Jinkui Xiangyang Spectrum Huazhang Value Pilot Watching Tianjin “Tricks”?? China Merchants Bank Tianjin Branch Serving Tianjin 23rd Anniversary Side Notes
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For 23 years, we have stood together through thick and thin and forged ahead.
23 years old, in the prime of life, working hard.
As the first joint-stock bank to settle in Tianjin, China Merchants Bank Tianjin Branch has been actively involved in urban development since its establishment on June 6, 2000. With the strong support of governments at all levels, regulatory agencies, partners and customers, the business philosophy of “changing” takes root in the land of Jingu, resonates with the times, lives and prospers with the city, wins with customers, and wins with customers. Employees share and advance together, writing the “China Merchants Bank’s Responsibility” for Tianjin’s economic construction, and providing high-quality financial services for social development.
Based in Tianjin to help the sustainable development of regional economy
China Merchants Bank Tianjin Branch has always taken serving the new development pattern of Tianjin as its own responsibility, actively participating in the overall situation of the city’s economic struggle and promoting development, focusing on the “Ten Actions”, taking practical measures to continuously improve its financial service capabilities, and contributing to the sustainable development of Tianjin’s economy. Sustained development and empowerment.
Moisten the real economy with “financial water”. To serve the “manufacturing market”, take the manufacturing industry as the key support direction of credit resources, and provide pricing subsidies for high-quality manufacturing enterprises according to the actual situation, so as to effectively reduce the financing costs of manufacturing enterprises; by optimizing the granularity of manufacturing credit policies, Carry out industry research, continue to improve the industry awareness of key manufacturing industries such as new energy, new materials, and high-end equipment, optimize product plans, and improve the efficiency of financing approval; set up special classes, assign responsibilities to people, and conduct research on integrated circuits, new materials, etc. in our city Manufacturing enterprises in key industrial chains carry out special docking work for financial support, and vertically support high-quality manufacturing industry chain customers from point to chain; create special supply chain financing products such as “payment agency”, and transfer the credit of core enterprises to upstream and downstream customers. Effectively solve the problem of capital turnover of small and medium-sized enterprises in the industrial chain.
Use the integrated comprehensive financial services of investment and commercial banks to serve the development of the real economy. Focus on the debt capital market and equity capital market, use various market funds, and link investment bank Moments to serve customers with direct financing, save financing costs and adjust financing structures. Utilize the “Roadshow +” platform that serves the whole bank, provide innovative services such as equity matching platform, option loan, etc., to meet the all-round capital needs of manufacturing enterprises “investment bank + commercial bank” and “direct financing + creditor’s rights”, and help Jinmen enterprises take off .
In the past three years, it has provided more than 80 billion yuan in loan support for corporate customers, issued more than 28 billion yuan in bonds for enterprises, and nearly 7 billion yuan in M&A loans. It has provided full-process services for 430 local bond projects, and the cumulative bond issuance amount has reached 1,500 yuan. billion.
Give full play to its characteristics and serve the high-quality life of Jincheng citizens
China Merchants Bank Tianjin Branch has always been guided by the “Initial Heart Plan”, continuously innovating financial products, opening up the “last mile” of government services for convenience, and giving full play to its unique advantages in wealth management to provide high-quality financial services for citizens’ high-quality life.
Increase the construction of scenarios and upgrade convenience services such as smart education and smart government affairs. In terms of social security payment and deposit, open counter and mobile banking channels for payment; in terms of non-tax payment, efficiently coordinate with 19 online and offline non-tax payment scenarios and collection units such as the Traffic Management Bureau, the Exit-Entry Administration Bureau, and the Justice Bureau Conduct system docking and assist them to complete the reform of non-tax electronic collection; cooperate with the provident fund center to innovate services, and develop online provident fund payment and deposit signing, query, cancellation and other functions; realize data App docking to provide citizens with online query, Apply for and approve credit loan functions; independently research and develop the fund supervision platform of school training institutions, which can be used free of charge by 277 off-campus training institutions, realize the integrated operation of school training institution course release and student parents’ purchase and withdrawal of courses, and can monitor each school training institution in real time Publish information such as courses, teacher information, and supervisory account balances, so that training institutions can “use it with confidence” and parents can “use it with peace of mind”. A total of nearly 300 payment ecological scenarios have been built, and more than 1.4 million payment transactions have been served for enterprises, institutions and residents. A total of nearly 100,000 personal pension accounts and 256,000 digital RMB wallets have been opened.
