In 1912, the Fudian Bank brand was founded. The Fudian Bank in history played an important role in promoting the development of Yunnan's local economy and created a brilliant financial history.

Member style

Over the past decade, the total assets of major operating indicators increased by 215.51% compound growth rate 12.18%, loan scale increased by 275.6%, compound growth rate 14.15%, deposit scale increased by 193.76%, compound growth rate 11.38%, net profit

This is a century-old "time-old brand" bank. In 1912, the Fudian Bank was founded. The historical Fudian Bank played an important role in promoting the development of the local economy in Yunnan and created a brilliant financial history.

This is also a young bank. In December 2007, Fudian Bank was reorganized and established on the basis of the original Kunming Commercial Bank, becoming the only provincial city commercial bank in Yunnan Province, opening a new journey.

Ten years of progress and stride in a new journey. Since the 18th National Congress of the Communist Party of China, Fudian Bank has insisted on the Party's management of finance, and is based on serving the real economy and serving the people's lives. It strives to follow up and implement it wherever the decisions and deployments of the provincial party committee and the provincial government are, and play a greater role in promoting the development of key industries, serving small and medium-sized enterprises, and assisting rural revitalization. Over the past ten years, Fudian Bank has invested a total of 727 billion yuan in various loans, helping Yunnan's economy achieve driving force and quality changes, and strengthening the border and enriching the people and prospering the industry.

"new force" to support Yunnan's economic development

022 is the 110th anniversary of the founding of the Fudian Bank brand and the 15th anniversary of its reorganization. Fudian Bank has delivered a wonderful answer sheet with moderate scale, distinctive characteristics, good quality, significant benefits, continuous improvement of market influence, and continuous improvement of brand influence. It has become the "new force" of finance to support local economic development, and the role of state-owned enterprises as the pillar of the pillar is constantly demonstrated.

As of the end of June 2022, the bank's asset size was 330.6 billion yuan, an increase of 215.51% over 2012; the loan balance was 187.1 billion yuan, an increase of 275.6% over 2012; the deposit balance was 220.3 billion yuan, an increase of 193.76% over 2012; the net profit in 2021 was 609 million yuan, an increase of 488 million yuan over 2018.

This is a bank that dares to innovate and stands at the forefront - successfully issued Yunnan's first small and micro enterprise financial bonds of 7 billion yuan, Yunnan's first secondary capital bonds of 5 billion yuan, Yunnan's first secondary capital bonds of 3.5 billion yuan, Yunnan's first green finance bonds of 1 billion yuan, Yunnan's first rural financial bonds of 1 billion yuan, Yunnan's first bank perpetual bonds of 2 billion yuan...

Over the past decade, Fudian Bank has subscribed a total of 27.4 billion yuan of local government bonds in Yunnan Province, and introduced 169.8 billion yuan of funds from outside the province to support the development of Yunnan's local economic development.

Fudian Bank closely focuses on the requirements of "doing all its best to achieve development first, doing the first priority of attracting investment, and improving the competitiveness of the business environment first". In the atmosphere of strengthening the focus of industries in the province, focusing on the optimization and upgrading of traditional pillar industries and accelerating the cultivation of strategic emerging industries, and accurately supporting key industries and major projects in the province with more pragmatic and efficient financial services, and supporting Yunnan to build a trillion-level modern industrial system of hundreds of billions of yuan. Over the past ten years, a total of 100.7 billion yuan of credit funds have been invested in the construction of major projects in the province, and 58 billion yuan of financing support has been provided to the manufacturing industry.

Today, Fudian Bank has 173 business institutions covering 16 prefectures and cities in Yunnan and Chongqing. It initiated the establishment of 4 village banks and established Lao Zhong Bank in Laos Holdings. It is the first and only urban commercial bank in the country to establish a subsidiary overseas.

Today, Fudian Bank is the banking institution with the most complete business qualifications in Yunnan Province. It is a member of the national interbank bond market and interbank lending market, a member of the China Foreign Exchange Trading Center, and a member of the Shanghai Gold Exchange . It has qualifications such as underwriting of treasury bonds and various bonds, cross-border transportation of foreign currency cash.

