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Zheshang Bank Compared with Four Big Banks
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From: www.wangluoliuxing.com Date: May-18, 2022.

Under the epidemic situation, someone must be able to do the opposite, improve the tolerance of risks, and stabilize the economy and employment. Recently, under the guidance of the financial bail-out policy, it has become the key word for the banking industry to strengthen financial services, make full use of policies and promote the inclination of financial resources to the affected enterprises, industries and regions. Zheshang Bank is no exception. In the first quarter, through the innovation of many businesses, such as chain finance, Zheshang trading treasure, Yongjin bill pool, etc., it helped the entity enterprises in the epidemic.

According to China Banking and Insurance Regulatory Commission data, the total assets of commercial banks last year was 288.59 trillion yuan, up 8.6% year-on-year; The net profit for the whole year was 20.18 trillion yuan, a year-on-year increase of 12.6%. In the first quarter, various loans in the banking industry increased by11%year-on-year; The non-performing rate 1.79% was slightly lower than that at the beginning of the year.

It is not difficult to see from the above data that the asset scale of the banking industry has grown steadily, the profitability and asset quality have continued to improve, and the industry boom is on the rise.

Take Zheshang Bank as an example. Its first quarterly report in 2022 shows that its revenue in the first quarter was 153.9 1 billion yuan, a year-on-year increase of 18.37%, and its net profit attributable to bank shareholders was 51.1800 million yuan, a year-on-year increase of/ Among them, net interest income11498 million yuan, up14.20% year-on-year; Non-interest net income increased by 32.69% year-on-year to 3.893 billion yuan, which was faster than the overall increase of revenue.

Haitong Securities commented that "speed up and increase efficiency, take on a new look". Zheshang Bank's revenue and profit reached double digits in the first quarter of 2022, and the net profit returned to the pre-epidemic level, which was greatly improved compared with 20021year. The 12-character business policy of "tamping the foundation, adjusting the structure, controlling risks and creating benefits" has been initially reflected.

Exploring the reasons behind this, Zheshang Bank has focused on its main business, strengthened digital empowerment, and successively launched many characteristic businesses, especially chain finance, which has certain first-Mover advantages. It continues to iteratively upgrade the financial service platform of the supply chain industry chain based on the technology of "blockchain and Internet of Things", and gradually forms five plate patterns: large retail plate, large company plate, large investment bank plate, large asset management plate and large cross-border plate, and further develops the vision of "first-class commercial bank".

Sinking, Changing and Exporting Zheshang Bank's Layout Chain Finance

As we all know, the traditional deposit and loan model belongs to a typical "one-off" business, but the enterprise is not a single individual. It has upstream and downstream customers, and embeds financial services into the production, operation and fund management activities of the enterprise, helping the enterprise to revitalize the assets and resources deposited on itself and the supply chain and build a financial ecology of the supply chain.

The so-called chain finance means that banks manage the capital flow, logistics and information flow of upstream and downstream small and medium-sized enterprises around the core enterprises to realize the overall risk control of supply chain enterprises and provide a package of financial services on this basis.

Supply chain finance solves the problem of financing and guarantee difficulties for upstream and downstream enterprises. By opening the bottleneck of upstream and downstream financing, the financing cost of supply chain can be reduced, the competitiveness of core enterprises and supporting enterprises can be improved, and the "win-win" between banks and enterprises can be realized.

At present, affected by the epidemic situation, maintaining the stability of industrial chain and supply chain is an important measure to smooth the national economic cycle. It was also frequently mentioned by the Financial Stability Committee, the People's Bank of China and China Banking and Insurance Regulatory Commission at the symposium on financial support for the real economy held recently.

In line with the internal and external development trends and regulatory requirements, Zheshang Bank actively serves the national strategic layout and responds to the national action of "mending the chain and strengthening the chain" in the industrial chain. In 20021year, it newly established the supply chain finance department to deepen the basic customer base and serve the real economy.

At present, it has formed distinctive and differentiated supply chain financial solutions in more than 20 industries such as steel, construction, energy and electric power. According to the data, as of the end of March 2022, Zheshang Bank had served 455 digital supply chain projects, serving nearly 10,000 upstream and downstream customers, of which Pratt & Whitney small and micro enterprises accounted for 80%, and its business balance exceeded 32 billion yuan.

The threshold of supply chain finance itself is not high. The difficulty and pain point is that banks should constantly change according to the needs of enterprises, introduce more efficient products and better services, and meet the diversified financing scenarios of enterprises.

Zheshang Bank, through in-depth communication and investigation with enterprises, learned that the core problem of most enterprises is accounts receivable. For small and medium-sized enterprises, in the face of strong upstream and downstream customers, their right to speak is generally weak, so more accounts receivable are deposited.