Let wealth management services “fly into the homes of ordinary people”. Promote the TREE asset allocation service concept, use scientific methods, and provide customers with personalized asset allocation solutions according to the differentiated needs of customers in different life stages such as wealth accumulation, children’s education, and pension protection, and do a good job in “pre-sale Accompanied by wealth throughout the journey from mid-sales to after-sales; with the technological advantages of “people + digitalization”, strengthen the multi-channel coordination between outlets and online business services, offline and App, and make full use of direct sales, AI call coordination, corporate WeChat group management and other means , improve customer service efficiency and operating efficiency, and allow more customers to enjoy professional wealth management services; continue to improve the construction of the App’s online rights and interests system, set up a dedicated “rich life” area for the elderly group, and help customers establish wealth through rich online and offline activities. The scientific investment concept allows customers to enjoy convenient financial services while protecting their family wealth.
Carry out the value of “customer-centric”, put forward the “service ambassador plan”, and establish a “service ambassador” system in outlets. As the first person in charge of branch service management, the service ambassador coordinates various service resources in the branch to bring more high-quality service experience to consumers.
Strengthen advantages to meet the diversified needs of corporate finance
China Merchants Bank Tianjin Branch has done a good job in cross-border financial combination to help enterprises “go global”. Relying on the global service network, focusing on the whole scene of “exchange, exchange, financing, and winning”, we build a five-in-one all-in-one service system for customers, including “offshore, domestic and overseas, local and foreign currencies, investment banks, and online and offline” to help enterprises Successfully carry out cross-border business; as the only joint-stock bank in Tianjin that offers FT account services, it has opened FT accounts for 416 companies in total, realizing FT revenue and expenditure of 405 billion yuan, and built FT cross-border fund pools for 14 groups ; Make every effort to promote the “facilitation + online” service of cross-border business. At present, the replacement rate of online banking for outward remittances reaches 71%, and the replacement rate of online international trade financing reaches 75%.
Taking advantage of the leading asset custody service in the industry, the custody product system covers private equity funds, trusts, bank wealth management, securities companies, funds, insurance, corporate annuities, cross-border and other categories. Up to now, the scale of custody assets has exceeded 800 billion yuan, ranking first in the industry in Tianjin, serving more than 430 corporate customers, and has a leading brand advantage and a good market reputation.
Innovative technology to build a large financial platform in the digital age
Driven by the financial technology strategy, China Merchants Bank Tianjin Branch broke the service boundary, deeply connected the digitalization of finance with the digitalization of enterprise operation, and innovatively launched financial technology products such as the “Salary Futong” platform and treasury management cloud to provide multi-dimensional digital financial services. Enterprise digital transformation.
Create a digital empowerment product “Xinfutong”. Integrate industry-leading human resource management, OA, intelligent bookkeeping, expense reimbursement and other system capabilities, connect the personal tax withholding terminal and the bank’s distribution system, intelligent accounting of attendance and salary data, personal tax declaration and payment, one-click distribution, and automatic invoices Features such as inspection, one-click acquisition of invoices for purchase and sales items, automatic bank account bookkeeping, and visualized data reports can easily help companies realize online management of the entire life cycle of employees and efficient operation of “people, finance, and affairs”. At present, it has served more than 35,000 enterprises.
Treasury Management Cloud is committed to creating digital financial products with the most financial professional advantages and the most financial security level. With financial management as the core, from sales to collection, from procurement to payment, along the enterprise capital flow and value chain, provide a full range of integrated services. Allow financial management to be seamlessly connected with corporate procurement and sales, and collaborate efficiently, along with different stages of corporate growth, to create a future-oriented first-class financial management system, and to be a digital business assistant for customers. At present, there are more than 8,000 treasury management cloud service customers, more than 67,000 corporate online banking users, and 43,000 corporate App users.
It was the first bank to launch online discount and mobile app discount functions, serving nearly 1,000 customers directly. It was the first bank to launch the online rediscount of the People’s Bank of China, becoming the first bank in Tianjin to launch the DVP ticket rediscount business. In addition, the “Jinxinrong” platform, the “Bank-Tax Interaction” system, and the “Enterprise Loan” product help companies solve financing problems with one click on the big financial platforms in the digital age.
The smart dining system “E Meal Link” built around the scene of corporate canteens provides comprehensive service capabilities such as meal subsidies, online restaurants, and one-stop cashiers. Currently, it serves nearly 10,000 employees in Tianjin.
Take on the mission and contribute to the value of the new pattern of national development
Focusing on the national development strategy, systematically carry out policy and industry research, continuously optimize the credit granting process and risk management system, and vigorously develop inclusive finance, green finance and technological finance.
