In the 17 years since its establishment in Yunnan, Industrial Bank Kunming Branch has always adhered to the leadership of party building, never forgotten its original aspiration, kept its mission in mind, and resonated with the economic and social development of Yunling land at the same frequency. The accumulated investment and financing amount in various fields exceeded 600 billion yuan. Especially in recent years, it has actively integrated into the new stage, new concept and new pattern, continued to make efforts in investment banking, green economy, inclusive finance, rural revitalization and other fields, and contributed to the high-quality development of Yunnan.
The new model for providing pictures stimulates new vitality, and the party building leads the word "Rong" in the first place
Party building work and business development are like "two wheels of a car", relying on and promoting each other, and neither is indispensable. During the 17 years of trials and hardships in Yunnan, Industrial Bank Kunming Branch has always adhered to the principle of "Party building as the first", taking Party building as the core of all work, turning Party building advantages into development advantages, and Party building resources into development resources. To manage the party and govern the bank, integrate the party building work into the business and the grassroots, and inject a strong "red force" in order to serve the new development pattern and achieve the goal of returning to the mainstream banking market.
How to integrate party building into business work? Over the years, the branch's exploration experience has proved that the key is to take party building as the guide, put "political accounts" in the most important position, closely follow the actual situation of the financial industry to support the development of the real economy, and creatively implement the local resource endowment of Yunnan Province. Implement the decisions and arrangements of the Yunnan Provincial Party Committee and the Head Office Party Committee. In recent years, the branch has always adhered to the basic principle of serving the real economy, firmly adhered to the bottom line of preventing systemic risks, actively integrated into major national strategic deployments such as the “Belt and Road Initiative” and Yunnan Pilot Free Trade Zone, and focused on the foundation of Yunnan Province’s “Five Networks” Major projects such as facility construction, "Four Hundreds", eight major industries, park economy, and new-type urbanization development, through the combination of "financing + intelligence" and "investment + loan" linkage, form a "commercial bank + investment bank" synergy, and continue to expand Credit scale and comprehensive financing range.
The power of the party comes from the organization, and it is essential to integrate party building into the grassroots. It is the key to sink the party building work to the grassroots and transmit it to the end. Persevering in the construction of grassroots party organizations and party members is the foundation. In order to ensure the integration of party building into the grassroots, the branch fully implements the main responsibility of the party building work. Strictly standardize organizational changes, party member information, etc., to promote the healthy development of grass-roots party organizations; on the other hand, establish a working mechanism for party committees to link up with grass-roots party branches to provide grass-roots party branches with solutions in terms of party building, business development, and ability improvement. , through the leadership of the above and the promotion of the lower, to enhance the ability of organization and mobilization, overall planning and coordination, and implementation, and give full play to the role of the grass-roots party branch as a fighting fortress.
Entering a new stage of development, implementing new development concepts and serving the development of new patterns, Industrial Bank Kunming Branch will always adhere to the leadership of party building, open up new development ideas and space, and continue to consolidate the good results of both party building work and business development.
Photo courtesy of "commercial bank + investment bank" to actively expand financing channels
For the local economy, increasing the proportion of direct financing is of great significance to promoting industrial upgrading. On June 10, the 1 billion “Yunnan First Science and Technology Innovation Bill” exclusively undertaken by Industrial Bank Kunming Branch was successfully issued, which was highly recognized by market investors and improved the overall image of Yunnan’s science and technology enterprises; February 2020 In January, during the most tense stage of the country's fight against the new crown epidemic, Industrial Bank Kunming Branch was the sole lead underwriter for Yuntou Group to issue the province's first epidemic prevention and control bond of 1 billion yuan, helping enterprises to supplement the working capital needed to fight the new crown, and supporting the whole country. Provincial epidemic prevention and control work; in 2021, Industrial Bank Kunming Branch will lead the underwriting of Yunnan’s first green debt financing plan specifically for Dianchi Lake treatment, with a listing amount of 200 million yuan, and the raised funds will be used for Dianchi Lake treatment and Kunming urban sewage treatment.
The implementation of the "first order of business" is just a microcosm of Industrial Bank Kunming Branch's continuous efforts to provide a driving force for financial innovation for enterprises in Yunnan Province. In recent years, Kunming Branch of Industrial Bank has always insisted on building a strong “investment bank” business card, making the investment banking department the core department of the branch, and focusing on “using investment banking tools to serve the local economy” as its core work. Improve asset organization, mining, sales and matching capabilities, so as to provide all-round and full-cycle asset allocation services for various types of customers in the province, and achieve remarkable results. As of the end of May 2022, Industrial Bank Kunming Branch's investment bank managed nearly 52 billion yuan in various assets, and the outstanding balance of bond investment exceeded 14 billion yuan. In 2022, 8 debt financing instruments of non-financial enterprises will be underwritten, with an amount of 7.35 billion yuan.
