Recently, Bank Of Beijing Co.Ltd(601169) released the annual report of 2021 and the first quarterly report of 2022. In the past year, Bank Of Beijing Co.Ltd(601169) insisted on leading the five major transformations of “development mode, business structure, customer structure, operation ability and management mode” with digital transformation, actively improved the ability to serve the real economy, and realized the balanced, steady and high-quality development of scale, efficiency, quality and brand. According to the data, by the end of 2021, Bank Of Beijing Co.Ltd(601169) total assets had reached 3.06 trillion yuan, becoming the first urban commercial bank with total assets exceeding 3 trillion yuan, with operating revenue of 66.275 billion yuan and net profit attributable to its parent of 22.226 billion yuan. It was included in China’s systemically important banks by the people’s Bank of China and the China Banking and Insurance Regulatory Commission, and its performance and brand have been improved.
In the first quarter of 2022, Bank Of Beijing Co.Ltd(601169) continued its good development momentum, with total assets of 3.14 trillion yuan and net profit attributable to parent company of 7.353 billion yuan, with a year-on-year increase of 6.6% and further improved profitability.
Only when finance is inclusive can the foundation be evergreen. Under the background that the current economy is facing the “triple pressure” of shrinking demand, supply shock and weakening expectation, how to better rescue and solve the difficulties for the majority of “agriculture, rural areas and farmers”, urban and rural residents and small and medium-sized enterprises has become a necessary test for banks. As an urban commercial firm rooted in Beijing, Bank Of Beijing Co.Ltd(601169) for many years, it has always adhered to its original intention, deeply cultivated Inclusive Finance, supported the growth of small and micro enterprises, improved the “people-oriented” and “inclusive” nature of financial services, and provided capital “reserve grain” for enterprises. According to the data of the annual report, by the end of 2021, Bank Of Beijing Co.Ltd(601169) inclusive financial loan balance exceeded 126 billion yuan, with a year-on-year increase of 35.7%, and the incremental growth rate reached a new high in recent three years.
franchise positioning helps enterprises drive into the “fast lane”
Because Inclusive Finance has the characteristics of small amount and dispersion, it is doomed that banks need to adopt a set of operation and management mode different from the traditional corporate business in order to promote the sustainable development of Inclusive Finance business. In 2021, Bank Of Beijing Co.Ltd(601169) is more firmly on the road of doing a good job in the positioning of franchise and helping enterprises to bail out, and new advantages are gradually emerging.
At the level of the head office and branches, Bank Of Beijing Co.Ltd(601169) set up the Inclusive Finance Department to take the inclusive finance business as an important part of transformation and upgrading, implement separate institutions, separate plans, separate management and single evaluation, continuously improve the ecological chain of inclusive financial services, and increase the credit supply of large, small and micro enterprises.
Combined with the cycle characteristics and needs of the development and growth of small and micro enterprises, Bank Of Beijing Co.Ltd(601169) for start-up enterprises, match standardized credit products such as microcredit, inclusive loan and short loan treasure, and reduce the financing threshold of start-up enterprises. For growing enterprises, special products such as intellectual property pledge “intellectual property loan” and credit loan “rongxinbao” are launched to improve credit flexibility. Customized syndicated M & A, bond underwriting, asset securitization and other comprehensive products for mature enterprises to form a “little giant” product system covering the whole development cycle of enterprises in the start-up period, growth period and mature period and more than 50 products.
The epidemic is a big test for all walks of life, and the “community of destiny” relationship between banks and enterprises is more stable. In 2021, Bank Of Beijing Co.Ltd(601169) will organically combine the market positioning of serving small and medium-sized enterprises with government support policies, and give preferential policies to industries and enterprises seriously affected by the epidemic, such as transportation, wholesale and retail, culture and entertainment, accommodation and catering. The first loan supports more than 5100 small and micro enterprises, with a cumulative amount of more than 52 billion yuan; By the end of 2021, more than 4700 cases of delayed repayment of principal and interest of small and micro enterprises with an amount of more than 27 billion yuan had been handled.
After years of efforts, Bank Of Beijing Co.Ltd(601169) inclusive financial product system has continuously extended its service connotation, playing an important exemplary role not only in supporting the development of small, medium-sized and micro enterprises, but also in practicing social responsibility.
featured drive to improve the quality and efficiency of inclusive financial development
For Bank Of Beijing Co.Ltd(601169) speaking, making every effort to build a differentiated, characteristic and refined inclusive finance brand is the inevitable direction to realize the high-quality development of Inclusive Finance, and it is also the inevitable choice for regional banks to carry out misplaced competition with large banks in combination with their own advantages.
