijing Municipal Party Committee, the People's Government of Xicheng District and the China Copyright Protection Center jointly signed the Strategic Cooperation Agreement on Supporting the Construction of Beijing Copyright Asset Management and Financial Service Center, jointly building the Beijing Copyright Asset Management and Financial Service Center, innovating the financial service mechanism with copyright assets as the core, and fully promoting the construction of the country's first copyright financial franchise branch to help the healthy development of cultural enterprises. It has supported many outstanding film and television works such as "Chosin Lake", "King Kong Chuan", "Win the Championship", "Send You a Little Red Flower", "Hello, Li Huanying", etc., and has always stood in the front line of the innovation and development of the service cultural industry, and has provided more than 360 billion yuan of funds for nearly 9,700 cultural and creative enterprises. As of the end of September 2021, the balance of cultural finance loans reached 72.3 billion yuan.
In the face of the new situation and new requirements, the relevant person in charge of the Bank of Beijing said that it will always keep in mind the mission, take it as its responsibility to support small and micro enterprises, continue to optimize the supply of inclusive finance with high-quality and efficient advanced technology, continuously deepen the financial services of small and micro enterprises with the spirit of dedicated and dedicated craftsmen, and grow together with small and micro enterprises while fully serving the high-quality development of the real economy. (Jennings)
Edit: Shi Yan