In July 2022, the official website of Dazhou Municipal People's Government announced the "2021 municipal banking and insurance industry financial institutions fully integrated into local economic and social development performance evaluation results", and ranked municipal banking and insurance industry financial institutions from the aspects of "integration and service to the city's economic and social development", "healthy development of institutions", and "response to local party committees and government financial arrangements and activities". Dazhou Bank stood out among the 15 banking institutions participating in the selection.
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As a local legal person financial institution , Dazhou Bank has always adhered to the market positioning of "serving localities, serving entities, and serving small and medium-sized enterprises" and strongly supported the economic and social development of Dazhou and the areas under its jurisdiction. Since 2012, Dazhou Bank has been among the "Top Ten Taxpayers" in Dazhou City for ten consecutive years, and has jumped to the local legal bank with the largest asset scale, the largest total credit volume and the largest tax amount in Dazhou City. It has successively won many honors such as "Excellent Service Industry Enterprise in Sichuan Province", "Excellent Service Industry Enterprise in Dazhou City", "Advanced Collective for Outstanding Contributions to the 20th Anniversary of the Founding of Dazhou City", and "Dazhou Consumer Satisfied Brand".
According to recent news, Dazhou Bank won the "Annual Support for Local Economic Development Award" in the "2022 Golden Tripod Award " selected by Daily Economic News and authoritative academic units.
optimizes credit policies, serves the real economy, and effectively plays the role of local banks as the main force
Dazhou Bank was established in 1985. It is an joint-stock commercial bank established with the approval of the China Banking and Insurance Regulatory Commission and invested in and invested in and invested by the Dazhou Municipal People's Government. With "going forward and creating value" as the core concept, it fully supports local economic and social development.
In recent years, Dazhou Bank has promoted the deep integration of party building and corporate governance, amplified the advantages of local legal banks in popularity, geography, chain and decision-making efficiency, and significantly improved the quality and efficiency of development. The existing registered capital is 3.3365 billion yuan and 57 business institutions, covering all counties and districts of Dazhou City and Bazhong City , Guangyuan City , and Nanchong City .
Dazhou Bank deepens open cooperation, innovates and improves the financial service system, and becomes the first legal bank in the province to participate in the "interbank interbank lending center" interbank deposit main participant institution, and the first legal bank in the city to open "universal collateral management service authority" in China Bond Deposit , integrating into low-cost interbank fund channels to help the development of the real economy.
Since this year, Dazhou Bank has conscientiously implemented the decisions and deployments of economy and finance at all levels and a package of policy measures to stabilize the economy, injecting financial vitality into the real economy, and continuously maintaining and consolidating the good development trend of "stable progress and stable quality improvement".
As of the end of September 2022, the total assets of Dazhou Bank reached 92.487 billion yuan, increased by 13.56% year-on-year; the balance of deposits and loans was 103.401 billion yuan, an increase of 18.75% year-on-year. Among them, the balance of each deposit was 57.687 billion yuan, an increase of 13.23% year-on-year; the balance of each loan was 45.714 billion yuan, an increase of 26.54% year-on-year.
In terms of serving the real economy, Dazhou Bank has actively integrated into the overall local development situation, effectively played the role of local banks as the main force, conscientiously implemented the spirit of the meetings such as "National Economic Stabilization Large-Capacity Video Conference", "National Urban Commercial Bank Private Banks Small and Micro Enterprise Financial Services Special Conference", "Dazhou City Implementation Package Financial Policy Measures Promotion Meeting", formulated the "Implementation Plan for Supporting the Real Economy to Relief", clarify the overall credit goals, increase credit supply, refine sixteen hard measures, adhere to the front-line policy and moderate efforts, and actively support the stable growth of the real economy.
Dazhou Bank's guidance on optimizing credit policy, increasing credit supply to key industries such as manufacturing and green industries, and developing a number of credit products that benefit enterprises and the people, , and providing smoother financing innovation services. Since 2022, Dazhou Bank has issued a total of 22.413 billion yuan in loans, with a deposit-to-loan ratio of 79.25%, an increase of 8.34 percentage points from the beginning of the year.
For example, the bank innovated the green credit model, comprehensively used the "pollutant discharge rights" pledge to issue 150 million yuan in loans, ensuring the efficient implementation of "micro reform, micro-innovation "; issued the first intellectual property pledge loan in Dazhou City, supporting Zhaoji Optoelectronics to pledge 6 utility model patents, adding 12 million yuan in credit; boosting consumer confidence, launching the "Yuanqidai" special consumer credit product with an annual interest rate of up to 3.6%, with a total credit of 49 million yuan...
returns to its original source and serves the local area Support key projects and use the policy of benefiting enterprises
as a local urban commercial bank. Dazhou Bank takes serving local economic development as its mission, based on the characteristics of local economy and industrial development, keeps up with major strategic deployments, focuses on the financial needs of key projects, private and small and micro enterprises, continues to increase credit supply, accelerate innovation in financial products and service, and guides the continuous flow of financial water to the real economy.
