Denghu gathers energy, Nanyue shines, financial momentum, insight into the future.
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On April 26, the "New Financial Bay Power" - 2024 Pearl River Delta Small and Medium-sized Banks High-quality Development Seminar hosted by Nanhai Rural Commercial Bank was held in Nanhai, Foshan. More than 200 people, including relevant leaders of provincial, municipal and district governments, representatives of small and medium-sized financial institutions in the Pearl River Delta, representatives of science and technology enterprises, representatives of university scholars and representatives of various academic societies, gathered on the shore of Qiandeng Lake to exchange views on hot topics such as the opportunities and challenges of the high-quality development of small and medium-sized banks in the new era, the cutting-edge exploration and application cases of financial technology in the local economy, and discuss and seek ways for regional small and medium-sized banks to promote high-quality development with new quality productivity in the financial field.
The 2024 Seminar on the High-quality Development of Small and Medium-sized Banks in the Pearl River Delta was held in Nanhai, Foshan.
Build a communication platform to promote in-depth cooperation between multiple parties
The financial "living water" is full of momentum, and the local development momentum is strong.
At present, Guangdong is promoting the strategy of strengthening the financial province at a steady pace, and the financial industry is seeking progress in a stable manner, so as to promote stability and be standardized and orderly. As elite soldiers in the financial system, small and medium-sized banks play an irreplaceable role in supporting the real economy, serving small and micro enterprises, and promoting coordinated regional development.
As the host of the event, Xiao Guang, chairman of Nanhai Rural Commercial Bank, made an opening speech. He said that local small and medium-sized banks should hold high the great banner of Xi Jinping Thought on Socialism with Chinese Characteristics for a New Era, unswervingly follow the path of high-quality development of small and medium-sized banks, anchor the goal of building a financial power, and unswervingly practice the political, people-oriented and functional nature of financial work, focus on services and development of new quality productivity, unswervingly support the real economy and manufacturing industry, and keep the bottom line of no systemic risks, unswervingly coordinate development and security, and promote the "prosperity" of the local economy with the "stability" and "vitality" of finance" and "strong". At the same time, he issued an initiative to the financial institutions, technology companies and small and medium-sized financial institutions in the region to work together to create a better tomorrow.
From the perspective of the composition of the participants, the seminar included leaders from relevant government departments, experts and scholars from universities and societies, authoritative experts from small and medium-sized financial institutions and managers of science and technology enterprises, and the diversified and cross-disciplinary characteristics are very significant. Secondly, the topics discussed at the meeting not only closely followed the current development of financial technology, but also deeply discussed the challenges and opportunities faced by small and medium-sized banks in high-quality development, providing all-round and multi-angle innovative ideas for the high-quality development of small and medium-sized banks.
Liu Jie, member of the Standing Committee of the Foshan Municipal Party Committee and vice mayor, attended the meeting and delivered a speech. He pointed out that the majority of financial institutions should provide high-quality services for social and economic development, and the majority of enterprises should seize the opportunity, work hard, accurately grasp the general trend, take the initiative to integrate into the overall situation, strengthen the main position of enterprises in innovation, accelerate the cultivation and expansion of emerging industries, and win the future in promoting high-quality development; at the same time, sincerely invite all financial institutions, science and technology enterprises and innovative and entrepreneurial young people to come to Foshan for development, investment and development, and share the fruits of Foshan's industrial transformation and upgrading and innovative development.
Ni Quanhong, Deputy Director of the Financial Office of the Guangdong Provincial Party Committee and Deputy Director of the Provincial Local Financial Administration, attended the meeting and delivered a speech. He hoped that all small and medium-sized financial institutions would adhere to the principle of returning to their origins, insisting on being based locally, adhering to data-driven, and adhering to bottom-line thinking. The Financial Office of the Provincial Party Committee will, as always, support Foshan's financial opening-up and innovative development, continue to guide financial institutions to improve the quality and efficiency of serving the real economy, and build momentum for cultivating and expanding new quality productivity.
Small and medium-sized banks complement each other's advantages and write five major financial articles
The Central Financial Work Conference held at the end of 2023 clearly proposed to do a good job in five major articles: science and technology finance, green finance, inclusive finance, pension finance, and digital finance. In the context of diversification and increasingly fierce competition in the financial market, how small and medium-sized banks can give full play to their own advantages and achieve differentiated competition has become the focus of attention in the industry.