Photo courtesy of "green content" to test "gold content" to help Yunnan's green development
"Strive to become the vanguard of ecological civilization construction" is one of the "three positionings" of Yunnan Province, and Industrial Bank, as the first equatorial bank in China, is one of the first commercial banks to explore green finance. It can be said that green development and green finance "met by chance" and "just hit it off" in the land of Yunling. Industrial Bank is standing in the era of green finance to help Yunnan local high-quality development.
On May 30, the latest news came from the construction of Baihetan Hydropower Station. Half of the 16 hydroelectric generating units have been put into operation. Baihetan Hydropower Station is a major project in my country to implement "West-to-East Power Transmission" and build clean, low-carbon, safe and efficient energy. It is also a typical case of Industrial Bank Kunming Branch's "green finance" assisting "green energy". In 2021, our bank underwritten and issued a 1.2 billion yuan equity-funded green middle ticket for Yunnan Energy Investment Group, and all the funds raised will be used for the Baihetan Hydropower Station project. This bond is the first "green + equity contribution" double-standard medium-term note in Yunnan Province, creating a "Yunnan model" for bonds to support the construction of major national projects and promote green development.
The treatment of plateau lakes is also one of the key businesses supported by the green finance of Industrial Bank Kunming Branch. The Niulanjiang Hongshiyan Barrier Lake Remediation Project is the largest single project that has been researched and decided by the Central Committee of the Communist Party of China, the State Council, the Yunnan Provincial Party Committee and the Provincial Government to be included in the overall plan for post-earthquake restoration and reconstruction in Ludian with a magnitude of 6.5. Grid-connected, the overall project has entered a critical period, our bank actively intervened, approved 1.7 billion yuan of credit for Yunnan Water Investment, the main operator of the project, and quickly organized the investment of 1.1 billion yuan to help local governments "remove harm and increase profits, and turn waste into Treasure", making positive contributions to the construction of the major project of "running water and rejuvenating Yunnan" in Yunnan.
The green financial business of Industrial Bank Kunming Branch has also extended to the field of green travel, providing a full range of "financing + intelligence" service support for the construction of Kunming Metro Line 4 and the replacement of new energy taxis in Kunming. "The cumulative investment credit fund is nearly 3 billion yuan.
In the 17 years since it entered Yunnan, Industrial Bank Kunming Branch has invested and raised a total of 90 billion yuan in green ecology, environmental governance, pollution reduction and carbon reduction. into gold" to help Yunnan's green development.
Deeply cultivate inclusive finance and inject financial vitality into small, medium and micro enterprises in Yunling
The number of small, medium and micro enterprises in Yunnan Province is large and their contribution is large, but financing is difficult and expensive, which often becomes a bottleneck restricting their development. In recent years, Industrial Bank has actively innovated products and created multiple financing product lines to meet the financing needs of small, medium and micro enterprises from different scenarios and perspectives.
In January of this year, the Yunnan Provincial Government released the list of provincial-level "Golden Seed" enterprises in 2021, and Yunnan Kaiweite New Materials Co., Ltd. is among them. From a small local enterprise to becoming a provincial "golden seed", its development and growth is inseparable from the strong support of Industrial Bank Kunming Branch of Inclusive Finance.
Yunnan Kaiweite is a scientific and technological innovation enterprise focusing on the research and development and production of new materials. The two founders are also the patent inventors of domestic alkali-free concrete accelerators. However, due to the problems left over by the history of the land in the industrial park, the company has not yet obtained the land use right certificate, resulting in the lack of guarantee measures. In October 2021, after learning about this situation, our bank actively followed up, discussed repeatedly, and finally, in the form of counter-guarantee, successfully granted 5 million yuan of credit to the company, and solved the problem of insufficient development funds in a timely manner.
There are many other examples like Yunnan Kaiweit. Relying on the online platform of “Xingye Pratt & Whitney”, our bank provides “tailor-made” and “precise services” for small and micro enterprises in the process of business development. For small and micro enterprises that pay tax standards, our bank relies on "Quick Easy Loan" to solve the problem of corporate funds with tax quotas and rapid approval. Since its launch in July 2021, the balance has exceeded 170 million yuan; The problem of "pay first and then loan", our bank launched the product "Lian Lian Loan" without principal repayment. Through the seamless connection between loan and repayment, it eliminates the difficulty of raising funds for repayment of enterprises, and solves the problem of capital and financing. Due to the problem of term mismatch, the current balance exceeds 270 million yuan; for small and micro enterprises that have introduced equity investment institutions, our bank has launched the "investment-linked loan", which provides short-term loans by flexibly applying credit, equity pledge, guarantee, mortgage and other guarantee methods. Financing to help enterprises grow rapidly; for mid-growth enterprises, our bank focuses on the needs of enterprises to purchase or self-build industrial plants, and provides "industrial plant loans" to solve various difficulties faced by customers at various stages.