Today, Fudian Bank's market rating AA+ was ranked first in the internal control inspection and evaluation of provincial enterprises by the Provincial State-owned Assets Supervision and Administration Commission and the Provincial Department of Finance.

Strengthen the Party Building and gather the development synergy

Fudian Bank adheres to the "first issue" learning system , carry out in-depth party concentrated learning and education such as party history learning and education, lay a solid political loyalty among all party members, cadres and employees, and consolidate the ideological foundation for the high-quality development of .Strengthen grassroots party building and build a strong organizational system, strictly implement basic systems such as " three meetings and one class ", organizational life meeting , democratic life meetings, theme party days, etc., and continue to implement all requirements of grasping the grassroots, strengthening the foundation, and consolidating the basics through "list-based management" and "project-based promotion". Carry out in-depth construction of "clean and rich Yunnan", strengthen internal control, prevent risks, and promote compliance with the characteristics of financial enterprises, and vigorously cultivate a culture of integrity and compliance. Strengthen supervision of the "top leader" and the leadership team, strictly implement the spirit of the Central Eight Regulations, unswervingly strengthen the construction of the Party’s work style and clean government and the fight against corruption, and strive to build a political ecology with clean style and upright atmosphere.

Through the in-depth implementation of the three-year action plan for state-owned enterprise reform, Fudian Bank has continuously strengthened the Party's leadership, continued to explore and improve the modern financial enterprise system with Chinese characteristics, and achieved significant results in the construction of the cadre and talent team, the asset scale reached a new high, the asset quality was continuously consolidated, the business structure was continuously optimized, and the profitability was continuously improved. Better play the leading and driving role of provincial local legal person banks in serving entities, smooth circulation and stable growth, and continue to strengthen, improve and expand state-owned financial capital.

In the future, Fudian Bank will continue to adhere to the guidance of Xi Jinping Thought on Socialism with Chinese Characteristics for a New Era, thoroughly study and implement the spirit of General Secretary Xi Jinping’s important speech during his inspection of Yunnan, adhere to the Party’s overall leadership over financial work, keep the original aspiration and keep the mission in mind, and lead all work with comprehensive and strict governance of the Party with , firmly establish the efficiency awareness of “no matter how late it is, it is early, and no matter how early it is tomorrow is, it is late”, deeply implement the “three transformations and three laws”, promote the style revolution and the efficiency revolution to go deeper and more practical, and show new responsibilities and new actions on the road to the test in the new era.

5.9 billion

helps fight the battle of "lake revolution"

keeps up with the in-depth promotion of green industry development plans, Fudian Bank gives priority to supporting green Advanced manufacturing , and fully serves the construction of industrial parks, the development of small and medium-sized enterprises of the chain. Provide a credit of 7.8 billion yuan for green aluminum industries such as Shenhuo Aluminum; provide a credit of 3.5 billion yuan for green photovoltaic industries such as Qujing Jingao and Chuxiong Jingke; provide a financing support of 9.5 billion yuan for infrastructure construction in Heqing Xinghe Industrial Park and Wenshan Funing Industrial Park, helping Yunnan's green economy achieve "stock transformation" and "incremental rise".

Fudian Bank unswervingly implements new development concept , actively practices environmental, social and corporate governance (ESG), and the green financial service system has become the benchmark bank recognized by People's Bank of China, and promotes carbon peak and carbon neutrality through business innovation and management improvement, helps carbon peak and carbon neutrality, helps Yunnan's economy green transformation, and protects green waters and mountains with financial power.

Practice Xi Jinping's ecological civilization thought, Fudian Bank firmly establishes and practices the concept of "green water and green mountains are gold and silver mountains", steadily promotes the development positioning of green finance, promotes the steady development of green finance, promotes the mutual win-win situation of ecological protection and economic development in Yunnan, strive to be the vanguard of ecological civilization construction in the country, and builds a green and beautiful Yunnan.

focuses on plateau lake management. Fudian Bank has provided a total of 15.9 billion yuan in credit for the protection and management of plateau lakes such as Dianchi Lake, Erhai , Fuxian Lake, Yilong Lake, and Lugu Lake. It supports green and beautiful rivers and lakes, healthy rivers and lakes, and fight the "lake revolution" battle. The first green financial bond in Yunnan was successfully issued 3.5 billion yuan, helping to create a development model that is harmonious with the economic environment and the natural environment, and the ecological restoration industry and emerging industries.

