"Serve the economy and repay Sanxiang." For China Guangfa Bank Changsha Branch, this is the best summary of its seven years in Hunan. In the past seven years, the bank has focused on Hunan's economy and people's livelihood, and invested a total of 1, 4 1 billion yuan to support Hunan's economic development.
Serving the economy and people's livelihood and supporting the development of key areas in Hunan
China Construction Fifth Bureau, Hunan Nonferrous Metals, Hunan Construction Engineering Group, Hunan Coal Group, Hunan Grain Group, Hunan Light Industry Salt Industry Group, Hunan Development Group, Hunan Caixin Holdings, Zoomlion, He Shan Intelligent ... These well-known enterprises are all important business cards for Hunan's economic development and the focus of bank credit.
In the past seven years, the Bank has implemented the national monetary and credit policies, concentrated resources, increased support for key projects, emerging industries, key socio-economic fields and livelihood projects, and fully supported the economic development of Huxiang. By the end of September 20 16, the loan balance of Changsha Branch of Guangfa Bank had exceeded 178 billion yuan, and the accumulated loans exceeded 14 10 billion yuan. Among them, more than 80% of the credit resources were invested in pillar industries, key infrastructure and technological transformation projects in Hunan Province, and a number of key provincial and municipal construction projects and pillar industries in Hunan Province were supported.
Chi-Tat Lau, president of China Guangfa Bank Changsha Branch, said: "After seven years of development, China Guangfa Bank Changsha Branch has entered a new stage of development. We will adhere to the development strategy of "being close to Hunan market and supporting Hunan economy" and grow together with all enterprises in Sanxiang land. "
Help industrial upgrading and support emerging industries and small and micro enterprises.
With the deepening of China's reform, how can financial institutions better support the real economy? How to promote the development of inclusive finance, so that weak areas can also get capital investment? How to promote the adjustment of economic structure and the transformation of old and new kinetic energy of economic development ... Under the financial structure dominated by indirect financing in China, banks are the key link to promote supply-side structural reform and help industrial upgrading.
The bank focuses on supporting the development of emerging industries and strategic emerging industries such as advanced equipment manufacturing, new materials, cultural creativity, biology, new energy, information, energy conservation and environmental protection. For example, the project loan of 500 million yuan to Xiangtan High-tech Enterprise Accelerator Development Co., Ltd. was used for the second phase construction of new energy and modern equipment manufacturing industrial base in Xiangtan High-tech Zone.
As a weak link in the financial industry, financing difficulty for small and micro enterprises is a big problem. According to the requirements of "three not less than" (that is, the growth rate of small and micro enterprise loans is not less than the average growth rate of various loans, the number of small and micro enterprise loans is not less than the same period of last year, and the loan application rate of small and micro enterprises is not less than the same period of last year), Changsha Branch of Guangfa Bank strongly supports the development of local small and micro enterprises, and makes all-round resource inclination in terms of credit line, manpower, material resources and financial resources.
By the end of September, 2065438+2006, the bank's credit for small and micro enterprises had accumulated more than 20 billion yuan, with an average annual growth rate of 56%, exceeding the provincial average growth rate of 13 percentage point, and the total number of households serving small and micro enterprises had exceeded 20,000.
Accelerate the layout of outlets and provide one-stop financial services.
Convenient financial services are inseparable from the support of bank outlets. In recent years, many banking institutions are competing to speed up the layout of outlets, and Changsha Branch of Guangfa Bank is no exception. By the end of 2065438+September 2006, the Bank had established 22 branches, more than 30 community branches and off-bank self-service banks in Hunan.
In addition, the bank also provides special financial services for different customer groups. For example, a flexible and convenient "merchant card" for business owners; Launched a "car loan" for car owners; For the staff of government agencies and institutions, a "self-confidence card" integrating financing, value-added and financial management was launched; Provide convenient and fast "free card" for elderly customers. ...
At present, the cumulative number of CGB credit cards issued in Hunan has exceeded 1 10,000, which strongly supports the consumption demands of residents. Through continuous improvement of financial services, the Bank's personal credit finance business has achieved rapid development. By the end of September, 2065438+2006, the accumulated loan amount of the bank's retail credit business exceeded 176 billion yuan.