Huang Yi, deputy to the National People's Congress and president of Sichuan Tianfu Bank: The western financial center jointly built by Chengdu and Chongqing is expected to become China's "fourth financial pole"

Huang Yi, deputy to the National People's Congress and president of Sichuan Tianfu Bank

Cover News Reporter Su Dingwei

The construction of the twin-city economic circle in the Chengdu-Chongqing region has risen to a national strategy, how can the financial industry serve the construction of the twin-city economic circle in the Chengdu-Chongqing region? Huang Yi, deputy to the National People's Congress and president of Sichuan Tianfu Bank, believes that following the "Beijing-Tianjin-Hebei", "Yangtze River Delta" and "Guangdong-Hong Kong-Macao Greater Bay Area", the western financial center jointly built by Chengdu and Chongqing is expected to become China's "fourth financial pole".

Huang Yi introduced that from the current situation, the overall GDP and urbanization rate in the Chengdu-Chongqing twin-city economic circle lag behind the three major economic circles of the Yangtze River Delta, the Pearl River Delta and the Beijing-Tianjin-Hebei economic circle, with a total economic volume of about 7.36 trillion yuan in 2020, accounting for 7.24% of the country; the urbanization rate in 2018 was about 62.5%, the degree of industrial synergy was low, and the development in the region was uneven. However, the Chengdu-Chongqing urban agglomeration is located at the intersection of the national "two horizontal and three vertical" urbanization strategic pattern along the horizontal axis of the Yangtze River Channel and the vertical axis of the Baokun Passage, with a prominent strategic position and great development potential. Under the background of the construction of the twin-city economic circle in chengdu and Chongqing, building a strategic highland of western development pole and inland opening up is conducive to forming a regional economic layout with complementary advantages and high-quality development, is conducive to expanding market space, optimizing and stabilizing the industrial chain supply chain, building a new development pattern with the domestic cycle as the main body and the domestic and international dual cycles promoting each other, and promoting the construction of the "Belt and Road".

To create the "fourth pole of finance", the Chengdu-Chongqing Twin Cities Economic Circle will spawn a number of high-quality, high-standard local financial enterprises, and also attract a number of financial enterprises to move their headquarters to the western region or land branches in the western region. To build a western financial center, it is necessary to build a matching big data center to lay a solid foundation for financial technology innovation. Build a big data center in the western region, integrate government resources, and take a single market entity as the dimension to open up data such as five insurances and one gold, real estate, automobile property, taxation, justice, industry and commerce.

The construction of the twin-city economic circle in the Chengdu-Chongqing region must take a new path of ecological priority and green development. In September 2019, the United Nations Environment Programme (UNEP) officially released the Principles for Responsible Banking during the United Nations General Assembly in New York, working with leading banks around the world to promote green finance and environmental protection, and committed to sustainable economic development. On February 1, 2021, Sichuan Tianfu Bank officially signed the United Nations Principles for Responsible Banking, becoming the fifth bank in China and the first in the western region to join the principles. As a pilot bank of green finance in the province, it continuously integrates resources and builds a platform to accelerate the construction of a green financial product system, effectively supports many green environmental protection enterprises such as Tianzhao Pig Industry and Geely Sichuan Commercial Vehicles; takes the lead in setting up green branches, comprehensively builds a green finance demonstration window, and is committed to providing low-carbon, efficient and specialized financial services.

From the mobile Internet, big data risk control, intelligent network laboratory, to 2020 to start to build a bank with scientific and technological characteristics, Sichuan Tianfu Bank has driven the transformation of traditional financial services to "intelligent, data-based and scenario-based" with scientific and technological innovation, successfully built 19 convenient projects such as convenient life payment, public utility payment, and transportation travel, and promoted the transfer of business management from "physical service hall" to "virtual service hall". Independently developed a set of online appointment and on-site service as one of the enterprise account opening process, enterprises only need to operate on the official account, the bank can provide door-to-door service, to achieve customer "zero running" business handling experience.

"Building the 'fourth pole of finance' is an opportunity and a challenge! Chengdu-Chongqing's local financial industry should 'take a step ahead', seize the opportunity, and face the challenges! As a deputy to the National People's Congress, Huang Yi also put forward two suggestions at this year's "two sessions": "Suggestions on broadening the financing channels of small and medium-sized private enterprises and reducing the tax costs related to financial leasing", "Suggestions on Accelerating the Resolution of Financial Institutions' Criminal-related Non-Performing Loans and the Deadlock in the Judicial Disposal of Collateral"

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