Guangzhou Branch of Zheshang Bank practices financial goodness, Qingqi Financial Advisor, actively builds a new model of scenario-based inclusive financial services, provides all-round and digital intelligent inclusive financial services for the majority of enterprises, and continues to inject financial vitality into the real economy.
Innovating financial inclusion
Build a new scenario-based service model
The innovative development of scenario-based transformation has begun to bear fruit, and the organizational structure, staffing, and assessment system of integrated operation have been completed, and 134 scenario-based projects for small enterprises have been reserved. We will strive to promote the comprehensive financial services of the "1+5+1+N" full life cycle financial consulting industrial park, use the advantages of digital reform, continue to innovate and iterate on N, focus on helping enterprises in the park solve pain points and difficulties, and provide supporting services such as investment and loan linkage, equipment procurement, and credit cards, so as to continuously improve the quality and efficiency of differentiated services. As of the end of November 2023, the Guangzhou Branch of Zheshang Bank has served more than 1,900 small and micro enterprise customers in the park, invested about 17 billion yuan in standard factory loans, and the balance of loans is about 12.8 billion yuan, maintaining a leading position in the local industry in Guangdong in terms of scale and increment.
Innovative service system
Fully support "self-reliance and self-improvement in science and technology".
In order to further stimulate the vitality of science and technology enterprises, the bank took the initiative to explore and provide comprehensive financial services of "full product, full chain, full scenario and full cycle" for science and technology enterprises. The first is to build a full product matrix. For science and technology enterprises in specific scenarios, regions and financing models, a series of special products such as "specialized, special and new loans", "talent banks", "stock subscription options" and "science and technology co-financing loans" are used to provide reasonable credit support to science and technology enterprises. The second is to connect the whole industrial chain. For science and technology enterprises with obvious industrial chain and first-chain effect, we provide first-chain financial products such as digital credit certificates, bills, letters of guarantee, and letters of credit. The third is to cover all application scenarios. Focusing on real production and operation activities, it meets the capital needs of science and technology enterprises in multi-dimensional scenarios such as R&D investment, daily capital turnover, order production, equipment purchase and update, and project financing. The fourth is to empower the whole life cycle. Tailor-made comprehensive financial services such as investment banking, cash management, financial advisory, and cross-border finance, and provide precise services for science and technology enterprises at different stages of development.
As of the end of November 2023, it has accompanied the growth of 637 science and technology enterprises, providing financing balances of more than 10 billion yuan. The science and technology innovation financial service has been widely recognized and won the "Top 10 Science and Technology Innovation Finance Institutions" award in Guangzhou's financial industry.
Deepening financial services
Alleviate the financing problems of small and micro enterprises
While the bank continues to "speed up" its services, it also continues to innovate in combination with the operating characteristics of small and micro enterprises in the region. Adhering to the "near, small, and good" business development positioning, we will focus on expanding loans to individual industrial and commercial households and small business owners that meet the national policy guidance and green credit requirements, and continue to improve the accuracy of financial services for small and micro enterprises. We will vigorously promote online loan businesses such as easy loans for housing credits and smart loans, comprehensively promote e-applications for small enterprises and mobile business development platforms for Rongchatong, encourage the development of cluster projects based on the first chain and service chain, and continue to use financial technology to improve the service effectiveness of small and micro enterprises. At the same time, the simplified process of credit renewal was introduced, and the approval process for credit renewal was reduced through automatic system docking, further reducing the financing cost of small and micro enterprises.