6.4 billion

Increase financial supply services Rural revitalization

Make every effort to help the poverty alleviation work. Fudian Bank has sent a total of 112 village cadres to fight poverty, and to Dali , Kun Ming, Honghe , Nujiang , Zhaotong and other places donated more than 45 million yuan in poverty alleviation funds to help designated assistance units Taiyi Township and Shejue Township, Dongchuan District, Dali City get rid of poverty; the innovatively developed poverty alleviation micro-credit product "Fudian-Grameen Poverty Alleviation Loan" was rated as the China Charity Award by the Ministry of Civil Affairs and won the honorary title of " National Advanced Collective for Poverty Alleviation" awarded by the Party Central Committee and the State Council. It is the only financial institution in the province to win this honor.

In order to earnestly connect the consolidation and expansion of poverty alleviation results with rural revitalization, in 2021, Fudian Bank took the lead in establishing a rural revitalization center among Yunnan Province's financial institutions, striving to give full play to the flexibility and efficiency advantages of local commercial banks, and make up for local financial shortcomings through reform and innovation. Currently, Fudian Bank has sent 35 rural revitalization cadres to continue to play a role in consolidating poverty alleviation and continuing rural revitalization.

supports the "hundred and tens of millions" demonstration project of rural revitalization, and combines the "one, two, and three" actions to accelerate the promotion of agricultural modernization, increase rural financial supply, and better meet the diversified and multi-level financial needs of rural revitalization. Focusing on the regional characteristic industries development layout of "one county, one industry" and "one village, one product", relying on Yunnan's advantages in plateau characteristic agriculture, we focus on 10 types of planting industries such as grain, tea, flowers, fruits, vegetables, nuts, coffee, Chinese medicinal materials, tobacco, and edible fungi to carry out special financing services, providing financial support for new agricultural operators with more than 2.3 billion yuan. Promote financial in the countryside, set up 487 inclusive financial service stations, covering 229 townships and 444 village committees.

As of the end of June 2022, the bank's agricultural loan balance was 46.4 billion yuan, accounting for 24.83% of the bank's various loans, an increase of 1.54 times from the end of 2018. Among them, "Yunnong Loan" has invested a total of 4.664 billion yuan, serving 31,100 farmers and agricultural enterprises.

1.9 billion

Cross-border RMB settlement continues to grow

bravely shouldering the historical mission of "financial service to the country", actively serving "the needs of the country and what the people hope", Fudian Bank has become a "leading" bank - the first and only urban commercial bank in the country to establish a sub-bank overseas; the first bank in the country to realize border trade cross-border RMB direct to Vietnam, Laos, Myanmar 3 countries; the first bank in the country to realize "China" The first bank to directly clear the country to clear the currency; the first city commercial bank to be approved for cross-border transportation of foreign currencies; the first bank to open up the cross-border transportation of RMB cash in China; the first market maker of the Chinese foreign exchange trading center Thai Baht trading city commercial bank in China; the first city commercial bank in the country to realize the direct clearing cooperation relationship with Vietnam, Laos and Myanmar; the first multi-mode cross-border settlement bank in the country to fully online market procurement trade...

Fudian Bank uses financial access to ensure the connectivity of facilities and smooth trade, helping Yunnan become a strategic link between the domestic market and the international market in South Asia and Southeast Asia, an important support for the "big circulation and dual circulation", and build a radiation center for South Asia and Southeast Asia. Continuously optimize the electronic linkage cross-border settlement of the first and second-level markets of border residents' trading, vigorously promote online settlement, and promote the rapid and orderly development of border residents' trading business in Honghe Hani and Yi Autonomous Prefecture . Over the past ten years, the cumulative cross-border RMB settlement has been handled for more than 41.9 billion yuan.