Too many accounts receivable will devour the cash flow of enterprises, and an enterprise does not have sufficient cash flow, just like a person without air, there is the possibility of "suffocation" at any time. Therefore, whoever can solve the problem of enterprise accounts receivable can be in an invincible position in the competition with peers.

Zheshang Bank saw this pain point, took the lead in launching the receivables chain platform, pioneered the banking industry to empower its core business with blockchain, and then consolidated its advantages in supply chain finance through blockchain, Internet of Things and other technologies.

On the platform of receivables chain, enterprises can handle the issuance, acceptance, payment, transfer, pledge and redemption of receivables, realize the realization of receivables in advance or realize barrier-free circulation, and greatly improve service efficiency.

Taking Hikville as an example, about 70% of its sales revenue is realized through dealer channels, but there are about 1800 dealers in China, which are scattered all over the country. Due to the epidemic situation, the account period of dealers has been extended. Hikville will collect cash from dealers at the end of the quarter, depending on the demand of accounts receivable, and dealers also have financing needs.

On this basis, Zheshang Bank can directly pay Hikvision after financing the orders of downstream dealers, effectively solving the pain points of both parties. By the end of the first quarter of 2022, downstream dealers had accumulated financing of/kloc-0.6 billion yuan.

Under the two-wheel drive of "blockchain+Internet of Things", according to the data, as of the end of the first quarter of 2022, the number of core enterprises in the supply chain of Zheshang Bank's service industry chain and their up and down tourists has reached nearly 40,000. Huatai Securities Research Report analyzes that Zheshang Bank's supply chain is growing rapidly, and it is expected to deposit a large amount of low-cost settlement funds, and the structural adjustment effect is gradually prominent.

Zheshang trading treasure, Yongjin Bill Pool and other special businesses empower differentiated competition.

There were retail banks and trading banks before, followed by financial technology banks and smart banks. Both state-owned banks and stock banks are constantly exploring new development directions, which also means that differentiated competition has gradually become the direction of efforts of banks.

Using bills to serve the liquidity needs of enterprises is one of them. Enterprises will involve a lot of bills in their operations, and many enterprises are faced with problems such as a large number of bills, difficulty in realizing them, and difficulty in circulating assets. In order to solve this problem, Zheshang Bank launched a pooled financing platform to facilitate enterprises to enter the pool assets at any time, especially in the case of an epidemic, and handle financing online.

As early as 20 14 10, the business of "bill pool" surfaced, and it was upgraded to a pooled financing platform in 20 17. This business is mainly to package all bills of different varieties, maturities and amounts into the pool as a whole, and generate the corresponding "pool financing amount" as a whole. This line can be directly used to issue paper and electronic acceptance bills, and can also be used to draw short-term loans, open letters of guarantee and other comprehensive credit businesses.

Not only is there a pool of bills, but there are also many characteristics in Zheshang Bank's corporate business, which empowers differentiated competition. International business is one of them.

In 20021year, the international settlement volume of Zheshang Bank reached $218.2 billion, a year-on-year increase of104%; The volume of foreign exchange transactions with customers was $82.4 billion, a year-on-year increase of 46%; The income from intermediary business was 1 1.28 billion yuan, a year-on-year increase of 33%. The first quarter also continued its high growth trend, with the volume of international settlement and foreign exchange transactions with customers increasing by 78% and 92% respectively, reaching $66.3 billion and $33.3 billion.

In recent years, the international business of Zheshang Bank has stood out, and it is inseparable from the blessing of special businesses such as Zheshang trading treasure.

In 20 17, zheshang bank innovatively launched the self-service online foreign exchange trading client-"zheshang trading treasure", and then in 20 18/month, it was upgraded to zheshang trading treasure mobile APP.

In the traditional mode, enterprises make inquiries from bank traders by telephone and other means, and the round-trip inquiry and offline operation are inefficient and it is difficult to grasp the optimal transaction price of exchange rate. With the launch of "Zheshang trading treasure", enterprises can conduct business online by themselves, lock the exchange rate in real time, and shorten the foreign exchange derivatives transaction that originally took 1-2 hours to less than 2 minutes. The efficient and convenient trading mode can better help enterprises achieve the goal of exchange rate hedging.

Up to now, the settlement volume in trading treasure has steadily increased, reaching $37.4 billion in 20021year, effectively serving foreign trade enterprises. In the first quarter, affected by the epidemic, the online service capacity was further improved, reaching12.2 billion USD.

There are indications that Zheshang Bank, with the blessing of chain finance, Zheshang trading treasure and other special businesses, has helped the real economy in by going up one flight of stairs. Looking forward to 2022, the impact of the epidemic is still continuing. Zheshang Bank will provide services with characteristic finance, cultivate and build the core competitiveness of four advantages and five sectors, and comprehensively enhance its comprehensive financial service capabilities.

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