On May 31, Dongguan Rural Commercial Bank (hereinafter referred to as "Dongguan Rural Commercial Bank") released its 2021 Social Responsibility Report (Environmental, Social and Governance Report).The report shows that in 2021, Dongguan Rural Commercial Bank will continue to improve its ability and level to serve the real economy, fully implement the rural revitalization and development strategy, increase innovation in green financial products and investment in resources, and strive to be a pioneer in helping enterprises and people in relief. , give back to the society with practical actions, actively shoulder the responsibility, and strive to enhance economic value, environmental value and social value.
As of the end of 2021, the loan balance of Dongguan Rural Commercial Bank's "modern agriculture, rural areas and farmers" category reached 56.312 billion yuan, an increase of 21.02% over the beginning of the year; the green credit balance reached 7.334 billion yuan, an increase of 20.35% over the beginning of the year.
Serving Green Development with Green Finance
Dongguan Rural Commercial Bank actively responds to the national strategic call of "carbon peaking and carbon neutrality", aiming to build a modern "green bank", taking green environmental protection industry as a key supporting industry, and improving green financial services through the development of green financial business. More social resources will flow to the green field, thereby comprehensively improving the level of industrial green cycle development and promoting the rapid development of Dongguan's green economy.
In order to promote the support work related to green finance, Dongguan Rural Commercial Bank launched the "Green Finance" comprehensive financial service plan for the environmental protection industry, actively supported key environmental protection projects and environmental protection enterprises, expanded the depth and breadth of environmental protection enterprises, and effectively promoted the development of green finance.
It is reported that the "Green Finance" program includes "ecological restoration loan", "green project loan", "energy saving loan", "technical transformation (discounted interest) loan", "lease loan", "green bond", "environmental protection industry fund", etc. A number of financial products, vigorously support green, low-carbon and circular economy projects such as sewage treatment, garbage treatment, water supply and gas supply, energy saving and emission reduction, clean and greening, and strongly support Dongguan's green environmental protection cause and the construction of an ecologically civilized city.
At the same time, Dongguan Rural Commercial Bank has innovatively launched a carbon emission quota mortgage financing product according to the relevant policy documents on carbon emission quota mortgage and transaction, using carbon emission quota mortgage as a guarantee method, for the industrial enterprises included in the scope of carbon emission management and transaction, Provide green credit services for the production and operation of enterprises according to a certain proportion of the assessed value of the enterprise's carbon emission quota and related collaterals and pledges.
Dongguan Rural Commercial Bank improved and standardized the green credit business process by optimizing the green credit credit approval process, implementing the intensive transformation of the credit business process, improving the credit review efficiency, and strengthening risk control.At the same time, it provides "green channels" for green credit business, especially "through train" service channels for green project financing such as small and medium-sized environmental protection enterprises and construction of major environmental protection projects, so as to improve the efficiency of green credit.
As of the end of 2021, Dongguan Rural Commercial Bank's green credit balance reached 7.334 billion yuan, an increase of 1.24 billion yuan or 20.35% over the beginning of the year, supporting more than 60 environmental protection companies and green projects.
In addition, Dongguan Rural Commercial Bank actively implements the concept of "promoting green development, circular development, and low-carbon development", and starts to apply for green financial bond issuance projects to accurately promote the development of green credit.As of the end of December 2021, Dongguan Rural Commercial Bank has issued two tranches of green financial bonds totaling 3 billion yuan. All the funds raised have been invested in green project loans certified by third-party institutions. The green projects invested involve pollution prevention, resource conservation and recycling. utilization, clean energy, etc.At the same time, at the end of 2021, Dongguan Rural Commercial Bank held a total of 2.668 billion yuan in green bonds, a year-on-year increase of 349.16%, which strongly supports the comprehensive development of green finance.