Follow the three-year construction plan of the China-Laos Railway, Fudian Bank takes advantage of the establishment of Laos and China Bank in Laos, and through mother-son linkage and proactive innovation, it actively serves Yunnan Province's "RCEP access", "Kunming City Managed Mohan Moding Special Economic Zone", "Border and Representative Market Implementation Processing Reform", China-ASEAN Major Market Trade Connection, Yunnan's implementation of "dual circulation" hub construction, free trade zone linkage services, "China-Laos Overseas Investment", etc.

Fudian Bank seized the opportunity of Yunnan becoming a pilot province for building a strong transportation country, and guided by the major infrastructure "Double Ten" project, accelerated the high-quality development of infrastructure, and provided strong financial support and guarantee for the high-quality development of the province. 29 billion yuan of financing support will be provided to key transportation enterprises and key transportation projects in the province, 5 billion yuan will be invested in major infrastructure "Double Ten" projects, and the "big channel" projects of Mengla to Mengman Exit Expressway, Menglian to Menghai border expressway, the construction of "interconnection" projects such as Zhaotong Yibi Cross-provincial Expressway, and the construction of modern urban core comprehensive transportation hubs such as key road network projects in the province such as Wukun Expressway, Dali Expressway, and Longjiang Super Bridge, and promote the construction of "external connection, internal smoothness, and interoperability".

65.7 billion

injects "financial vitality" into small and micro enterprises

Actively implement the decisions and deployments of the Party Central Committee, the State Council, the Provincial Party Committee and the Provincial Government on the development of inclusive finance. Fudian Bank uses " Internet + " and big data technology to actively explore the construction of digital inclusive financial products, make offline and online, and continuously improve the support for small and micro credit loans, use "big data" to mine "small credit" and use "big data" to help "small dreams".

As of the end of June 2022, the loan balance of small and micro enterprises was 65.7 billion yuan, an increase of 83.19% over 2018; the balance of inclusive loans was 9.9 billion yuan, 2.1 times that of 2018; the number of inclusive financial loans was 145,800, 23 times that of 2018. Inclusive finance’s “credit loan” increased from 405 million yuan in 2018 to 6.749 billion yuan, an increase of 16.66 times.

launched a series of financial measures to stabilize market entities and alleviate difficulties, strengthen financial support for industries and enterprises severely affected by the epidemic, urgently introduced 11 measures to support the fight against the epidemic and 22 measures to stabilize the economy, and the first in the country to launch a "hundred and tens of millions" action plan to support the fight against the epidemic with interest-free concessions, and a total of 7.952 billion yuan of loan repayment for small and micro enterprises. We have made every effort to reduce fees and take the initiative to pay for fees, and have reduced fees and made a total of 350 million yuan in the past two years.

This year, Fudian Bank launched the "Three Thousand Plan" action to help optimize the business environment and promote the multiplication of market entities. Provide preferential interest rate loans of no more than 3.99% for new entities, new customers and first-time lenders. As of the end of June 2022, a total of 219 transactions were invested, with a total amount of 97.76 million yuan and a reduction in fees and concessions of 2.96 million yuan.

96.5 billion

Digital credit loan quality and efficiency improvement

Seize the major historical opportunity of Digital economy development. Fudian Bank takes the application of financial scenarios as the entry point, uses "digitals" to empower the economy and improve quality for development, helps Yunnan to build a new highland for digital economy development, and comprehensively promotes the digital transformation of the economy and society. Using smart tourism as an important means to serve the construction of digital Yunnan, covering Yulong Snow Mountain , Jianshui Ancient City , Yuanyang Terraced Fields, Lugu Lake, Heshun Ancient Town , Xishuangbanna Gaozhuang, Maitreya Dongfengyun and other tourism scenarios, and a total of 15.85 million tourists are served. To help the elderly cross the " digital divide ", the mobile banking app provides a "aging-friendly" version to comprehensively improve the experience of elderly assistance services. Embed financial services into life scenarios such as food, clothing, housing and transportation, covering services such as cinemas, takeaways, malls, and in-store consumption, creating a local digital life scenario.

As of the end of June 2022, a total of 215 digital credit products have been put into place, with a loan balance of 17.3 billion yuan; a total of 4.5 million credit users; and a total of 96.5 billion yuan.

Content source: Yunnan Daily

Editor: Wang Yuanyuan