As the only national commercial bank group headquartered in Fujian, Industrial Bank has always been closely following the pulse of the development of the times, never forgetting its original intention and caring about its hometown, gathering its headquarters advantages and the group's multi-license advantages, and cheering and helping to accelerate the construction of a new Fujian with "active mechanisms, excellent industries, rich people, and beautiful ecology".
As of the end of April 2019, Industrial Bank's institutional loan balance in the province was 750 billion yuan, ranking first in the province in stock and incremental volume. More than 230 billion yuan was invested in the province through diversified financing channels such as bond underwriting and non-standard credit, and the cumulative tax payment within the province exceeded 100 billion yuan.
Optimize financial supply and continue to help high-quality development
In the important strategic opportunity period for Fujian's development, Industrial Bank fully grasps the transformation and upgrading trend of manufacturing in the province, deeply explores the three leading industries represented by electronic information, machinery and equipment, and petrochemicals, traditional advantageous industries represented by light industry, textiles, metallurgy, and building materials, and high-quality customers in strategic emerging industries represented by new energy vehicles, wind power, rare earths, and graphene. It has successively provided efficient financial support for the operation and industrial upgrading of a number of excellent enterprises in the province, including Fuyao Glass, Baihong JuFiber, Zijin Mining, and Shenyuan New Materials.
On October 30, 2018, in Stricht, Netherlands, Hengshen Holdings Group from Fuzhou, China completed the equity transfer of the global leader in caprolactam, Fubonte Holdings, and took the lead in opening up a complete industrial chain of 8 links in upstream and downstream, becoming the largest and most complete caprolactam production group in the world.
"We reversely acquired the 'world number one' as the 'fourth' and realized the coveted 'capollactam dream'. All this cannot be separated from the strong support of Industrial Bank!" Chen Jianlong, chairman of Hengshen Holdings Group, told reporters.
is the innovative implementation of cross-border mergers and acquisition loans under domestic and foreign loans through the linkage of domestic and foreign branches, helping Hengshen Holdings Group to achieve a "counterattack" and successfully complete the acquisition feat.
In March 2019, Anta Group Chairman Ding Shizhong said that it had acquired Finnish sports goods company Yamafin. Among the 2.2 billion euros Hong Kong syndicated loans arranged by its overseas mergers and acquisitions, Industrial Bank plays an important role, ranking first among the 21 participating groups with a share of 299 million euros.
good news is coming frequently. On June 11, the Science and Technology Innovation Board Listing Committee released the second list of companies that passed the review. Fuguang Co., Ltd., a member of Industrial Bank Group, successfully passed the review by relying on the group's comprehensive resources and leveraging its professional advantages in the equity investment field, becoming the first Science and Technology Innovation Board enterprise in Fujian Province to pass the review.
develops industry with its strength. In July 2016, the Fujian Technical Transformation Fund initiated and established by Industrial Bank provided new ideas for promoting economic transformation and upgrading under the new normal, giving full play to the leading and amplified role of commercial banks, and becoming a new engine for creating a Fujian industrial upgrading version and promoting supply-side structural reform.
From the end of 2018, the Fujian Technical Reform Fund has exceeded the first phase of 8 billion yuan investment, providing 8.035 billion yuan of low-cost funds to 73 manufacturing enterprises in the province, driving a total investment of 66 billion yuan, and achieving a fiscal fund leveraging social capital of more than 1:33. It saves more than 240 million yuan of financial expenses for manufacturing enterprises in the province every year, and promotes the construction and production of a number of key technological transformation projects of private enterprises such as Ningde Times New Energy , Newland Computer, Fuyao Glass, Aonong Biology, Damin Food, Nine Dragons Paper , Yongrong Technology, Shengnong Development, Panpan Food, etc., bringing tangible support to the development of the real economy of Fujian Province.