"In the new stage, it is inevitable to find new momentum, and the 'five major articles' are the exploration of high-quality development and new quality productivity. Zeng Gang, director of the Shanghai Finance and Development Laboratory, deeply analyzed the impact of the current economic environment on the business structure of banks, and proposed that small and medium-sized banks will face challenges such as insufficient effective demand in the short term, so they should focus on the key directions of the national strategy and the needs of the weak links in the country's development.
Zeng Gang made a keynote report on "The High-quality Development Path of Local Finance".
In the theme exchange session, Yang Fuming, Deputy Secretary of the Party Committee and President of Nanhai Rural Commercial Bank, introduced a high-quality development path for small and medium-sized banks since the establishment of the bank 72 years ago. He mentioned that on the one hand, Nanhai Rural Commercial Bank has worked hard and sought practical results by returning to its origins and focusing on serving the real economy, with nearly 100 billion yuan of credit invested every year, and its loan market share in Nanhai District has remained the first for 12 consecutive years. On the other hand, it focuses on "digital intelligence" to cultivate its own new quality productivity, carries out characteristic operations, creates a "5+4" nine characteristic financial systems, and actively fulfills its responsibilities in the four major fields of industrial finance, rural finance, consumer finance and community finance, so as to inject financial momentum into the high-quality development of the local real economy.
Li Yixin, chairman of Shunde Rural Commercial Bank, shared the bank's new practice in green finance. He introduced that the bank adheres to the development concept of innovation-driven, risk control, differentiated credit and smart green gold, integrates the concept of green, low-carbon and sustainable development into daily operation management and development planning, forms characteristic solutions for green industries, and strives to build a "green and innovative bank driven by science and technology".
Xu Weiguo, vice president of China Resources Bank, introduced that the bank has made great efforts in industrial finance and built a business strategy of "four alls and two light" - creating a full-process project management before, during and after the loan, and providing comprehensive solutions for upstream and downstream industry scenarios. At the same time, it has built a supply chain industry platform, exported supply chain financial technology services, opened up supply chain asset circulation channels, and reduced capital consumption.
Zhong Guobo, assistant to the president of Dongguan Rural Commercial Bank, said that in the future, it will sink from large industries to various subdivisions, accelerate the creation of "Dongguan digital industry map", build a "horizontal unchanged, vertical to the end" customer management system, and reconstruct products and services to provide customers with differentiated full life cycle services.
Yang Xuan, business director of Guangzhou Rural Commercial Bank, the bank vigorously promotes inclusive finance, improves people's livelihood and well-being, and takes multiple measures to "transfuse blood and replenish gas" for small and micro enterprises, and clearly proposes to encourage and support local high-quality small and micro customers in key areas such as scientific and technological innovation, specialization, special innovation, green and low-carbon, and digital transformation in the 2024 credit policy.
The roundtable dialogue collided ideas and built consensus on financial development
During the seminar, a roundtable dialogue was held on the theme of financial support for high-quality regional development. The event was presided over by Chen Peng, President of Shenzhen Greater Bay Area Financial Research Institute, and a number of industry experts conducted in-depth discussions on the role of small and medium-sized banks in the regional financial system and how to give full play to their own advantages to serve the high-quality development of the region.
"As a member of small and medium-sized banks, Rural Commercial Bank has always given full play to its advantages in regionality, flexibility and innovation, and has continuously innovated its financial bloodline. Zeng Li, Chairman of Zhuhai Rural Commercial Bank, shared the bank's excellent experience and practices in serving Zhuhai's local development, including innovating and optimizing the product system for rural revitalization, precise "blood transfusion" for key construction projects and the development of the manufacturing industry in the park, and giving full play to the advantages of proximity to Hong Kong and Macao to develop cross-border finance.
As an important manufacturing base in the country, Foshan is making every effort to promote the transformation and upgrading of the manufacturing industry and build a modern industrial system. "Foshan Rural Commercial Bank continues to provide high-quality financial services to help Foshan strive to be the 'manufacturing backbone'. Zhang Ke, deputy secretary of the Party Committee of Foshan Rural Commercial Bank, mentioned that the bank has provided strong support for the transformation and upgrading of the manufacturing industry by establishing an exclusive service system for the manufacturing industry, building a service system guarantee and innovating service models.
Xu Lan, general manager of Guotai Junan Zhengyu Investment Co., Ltd., introduced the company's continuous increase in innovative service measures in major cities in Guangdong in recent years. Guotai Junan gives full play to the dual advantages of its headquarters in the Yangtze River Delta and the Pearl River Delta, and provides strong financial support for the high-quality development of the region by underwriting a series of innovative bond projects, increasing equity investment, and providing comprehensive and leading financial services.
