Serving the high-quality development of the Yangtze River Delta | Bank of Shanghai focuses on “five-color” articles to continue to promote the integrated construction and development of the Yangtze River Delta

As a municipal financial state-owned enterprise, the Bank of Shanghai closely adheres to the two keywords of “integration” and “high quality” and focuses more financial resources on the integrated development of the Yangtze River Delta, emphasizing the characteristics of science and technology innovation, polishing the ecological background, and tempering Refining the quality of benefiting enterprises, adhering to the true nature of serving the people, and drawing bright figures, continue to promote the integrated development of the Yangtze River Delta to achieve new major breakthroughs, and better play a leading and exemplary role in Chinese-style modernization.

Promote three “innovations” to strengthen the characteristics of scientific and technological innovation

The Yangtze River Delta is one of the regions with the most active economy, the highest degree of openness, and the strongest innovation capabilities in my country, and innovation is its highlight. In order to promote technological innovation in the Yangtze River Delta region, Bank of Shanghai has launched three “innovations” to provide technological financial services. The first is to promote institutional innovation and establish a special science and innovation class in the Yangtze River Delta. Establish a full-time operation and approval team, improve the exclusive evaluation system, and specialize in science and technology innovation financial business. The second is to strive for service innovation and create exclusive products for the Yangtze River Delta region. For technology-based enterprises in the Yangtze River Delta region, we will further improve the full life cycle product system, create and implement “investment-linked loans” for start-up enterprises and “factory loans” for growth and maturity stages; strengthen “intellectual property pledge financing” and “R&D Loans” use intellectual property evaluation results as the basis for decision-making on intellectual property pledge credit. The third is to promote ecological innovation and expand the “science and technology innovation” circle of friends in the Yangtze River Delta. Build a multi-level industrial platform for banking, securities, investment, conferences, and enterprises in the Yangtze River Delta region, expand the “science and technology innovation” industry circle of friends, and provide technology-based enterprises with services beyond finance. As of the end of the third quarter of 2023, the balance of Shanghai Bank’s loans to technology enterprises exceeded 130 billion yuan, with a compound growth rate of more than 40% in the past three years, of which the Yangtze River Delta region accounted for nearly 70%.

Launched “Five Exclusives” to Polish the Ecological Background

Green is the ecological background for the integrated development of the Yangtze River Delta. The Bank of Shanghai has been deeply integrated into the construction of the Yangtze River Delta ecological green integrated development demonstration zone. Based on the established “green finance +” service paradigm, it has launched “five exclusive measures” to help Promote integrated green development in the Yangtze River Delta. The first is to establish a dedicated quota. Starting this year, a total of 100 billion yuan of special credit lines will be invested within three years to support the development of new energy and green and low-carbon industries in the Yangtze River Delta region. The second is to form an exclusive plan. Relying on its own “green finance +” product and service system, it focuses on the needs and pain points of enterprises in subdivided fields to form customized solutions. The third is to provide exclusive services. Focusing on the needs of enterprises for cross-regional operations in the Yangtze River Delta region, we provide settlement convenience commitments, explore services such as cross-bank and cross-regional account opening and settlement, and strive to build a financial “free shipping zone” in the Yangtze River Delta. The fourth is to establish a dedicated team. Special green finance classes have been established in all branches in the Yangtze River Delta region, focusing on enterprises in wind power, photovoltaic, energy storage, new energy vehicles and other fields, actively reaching customers and fully responding to demands. The fifth is to create exclusive supporting facilities. Build 10 green financial specialty branches in the Yangtze River Delta region, explore differentiated supporting policies in marketing, risk, and assessment, and form green financial service experience that can be replicated and promoted. So far, the Bank of Shanghai’s green loans have exceeded 100 billion yuan, with a growth rate of more than 100% for two consecutive years; in the first half of 2023, the scale of green debt financing instruments will rank first among city commercial banks.

