On April 28, 2002, huaxia was full of vitality and the development of the western region was in full swing, and Huaxia Bank rode the east wind of Sichuan's leapfrog development to enter the country of Tianfu, opening the prelude to building a dream of Chengdu.
After 20 years of hard work, Huaxia Bank Chengdu Branch has realized the business from scratch, the scale from small to large, the operating strength from weak to strong, the staff team continues to grow, and gradually formed characteristics and advantages in mainstream economic services, green finance, inclusive finance, retail business development and other fields, and the service radiation radiation 18 cities (states) in the province. In the past 20 years, it has more than 700 employees, 24 branches, a number of community branches, a total asset under management of more than 220 billion yuan, providing various financial services for more than 20,000 enterprise customers, 500,000 individual customers, more than 9,000 small and micro enterprises, and has invested nearly 620 billion yuan in and out of Sichuan with a total of nearly 620 billion yuan of financing inside and outside the table, which has strongly supported the economic and social development of Sichuan Province and won wide recognition from party committees and governments at all levels, regulatory departments and all sectors of society.
Adhere to the origin and serve the national strategic development
In the context of the "Belt and Road" initiative, the construction of the Yangtze River Economic Belt, the development of the western region, the twin-city economic circle in Chengdu-Chongqing region, and the development of Chengde Mei capital, Huaxia Bank Chengdu Branch closely follows the pace of the local economy, timely adjusts the business strategy and development direction, focuses on supporting a number of high-quality enterprises and major projects, and supports the construction of park cities and the high-quality development of Sichuan's economy.
Seize the opportunity, accurately exert force, and actively integrate into the construction of the twin-city economic circle in the Chengdu-Chongqing area. Huaxia Bank Chengdu Branch boosted the construction of Nanchong's "one street, one beach and two bases", supported the development of Chengde Meizi and the same city, supported the construction of provincial-level new districts, and signed a 10 billion yuan strategic cooperation agreement with Sanjiang New Area in Yibin City. In 2021, Huaxia Bank's main branch approved a total of 126.295 billion yuan of credit for large, medium-sized and micro enterprises at both levels, of which 124.19 billion yuan was granted to customers in the Sichuan region of the Chengdu-Chongqing Twin Cities Economic Circle, accounting for 98.33%, and the types of credit covered traditional on- and off-balance sheet credit business, debt financing instruments, medium-term notes, etc.
Multi-angle and multi-level, serving major projects and high-quality enterprises. As a star enterprise with diversified development, Tongwei Group and Huaxia Bank Chengdu Branch joined hands in 2005, from working capital loans, international letters of credit, bank acceptance drafts, to large amounts of enterprise credit, small and micro network loans, in the past 17 years, the cooperation between the two sides covers agriculture, photovoltaic and other business sectors, while driving the development of upstream and downstream merchants of Tongwei Group, achieving a win-win situation for banks and enterprises.
Make efforts to green finance and practice the development of a dual-carbon economy. Huaxia Bank Chengdu Branch actively serves the national goals of "carbon peaking" and "carbon neutrality", rushes to run a new track of green finance, vigorously develops green financial business, strives to innovate products and financial service models, and creates a financial brand of "Green Building Beautiful Huaxia", adding color to this park city under the snowy mountains. In recent years, Huaxia Bank Chengdu Branch has invested a total of 8 billion yuan in the green field, and the balance of green loans has exceeded 5.6 billion yuan so far, supporting more than 50 enterprises.
Use the two markets to accelerate the pace of "internationalization" of Sichuan enterprises. Up to now, through trade settlement, import and export financing and other businesses, Huaxia Bank Chengdu Branch has cooperated with customers in more than 20 countries along the "Belt and Road".
Use digital finance to improve business facilitation. The bank adheres to the strategic vision of "smart finance, digital Huaxia", relies on "online", "scenario-based" and "intelligent" to accelerate digital transformation construction, continuously innovates products and services, and uses artificial intelligence, RPA robots and other technical means as tools to drive process optimization and improve the efficiency of customer business handling.
Deeply cultivate inclusive and help small and micro services to people's livelihood
Financial activities, economic activities; enterprises prosper, economic prosperity. As the main economic cell of the whole society, the development of small and medium-sized micro enterprises, which accounts for more than 90% of the number of enterprises, is related to the development prospects of the entire economy. In the past 20 years since entering Sichuan, Huaxia Bank Chengdu Branch has always adhered to the original intention of "financial service provider for small and medium-sized enterprises", adhered to the original intention of inclusiveness, not only "small", dared to be "first", and did a good job in precise drip irrigation of financial nectar with continuous innovation of products and services.