"This year, the provincial government launched a new round of special technical transformation actions. Our bank will continue to cooperate with the rolling development and expansion of the Fujian Technical Reform Fund to 12 billion yuan, and promote the transformation of 'Fujian Manufacturing' to 'Fujian Creation'." Wang Lingyun, general manager of the corporate financial business management department of Industrial Bank, told reporters.
is unique.Industrial Bank and the Fujian Provincial Department of Finance jointly initiated the establishment of a 20 billion yuan Fujian Provincial Government and Social Capital Cooperation (PPP) guidance fund. It has provided investment and financing support for a number of PPP projects that have been included in the provincial PPP project database and passed the financial affordability demonstration, including the mechanical and electrical equipment of Fuzhou Rail Transit Line 2, Longyan City, four counties, districts, and township sewage treatment plant network integration, and Quanzhou City East to Beifeng Expressway shantytown renovation.
On September 21, 2018, the PPP project for the operation and maintenance of existing assets of the Pingtan Comprehensive Experimental Zone was officially put into operation and maintenance. This project is not only the first existing assets PPP project of China PPP Fund and Fujian PPP Fund, but also the first project invested by China PPP Fund in Fujian Province.
"The continuous development of the economy and society requires urban infrastructure to be safer, more convenient and environmentally friendly. After the project is completed, urban sewage will be separated by centralized discharge of underground pipelines, and sewage will no longer be discharged through road surfaces, which will greatly improve the living environment of residents." Chen Xiaolan, general manager of Xingtou ( Pingtan ), introduced, "This project will also help resolve local government debt risks and increase efforts to support the filling of shortcomings in the infrastructure field."
Deeply cultivate Green Finance Depicting a new picture of beautiful Fujian
Ecology will prosper civilized. The results of the ninth national forest resource inventory released in 2019 show that Fujian Province's forest coverage rate is 66.8%, maintaining the highest number in the country for 40 consecutive years. From the first national ecological civilization pilot demonstration zone to the first national ecological civilization pilot zone, Fujian has cultivated new advantages in high-quality development. At the 8th Plenary Session of the 10th Fujian Provincial Party Committee, Provincial Party Secretary Yu Weiguo once again emphasized that it is necessary to fully implement the concept of "green water and green mountains are gold and silver mountains" and promote greater results in the construction of ecological civilization in Fujian Province.
Energy-saving and environmental protection, new energy vehicles, new energy equipment and other green manufacturing industries are an important part of the ecological civilization construction in Fujian Province. The green manufacturing industry in the province, represented by outstanding market entities such as CATL, Longjing Environmental Protection , and Longma Environmental Sanitation, plays an increasingly important role in the local economy.
As China's first "equatorial bank", Industrial Bank actively leverages its advantages in deepening green finance for more than 10 years, strives to serve the construction of "fresh Fujian" and do a good job in "ecological +". As of the end of April 2019, a total of 115.751 billion yuan of green financing was distributed to the province, which is expected to save 5.2567 million tons of standard coal in Fujian Province annually, reduce carbon dioxide emissions by 12.8561 million tons, and use 1.5198 million tons of solid waste.
"In 2017, we made a military order, and by the end of 2020, the cumulative green finance investment in the province will exceed 130 billion yuan and the balance will exceed 60 billion yuan." Luo Shiyi, general manager of the Green Finance Department of Industrial Bank, said, "The head office will prioritize green finance special risk assets, credit scale, green financial bond funds, financial resources, etc. in green finance projects in the province. The current target progress completion rate exceeds 80%. "
In order to help Fujian's "River Changzhi" and "Hu Changqing", Industrial Bank signed a strategic cooperation agreement with the Fujian Provincial River Chief Office, and plans to provide no less than 30 billion yuan in green financing to support Fujian's key areas such as water resource protection, water pollution prevention and control, and water environment improvement. The provincial branches have also signed cooperation agreements with the local river chief office, and established a river protection volunteer team to hold environmental protection theme activities from time to time to jointly protect the clear water and green banks of Fujian rivers and lakes.