Dazhou Bank continues to increase physical credit supply, support the healthy development of the structural adjustment field, promote project financing at a high level, and ensure project docking, financial services, and financial support. Up to now, a total of 3.349 billion yuan of financing has been supported for key projects.
Dazhou Bank seizes the historical opportunity of integrating into Chengdu and Chongqing Twin Cities Economic Circle , focuses on the overall situation, and serves the city's strategic decisions. Seize the strategic opportunity of building Wanda Kai Sichuan-Chongqing Coordinated Development Demonstration Zone, give full play to the responsibility of local banks, actively connect with local economic construction needs, vigorously support 11 key projects such as Yixin Ring City Logistics Center and Southwest Vocational Education Park , and issue loans of 1.721 billion yuan.
Strengthening credit support for key projects is also an important way for Dazhou Bank to serve local economic development. The bank actively participated in the construction of , and granted a credit of 1 billion yuan to the Dakai Expressway project; solved the production and working capital of enterprises; and strongly supported the Dazhou City technical transformation and expansion project to withdraw from the city and enter the park.
Since the beginning of this year, Dazhou Bank has been committed to making good use of various policies that benefit enterprises and effectively continue to postpone the repayment of principal. Use central bank small re-lending policy tools to implement the central bank's two "directly reach the real economy" policy tools, and the business orientation of returning to the original, serving local governments, and supporting small and micro enterprises is more prominent. As of the end of September, a total of 9.274 billion yuan of principal repayment was imposed on various types of business entities through extension and renewal loan, continuing to promote the reduction of the comprehensive financing costs of enterprises.
practices inclusive finance, assumes social responsibility, and helps the high-quality development of local social and economic
In recent years, Dazhou Bank has insisted on regional deepening, focusing on inclusive small and micro, improving credit policy guidance, and helping market entities develop. Actively carry out visit activities such as "financial consultant", "three visits, three questions, and three gifts", and "governors entering the park", actively connect with the credit needs of inclusive small and micro enterprises, continue to innovate products, optimize services, and comprehensively improve the comprehensive service level of inclusive finance.
Dazhou Bank has a separate small and micro enterprise credit plan to increase the weight of the assessment of inclusive small and micro loans. As of now, the balance of inclusive small and micro loans of Dazhou Bank is 4.993 billion yuan, an increase of 1.144 billion yuan from the beginning of the year, with a growth rate of 29.74%, 10.33 percentage points higher than the growth rate of various loans. The number of loan accounts is 3,688, an increase of 126 from the beginning of the year, and the depth and breadth of inclusive financial services continue to increase.
As a local city commercial bank, taking social responsibilities is also a natural requirement for serving local economic and social development. Dazhou Bank has focused on its service, completed the upgrade and transformation of 99 rural financial comprehensive service stations in townships, and continuously improved the depth and breadth of inclusive financial services. At the same time, we will increase investment in various poverty alleviation funds such as materials and donations, consolidate the results of poverty alleviation, effectively connect financial poverty alleviation and rural revitalization, and support the construction of infrastructure projects and the development of characteristic industries in assisted villages.
During the COVID-19 epidemic, Dazhou Bank has focused on improving the level of operational services, continued to provide free services for all businesses of donations, charity, and epidemic areas, and fully supported the resumption of work and production. Since 2021, it has reduced and exempted related expenses by more than 30 million yuan.
finance benefits the people more practically and meets the needs of diversified services. All outlets of Dazhou Bank are equipped with convenience medicine boxes, reading glasses, , hearing aids and other items, providing warm services to urban and rural residents.For those who have lost their source of income due to the epidemic, the credit reporting rights and interests will be protected. For their existing personal housing, consumption and other loans, the repayment plan will be flexibly adjusted, and the credit reporting records will not be affected separately due to epidemic factors.
At the moment when the digital transformation of of small and medium-sized banks is emerging, Dazhou Bank has strengthened technological support, completed the aging-friendly transformation of mobile banking, and enhanced the sense of gain of the elderly; built new business platforms such as water, electricity, and gas collection and payment, and launched online consumption platforms such as "Dali Tianxia", "Gourmet Map", and "Yuanqi e Loan", and continued to focus on the construction of payment scenarios and special marketing activities for the benefit of the people, and the level of convenience services continued to improve.
In the new journey of the 14th Five-Year Plan, Dazhou Bank will conscientiously implement all decisions and deployments on economy and finance at all levels, write four articles: "Adhere to development positioning, highlight support key points, strengthen supporting support, and adhere to the bottom line of risks", base itself on the local area and deepen its roots in Sichuan, steadily innovate, improve and strengthen, continue to carry out special actions to alleviate difficulties and financing, refine measures to support the development of the real economy, improve various guarantee mechanisms, demonstrate political responsibility, economic responsibility and social responsibility, and help local social and economic development at high quality, and contribute financial strength to building a strategic fulcrum for the revitalization of the northern wing of the Chongqing Twin Cities Economic Circle. Text/Helu
Daily Economic News
