Inclusive Finance, like a clear spring, has become the “source of living water” for the development of small and micro enterprises. It is an important force to stimulate the vitality of small and micro enterprises and boost the growth of small and micro enterprises, fully demonstrating the inclusive value of finance.
Bank Of Beijing Co.Ltd(601169) closely connect their own development with the growth of small and micro enterprises, take supporting inclusive financial business as their own responsibility, closely follow the national strategy, implement regulatory requirements, create a unique development path of inclusive financial business, improve the depth, breadth and temperature of inclusive financial services for small and micro enterprises, and continuously improve their service capacity to support the development of real economy Contribute to building a new development pattern.
By the end of September 2021, Bank Of Beijing Co.Ltd(601169) inclusive financial loan balance was 125.348 billion yuan, a year-on-year increase of 39.47%. Since 2018, inclusive small and micro loans have achieved an average growth rate of 30% for many consecutive years. Pratt Whitney has more than 150000 customers, an increase of 127000 over the beginning of the year, an increase of 550%.
deeply cultivate Inclusive Finance
Bank Of Beijing Co.Ltd(601169) guided by the national development strategy and focusing on the overall development of the capital, we are committed to deepening Inclusive Finance. In 2021, the small business division will be renamed Inclusive Finance Department, which will make the strategic positioning of developing Inclusive Finance Business clearer, focus on inclusive financial services, further improve the professionalism and diversity of inclusive financial services, and build a perfect financial service system for small and micro enterprises more effectively and comprehensively.
Bank Of Beijing Co.Ltd(601169) since its inception, it has established the development orientation of “serving small and medium-sized enterprises”. As early as 2007, it launched the “small giant” small and medium-sized enterprise financing service brand with the core concept of “small giant’s great achievement”, and created a “small giant” product system covering the whole enterprise life cycle of start-up, growth and maturity and more than 50 products, Be careful to accompany the growth of small and micro enterprises.
At the same time, Bank Of Beijing Co.Ltd(601169) in order to alleviate the financing difficulties and expensive problems of small and micro enterprises, combined with the capital demand characteristics of small and micro enterprises, we continued to increase the investment of first loan, renewal loan and credit loan. Settled in Beijing loan service center, actively participated in Beijing financial support “stabilizing enterprises”, “ensuring employment” and smooth financing project, carried out a series of special activities of “credit easy financing” bank enterprise docking Bank Of Beijing Co.Ltd(601169) of Beijing loan service center, visited “zero credit” enterprises, and continued to strengthen the marketing of first loan customers. Make good use of and make full use of the inclusive credit loan support plan for small and micro enterprises, and increase the credit loan investment for small and micro enterprises.
In addition, Bank Of Beijing Co.Ltd(601169) actively meets the needs of enterprise financial services. On the one hand, it actively publicizes preferential policies to qualified inclusive small and micro enterprises to ensure the implementation of various government support policies; On the other hand, we will strengthen the development and promotion of products such as renewal of loans, continue to improve the level of fine management, strictly control all links from marketing to loan issuance, and improve work efficiency.
build a digital service platform
Digital transformation is a major strategy of Bank Of Beijing Co.Ltd(601169) in recent years. Bank Of Beijing Co.Ltd(601169) continue to strengthen the digital and scientific characteristics of inclusive financial business, develop and promote new inclusive financial products, and build a perfect financial service system for small and micro enterprises more effectively and comprehensively.
Digital technology such as Internet plus and big data has brought new support to the “universal” change. “Big data” has widened the space of “Hui” with its advantages of high efficiency and low cost. Bank Of Beijing Co.Ltd(601169) driven by technological innovation, we have made comprehensive use of mobile Internet, big data, artificial intelligence and other technologies to realize the achievement of science and technology enabled Inclusive Finance.
It is reported that Bank Of Beijing Co.Ltd(601169) fully grasp the characteristics of Pratt & Whitney’s small-scale single business, large number of business transactions and fast financing frequency, strengthen scientific and technological empowerment, reduce cost and increase efficiency through batch operation, and provide enterprises with lower price and higher quality financing services.
On September 28, 2021, in order to further upgrade inclusive financial services and comprehensively improve service quality and efficiency, Bank Of Beijing Co.Ltd(601169) launched a new exclusive inclusive financial app ” Bank Of Beijing Co.Ltd(601169) Beijing housekeeper”, and simultaneously launched the whole process online product “inclusive quick loan”, opening a new era of inclusive housekeeper services.