As the commercial financial institution with the largest balance of green financial bond issuance in the world, Industrial Bank also actively uses diversified financing tools such as bond underwriting to effectively serve a series of green finance projects such as CATL Huxi Lithium-ion Power Battery Production Base Project, Xiamen Pumped Storage Power Station Project, Fuzhou Yangli Sewage Treatment Plant, Anxi Qingyang Wind Farm, Nanping Central Urban Sanjiang Six-Bank Greening Landscape Project, Sanming Landscape Project and other series of green finance projects. In addition to financing, Industrial Bank is more actively engaged in building a green financial system for Fujian. In 2016, at the invitation of the Fujian Provincial Financial Office, Industrial Bank assisted in the drafting of the "Overall Plan for the National Green Finance Comprehensive Reform and Innovation Pilot Zone (Fujian)".Starting from the same year, we will support the construction of the pilot construction of carbon emission trading in Fujian Province, and provide a package of financial services including transaction structure and institutional design, training, fund custody and liquidation.
Empowers the private economy "Financial water" fully flows
The private economy is the main force in the economic development of Fujian Province, and "there are two of the three parts of the world" in the province's total economic output. Industrial Bank has always actively implemented the spirit of the CPC Central Committee and the State Council on financial institutions serving private enterprises, "slow down, calm down, and down", and has continuously built an exclusive product system and precise service strategy to "simplify settlement and attract customers, serve customers with differentiated financing, and enhance customers with value-added services", focusing on the financial needs of private small and micro enterprises, and continue to build an exclusive product system and precise service strategy to "simplify settlement and attract customers, serve customers with differentiated financing, and enhance customers with value-added services", to promote the work of financial services for private enterprises to a higher level. As of the end of April 2019, the provincial branches served 3,957 private enterprises, with a financing balance of 115 billion yuan, 25,000 small and micro enterprise customers, with a financing balance of 119.2 billion yuan.
Domestic well-known kitchen and bathroom building materials enterprise Jiumu kitchen and bathroom is a typical case of Industrial Bank providing integrated financial services to enterprises in the province. According to the diversified financial needs of the company at different stages of development, Industrial Bank provides it with a series of products and services such as bill pools and online financing, Fujian Provincial Technical Reform Fund, carbon emission mortgage loans, project loans, FICC exchange rate hedging, mobile bill collection, etc., with a financing balance exceeding 1 billion yuan.
"Dali Model" is another feature of Industrial Bank using the group's network advantages to serve private enterprises. Dali Food Group is a leading enterprise in the domestic food industry. It plans to add multiple production lines in 2017, and subsidiaries in various places have the need to issue letters of credit to import equipment. Industrial Bank immediately opened an account for its subsidiaries, handled financing and provided a green channel for loan approval, realizing "national business handling in one place". As of the end of April 2019, the bank has established business transactions with Dali Group's 16 subsidiaries and provided a credit of 15 billion yuan.
Industrial Bank uses innovation to drive the continuous improvement of service efficiency of private small and micro enterprises. In addition to innovatively launching exclusive loan products such as "Yisu Loan", "Transaction Loan", "Lianlian Loan", and "Tax Yirong", it also actively improves the functions of Internet mobile products such as "Xingye Butler", "Cash and Payment Express", and "Xing e Payment", and comprehensively uses special businesses such as bond underwriting, asset securitization, and merger and acquisition loans to expand financing channels for small and medium-sized enterprises. In February 2019, Industrial Bank cooperated with the Fujian Provincial Department of Science and Technology and the Financial Regulatory Bureau to launch the "Science and Technology Loan" business and took the lead in issuing the first loan in the province. By introducing credit-enhancing measures such as technology loan risk compensation and insurance institutions, it helped the growth of science and technology innovation enterprises in the province. It landed 274 million yuan in just three months, supporting 23 science and technology innovation enterprises.
