Eighteen years ago today, Industrial Bank Xi'an Branch was born in the ancient capital Xi'an with the spring breeze of Western development , and embarked on the historical journey of cultivating Sanqin land and serving local construction. Over the past 18 years, under the correct leadership of governments at all levels and the Party Committees of the head office, we have worked hard, adhered to the truth and innovated, and have embarked on a path of coordinated development of quality, scale and efficiency. Up to now, the branch has a total assets of more than 200 billion yuan, with nearly 110 billion yuan in various deposits and 71.5 billion yuan in various loans. The main business indicators rank among the top of local joint-stock commercial banks.
Remember the mission and help the entity, work hard to achieve success and achieve success
Industrial Bank Xi'an Branch remembers the original mission of "contributing more to economic construction" and the development vision of "building a century-old business", actively plays the role of bank financing, and resonates with local economic development. Since its establishment, the bank has provided financing of nearly 100 billion yuan to local economic entities through direct and indirect financing channels, and has injected financial vitality into the high-quality development of Shaanxi with practical actions.
In recent years, focusing on serving the construction of the "Belt and Road", the bank has focused on key industrial industries in our province such as energy, high-end manufacturing, infrastructure construction, cultural tourism, etc., and has invested more than 100 billion yuan in loans to a large number of key enterprises and key projects in Shaanxi, including Shaanxi Coal Industry , Yanchang Petroleum and Happy Forest Belt. Adhering to the "gene" of investment banking , we will focus on innovation in direct financing tools. Since the issuance of the first interbank debt financing instrument in Shaanxi Province in 2007, it has repeatedly set a precedent for local business, and has successively implemented innovative businesses such as Shaanxi Province's first enterprise medium-term notes, the first enterprise private bond , the first structured financing business, the first securitization product in the true sense, the first public epidemic prevention asset-backed notes in the country, and the first debt-to-preferred equity bond in the interbank bond market. The scale of bond issuance has ranked first in the province's market for 14 consecutive years since 2007. As of the end of September 2022, the bank's interbank market non-financial enterprise debt financing tool had a stale balance of 73.9 billion yuan, and the cumulative underwriting of shares exceeded 300 billion yuan. In addition, through the linkage between domestic and foreign branches, the bank successfully issued the first overseas private bond in Shaanxi led by domestic banks, which helped many companies issue more than 5 billion yuan in overseas bonds, protecting it for "going out".
In addition, the bank attaches great importance to communication and cooperation with the government and actively implements the government's work deployment. We have strongly supported government debt replacement, and the scale of local government debt underwriting and investment ranks among the forefront of local joint-stock banks for many years; responded in a timely manner and implemented the first batch of equipment renewal and renovation loans in Shaanxi Province; thoroughly implemented the decisions and deployments of the country to accelerate the development of the housing rental market, launched an integrated financial service solution for housing rental, and successfully launched multiple systems such as Xi'an housing rental transaction fund supervision , and provided diversified financing support for different types of housing rental companies.
strives to lay out a new track and strives to write a new chapter
has entered a new stage of development. Combined with the fact that Industrial Bank has become an important systemic bank in China, Xi'an Branch actively responds to the call of the head office, carries the "big thing of the country". Guided by the implementation of the new development concept of , it strives to promote business transformation, accelerates the layout of the "five new tracks" of inclusive finance, science and technology finance, energy finance, automobile finance, and park finance, and strives to improve the quality and efficiency of service entities.
is concerned about Xiaowei and strives for inclusive finance. We will make every effort to increase the issuance of inclusive small and micro loans, and the completion rate of small and micro enterprise loan plans (bank and insurance supervision caliber) will reach 376%, 200% and 187% respectively in 2020, 2021 and 2022 (as of the end of September). In response to the difficulties in financing and guarantees of small and micro enterprises, we will accelerate product innovation and launch exclusive products of small and micro enterprises such as "Lianlian Loan", "annual review loan", and "inclusive loan". Using the "digital + finance" method, we will innovatively launch the "Xingye Inclusive Platform" to build an intelligent and convenient online financing platform for corporate users. Up to now, nearly 500 million yuan has been raised for small and micro enterprise customers through this channel.
proactively innovate and promote science and technology innovation finance.Focus on the pain points of people's livelihood services, help the construction of smart cities, carry out ecological scenario construction in key people's livelihood fields such as medical care and education, and provide customers with integrated industry solutions; launch a series of loan products such as science and technology financial loans and talent loans for science and technology enterprises and senior talents; in response to the reality that science and technology enterprises are unable to obtain bank financing due to lack of asset guarantees, an exclusive evaluation system for "technology flow" is launched. By examining the scientific and technological innovation capabilities of enterprises such as intellectual property rights, invention patents, and scientific research teams, break the traditional bank credit model and turn the "technology flow" into a "funding flow". At present, 133 credit subjects have been approved for technology flow, with a credit amount of 10.8 billion yuan; nearly 100 customers have been deployed with technology flow, with a commission amount of 2.4 billion yuan.