In addition, Bank Of Beijing Co.Ltd(601169) starts from the source of Pratt & Whitney services to build a Pratt & Whitney customer extension platform. Using the Internet, big data, artificial intelligence, biometrics and other technology applications to enable Inclusive Finance with “digital, platform and ecology”; Establish a public online loan platform as an exclusive operation platform to support the development of Pratt & Whitney business. The platform uses big data risk control to create a service mode and middle office system of “offline + online, artificial + intelligence, tradition + innovation”; Deeply cultivate Inclusive Finance, continuously explore the road of promoting digital transformation, and develop and build China’s first online banking system.
build professional products and teams
Operating enterprises, such as sailing in the sea, will face various uncertainties. In particular, small and medium-sized enterprises have weak anti risk ability, but the inclusive financial services of Bank Of Beijing Co.Ltd(601169) often play a role in helping and accompanying enterprises through difficulties.
Since the outbreak in 2020, the situation and challenges faced by the development of Inclusive Finance have become more complex. Bank Of Beijing Co.Ltd(601169) relying on the professional inclusive financial service team, focus on supporting wholesale and retail, accommodation and catering, logistics and transportation, cultural tourism and other industries greatly affected by the epidemic, as well as promising but temporarily troubled enterprises to tide over the difficulties with enterprises.
Professional, accurate and sinking to customers, Bank Of Beijing Co.Ltd(601169) in order to improve the professionalism of services, closely follow the economic development trends of small and micro enterprises, strengthen the front, middle and rear intensive management of small and micro businesses, adhere to the principle of simplicity and speed, optimize the approval process, improve the service efficiency of Inclusive Finance, ensure the normal operation of enterprises during the epidemic, and promote the process of small and micro enterprises returning to work and production.
At the same time, in order to actively respond to the impact of covid-19 epidemic and help small and micro enterprises tide over the difficulties of the epidemic, Bank Of Beijing Co.Ltd(601169) considering the practical difficulties of small and micro enterprises, we innovated and launched the exclusive credit product “Jingcheng loan” for small and micro enterprises, and worked hand in hand with the small and micro enterprises affected by the epidemic to overcome the difficulties.
On February 3, 2020, the first “Beijing credit” loan was completed on the first day of the end of the Spring Festival holiday to fully solve the urgent needs of small and micro enterprises.
“Qiqi restaurant” was once popular on the Internet and popular in Beijing with the positioning of “homely and unusual, authentic Beijing flavor”. However, under the impact of the epidemic, all 23 Qiqi Tang food stores were suspended from business, the income almost returned to zero, and the loss of tens of millions of yuan per month. In the most difficult times, Bank Of Beijing Co.Ltd(601169) helped to alleviate the urgent need of local cash flow shortage. Bank Of Beijing Co.Ltd(601169) using the “Jingcheng loan” product, it provided the bureau with 26 million yuan of non principal repayment renewal loan, and the loan interest rate was reduced by 1 percentage point, saving financing costs for enterprises and helping the Bureau get out of trouble smoothly.
Beijing yongjiasheng Trading Co., Ltd. is a long-term centralized purchasing supplier serving major star hotels, which has great influence in the industry. In 2020, the epidemic has seriously affected the company’s capital chain, and the enterprise operation once fell into a survival dilemma.
At this critical juncture, yongjiasheng has won a new target. It is urgent to make up the capital gap and maintain the operation of the company. After learning about the difficulties and needs of yongjiasheng, Bank Of Beijing Co.Ltd(601169) configured a set of portfolio loans for yongjiasheng, which not only relieved the urgent need of the company, but also saved the loan cost for the enterprise, which is called “Survival Fund” by the enterprise.
By the end of September 2021, Bank Of Beijing Co.Ltd(601169) had handled 8255 “Jingcheng loan” businesses through non repayment of principal, renewal of loans, extension and adjustment of repayment, and provided credit funds for small and micro enterprises of 62.46 billion yuan, highlighting its responsibility and responsibility as a financial enterprise in the capital.