Build a “1+4+X” system to refine the quality of benefiting enterprises

In order to better serve and develop inclusive finance, the Bank of Shanghai has launched a one-stop inclusive financial service platform for small and micro enterprises, “Upside Benefit Accompanying”, by building a “1+4+X” inclusive financial service system to adapt to different stages. , financial needs of small and micro customers in the industry. On this basis, combined with the economic characteristics of the Yangtze River Delta region, we will do a good job in disseminating and coordinating services to improve the quality of benefiting enterprises. The first is to create exclusive products and further expand services. Established a “Bank Guarantee Joint Innovation Laboratory” with the Shanghai Financing Guarantee Fund Management Center to make full use of blockchain, biometrics and other technologies to promote the online process of guaranteed quick loans, and establish a sandbox pilot business promotion mechanism and small, medium and micro enterprises Enterprise service bases, etc., create localized specialty products, and promote the further penetration of financial services in the Yangtze River Delta region. The second is to explore replication and promotion and regional coordination. The mature guaranteed quick loan model in Shanghai will be replicated and promoted in the Yangtze River Delta region, and the “batch guarantee” business model of Zhejiang Provincial Bank, Hangzhou City Rongdan, and Shaoxing City Rongdan will be piloted in the Hangzhou area; the Suzhou area will promote Loucheng small and micro loans, Municipal financing guarantee and other batch guarantee business; promote cooperation in Xinke e-loan business in Nanjing area, and gather synergy for the coordinated development of the Yangtze River Delta.

Do a good job in “three optimizations” and stick to the true nature of serving the people

As a city commercial bank rooted in Shanghai, Bank of Shanghai promotes the integration of financial services in the city and practices its true nature as a citizen by improving its institutional layout, optimizing services, and sharing cooperation. The first is to optimize the layout and promote the facilitation of financial services. As of the end of the third quarter of 2023, the Bank of Shanghai has a total of 285 licensed institutions in the Yangtze River Delta region, accounting for more than 80%. Among them, the Suzhou Fenhu Branch in the Yangtze River Delta Ecological Green Integrated Development Demonstration Zone and Taizhou, the first green institution within its jurisdiction Branches were opened one after another, and service momentum was further expanded. The second is to optimize services and promote the integration of financial rights and interests. Realize the reduction and exemption of handling fees in the Yangtze River Delta region, waive the account opening fee of current deposit accounts and online banking fees for account-opening companies; realize partial reduction of handling fees for corporate online banking transfers; waive annual fees and free fees for Yangtze River Delta-themed debit cards , Free of charge for cash withdrawals in the Yangtze River Delta region. The third is to optimize cooperation and promote cross-regional quality of life. In response to the increasing number of “migratory birds” who care for the elderly in other places in the Yangtze River Delta region, Bank of Shanghai has collaborated with more merchants in the Yangtze River Delta region to provide a complete series of rights and interests services focusing on the needs of the elderly in terms of food, clothing, housing and transportation; and actively promotes the “Bank of Shanghai e-therapy” smart service system. Replicated and promoted in the Yangtze River Delta region, the smart medical service project of Shaoxing Paojiang Hospital was completed to accompany the high-quality life of remote elderly care customers.

Strengthen digital empowerment and develop bright colors

Driven by its own digital transformation and serving the real economy, the Bank of Shanghai actively explores financial service models that match the digital economy, promotes the deep integration of the digital economy and the real economy, and draws bright development prospects. Internally, we use digitalization to improve quality and efficiency. Bank of Shanghai anchors digital transformation, taking online, digital and intelligent implementation paths to strengthen digital-driven financial empowerment. Among city commercial banks, we are the first to set up an off-site development and testing center in Suzhou, and establish a regular talent exchange and innovation cooperation mechanism with Southeast University Suzhou Campus, University of Science and Technology of China Suzhou Institute for Advanced Study and other universities to activate the Yangtze River Delta human resources to serve the development of the Yangtze River Delta region. The source of momentum; digital people are deeply involved in customer service scenarios, and currently cover 21 positions in 8 major application scenarios such as operations, technology, and risk. More than 300 digital employees are “certified to work”, becoming an important support for improving quality and efficiency. Externally, we use digitalization to empower development. While continuously improving its own digital capability building level, Bank of Shanghai has strengthened external empowerment, deeply embedded products and services into various business links and financial scenarios through resource integration and technological development, and has successively completed cloud outlets, RPA (robot process Automation), digital RMB application and other financial technology innovation projects have effectively empowered the development of Bank of Shanghai’s Yangtze River Delta business.

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