Source: China Net Finance
Finance is active, the economy is active; finance is stable, the economy is stable. As one of the 12 national joint-stock commercial banks, Hengfeng Bank keeps in mind the political and people-oriented nature of financial work, regards "the biggest country" as the "highest responsibility", and regards "the concerns of the people" as the "will be done", focuses on the main responsibilities and main business, continuously improves quality and strengthens energy, allocates more funds to key areas and weak links of economic and social development, better meets the diversified financial needs of the people and the real economy, and strives to write a new chapter of symbiosis and prosperity for the economy and finance.
Remember the mission and serve the entity
Actively integrate into the new development pattern
Shandong Heze Dingtao District, Shandong
In the golden autumn season, a wind farm construction site located in Nanwangdian Town, Dingtao District, Heze, Shandong Province, the machine roared, and the construction personnel were hoisting fan blades . The project plans to be connected to the grid by the end of 2023, and it is expected to provide 121.88 million kilowatt-hours of grid power every year, which can save 335,800 tons of standard coal in and reduce the emissions of various atmospheric pollutants accordingly, effectively promoting local governments to adjust and optimize the energy structure and achieve green and low-carbon development. The construction of this wind power project is inseparable from the help of financial vitality. In response to the common difficulties such as high costs, long investment recovery period and relatively low yields in wind power project financing, Hengfeng Bank, as the exclusive leading bank and agency bank, successfully implemented the first green leading bank syndicated loan business of the bank, with a total scale of 280 million yuan. At the same time, by introducing the carbon emission reduction support tool, a loan of 40.27 million yuan was issued for the project construction Fangdongming Green New Energy Co., Ltd., effectively reducing the financing costs of the enterprise and writing a new chapter on serving the green development path of the Yellow River basin. Behind the "chasing the wind" of banks is a microcosm of Hengfeng Bank's move towards the same direction with major national strategies, resonating with local development, and actively exploring the characteristic paths of integrating into the new development pattern.
takes the lead in leading the Shaanxi Province to support the construction of the "Belt and Road" in support of the first debt financing tool, and issued a total of 4.5 billion yuan of short-term financing bonds over to support the construction of Xi'an International Port Area ; provided 2.359 billion yuan in credit support to leading steel enterprises, and supported Rizhao to build an advanced coastal steel manufacturing industry base in Shandong Province; introduced blockchain technology to solve the problem of living biological mortgage, and innovate "good cow fast loan" to broaden the road to prosperity for farmers along the Yellow River. Hengfeng Bank focuses on major national regional strategies, leverages the advantages of the national layout, and based on local resource endowments and industrial foundations, it has issued a series of opinions and measures to serve the ecological protection and high-quality development of the Yellow River Basin, Western Development , Yangtze River Delta Integration and other opinions and measures. Up to now, more than 80% of the bank's loans are invested in key areas such as the Yellow River, Beijing-Tianjin-Hebei, and Yangtze River Delta .
Innovative services break the deadlock and open the way
Strengthen the financial supply in key areas
During the National Day holiday, Ms. Guan, a citizen of Hangzhou, Zhejiang, went to Fuyang Yangbei Lake Wetland. "There are wetlands and rice fields here. You can watch birds and flowers. You can also understand the culture of farming . Children are close to nature and adults take the opportunity to leave it empty. It is indeed a very good leisure place."
Ecologically restored Fuyang Yangbei Lake Ecological Park
is located in Fuyang . It was built from Tang Dynasty . It was built from the long lake to the swampy, and was finally reclaimed into farmland and fish ponds. In recent years, Fuyang has deeply implemented the concept of " green waters and green mountains are gold and silver mountains ", accelerated the construction of ecological civilization and urban pastoral development, and planned to promote the ecological restoration and governance project of Yangpi Lake in stages, recreating the historical lake landscape of a thousand-year-old. In order to help restore the water appearance of Fuyang’s “Neilu”, in March this year, Hengfeng Bank Hangzhou Fuyang Branch successfully invested 2.4 billion yuan to Hangzhou Fuchunshanju Group Co., Ltd. for a term of 15 years, and is specifically used for the ecological restoration and management of Yangpi Lake. Under the three-level linkage of the general, branch and branch, it took only 21 days from initiating the application to completing the credit approval. This "hard-core" financial support with a large amount, long term and fast speed has been highly recognized by the Fuyang District Government.
Green water and green mountains are gold and silver mountains.Hengfeng Bank insists on taking green finance as a long-term development strategy, focusing on "uploading scale, improving mechanisms, and building brands", deepening ESG management, implementing a number of first green finance businesses in the country, including the " carbon neutrality " green bond financing plan, the "carbon neutrality" concept factoring financing , and launching a series of special products and services. In 2020 and 2021, Hengfeng Bank's green credit balance increased by 52.8% and 140% year-on-year, showing a significant "acceleration". As of the end of September this year, the bank's green credit balance increased by 3.68 times compared with the beginning of 2020, increasing the investment and empowerment of the construction of " Beautiful China ".
Manufacturing is the foundation of our country and the foundation of a strong country. Hengfeng Bank regards serving manufacturing as a key task in practicing the responsibility of state-owned enterprises, focusing on the pain points, difficulties and bottlenecks of manufacturing financial services, reform and innovation, breaking through the situation, and actively helping to stabilize the economy, , and the construction of a "manufacturing power".