Relying on the regional advantages of Beijing as an international scientific and technological innovation center, Bank Of Beijing Co.Ltd(601169) actively create the characteristics of scientific and technological innovation financial services. In the process of promoting the scientific and innovative financial business, seize the opportunity of the establishment of the Beijing stock exchange, sign a tripartite strategic cooperation agreement with the Beijing stock exchange and the national stock transfer company, focus on “specialized and special new” enterprises, innovate characteristic products and services, launch the exclusive credit product “specialized and special new pilot loan”, formulate the exclusive financial service scheme for specialized, special and new, new third board listing and enterprises listed on the Beijing stock exchange, and cooperate with the business management department of the people’s Bank of China The Municipal Bureau of economy and information technology jointly created a “high-precision and cutting-edge double benefit loan”. At present, Bank Of Beijing Co.Ltd(601169) serves 77% of the gem, 67% of the sci-tech innovation board, 75% of the enterprises listed on the Beijing stock exchange, 70% of the innovative enterprises on the new third board and more than 50% of the “specialized and special new” enterprises in Beijing. According to the latest data, by the end of the first quarter of 2022, Bank Of Beijing Co.Ltd(601169) Kechuang’s financial loan balance exceeded 180 billion yuan and the number of households exceeded 7800.
As the “vanguard” of cultural finance with the earliest products and the most complete supporting projects in China, Bank Of Beijing Co.Ltd(601169) has always maintained the leading share in the capital’s cultural finance market, focused on the industrial characteristics, industrial characteristics and enterprise characteristics of the cultural industry, launched the “creative loan” and “canal sail shadow” financial product system, and issued the “cultural talent loan” for industry leaders, The “tailor-made Cultural Park” for Beijing enterprises in the park. By the end of the first quarter of 2022, the balance of Bank Of Beijing Co.Ltd(601169) cultural and financial loans had exceeded 70 billion yuan and the number of households had exceeded 3400.
financial technology solves the financing problems of enterprises
Under the epidemic, the advantages of “non-contact” service technology are prominent, which significantly catalyzes the development trend of bank digitization. After exploration and running in, Bob has formed a clear digital transformation strategy and firm strategic implementation plan. The organic integration of financial technology and business development is getting better and better, and the beautiful blueprint of “digital Bob” is accelerating to become a reality.
Bank Of Beijing Co.Ltd(601169) build the whole process platform system of Pratt & Whitney online, launch the exclusive app of Pratt & Whitney finance, build a Pratt & Whitney customer extension platform, and realize batch channel docking, big data screening and list customer push.
Before the loan, customers can apply online through the exclusive app of Inclusive Finance, BOC corporate banking, wechat applet and other channels. In the process of loan, the corresponding products are screened and matched through big data, and the business operations such as model approval and online withdrawal are realized by relying on the bank’s public network loan platform. Through the whole process of online operation, provide customers with 7 × 24-hour warm-hearted service, comprehensively optimize the customer experience and vigorously improve the handling efficiency of Pratt & Whitney business.
In particular, on April 26, Bank Of Beijing Co.Ltd(601169) actively explored the use of intellectual property big data to innovate the evaluation standards of science and technology enterprises, and launched the industry’s first online credit loan product – “science and enterprise loan”, which uses intellectual property big data for automatic examination and approval, for Science and innovation enterprises with independent intellectual property rights, marking an important step in the online process of Bank Of Beijing Co.Ltd(601169) science and innovation finance and upgrading the financial services of science and innovation enterprises, It is of great significance to implement the national innovation driven development strategy.
So far, the bank has provided credit to 185 science and innovation enterprises through the “science and enterprise loan” product, with a total of more than 400 million yuan.
Inclusive Finance is a long-term and complex systematic project. In the process of upgrading inclusive financial services, Bank Of Beijing Co.Ltd(601169) deepen cooperation with regulatory authorities, quote all kinds of data, design and launch inclusive standard “scorecard” business model, realize standardized loan review, greatly shorten the review and approval time and improve business processing efficiency. By the end of the first quarter of 2022, Bank Of Beijing Co.Ltd(601169) corporate “bank tax loan” had achieved direct bank tax connection in all exhibition areas of the bank, providing credit support for more than 3000 small and micro enterprises totaling more than 5.8 billion yuan.
At the same time, Bank Of Beijing Co.Ltd(601169) continued to deepen the cooperation with policy banks on “refinancing”, created the “preferential refinancing” refinancing brand, closely combined the capital cost advantages of policy banks with Bank Of Beijing Co.Ltd(601169) channel service advantages, carried out refinancing business of more than 30 billion yuan and served more than 8000 small and Micro customers.
In the next stage, Bank Of Beijing Co.Ltd(601169) will continue to resolutely implement the policy requirements of the CPC Central Committee, the State Council, the municipal Party committee and the municipal government and regulatory authorities at all levels on strengthening financial services for small and medium-sized micro enterprises, improve the institutional mechanism of “daring to lend and willing to lend”, improve the professional ability of “being able to lend and meeting to lend”, strengthen the differential mode of “characteristic finance”, and continuously strengthen the inclusive small and micro financial services with the spirit of dedicated craftsman, Continue to optimize inclusive financial supply with high-quality and efficient financial services and grow together with small and micro enterprises!
