The sun and the moon change, the light and shadow flow, and the fragrance blooms; The picture scroll is so charming with hard work, ink and color. In 2023, the horn of progress will be sounded from north to south. This year, we adhered to the ambition of serving the country and serving the people of finance, practiced the new development concept, and worked hard to make the beginning a decisive battle and the beginning a sprint. We used practical actions to add color to the high-quality economic development of Zhangzhou and help citizens live a happy life.
Looking back to 2023, Industrial Bank Zhangzhou Branch knows the distance, does not change its original intention, undertakes the mission, is not afraid of wind and rain, is brave to develop, is unwilling to be mediocre, and continues to create brilliance on the way forward. By the end of December 2023, the balance of deposits was 57.4 billion yuan, an increase of 18% over the beginning of the year, and the balance of loans was 44.6 billion yuan, an increase of 6% over the beginning of the year. Successively won Zhangzhou City Honorary titles such as enterprise with outstanding economic contribution, bank organization with outstanding contribution in Zhangzhou, bank with outstanding contribution in service industry development in Zhangzhou, etc.
Accelerate transformation and development, improve service quality and efficiency
Since 2023, Industrial Bank Zhangzhou Branch has adhered to the new development concept, strengthened innovation and activation, and provided powerful and effective financial services.
Adhere to the concept of innovative development and improve the quality and efficiency of financial services. The way out for high-quality development lies in innovation. In 2023, Industrial Bank Zhangzhou Branch will deepen the strategic transformation of "commercial bank+investment bank" 2.0, and launch a number of innovative businesses that are the first in China and the first in the province. For example, the first United Nations Sustainable Development Goals dim sum bond in China, the first non-financial local state-owned enterprise overseas blue bond in China, and the largest lowest interest rate offshore bond in Fujian Free Trade Zone were issued. In 2023, the bank's annual debt financing instrument underwriting scale will exceed 10 billion yuan for the first time.
Technology is the first driving force of innovation. Industrial Bank Zhangzhou Branch focused on the field of scientific and technological innovation, increased the application of three major products of "science and technology loan", "talent loan", "investment linked loan" and the evaluation system of "technology flow", and helped scientific and technological innovation enterprises to transform "knowledge and property" into "assets" and "soft power" into "hard currency". At the same time, the Bank also took technology as its source power, used "new technology" to create "new finance", launched Industrial Bank's first smart agricultural approval system in Fujian Province, launched Industrial Bank's first park service platform in Zhangzhou Branch, and promoted the new model of smart city scene service.
Adhere to the concept of green development and support high-quality economic development. As a pioneer of green finance, Industrial Bank Zhangzhou Branch focuses on green finance, focuses on clean energy, energy conservation and emission reduction, makes full use of carbon emission reduction tools, promotes carbon emission reduction loans, vigorously supports ecological environmental protection projects, makes green manufacturing enterprises, actively creates a green financial ecosystem, and helps the transformation and upgrading of traditional industries and the development and growth of green emerging industries. In 2023, the bank's green financing balance will exceed 10 billion yuan.
Adhere to the concept of coordinated development and promote balanced regional development. The fundamental way to achieve balanced regional development is to comprehensively promote rural revitalization, let backward villages catch up, and achieve balanced urban and rural development. In 2023, Industrial Bank Zhangzhou Branch will base on Zhangzhou's resource endowment, deepen the strategy of "region+industry", and vigorously support local agricultural leading enterprises and rural characteristic industries. At the same time, through the leading role, we will provide financial products and services for farmers and agricultural enterprises through supply chain finance and online and offline channels, drive the employment and development of upstream and downstream farmers and individual businesses, and achieve the overall drive of rural industries. By the end of December 2023, the balance of agricultural loans of the Bank had exceeded 12 billion yuan, an increase of 14% over the beginning of the year, and the balance of inclusive agricultural loans had exceeded 800 million yuan, an increase of 33% over the beginning of the year.
Increase credit investment and fully serve entities
Since 2023, Industrial Bank Zhangzhou Branch has made every effort to serve the real economy, attract flowing water and open channels, and help improve the quality and efficiency of economic operation.
Project construction is an important cornerstone for stabilizing the overall economic market. To promote the construction of key projects with greater efforts, it has become a powerful starting point for stabilizing the economy and promoting development. In 2023, Industrial Bank Zhangzhou Branch will focus on the industrial planning and layout of Zhangzhou City, actively connect with provincial and municipal key projects, technological transformation projects, inventory asset revitalization projects, China Philippines "two countries, two parks" projects, strengthen financial empowerment, and help project construction "accelerate"; At the same time, based on the fund demand of key projects, credit support was given to Sinopec Fujian Mango Project, Xiamen Zhangzhou Water Resources Jiulong River Diversion Project, Longhai District Old City Reconstruction and Upgrading Project, Nanhu Hotel Project and other key projects. As of the end of December 2023, the Bank's key projects had credit exposure of more than 20 billion yuan, which is expected to drive effective investment of more than 30 billion yuan.