It is particularly worth mentioning that in recent years, our bank has made great efforts to innovate and inject "technological power" into the inclusive finance business. In February this year, the "mysterious weapon" specially aimed at the financing of scientific and technological enterprises - the exclusive evaluation system of "technology flow" was officially launched. Relying on big data analysis, the system can quickly and accurately identify truly valuable high-tech enterprises, and integrate scientific and technological innovation. The technological "soft power" of enterprises has become the "hard currency" of financing, which promotes the credit of scientific and technological innovation in the financial field, solves the financing problem of scientific and technological enterprises lacking mortgage guarantees, and further expands the financing channels of small and medium-sized technology-based enterprises.
Photo courtesy of Innovating diversified products and using financial power to "loan" rural revitalization
Malong District, Qujing City, Yunnan Province is one of the well-known breeding areas in Yunnan Province. In recent years, in order to promote the rural revitalization strategy, Malong District has made great efforts to explore a modern cattle industry development path with a solid foundation, scientific and technological support, perfect mechanism, and wide-ranging drive by adapting measures to local conditions, digging out potentials, and highlighting "one county, one industry".
Although the scale of industrial development is not small, industrial development needs to further expand production scale, increase calves, store forage, and improve the environment of breeding pastures. The problem of financing difficulties is imminent, and farmers generally have less credit data, less fixed assets, and third-party guarantees According to the traditional bank loan model, it is difficult to obtain credit support. After learning about this situation, our bank formulated an implementation plan and business policy for serving the high-quality development of rural revitalization, focusing on the business strategy of "big enterprises, large industries, large production areas, and big data", and prioritized the allocation of financial resources to rural revitalization. In key areas and weak links, the allocation of credit scale, preferential interest rate policies, etc., will give preference to operating loans to farmers, so as to provide a solid guarantee for serving rural revitalization.
Malong District, Qujing City is just one of the many cases in which our bank supports rural revitalization finance. Industrial Bank Kunming Branch continues on the road of rural revitalization, focusing on rural revitalization and inclusive finance, actively using diversified financial products and providing diversified "financing" The "intelligence" service contributes to supporting the real economy of Yunnan Province, assisting the national rural revitalization strategy, and serving the development of "agriculture, rural areas and farmers".
In addition to the aquaculture industry mentioned above, the branch closely follows the national strategic orientation, combines the characteristics of local industries in Yunnan, focuses on the edible wild mushroom industry with plateau characteristics, continuously improves comprehensive service capabilities, and actively provides credit support to consolidate and expand the achievements of poverty alleviation and help Yunnan Rural revitalization plays a financial role.
Most of the enterprises in the wild mushroom industry chain are individual industrial and commercial households and small and micro enterprises. Supporting the development of the wild mushroom industry is not only an important measure to support inclusive finance, but also a specific practice of finance to help rural revitalization. Since the beginning of this year, Industrial Bank Kunming Branch has established a rural revitalization leading group and an inclusive finance business promotion group to explore innovative models of financial support for inclusive finance and rural revitalization by introducing guarantee companies and creating featured products. Up to now, nearly 12 million yuan of financing has been provided in the wild mushroom industry.
In Yunnan's characteristic flower industry, our bank signed a strategic cooperation agreement with Kunming International Flower Auction Center, and launched the "Xinghua Loan" product on the whole line to help "Yunhua" go out of Yunnan to the world. "Xinghua Loan" will directly provide credit to the main body of the "Yunhua" industry chain based on the auction transaction data of the flower auction center supplier members, ensure that the loan funds are accurately drip irrigation flower farmers, flower enterprises, and cooperatives, and help flower growers to expand the scale of planting, Improve production facilities. In the next stage, this model will be further replicated and promoted, focusing on Yunnan plateau characteristic agriculture such as yunniu, yunka and other industries, grasping the upstream and downstream industry chains of leading enterprises, relying on big data analysis to increase credit support for the industry chain, and driving the main body of the entire industry chain. All-round realization of rural revitalization.
At the beginning of 2017, he did not change his mind and contributed to the high-quality development of Yunnan.
In the past 17 years since entering Yunnan, in addition to green economy, inclusive finance, rural revitalization and other fields, our bank has also focused on transportation, water conservancy and water affairs, housing security and other fields to provide financial assistance for the economic and social development of Yunnan. Major projects such as the "Middle Yunnan Water Diversion" project, the urban infrastructure construction project in the Wujiaba area, the Yu-Chu Expressway construction project and the expansion project of the Chu-Da Expressway have all left the footprint of our bank's struggle.
In 17 years of trials and hardships, 17 years of hard work, Industrial Bank Kunming Branch will adhere to the leadership of party building in the future, adhering to the original intention and mission of "exploring ways for financial reform and making more contributions to economic construction", closely surrounding the economic and social development plan of Yunnan Province, focusing on Key projects, industrial upgrading, green economy, digital Yunnan, park finance, inclusive finance, rural revitalization and other fields, implement the details of the "Financial Promotion of Yunnan High-quality Development Cooperation Agreement", and provide for Yunnan to build a high-quality modern economic system. strong financial support.