is in profit and promotes energy finance. Under the guidance of " Equator Principle ", the pursuit of harmonious and unified economy, society and environment will be included in its own development goals. The branch has successively implemented the first project to apply the "Equator Principle" of the branch, the first project to voluntarily apply the "Equator Principle" of Industrial Bank and the largest water conservancy project in history, the Han-Wei-Wei Project financing project; relying on the "green + universal" model, it has promoted the implementation of key products such as "photovoltaic loan". As of the end of September 2022, the bank's green finance financing balance exceeded 27 billion yuan, and the green loan balance exceeded 10 billion yuan, serving nearly 1,500 customers.
establishes an ecosystem and strengthens automobile finance. In view of the fact that automobiles, as the second largest consumer product of my country's households, have huge financial needs, we will enrich related products around the upstream and downstream of the industry, strive to connect the B-end to C-end, and build an automobile financial ecosystem. Increase credit support for automobile production, sales and consumption links, launch a "prepayment" business model, weaken traditional mortgage guarantees, and achieve national business operations in one place. Differentiated credit policies are provided for automobile consumption to improve approval efficiency. This year, more than 34 million yuan of automobile consumption finance has been invested.
helps innovation and promotes park finance. A special working group was established, and key national and provincial development zones in the province were selected, and in-depth core enterprises were conducted on-site door-to-door basis, providing differentiated comprehensive financial service solutions of "one park, one policy", providing industrial park customers with a "smart park" system, and providing technical support for park operation and management one-stop services; providing inclusive loans, technology loans, personal business loans, etc. to enterprises in the district to meet their financing needs; providing professional personal investment and financial management and settlement services to employees of the park, and actively creating a "park finance" ecosystem. Recently, the bank successfully issued 430 million yuan in loans to a certain biopharmaceutical industry park project in Xi'an Hi-Tech, making positive contributions to enriching the industrial chain of the Hi-Tech Zone.
Responsible for people's livelihood, practice responsibility, show responsibility, and help the poor, and devote all efforts to rural revitalization. Nearly 4 million yuan has been invested to assist the poor villages in Qingjian County, Yulin and Wugong County, Xianyang through various means such as industrial poverty alleviation and educational poverty alleviation, helping them to achieve poverty alleviation. Actively open up new ways to serve rural revitalization, increase financial connection with leading agricultural enterprises, and use advantageous industries to drive regional farmers to increase their income and become rich. At present, nearly 100 million yuan of loans have been issued to such enterprises.
Reduce fees and make concessions, and make every effort to help the poor. Actively respond to the national call, since the outbreak of the epidemic, it has actively reduced loan interest rates and reduced various fees. Since 2021, it has reduced and exempted all kinds of handling fees for enterprises by nearly 30 million yuan. Employees were organized to donate more than 1 million yuan to earthquake-stricken areas and other areas; they successively donated hundreds of thousands of yuan to Xiajia Village Primary School, Gepai Town, Lantian County. Pay taxes with integrity and pays over 3.2 billion yuan in total. It has been rated as an A-level tax enterprise by Xi'an National Local Taxation many times.
takes multiple measures to create heartwarming services. The last mile of service was opened, 45 community outlets were established across the province, and a service network covering six cities including Xi'an, Yulin , Xianyang , and ranks ahead in the same joint-stock commercial banks in both "points" and "surfaces". Comprehensively carry out the construction of smart outlets and improve the service level of outlets. The branch business department was rated as the "Top 100" demonstration outlets in the country. Based on the practical activity of "I do practical things for the people", we have set up "Promote Charity" people-friendly stations in more than 30 outlets in the jurisdiction, and relying on business outlets to launch convenient and public welfare services for the people.
Party building leads the engine, focus on development with direction
Since its establishment, Industrial Bank Xi'an Branch has always put the political construction of the Party first, adheres to "listening to the Party and following the Party", unswervingly strengthens the Party's leadership, and deploys, promotes and implements Party building work with its own central tasks. Highlight the construction of grassroots party branch , all second-level branches under the jurisdiction have established party committees, and all branches have established party branches to give full play to the role of grassroots party organizations as a fighting fortress. At the same time, the branch attaches great importance to combining party building with business. By carrying out joint party building activities with customers and carrying out various forms of activities such as red education, the party building culture has been deeply rooted in the hearts of the people. We focus on giving full play to the role of party members as pioneers and models, organize party members’ vanguards during the epidemic, and actively participate in the front line of service; strive to cultivate advanced models and create an atmosphere of striving for the first place. Branch employees have won the honorary titles of Shaanxi Province May 1st Labor Medal and May 1st Women’s Model, and have been named Shaanxi Province May 1st Labor Model, and many branches have been named the outstanding party organization of the entire bank.
The leading role of party building is also fully reflected in the construction of the branch’s talent team. Over the past 18 years, Xi'an Branch has focused on cultivating a simple and harmonious "home culture" and has built an excellent team with good reputation in the industry, strong political literacy and combat effectiveness. On this basis, we focus on cultivating the new Party’s strength from outstanding talents, developing Party members from organization leaders and prominent employees in various positions, and forming a virtuous cycle of talent construction.
Standing at a new historical starting point, Industrial Bank Xi'an Branch will continue to absorb the wisdom and strength of the Yan'an spirit, bravely shoulder the heavy responsibilities of the times with a fighting spirit, embark on a new journey with high spirits, actively integrate into the new development pattern, and make every effort to write a new chapter of high-quality development. Correspondent Du Zhibin