Private economy is an important part of real economy. In 2023, Industrial Bank Zhangzhou Branch will promote online offline business, make good use of inclusive loan support tools, promote loan interest relief and preferential activities, and constantly reduce the financing costs of private small and micro enterprises. By the end of December 2023, accumulative low-cost funds for private small and micro enterprises have exceeded 13 billion yuan, saving more than 30 million yuan in financing costs for enterprises; In this year, the accumulated cost reduction and profit concession reached nearly 8 million yuan, benefiting nearly 17000 small and micro enterprises.
Follow the policy guidance to promote the integration of Zhang and Taiwan
Since 2023, Industrial Bank Zhangzhou Branch has closely followed the policy guidance, built a "golden" bridge and connected the two sides of the Taiwan Straits, making the integration of Zhangzhou and Taiwan closer.
In September 2023, the Opinions of the Central Committee of the Communist Party of China and the State Council on Supporting Fujian to Explore a New Road for Cross Strait Integration and Development and Build a Cross Strait Integration and Development Demonstration Zone was released, which pointed out the direction for deepening cross Strait integration and development in various fields. To this end, Industrial Bank Zhangzhou Branch insists on promoting finance by means of communication, benefit and emotion, and builds a "financial bridge" to explore a new way of integration and development between the two sides of the Taiwan Straits.
To promote finance through benefits, real money and silver help Taiwan compatriots and Taiwan enterprises reduce their burdens. Zhangzhou Branch of Industrial Bank earnestly implemented policies such as capital account facilitation and trade and foreign exchange revenue and expenditure facilitation for high-quality enterprises, and expanded the margin for Taiwan enterprises through measures such as preferential financing pricing and preferential rates. In the past two years, it has handled all kinds of facilitation capital account businesses, trade foreign exchange receipts and expenditures for Taiwan funded enterprises under its jurisdiction, and remitted more than 4 million yuan of service charges for foreign-related businesses.
Facilitate finance through communication, and unblock financing channels for Taiwan enterprises online and offline. Industrial Bank Zhangzhou Branch precisely matched the financing needs of Taiwanese enterprises, launched products such as "Taiwan Entrepreneurship Loan" and "Taiwan Entrepreneurship Loan", cracked the financing bottleneck and enhanced development confidence; Relying on Jinfuyun's "Taiwan Financial Service Zone - Zhangzhou Special Zone", it provides Taiwan enterprises with the latest policy information, financing application channels and display windows of interbank financial products, and unblocks credit channels.
Promote integration with emotion, and the professional team customizes the service plan. In response to the business needs of every Taiwan funded enterprise, the Bank has set up a "trinity" working group of customer managers, product managers and tellers to respond to the financial needs of enterprises in a timely manner, so that Taiwan funded enterprises can feel the warmth of home.
Practicing finance for the people, helping people's livelihood improve
Since 2023, Industrial Bank Zhangzhou Branch has carried out the mission of finance for the people, focusing on practical matters and benefiting the people's livelihood, so that the people's well-being is more and better.
"Come inside and sit down and have a cup of hot tea to warm up." Under the warm invitation of the staff of Industrial Bank Zhangzhou Branch, two couriers walked into the "Laborers' Posthouse" to rest and warm up. This winter, Industrial Bank's "labor station" has become a haven for outdoor workers. Up to now, Industrial Bank Zhangzhou Branch has built 22 "labor stations", covering all outlets in the city, of which the branch business department was rated as the most beautiful labor union station in the province. Outdoor workers in need can have a rest and drink free water.
In Zhangzhou Branch of Industrial Bank, there are still many facilities and warm services like this: in 2023, the Bank will continue to carry out "President Reception Day", hold various customer friendly activities, and let high-quality wealth products "fly into the homes of ordinary people"; Build a new citizen financial service center to make inclusive living water moist for hard working dreamers in foreign countries; Build the city's first exclusive social security service experience hall, comprehensively extend the service tentacles and handling chain, and create a new model of social security services; The prevention and combating of telecom network fraud will be the focus of our daily work, and we will spare no effort to protect people's "pockets".
Recalling the past, we played the song of triumph in the eventful years; In the future, there is a long way to go. In the future, Industrial Bank Zhangzhou Branch will continue to have a "big country" in mind, strengthen its mission, actively serve the national strategy, and provide high-quality services for Zhangzhou's economic growth, development efficiency, characteristics and weaknesses with high-quality financial development, contributing to building a financial power.