Activating rural industries with financial living water
Dongguan Rural Commercial Bank takes supporting agriculture, small and medium-sized enterprises as its fundamental service tenet, adheres to the strategy of serving rural revitalization, continuously innovates rural revitalization financial service methods, products and services, comprehensively improves the efficiency and level of serving rural revitalization, and promotes the overall upgrading of agriculture, All-round progress in rural areas and all-round development of farmers.
As of the end of December 2021, the balance of agriculture-related loans of Dongguan Rural Commercial Bank was RMB 32.277 billion, an increase of RMB 3.447 billion over the beginning of the year, with a growth rate of 11.96%.In 2021, the bank applied for a re-loan of 52 million yuan for supporting agriculture for the first time, becoming the first financial institution in Dongguan to receive the "re-loan for supporting agriculture" structural monetary policy funds, and further expanding the coverage of supporting agriculture and small-scale services.
In addition, in order to increase support for agriculture and small businesses and improve the quality and efficiency of financial services for "Sannong", Dongguan Rural Commercial Bank successfully promoted the issuance of "Sannong" special financial bonds, and successfully issued "Sannong" special financial bonds in 2020. 2 billion yuan.As of the end of 2021, all the funds raised from bonds have been put into agriculture-related loans, which effectively guarantees the sufficient supply of funds for agriculture-related customers, alleviates the financing problems of agriculture-related customers, and accurately supports rural revitalization and development.
It is understood that Dongguan Rural Commercial Bank established the Dongguan Banking Rural Revitalization Financial Service Center, launched the "Rural Revitalization Card" with local characteristics, implemented the "133" project of rural revitalization financial services, and fully implemented the three major personnel dispatch systems, with nearly 4,000 employees Inclusive financial service personnel go deep into villages and communities, go to villages to connect households, streets to alleys, factories to stores, and deliver financial services to the "doorsteps" of enterprises and the masses, opening up the "last meter" of inclusive finance.
Dongguan Rural Commercial Bank provides financial services such as financing, settlement, fee reduction and profit transfer for small and medium-sized enterprises to improve the availability of financial services for small and micro enterprises, and cooperate with the real economy. , effectively improving the quality and efficiency of inclusive financial services.
As of the end of December 2021, Dongguan Rural Commercial Bank's full-caliber small and micro enterprise loan balance was 119.775 billion yuan, a net increase of 26.040 billion yuan or 27.78% over the beginning of the year.The balance of loans to small and micro enterprises (including loans to small and micro enterprises, loans to individual industrial and commercial households, and loans to small and micro business owners, excluding discounts) for a single household with a total credit line of less than 10 million yuan (inclusive) was 26.600 billion yuan, a growth rate of 33.88%, higher than The number of loans increased by 17.86 percentage points compared with the beginning of the year; the number of loan households was 21,346, a net increase of 2,654 for the year.In the past two years, 5 billion yuan of special financial bonds for small and micro enterprise loans have been issued, and all the funds raised from the bonds have been put into small and micro loans.
Focusing on the development of industrial finance in advanced manufacturing, Dongguan Rural Commercial Bank has launched a comprehensive industrial finance service plan to fully support the transformation and upgrading of advanced manufacturing, new-generation information industry, biomedical industry, environmental protection, education and other areas of livelihood and key industries.As of the end of December 2021, the bank's industrial financial loan balance was 116.866 billion yuan, of which the balance of loans to support manufacturing and related industries was 39.379 billion yuan, an increase of 10.412 billion yuan or 35.94% over the beginning of the year. The loan balance was 21.887 billion yuan, an increase of 7.261 billion yuan or 49.64% over the beginning of the year, accounting for 55.58%
In 2021, Dongguan Rural Commercial Bank issued a financial service plan for specialized, specialized, and new enterprises, and communicated with Dongguan specialized, specialized, and new enterprises, especially "little giants", to learn more about the company's development plan. , product demand, provide enterprises with a full range of financial products and services in settlement, credit and value-added services, promote the progress of specialized, special, and new key enterprises, and use key enterprises to drive the steady development of the industrial chain.
(Editor in charge: Han Yijia)