"The head office has established a private enterprise service leading group, and has added assessments on the credit growth of private and small and micro enterprises in the annual comprehensive assessment of the branches and their persons in charge. This has also encouraged us to continuously provide good products and services to the front line to meet the needs of the market and customers." Li Taishun, general manager of the Small and Medium Enterprises Department of Industrial Bank, told reporters.
"Sesame Blooming·Xing Investment" investment and financing platform is another powerful tool for Industrial Bank to serve the development of science and technology-oriented private enterprises. The platform has built a 7×24-hour online investment and financing bridge between enterprises and private equity investment institutions. Since its launch in the second half of 2018, 99 technology-oriented private enterprises have been released online and 56 docking projects have been connected.
promotes the integrated development of cross-straits, and Industrial Bank continues to take the lead. Professional branches have been established in Taiwanese investment zones such as Pingtan, Xiamen, and Quanzhou , to provide personal services to Taiwanese-funded enterprises, and have accumulated credit of over 10 billion yuan to 76 Taiwanese enterprises including Sun Hungzhou Precision Technology and Yuda Precision Industry.Strengthen cooperation with Taiwanese banks, set up a cross-strait RMB clearing center in Xiamen, and provide financial services such as cross-border RMB clearing and supporting financing for banks in Taiwan; provide nearly 20 billion yuan in credit to more than 10 Taiwanese banking groups including China Trust and Cathay World Bank, jointly provide cross-strait enterprises with a package of cross-strait and cross-border services including daily operations, trade financing, investment and mergers and acquisitions.
Practice social responsibility and create an inclusive finance "industry sample"
Finance is the blood of the economy, and the implementation of rural revitalization is inseparable from financial support. In recent years, Industrial Bank has actively improved its political stance, accurately connected with the rural revitalization strategy deployment of the provincial party committee and government, guided the effective docking of rural revitalization support policies with credit funds, leveraged the advantages of rich financial products and advanced information technology, and allocated financial resources to key areas and weak links of rural revitalization, continuously promoted the deep integration of financial reform and innovation and rural revitalization, and helped the implementation of Fujian Province's rural revitalization strategy.
further promotes rural "two rights" mortgage loans and forest rights mortgage loans in the province, promotes cluster marketing of small and micro enterprises with special "three rural" such as tea, aquatic products processing, bamboo and wood processing, and edible fungi, and continues to increase credit investment in leading agricultural enterprises and characteristic industries. As of the end of April 2019, the province's agricultural loan balance was 56.6 billion yuan, supporting the development of agricultural enterprises such as Aonong Bio, Fuhai Grain and Oil, Panpan Food, and Shihai Fisheries, and promoting the construction of key agricultural projects such as the Shunchang Shenmu Agricultural Deep Processing Project, Fuzhou Haiwenming Aquatic Products Deep Processing Project, and the Longyan Grany Vitamin E Deep Processing Project.
opens up the "last mile" of financial services in rural areas, and sets up 79 county outlets, 86 self-service banks and 477 electronic service equipment in the province. Through the unique bank-bank platform, it serves 41 small and medium-sized bank customers in the province, and continues to export financial products, payment and settlement services, system construction and operation and maintenance services, financial cloud technology, etc. to rural financial institutions, and uses interbank credit, interbank certificate investment, circulation, bill discounting and other methods to broaden the sources and channels of funds for rural financial institutions, improve the agricultural support capabilities of rural financial institutions, and give wings to take off for rural revitalization.
Developing inclusive finance is not only the unshirkable social responsibility of financial institutions, but also a strategic choice with great potential. Industrial Bank keeps up with the development trend of financial technology, actively promotes digital transformation, accelerates the construction of "Digital Fujian" in the new era, and creates a series of "smart city" businesses to enhance the better life of the people of Fujian Province.