Promote the implementation of the “Greenhouse Plan” and increase the development of inclusive finance. Strengthen the coordination of risk lines and implement the dispatched approval model; encourage business personnel to actively serve private and inclusive small and micro enterprises to improve the efficiency of business landing; focus on supply chain and scene finance, explore digital business models, and tap high-quality inclusive customers in batches to acquire customers channel.
Practice “double carbon” and develop green finance. Establish a list of key reserve projects and carry out list-based marketing. Organize the team to participate in the green credit training of the head office to strengthen the awareness of relevant green industries. Increase the provision of various pricing subsidy policies for enterprises eligible for green credit according to the loan period to reduce financing costs for enterprises.
Focusing on the high-standard and high-quality construction of Tiankai Higher Education Science and Technology Innovation Park, “six measures” were launched. One is to set up professional outlets. It is planned to set up a science and technology financial sub-branch in Tiankai Park to provide exclusive financial services for science and technology enterprises and employees at close range. The second is to open up green channels. Enterprises registered in the park can enjoy a full reduction or exemption of related fees related to corporate account settlement for 2 years. The third is to create exclusive products. Tailor-made credit-type exclusive products such as “Zhaoqi Loan (Science and Technology Enterprise Edition)”, “Zhaochuang Loan”, “Park Loan”, “Jinke Point Loan” and “PE Loan” for science and technology companies, so that technology companies no longer have to wait for ” loan”. The fourth is to facilitate digital transformation. Provide enterprises in the park with the “Xinfutong” system integrating personnel and financial affairs, and the “financial assets management cloud” system with cross-regional centralized account management, so that enterprises can start digitally without burden. The fifth is to provide comprehensive services. Provide enterprises in the park with services including high-quality ecological circle, “debt + equity” investment and financing, and comprehensive digital system support to meet the development needs of enterprises in their entire life cycle. The sixth is to build a cooperation platform. Regularly carry out the “Science and Technology Innovation Recruitment” brand activities to help enterprises innovate in science and technology and transform achievements, and help more entrepreneurs acquire professional knowledge, channel resources, and partners.
At present, it has served more than 27,000 small and micro enterprises. The balance of inclusive small and micro loans is 15 billion yuan, the balance of technology-based enterprise loans is 5.5 billion yuan, the balance of green credit is 6.4 billion yuan, and the scale of fee reductions exceeds 32 million yuan.
Leading by the Party Building, Consolidate the High-Quality Cornerstone of Bank Development
China Merchants Bank Tianjin Branch has always adhered to the guidance of Xi Jinping Thought on Socialism with Chinese Characteristics for a New Era, fully implemented the spirit of the 20th National Congress of the Communist Party of China, comprehensively strengthened the leadership of the Party and the construction of the Party, and made unremitting efforts to comprehensively and strictly govern the Party. The political core role of the party organization, the fighting fortress role of the party branch and the vanguard and exemplary role of the majority of party members lead high-quality development with high-quality party building.
Firmly establish the political and people’s nature of finance, implement various macroeconomic policies and various regulatory requirements, serve the real economy well, provide financial services around key industries in Tianjin, and grasp the right direction for high-quality development.
Vigorously promote the great spirit of party building, continue to do a good job in the publicity and education of the “Four Histories”, fully tap and utilize Tianjin’s red resources, extensively carry out revolutionary traditional education and patriotic education, and provide inexhaustible motivation for high-quality development.
Carry out in-depth study and implementation of the theme education of Xi Jinping’s new era of socialism with Chinese characteristics, firmly grasp the twelve-character general requirements of “learning ideas, strengthening party spirit, emphasizing practice, and making new achievements” The thought of socialism with Chinese characteristics in the era has been transformed into a powerful force to strengthen ideals, temper party spirit, guide practice, and promote work.
Focusing on the task requirements of “strictly governing the party and strictly governing the behavior”, we will continue to deepen political supervision, implement daily supervision, resolutely rectify the “four winds”, continue to strengthen the “three noes” system construction, and strive to build a “big supervision” pattern , Advocate a clean and honest culture of “clean and upright”, create a clean and honest talent, and lay a solid foundation for high-quality development.
New era, new journey. China Merchants Bank Tianjin Branch will integrate into and serve the new development pattern, fully implement the head office’s development strategy of “building a value bank”, adhere to the core value of “customer-centric, create value for customers”, and actively build a wealth management, risk management and technological financial three To maintain the dynamic and balanced development of “quality, efficiency, scale and structure”, and strive to become the best value-creating bank driven by innovation, with a leading model and distinctive features, to create greater value for Tianjin’s economic and social development, and to build socialism in an all-round way Modern metropolises contribute to China Merchants Bank!
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