Since the convening of the Central Financial Work Conference, CCB has conscientiously studied and comprehended the spirit of the conference, and with a high sense of political responsibility and mission, it has transmitted the tasks to the grassroots level in a step-by-step and hierarchical manner, and has done a good job in the "five major articles" with high-quality financial services. Cases of technology financial services from branches in Shanghai, Jiangsu, Fujian, Shandong, Sichuan, and Shenzhen demonstrated CCB's efforts to build a diversified technology financial service system for different life cycles of enterprises, injecting new momentum into the development of enterprises.
Shanghai Branch: To be a partner bank for the whole life cycle of enterprises
Founded in 1996, Shanghai Desano Pharmaceutical Group has four major business segments: antiviral APIs, vitamins and antibiotics, small business trade, and preparations. After more than 20 years of development, Desano Group has now become the enterprise with the most approval documents for the production of anti-AIDS drugs in China, the only national anti-AIDS drug engineering technology research center in the industry, and one of the world's major anti-AIDS drug manufacturers and one of the major antiretroviral drug manufacturers in China.
Desano Group's main production base in Shanghai "Desano Old Port Base"
CCB Shanghai Branch has been working with the group since 1998. In 2001, Shanghai Disano Chemical Pharmaceutical Co., Ltd., a member of the group, transformed into pharmaceutical research and development, and Shanghai Branch issued the first credit loan of 80 million yuan to solve the company's urgent financial needs. With the technological progress of the enterprise, the Shanghai Branch has successively handled various products such as working capital loans, supply chain financing, project financing, trade financing, anti-epidemic loans, syndicated loans and other products for the group members, which strongly supported their rapid growth. In particular, in 2022, in order to support the production needs of anti-epidemic materials of Shanghai Desano Chemical Pharmaceutical Co., Ltd., the Shanghai Branch overcame difficulties and efficiently completed the internal declaration and loan delivery process in just one week, and issued a working capital loan of 95 million yuan to it, and in the same year, it gave full play to the synergistic advantages of mother and child, and linked CCB Equity to achieve an equity investment of 300 million yuan in Shanghai Desano Pharmaceutical Group Co., Ltd., the parent company of the group. In 2023, Shanghai Branch issued a loan of RMB 500,000 to Shanghai Desano Chemical Pharmaceutical Co., Ltd. through the pledge of carbon emission rights and the innovative value-added policy guarantee model provided by a third-party institution to help the company meet its needs for energy saving, carbon reduction and efficiency improvement. At present, most of the Group's member companies registered in Shanghai have opened accounts with CCB, accounting for nearly 70% of the settlement, and the number of payrolls exceeds 2,000, with high product coverage.
Over the past 25 years, CCB has grown from a small pharmaceutical raw material trading company in the start-up stage to a pivotal unicorn enterprise in the industry, from Shanghai to the whole country, from debt services to equity investment, and has grown together with enterprises to become a partner bank throughout the life cycle of enterprises.
Jiangsu Branch: "Smart Construction Site" makes construction more orderly
The construction industry is the largest industry in Qidong, Nantong, Jiangsu, and construction workers are known as "urban beauticians", watering the beauty of life with sweat, and should enjoy the feedback of poetic life while holding tools to make a living.
Since 2019, CCB Jiangsu Nantong Qidong Sub-branch has customized the "Smart Construction Site Supervision Service Cloud Platform" for Qidong Housing and Urban-Rural Development Bureau to meet the needs of the transformation and upgrading of the construction industry and construction site management, relying on technologies such as big data, the Internet, and artificial intelligence.
The platform is composed of five parts, including the basic layer and the communication layer, and sets up nine functions such as material monitoring, safety and quality management, and equipment management. Construction enterprises can carry out reminders, inspections, rectifications, and acceptance of the construction environment, safe operation, and project quality at any time through the cloud platform and mobile APP, so as to track the problem handling process and progress in real time.
The account manager of CCB Jiangsu Nantong Qidong Sub-branch promoted the use of the "smart construction site" system for construction workers
"With this platform, I can see the situation at any time and anywhere, and I feel much more at ease than before. The project manager of a construction site in Qidong, Nantong, said. "There are many projects under construction in Qidong, and the 'cloud platform' can not only help solve the troubles of many and scattered projects, tight on-site inspection personnel, and poor rectification, but also liberate manpower and material resources, reduce our management costs and improve efficiency. ”
The "smart construction site" is also equipped with an intelligent identification system for site access control, carries out real-name management of personnel, and comprehensively grasps information and data such as personnel access, attendance, and labor-management distribution. "In the past, what we were most worried about was that the boss would run away with money, and we would do it for nothing. Now, attendance is very open and transparent, and the platform networking allows us to know the salary trend in real time, so we don't have to worry about the problem of not being able to get paid. Construction worker Lao Li said with a smile.
In line with the requirements of sub-account management in the engineering field, the "smart construction site" plays the role of real-name supervision in response to the pain points such as the large and complex construction personnel and labor arrears disputes, effectively protects the rights and interests of construction workers, promotes the benign development of the entire industrial ecosystem and produces good social effects.