Zhongtian Technology Three Gorges New Energy Jiangsu Dafeng 300MW Offshore Wind Power Project
National-level single-chair demonstration enterprise Jiangsu Zhongtian Technology Co., Ltd. has anchored the "dual carbon" goal and has worked hard in the fields of offshore wind power, photovoltaic , energy storage, communication networks, etc. Recently, the company has expanded its strategic layout of offshore wind power and hydrogen energy, and explored the integrated development and utilization of offshore wind power and offshore oil and gas and energy storage. The new growth driver has brought about an increase in financing demand. Hengfeng Bank Nanjing Branch established a special service team to tailor the financial service plan, report and approve credit through the green channel approval mechanism of the head office branch, provide credit of 200 million yuan in pure credit and successfully issue the first loan of 30 million yuan, helping enterprises obtain sufficient funds at a lower financing cost.
Since this year, Hengfeng Bank has fully utilized the advantages of financial technology and outlet layout, continued to deepen the industrial chain and open up the innovation chain, and allocated more financial resources to key areas such as high-end manufacturing, scientific and technological innovation, and digital economy . Provide special authorization, allocation of special resources, providing special pricing, and supporting special products to help "knowledge" become "capital". As of the end of September this year, specialized and specialized enterprise loans increased by 514% compared with the beginning of the year. The "technical transformation and loan" business was implemented, medium- and long-term loans for manufacturing in the National Development and Reform Commission list were issued, and medium- and long-term funds for traditional industries in equipment renewal, technological transformation, green transformation and development. As of the end of September, the balance of medium- and long-term manufacturing loans in the bank increased by 32.89% compared with the beginning of the year. Continue to promote the layout of "commercial bank + investment banking", and successively implement the ultra-short-term financing of science and technology innovation under the "regular issuance plan" mechanism in Yunnan, the first science and technology innovation corporate bond in Zhejiang Province, to help high-level science and technology self-reliance and self-improvement.
Do a good job in financial services "addition and subtraction"
strives to improve people's livelihood and well-being
has passed the Cold Dew solar term and the weather has turned cold. The villagers of Houping Village, Gaojie Village Town, Qingjian County, Yulin City, Shaanxi Province have been waiting for the best planting period for red plum apricots. Everyone is busy purchasing seedlings and planning planting matters. With the help of Hengfeng Bank Xi'an Branch, the village will build a nearly 300-acre red plum apricot plantation, which is the "Hope Tree" for the whole village to increase income and become rich.
Hengfeng Bank Xi'an Branch First Secretary, Village cadres and Village Work Team staff purchased red plum apricot seedlings
Houping Village is located on Loess Plateau , close to Wuding River. Due to poor natural conditions and single industrial structure, young people basically go out to work, and only elderly people and children are left behind in the village. There are nearly 300 villagers scattered along the mountains, living in caves and planting jujube trees , and the poor people exceed one-third of the total population of the village. In June 2012, Hengfeng Bank Xi'an Branch became a "two alliances and one package" poverty alleviation unit in Shaanxi Province. Over the years, Hengfeng has helped both people and intelligence, and has invested a total of more than 1.7 million yuan. By establishing a cattle and sheep breeding industry, Houping Village has become the first village among the five poor villages in Gaojie Village and Town to get rid of poverty, and the villagers' annual income has increased from 1,700 yuan to 9,718 yuan.In order to help the development of the village collective economy, this year the Xi'an Branch actively cooperated with the county and town governments to explore and develop characteristic agricultural industries and choose red plum apricots that are resistant to drought, wind and sand, and barren to build plantations. It is expected that it can bring economic benefits to the village collective economy 60,000 yuan each year, helping villagers to move towards a better life of beautiful villages and rich people.
The people need, where finance is. Hengfeng Bank has fully implemented the important instructions and instructions of "the epidemic must be prevented, the economy must be stabilized, and development must be safe", focusing on promoting common prosperity, focusing on the people's "urgent, difficult and anxious" and providing good financial services for "addition and subtraction".
actively adjusts the credit structure and invests more funds in key areas and weak links of economic growth. Further increase support for infrastructure, industrial-city integration, and green finance, and provide "two stability and one guarantee" services, especially after the National Video Conference on Stabilizing the Economic Market on May 25, 68 billion yuan of loans were issued in one month. In accordance with the principle of "comprehensive and top-up, everything you can do, and precision and efficiency", we will establish a long-term mechanism of "dare to lend, be willing to lend, and be able to lend", incubate and implement the "Hengfeng Haofa" series of products, and create an expert bank to support rural revitalization. As of the third quarter, the growth rates of inclusive loans and inclusive agricultural loans reached 45.96% and 40.70% respectively.
optimizes services to help expand consumption and improve quality, and strive to meet the high-quality living needs of residents. Create platforms such as "smart medical care" and "smart government affairs", allocate special resources to develop automobile consumer finance, implement differentiated housing credit policies for new citizens, and continue to increase support in areas such as housing in urgent need, automobile consumption, education and medical care. To improve financial management service capabilities, Hengfeng Financial Management and private banks were approved to open, with more than 100 new access funds and insurance companies, actively helping residents' wealth growth.
Make full use of various policies and take multiple measures to "reduce the burden" for market entities. By actively extending to renew loans to , implementing pricing discounts, and reducing free use, we will increase the efforts to reduce fees and concessions. As of the end of September, the interest rate of inclusive loans fell by 15BP from the beginning of the year, and the amount of deferred principal and interest repayment for small and micro enterprises was more than 1.3 billion yuan. Shandong took the lead in exploring and improving one-stop approval and key business team promotion and other working mechanisms. The average time for project loans was shortened from 43 days to 14 days, effectively solving the problem of slow financing for major projects.
Enjoy the wind and rain, uphold the original aspiration, and strive for progress and continue the glory. Hengfeng Bank will resolutely shoulder the political responsibility of the overall market and the responsibility of state-owned enterprises, actively explore effective ways to serve the real economy, and continue to launch more upward, good and beautiful financial products and services, and strive forward on the new road to the exam.
