Our reporter Wang Kejin reported from Beijing
Industrial parks are an important carrier for upgrading the energy level of the real economy, an important platform for cultivating new industrial momentum, and play a key role in promoting high-quality economic development.
Industrial parks are not only the main battlefield of economic construction, but also the main channel of the real economy of financial services. Relying on its own development advantages, each bank continues to extend the service radius of the park's finance.
Industry analysts believe that with the development and growth of the mainland park economy, the park has a broad financial space. Financial institutions need to expand the depth and breadth of financial and non-financial services according to the characteristics of the survival and development of enterprises in the park, according to industry attributes and industrial attributes, and taking comprehensive empowerment as the starting point.
Differentiated financial supply helps the high-quality development of the park
In recent years, as an important carrier of industrialization and urbanization in the mainland, industrial parks have made important contributions to economic and social development.
According to the "2022 Top 100 High-quality Development Research Report" and Top 100 High-quality Development of Parks (2022) released by CCID Consulting Park Economic Research Center, among the top 100 parks in 2022, there are 48 parks with a GDP of more than 100 billion yuan, 65 parks with more than 300 high-tech enterprises, and 40 parks with an import and export volume of more than 50 billion yuan. Among them, 53 national-level high-tech zones on the list, with enterprise operating income of 334773 billion yuan, accounting for 78% of the operating income of enterprises in all state-level high-tech zones. The actual utilization of foreign capital in the 47 national-level economic development zones on the list reached US$31.8 billion, accounting for 52% of the total utilised foreign capital in all national economic development zones, and the Matthew effect is being released.
The reporter of "China Business News" learned from Industrial Bank that in recent years, the bank has taken park finance as one of the new tracks of key layout, promoted the integration of green development concept and park finance, promoted the development of the park's financial ecology from the dimensions of industrial park development and construction, stock upgrading and transformation, and integration and complementarity of park and environmental governance, and promoted the green transformation and upgrading of the industry. IB also intervenes in the development and construction of circular economy industrial parks, supports local governments to build benchmark cities for domestic waste treatment from the source of urban green governance, and ensures the sustainable and efficient use of land resources in the park.
In addition, the reporter also learned from Zheshang Bank that the bank uses the financial advisory system to help promote the development of the park. It is reported that the financial consultants of Zheshang Bank are positioned as "financial family doctors" of enterprises, "financial children" of local governments and "financial planners" of residents under the background of common prosperity, and professionals of financial institutions enter enterprises to carry out comprehensive financial services. Through the "1" of financial advisory, the "N" synergy formed by different financial institutions, lawyers, accounting firms, etc. behind financial advisors is linked.
In terms of park finance, Zheshang Bank has created comprehensive characteristic services for financial consultants throughout the life cycle of the industrial park, innovated and upgraded the comprehensive financial services of the industrial park, focused on promoting the "1+5+1+N" comprehensive financial services for financial consultants throughout the life cycle, used the advantages of digital reform, continuously innovated and iterated on N, focused on helping enterprises entering the park solve pain points and difficulties, and provided services such as investment and loan linkage, equipment procurement, credit cards, etc., and continued to improve the quality and efficiency of differentiated services.
Balance financial innovation with risk prevention and control
As an important carrier and component of industrial clusters, the economic effect of industrial parks has attracted more and more attention. The park economy is an emerging market competitor that adapts to the innovation, humanism, ecology, modernization and internationalization of the current market economy, and is the modernization, characteristics and socialization of regional economic subjects. The industry expects that with the development of China's economy, the park will become the main carrier platform for local economic development.
In this context, financial institutions serve the real economy, and parks are indispensable. "As an important carrier of regional economic development, investment attraction and high-tech development in the mainland, industrial parks play an important role in promoting factor agglomeration, efficient allocation and regional economic development. By promoting finance, increasing the support for economic development services of industrial parks will help optimize the allocation of market resources, promote the rapid development of advanced technology industries, and promote the high-quality development of the mainland economy. Zhou Maohua, macro researcher of the financial market department of China Everbright Bank, said.
Yang Haiping, researcher of the Institute of Securities and Futures of the Central University of Finance and Economics and general manager of the research and development department of the Bank of Inner Mongolia, analyzed the characteristics of park finance in an interview with this reporter: "First, park enterprises have the characteristics of surviving around specific industrial agglomeration, which is suitable for banks to obtain customers in batches, and suitable for banks to customize comprehensive service plans in accordance with the principle of 'one park, one policy'; second, the financial risk control of the park has a certain dependence on the park management committee, the smart park system or the park operator; Third, the trend of the park's development in the direction of greening and intelligence is more obvious, so the park's financial innovation is more active. ”
At the same time, Yang Haiping also pointed out the difficulties and challenges in the current mainland park finance. "The development degree and development stage of various types of parks are different, some parks do not have enough settled entities, and some park settled enterprises have poor overall operation, and banks need to choose the timing and service content of intervention according to the industrial situation of the park and the actual situation of the settled entities."
In view of this, Yang Haiping suggested: "In view of the characteristics of industrial enterprises agglomeration in the park, banks can take the finance of the park as the focus of corporate business. Aiming at the precise investment promotion of the park, accelerate the linkage of investment and lending, and develop investment banking + commercial banking business; In view of the trend of digitalization of parks, explore the integration of open banking into the park ecology, connect smart park platforms and park settled enterprises with industrial platforms, configure financial service products, and provide financial + non-financial services; In view of the characteristics of the clustering and survival of enterprises in the park, according to the attributes of the industry and the industry, and taking comprehensive empowerment as the starting point, expand the depth and breadth of financial services and non-financial services. ”
"The park is mainly dominated by small and medium-sized enterprises, and the park makes efficient use of resource elements through the industrial chain cluster method, and at the same time, many small and medium-sized enterprises belong to innovative enterprises, which requires financial institutions to innovate financial services and products according to the characteristics of different park industries and enterprises." Zhou Maohua believes.
Risk management is the foundation of financial services. Park finance has its own characteristics, and Zhou Maohua analyzed: "In terms of park financial risk management, banks need to rely on the park's ecological environment and platform to effectively reduce information asymmetry; With the help of big data, artificial intelligence and other digital technologies, the risk management efficiency of financial institutions is empowered by massive data analysis of enterprise production and operation; At the same time, through strengthening the coordination and cooperation of banks, insurance, various funds and other institutions, effectively share risks and improve corporate financing capabilities. ”
(Editor: Zhu Ziyun, Proofreader: Yan Jingning)