"Whether it is for our competent authorities or construction enterprises, the 'smart construction site' project is a new intelligent experience, which can not only rectify the dirty and chaotic phenomenon of the construction site in a timely manner through remote monitoring, but also reduce our management burden. The staff of the Qidong Housing and Urban-Rural Development Bureau commented.
While being affirmed by government departments and corporate customers, the "smart site" project has achieved a "double harvest" of social and economic benefits. In the past three years, Qidong has opened a total of 558 smart construction site accounts, with a cumulative amount of more than 3.5 billion yuan, accounting for more than 90% of the local market share.
Fujian Branch: "New Solution" of Financing
In the early summer, walking into the new factory of Fujian Maite New Aluminum Technology Co., Ltd., large machinery and equipment are running at full speed, from industrial aluminum profiles to high-performance aluminum used in the aerospace field, all kinds of aluminum profile products continue to "walk" down the production line, and the production boom is coming.
CCB's technology and financial services team visited Moitexin Aluminum to learn about the company's production situation
"Thanks to CCB's loan support, our new product 'Green Preparation of High-quality 6016 Aluminum Alloy Large Flat Ingot for Vehicles' was industrialized as scheduled, and the market response was very good after the product was launched. The relevant person in charge of the company said.
Keeping up with the wave of "intelligent transformation and digital transformation", Moirta New Aluminum has built a leading demonstration production line for green smelting of aluminum alloy in China, launched the digital platform of Moiset Aluminum Melting and Casting, promoted the green and intelligent aluminum industry, and won the title of National Specialized and New "Little Giant" Enterprise. With the launch of new products and the extension of the industrial chain, the company is facing the financing problem of mismatch between business turnover and term in the process of technology research and development and industrialization.
After learning of the needs of enterprises, CCB Fujian Fuzhou Chengdong Sub-branch took the initiative to connect with enterprises, actively applied for the "advanced manufacturing" white list for enterprises, explored the application of the scientific and technological innovation evaluation system to evaluate customers in a multi-faceted manner, and determined the quota through multiple dimensions such as orders, tax amounts, and collateral values, so as to provide enterprises with a technology start-up loan of 50 million yuan to help enterprises easily obtain low-cost funds.
CCB's "Technology Entrepreneurship Loan" supported Moirex Aluminium to develop the country's first green smelting demonstration production line for aluminum alloy
From taking the lead in creating a "technology flow" credit evaluation system that "does not look at bricks and patents", promoting the exclusive financing of science and technology enterprises "science and technology entrepreneurship loan", and the exclusive financing product "Shanxin loan" for specialized, special and new small and micro enterprises, to being the first batch of cooperative banks of "science and technology loan" in Fujian Province, introducing a special government risk compensation fund pool to "endorse" science and technology enterprises, and jointly implementing the "knowledge and credit integration" intellectual and creative financial ecological construction plan with the Fujian Provincial Intellectual Property Office to promote the deep integration of intellectual property rights and finance, and then to uniting local science and technology authorities, Intellectual property authorities, science and technology enterprise cultivation associations and science and technology incubation platforms have launched a series of activities such as "Maker Salon Roadshow", "Intellectual Property Benefiting Enterprises in the Park" and "Jinzhi Huichuang" to provide timely information and training support for science and technology enterprises. CCB Fujian Branch continues to optimize technology financial services, and acts as a good financial partner of "specialized, special and new" enterprises with "real money" and "hard-core" services, so as to promote the development of science and technology enterprise clusters.
Shandong Provincial Branch: Build a good science and technology platform to do a good job of "heart-warming things" for villagers
This year, CCB Shandong Jining Jiaxiang Sub-branch continued to take the business development of "Yu Nong Tong" as the traction, gave full play to the advantages of financial technology, deeply cultivated the new blue ocean of rural areas, played a combination of "technology + inclusiveness", and made every effort to open the "happiness code" to help rural revitalization.
In order to deepen the application of the "Yu Nong Tong" platform, in the third quarter, the sub-branch organized financial specialists and account managers for several consecutive days, carrying Long Yixing equipment, to open "Yu Nong Tong Card" and activate social security cards for villagers at the "Yu Nong Tong" inclusive financial service point, and guide villagers to carry out on-site access to social security pensions, telephone bills, electricity bills, social security premiums and other services, providing convenience for villagers to enjoy financial services.
The financial commissioner of Shandong Jining Jiaxiang Sub-branch activates the social security card for the villagers at the "Yu Nong Tong" service point
"Thank you so much to the comrades of CCB for providing door-to-door services for us elderly people with limited mobility, it is really hard for you. "My mother's legs and feet are inconvenient, old, has been in the countryside can not go anywhere, this year's social security pension is issued in the social security card, we are still worried about how to take her to the county CCB for activation, unexpectedly, received a notice from the village that CCB comrades can come to the door for the elderly with limited mobility to activate the social security card, let me open my eyes, this intimate service is really nothing to say, great. "The villagers are full of praise for CCB's services.