In 2010, according to the strategic deployment of the Sichuan Provincial Party Committee and the Provincial Government to "build the golden triangle of Chinese liquor" and "build Sichuan liquor into a 100 billion industry", the bank innovated and launched a special product, which was rated as "2010 Sichuan Banking Financial Institution Small Business Financial Service Feature Product".
In 2015, in order to support the development of high-tech enterprises, the bank cooperated with the subordinate units of Chengdu Science and Technology Bureau to build a banking platform and innovatively launched "science and technology innovation loans", which was one of the few banks that mainly supported high-tech enterprises with credit loans at that time, and participated in supporting a number of high-growth and high-quality local enterprises.
In 2019, the innovative sales revenue verification method, supplemented by trademark rights, inventory and other forms of guarantee, launched an exclusive credit loan product "Douban Loan", which effectively solved the financing difficulties of Douban enterprises and was selected as "Typical Case of Inclusive Finance in China's Banking Industry (2021)"
Vigorous transformation, innovative services to accelerate the development
In the past 20 years of growth, Huaxia Bank Chengdu Branch has always adhered to the customer-centric business philosophy, committed to providing high-quality and efficient retail financial services, and constantly innovating and making breakthroughs.
From the first female-exclusive debit card, to the gold, platinum, diamond and credit cards covering all kinds of people; from the first RMB wealth management, to structured deposits, annuity insurance, family trusts; from the first acquirer merchant, to the "Huaxia Red" brand deeply cultivating various professional markets; from issuing the first housing mortgage loan, to the balance of personal loans exceeding 10 billion yuan... Over the past 20 years, Huaxia Bank Chengdu Branch's retail business has covered credit cards, personal loans, merchant acquiring, wealth and private banking management. Up to now, the bank has issued more than 590,000 debit cards and more than 600,000 credit cards.
In 2014, we tried to set up five professional lines of trading, personal loan, ETC, wealth management, and small and micro enterprises, and set up professional teams to provide professional financial services for specific customer groups and take the road of specialization.
After the launch of the second transformation in mid-2019, it will further improve service efficiency through an intensive, process-oriented and standardized "credit factory" model; provide comprehensive financial services for high-net-worth customers; and expand non-financial services such as social circles, partner seeking, and customized exclusive enjoyment.
Have the courage to take responsibility and actively fulfill social responsibilities
Huaxia Bank Chengdu Branch has always placed its own development and historical mission in the overall situation of the country and the new development pattern, and practiced social responsibility with practical actions.
After the "5•12" Wenchuan earthquake, the "4•20" Ya'an Lushan earthquake and other disasters occurred, the cumulative approval of post-disaster reconstruction credit of more than 14 billion yuan, and the mobilization of employees in the system to "donate love" to the disaster area a total of more than 31 million yuan.
In 2015, the battle against poverty was launched in the country, and the bank took the initiative to assume the responsibility of the times, in Dege County, Ganzi Prefecture, Sichuan Province, 5 years, 5 village-based cadres, 6 million yuan of donations and infrastructure construction... It has helped 23,461 people in 102 poor villages and 5,651 households to achieve successful poverty alleviation, injecting "Chinese power" into targeted poverty alleviation.
Since 2020, the bank has actively responded to the impact of the epidemic, strived to stabilize the financial responsibility of enterprises to maintain employment, helped the "six stability" and "six guarantees", continued to reduce fees and profits, opened a green channel for credit, reduced the financing costs of small and micro enterprises, and continued to inject "Chinese temperature" into the resumption of work and production.
In 2021, the rural revitalization strategy will be fully implemented, supporting special credit policies, 350 million yuan of inclusive agriculture-related loans, focusing on supporting local characteristic industries. Select 2 outstanding young employees to go to Muli County to help in the village, practice the power of finance for good, and show responsibility.
Chengdu in April is full of vitality and everything is recovering. At the beginning of the new 20th century, Huaxia Bank Chengdu Branch will conscientiously implement the central economic and financial policies, closely focus on the deployment of the head office, implement the development concept of "innovation, coordination, green, openness and sharing", accelerate reform and innovation, strengthen comprehensive services, participate in Sichuan's economic construction at a higher level, larger scope and deeper field, and make new contributions to serving the high-quality development of Sichuan's economy!
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