The experts also mentioned that small and medium-sized banks should give full play to their advantages in regionality, flexibility and innovation, and continue to innovate financial products and services to meet market demand.
"The next step in the development of small and medium-sized banks is to seek differentiation and give full play to the value of stock. Professor Zeng Gang, director of the Shanghai Finance and Development Laboratory, believes that small and medium-sized banks have unique advantages such as business sinking and flexible response to market changes, and can better serve the grassroots and small and medium-sized enterprises to meet their diversified financial needs. Therefore, small and medium-sized banks need to give full play to their late-mover advantages, use technological tools to enhance their competitiveness in the digital era, and "at the same time provide high-quality services around the local high-quality development strategy, so as to realize the two-way flow of small and medium-sized banks and government departments." ”
Fintech breaks through strongly, and new quality productivity seeks "strong" from "new"
At present, the wide application of technologies such as big data and artificial intelligence has provided strong support for financial innovation, which not only improves the efficiency and accuracy of financial activities, but also gives birth to new financial formats, further enriches the products and services of the financial market, and provides more diversified financial support for the forging of new quality productivity.
At the seminar, Guan Qingyou, president and chief economist of the Institute of Financial Research, mentioned the impact of consumption upgrading, export structure transformation, demographic dividend into talent dividend and other phenomena on the development of the financial industry in recent years, and pointed out that financial institutions should make timely predictions on the adjustment of the national economy, seize new opportunities and expand new businesses. Shen Minggao, Global Chief Economist of GF Securities, made an in-depth analysis of issues such as real estate adjustment and economic development, artificial intelligence technology, and the evolution of the global financial landscape, and suggested that the banking industry should make forward-looking judgments on the industrial innovation track to help enterprises go out of Foshan and go global.
Guan Qingyou made a theme report on "How Small and Medium-sized Banks Can Help Shape Regional New Quality Productivity under the Strategic Idea of "Industry and Technology Promote Mutual Strength".
At the same time, representatives from Foshan Municipal Affairs Service and Data Administration, Huawei, Tencent Cloud, Zhongwo Fund and other departments and enterprises shared the latest research results and practical experience in the field of financial technology.
It is not difficult to see that with the vigorous development of the digital economy, the banking industry is facing unprecedented changes. This change is not only reflected in the expansion of the bank's business and the innovation of its service model, but also in the all-round transformation of the bank's organizational structure, risk management and competitive landscape, as well as the deepening of cooperation and exchanges with emerging fintech companies.
Shen Minggao shared the topic of "2024 Macroeconomic Outlook and Business Strategies of Small and Medium-sized Banks".
In the Denghu Forum, Yu Zhihai, Vice President of Nanhai Rural Commercial Bank, Zhu Danhong, Vice President of Zhongshan Rural Commercial Bank, Niu Xiaoli, Vice President of Sunline Technology, Li Ming, General Manager of INTSIG Intelligent Solution Division, and Lu Ning, Chairman of Oriental Microbank, discussed the theme of digital strategy decoding and digital financial innovation of small and medium-sized banks, and explored the road of digital strategy of small and medium-sized banks.
"If banks want to improve their core competitiveness, they must advance the path of digital transformation. Our goal is to promote the deep integration of finance, technology and industry. Yu Zhihai shared that Nanhai Rural Commercial Bank has made efforts in top-level design, capacity building, business innovation and other aspects, including the construction of "FAST industry evaluation system + Big Dipper enterprise evaluation system", the launch of inclusive loans, general digital loans and other characteristic digital inclusive products, etc., to explore a digital transformation path to adapt to Foshan's economic development.
Other guests also conducted in-depth exchanges and discussions on the challenges and opportunities of digital transformation of small and medium-sized banks, as well as the innovative practices of digital finance. They agreed that digital transformation is an inevitable trend in the future development of the banking industry, and small and medium-sized banks should actively embrace changes, strengthen technological innovation and talent training, and continuously improve their ability and level of service to the real economy.
Finance is poised to take off, and the future is promising. The seminar on the high-quality development of small and medium-sized banks in the Pearl River Delta is not only a feast of ideas, but also a grand event to gather wisdom and seek good policies. With the in-depth integration of financial technology and the in-depth implementation of the innovation-driven development strategy, small and medium-sized banks will usher in more development opportunities and space, open up a new situation for the development of regional financial hubs, and provide stronger support for the sustainable and healthy development of the local economy.
Text, photo/Foshan News and Media Center reporters Huang Yitong, Ni Yujie, Lu Peilan