According to the villagers, there are no bank outlets or self-service facilities in the village, and the nearest bank outlets are more than 20 kilometers away from the village, making it very inconvenient for villagers who do not know how to use smartphones to pay bills on a daily basis. CCB's "Yu Nong Tong" has really solved the problems of the villagers, saved the time of queuing at the bank, and really done a practical thing for the masses.
CCB uses digital technology to deepen agriculture-related financial services and use financial technology to promote rural revitalization, so that farmers can have a greater sense of gain and happiness in rural revitalization, deepen and penetrate the rural market, and achieve a new pattern of resource sharing, complementary advantages, mutual promotion and win-win development.
Sichuan Branch: Helping enterprises grow rapidly with "Science and Technology Innovation Evaluation".
As a national "909" engineering integrated circuit design company and the first batch of national certified integrated circuit design enterprises, a company in Sichuan has continuously undertaken the national "11th Five-Year Plan", "12th Five-Year Plan" and "13th Five-Year Plan" FPGA National Science and Technology Major Projects, the "13th Five-Year" High-speed and High-precision ADC National Science and Technology Major Project, the High-speed and High-precision ADC National Key R&D Program, and the Intelligent Heterogeneous Programmable SOC National Key R&D Programmability.
The company is located in Chengdu Tianfu Software Park, one of the top ten software industry bases in China
In 2011, CCB Sichuan Branch opened a general deposit account for the company, and in the early stage of the company's growth, in order to meet its needs for electronic commercial drafts, it recommended the CCB electronic bill system in a timely manner and provided door-to-door guidance, which won high praise from the company, and thus the CCB account became the company's main settlement account. Due to the characteristics of science and technology enterprises, the company has accumulated a large amount of R&D investment in the early stage, and some financial indicators cannot meet the credit access conditions of CCB. According to CCB's "Science and Technology Innovation Evaluation" system, its "Science and Technology Innovation Evaluation" grade is the highest level of T1, indicating that the company's scientific and technological innovation ability is excellent. In 2022, Sichuan Branch granted a credit of 280 million yuan to the enterprise, and successively issued a total of 200 million yuan of working capital loans in the form of credit, becoming the largest credit cooperative bank of the enterprise and supporting the development and growth of the enterprise with practical actions. With the advancement of the domestic substitution process of the integrated circuit industry, the sales volume and sales revenue of the enterprise have achieved rapid growth and entered a period of rapid development. On November 2, 2023, the company obtained the registration approval of the CSRC for its initial public offering of shares.
With the support of the "Science and Technology Innovation Evaluation", CCB has successfully transformed the company from a simple settlement customer to a trusted partner, and helped it become a shining star waiting to bloom in the capital market.
Shenzhen Branch: "Chain" Ecosystem
Today, with the continuous explosive growth of new energy vehicles, the new energy vehicle industry has driven the development of many upstream and downstream related enterprises. For upstream small and medium-sized enterprises, the increase in order volume and the increasingly urgent need for product upgrades have gradually highlighted the capital turnover problems caused by the advance payment method with the increase in order volume.
"We mainly supply on-board transformers for BYD Automobile, which has gradually increased in recent years, and now has an annual supply capacity of more than 1.8 million sets. The person in charge of an electrical appliance manufacturing Co., Ltd. in Shenzhen said, "Usually our cooperation with BYD has an account period of about half a year, and it used to be through a commercial bill with a six-month period, but when the amount is large, it often can't be turnover." ”
Subject to the limitation of the quota of commercial bills, the discounting process of enterprises is long and the materials are complex, and it is often difficult to obtain funds quickly when they need to finance funds. At the same time, under the traditional credit model, it is difficult for small and medium-sized suppliers of core enterprises to reach the bank's financing threshold, the supply chain trade information is not transparent, the pledge of movable property is difficult, the bank does not dare to lend, and more than 90% of the chain enterprises cannot get low-cost financing.
In the face of corporate financing problems, CCB Shenzhen Branch conducted in-depth research on the core enterprises and the operation characteristics of the industrial chain extending across the country, and built a supply chain service platform around the ecological scenarios of the industrial chain and supply chain. Through the industrial-level digital platform, the pain points, difficulties and blockages of all entities and links in the industrial chain to obtain financial services are broken down one by one, and the service response efficiency is greatly improved by relying on financial technology means, so as to realize easy financing, fast financing and low cost for all units in the industrial chain, especially small and medium-sized enterprises.
BYD automobile production workshop
"Now, as a BYD supply chain enterprise, I can apply for a loan of 50 million yuan online through the financing platform built by CCB for BYD, and it is pure credit. The loan was released on the same day, which was really convenient!"
Numbers are the proof of the concept of "large-scale chain". As of the end of October this year, Shenzhen Branch has cooperated with 21 core enterprises and their upstream and downstream enterprises in the industrial chain, serving more than 5,000 chain enterprises across the country, with a balance of more than 40 billion yuan.
Proofread by Li Haihui