In addition, in order to promote the characteristic development of Inclusive Finance, Bank Of Beijing Co.Ltd(601169) set up 59 small and micro characteristic sub branches, including 26 science and technology sub branches and 22 cultural sub branches, and made every effort to create a franchise model. On the basis of “keeping the original intention, adhering to the sincerity and using ingenuity”, it continued to improve the specialization level of inclusive financial service team and improve the coverage of inclusive financial services.
strengthen the two “characteristic brands”
As a financial institution rooted in the capital, Bank Of Beijing Co.Ltd(601169) has fully relied on the location advantages of the capital Beijing as an international scientific and technological innovation center and cultural center, actively promoted the close combination of financial resources with the capital’s rich scientific, technological and cultural resources, built a competitive advantage with characteristic services, and created two bright business cards of scientific and technological finance and cultural finance in the industry.
In terms of science, technology and finance, Bank Of Beijing Co.Ltd(601169) closely follows the pace of the reform and development of the new third board market, tries first and actively participates in various pilot work.
By the end of September 2021, Bank Of Beijing Co.Ltd(601169) the balance of technology finance of the whole bank was 165.35 billion yuan; A total of 700 billion yuan of credit funds have been provided to 30000 science and technology-based small, medium and micro enterprises to transform scientific and technological achievements with financial running water irrigation and boost industrial upgrading.
Especially after the establishment of the Beijing stock exchange, Bank Of Beijing Co.Ltd(601169) responded immediately. Among the first batch of listed enterprises of the Beijing stock exchange, Bank Of Beijing Co.Ltd(601169) served 18% of national enterprise customers and 73% of enterprise customers in Beijing.
On December 10, 2021, Bank Of Beijing Co.Ltd(601169) signed a tripartite strategic agreement with the national stock transfer company and the Beijing stock exchange. The three parties will make full use of their respective resources and professional advantages, establish bilateral and multilateral exchange mechanisms, and conduct in-depth and extensive cooperation in comprehensive financial services, listing and listing cultivation, enterprise credit financing, product investment, innovation research, etc.
It is understood that in the future, Bank Of Beijing Co.Ltd(601169) will seize the strategic opportunity of establishing the Beijing stock exchange, support the innovative development of small and medium-sized enterprises, help cultivate high-quality listed companies, and build a “Bank of Beijing model” serving the construction of Beijing International Science and technology innovation center and the high-quality development of Beijing’s real economy with upgraded science and technology financial supply.
In addition, in terms of cultural finance, Bank Of Beijing Co.Ltd(601169) established a cultural finance leading group, a cross business line working group, a cultural and creative finance headquarters and the first cultural maker center.
In 2020, Bank Of Beijing Co.Ltd(601169) will add a cultural and financial center, build a comprehensive service platform for market research, policy formulation, marketing expansion and risk management, study and formulate a characteristic assessment system for cultural and financial, and encourage the innovation and development of cultural finance. We will actively support the development of cultural and creative industries and explore a unique path of cultural and financial services through product innovation, model optimization and mechanism reform.
In addition, Bank Of Beijing Co.Ltd(601169) continued to strengthen the innovation of cultural and financial products, launched cultural and financial characteristic products such as “cultural and creative inclusive loan” and “cultural IP link”, and launched the exclusive financial service scheme of “Jingcai Wenyuan” Cultural Industrial Park and the exclusive product of “Wenyuan loan”.
On April 26, 2021, Bank Of Beijing Co.Ltd(601169) signed the strategic cooperation agreement on supporting the construction of Beijing Copyright asset management and financial service center with the Publicity Department of Beijing Municipal Party committee, Xicheng District People’s government and China Copyright Protection Center to jointly build Beijing Copyright asset management and financial service center and innovate the financial service mechanism with copyright assets as the core, Fully promote the construction of the country’s first exclusive branch of copyright finance, and help the healthy development of cultural enterprises. It has supported many excellent film and television works such as Changjin lake, jingangchuan, winning the championship, giving you a little red flower and Hello, Li Huanying. It has always stood in the front line of serving the innovation and development of the cultural industry, and has provided more than 360 billion yuan to nearly 9700 cultural and creative enterprises. By the end of September 2021, the balance of cultural and financial loans had reached 72.3 billion yuan.
In the face of the new situation and new requirements, Bank Of Beijing Co.Ltd(601169) the relevant person in charge said that he would always bear in mind his mission, take supporting small and micro enterprises as his own responsibility, continuously optimize the inclusive financial supply with high-quality and efficient advanced technology, continuously deepen the financial services of small and micro enterprises with dedicated and dedicated craftsman spirit, and grow together with small and micro enterprises while fully serving the high-quality development of the real economy.