During this year's May Day, Mr. Yang, a citizen, went to Mazu Temple on Meizhou Island for a trip, which coincided with the upgrade of the "Smart Tourism" project of Industrial Bank Putian Branch. "Buy tickets through your mobile phone, you just need to swipe your ID card or automatically check the reserved portrait to pass the ticket inspection gate at the entrance of the scenic spot, and you no longer have to queue up!" Mr. Yang said happily. In terms of smart travel, Industrial Bank cooperates with Fujian Province Expressways to combine technologies such as the Internet of Things, big data and mobile Internet to allow car owners to pay highway tolls through mobile QR codes. The project has been opened at all toll stations across the province.
In order to improve the medical environment for the people, Industrial Bank has explored a new service model of "Internet + Medical + Finance" and was the first to launch a "smart medical" financial solution, building a "handheld hospital" for major hospitals in the province, realizing one-stop processing such as registration, payment, triage, and report inquiry. It has currently covered 77 provincial hospitals including the Provincial, Union, and Maternal and Childhood.
serves the old Soviet area to get rid of poverty and achieve a well-off life. Industrial Bank is also unwilling to lag behind. The bank takes the five major financial poverty alleviation mechanisms of "industrial poverty alleviation, product poverty alleviation, channel poverty alleviation, targeted poverty alleviation, and education poverty alleviation" as the starting point, and "blood transfusion" and "blood production" to help Fujian Province's poverty alleviation efforts. As of the end of April 2019, the balance of financial targeted poverty alleviation loans in the province was 88.63 million yuan, driving 240 poor people with registered files, helping 224 million yuan in loans to those who have been lifted out of poverty, and driving 527 people who have been lifted out of poverty.
On October 17, 2018, my country's fifth national poverty alleviation day, Industrial Bank donated 2 million yuan to the Zhenghe County charity poverty alleviation fund to provide targeted funding to local registered poor households.Since its link to assist Zhenghe County in 2012, the bank has donated more than 33.8 million yuan in Zhenghe County's infrastructure and poverty alleviation, and will continue to donate 15 million yuan in the next two years.
However, "It is better to teach people how to fish than to teach people how to fish." Industrial Bank has helped the government improve its own hematopoietic function through a series of measures such as infrastructure construction, industrial park development, and dispatching key employees to participate in poverty alleviation and development. The bank gave Zhenghe Tongxin Economic Development Zone Construction Investment Company a 10-year 360 million yuan reduction interest rate of 30% development loans to help local industrial development; a total of 1.2 billion yuan was issued to 30 enterprises in Zhenghe County, driving the development of local mechanical and electrical, food, and bamboo and wood industries, and providing support for the economic development of the county; it sent backbone of business to serve as the first secretary of the party branch of the linked village, using the poverty alleviation funds of the industry to leverage the resources of governments, enterprises and institutions at all levels, build village water and electricity profit projects, promote the sales of agricultural and sideline products, and achieve village financial income growth, and build a number of people's livelihood projects such as the Banyuan Village irrigation canal in Zhenghe County and the Waitun Village Senior Happiness Home to illuminate hope for Zhenghe County to get rid of poverty and become rich.
A century-old plan, education is the basis. Relying on the resources of the entire group, Industrial Bank has achieved diversified and systematic coverage of education poverty alleviation in the province, covering special education, from primary schools to universities. From the establishment of Industrial Bank for Care for the Next Generation Scholarship in 2000, to the establishment of Industrial Bank charitable scholarship in 2007, to the establishment of Industrial Bank charitable scholarship in 2016, its subsidiary Industrial Bank Consumer Finance Company donated more than 10 million yuan to support the establishment of the Quanzhou Education Foundation Special Education Special Fund, the entire group of the province has donated more than 60 million yuan in the field of education charity, and has funded more than 10,000 poor students in Fujian Province.
You can see the mountains green when you look up, so you should take advantage of the east wind to get the horse's hooves. On the new journey of building a new Fujian in the new era, Industrial Bank will adjust its business structure, continuously expand its financial supply, continuously improve its level of serving the real economy, better play the role of the leading financial institutions in the province, overcome difficulties, be brave and persevering, and implement catch-up with better results.
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