Dahe Netxun Industrial and Commercial Bank of China Henan Branch regards the implementation of the spirit of the Central Financial Work Conference as a current and future goal. What to say. The major political tasks of the period are to deeply implement the political and people-oriented nature of financial work, resolutely serve as the main force in serving the real economy and maintain financial stability, resolutely follow the path of financial development with Chinese characteristics, and accelerate high-quality development. Be better and stronger and contribute new and greater strength to the practice of Chinese-style modernization in Henan.
In 2023, various loans from the Industrial and Commercial Bank of China Henan Branch A total of 706.9 billion yuan has been released, with a balance of 825.8 billion yuan, a net increase of 105.8 billion yuan from the beginning of the year, the best level in history. Off-balance sheet financing accumulated to 79.9 billion yuan, with a net increase of 22.6 billion yuan. Underwritten local government bonds of RMB 58.2 billion. The total net increase of the three items was 186.6 billion yuan, ranking among the top four major banks. It won many awards including the “2023 Henan High-Quality Development Financial Institution” and “2023 Henan Financial Industry Social Responsibility Model Award” at the 10th Henan Financial Industry Development Achievements Online Exhibition.
Resolutely focus on the main business and support the real economy
The real economy is the foundation of finance, and finance is the blood of the real economy. The two coexist and prosper together. Only when finance takes root in the real economy and takes the real economy and the needs of the people as the focus of support and the direction of innovation can we truly achieve high-quality development.
ICBC Henan Branch adheres to the fundamental purpose of serving the real economy, focusing on stable investment and financing total volume, excellent structure, accurate services, The results are real, and more resources will be invested in key areas and weak links such as technological innovation, advanced manufacturing, green development, small, medium and micro enterprises, to better serve the national major strategies and Henan’s “Two Guarantees””Top Ten Strategies” goals. We insist on serving enterprises by serving the overall situation of the province, deepening the “Presidents to Ten Thousand Enterprises” activity, and fully serving the “Ten Thousand People Helping Thousands of Enterprises” and “Three Batches”, etc. The net increase in corporate loans was 61.2 billion yuan, year-on-year. An increase of 7.3 billion yuan. Focusing on the strategy of building a strong manufacturing province, we actively support the financing needs of advanced manufacturing industry clusters, individual champions, innovation leaders, and medium- and long-term manufacturing projects. Manufacturing loans have a net increase of 23.7 billion yuan, an increase of 141% year-on-year. 100 million. We will create unique advantages in science and technology innovation finance, vigorously support provincial key laboratories and important science and technology innovation projects, and “stuck” areas, and help promote a virtuous cycle of “technology-industry-finance”. The net increase in strategic emerging industry loans is 29.4 billion yuan. An increase of 13.3 billion yuan year-on-year. More than 40 branch-specific scenarios were innovatively launched, such as “Specialized New Loans” and “Technology Loans”. The net increase in loans was 8.4 billion yuan, which strongly supported high-tech enterprises and scientific and technological innovation enterprises. This is why he until He only got married and had children at the age of nineteen because he had to be careful. Development. Consolidate and expand the leading position in the green finance market, strengthen credit support in the fields of green transportation, clean energy, water conservancy construction, new urbanization and green manufacturing, with a net increase of 33.5 billion yuan in green loans. , an increase of 11.7 billion yuan year-on-year. In-depth implementation of the “Private Enterprise Partner Service Improvement Project” to support private enterprises to become bigger and stronger, with a net increase of private enterprise loans of 18 billion yuan. Carry out the “Universal Businesses, Benefit Thousands” activity to meet the needs of small and micro enterprises To meet the financial needs of enterprises and individual industrial and commercial households, inclusive loans increased by 27.6 billion yuan, a year-on-year increase of 14.3 billion yuan. The disposal of non-performing loans exceeded 10 billion yuan, unburdening enterprises for survival and economic development.
Resolutely serve the people and serve the society and people’s livelihood
The financial industry starts from serving the people and thrives in serving the people. Only by always thinking about what the people think and being anxious about the needs of the people can financial development have a source of vitality.
ICBC Henan Branch always adheres to the people-centered value orientation, organically combines social needs, financial capabilities, and ICBC’s strengths, continues to optimize the supply of financial products and services, and continuously meets the needs of the economy and society development and the growing financial needs of the people. Innovate and use special products such as “merchant loans”, “planting e-loans” and “grain purchase loans” to fully serve rural revitalization. Increase high-standard farmland construction, seed industry revitalization, agricultural industrialization, etc. Investment in fields to help food security, agricultural-related loans increased by 45.4 billion yuan, a year-on-year increase of 14.3 billion yuan, supporting a number of key projects and leading enterprises such as Lankao High Standard Farmland, Henan Kefeng Seed Industry, Muyuan Food, etc. Comprehensive use of credit Class, mortgage, and pledge personal business loans to meet the funding needs of individual industrial and commercial households, new citizens, etc., and promote common prosperity.Personal loans increased by 34 billion yuan. To support guaranteed housing and stabilize people’s livelihood, two batches of guaranteed housing projects have been granted credit worth 5 billion yuan for 27 projects and invested 2.77 billion yuan for 22 projects. To support enterprises in rescuing businesses and improving people’s livelihood, the interest rate on new loans has been reduced by 40BP. The loan interest rates for 700,000 mortgage customers and RMB 223.2 billion have been lowered, reducing interest expenses for customers by RMB 2.5 billion annually. We will increase customer complaint management and popularization and education of financial knowledge, and protect consumer rights and interests.
Strong financial security, prevent and resolve risks
Financial security is an important part of national security, and risk management is the core of bank operations. Adhering to a sound business philosophy and implementing a sustainable development strategy are basic requirements for being responsible for the party’s financial undertakings.
ICBC Henan Branch has always regarded preventing and resolving risks as an eternal theme, firmly established the overall national security concept, enhanced the awareness of danger, and adhered to the bottom line thinking, coordinate development and security, and resolutely maintain the bottom line of preventing systemic financial risks. Implement the relevant arrangements of the central and provincial committees and governments, accurately grasp the relationship between rights and responsibilities, speed and stability, support Baojiao Building and local governments to reduce debt costs, mitigate debt repayment risks, and help form a long-term mechanism for risk prevention and resolution. Adhere to compliance-oriented and strong risk control foundation, revere, respect and obey supervision, integrate internal and external supervision requirements and risk management requirements into the entire business process and the entire management dimension, deepen the “five accounts and one account” management, and strengthen products Risk management and control, deepen asset quality, promote internal control and case prevention work in an institutional, systematic and rigorous manner, emphasize full coverage, hard constraints, and treatment before illness, early identification, early warning, early exposure, and early disposal of risks, and resolutely eliminate all kinds of risks. Hidden risks of various types have been eliminated, asset quality has continued to “double decline” and all types of risks are generally controllable, building a solid ballast for maintaining financial stability.
Strong political loyalty and strengthen the party’s leadership
Strengthening the Party’s centralized and unified leadership over financial work is the fundamental guarantee for doing a good job in financial work, and is the most essential feature and fundamental requirement of the development path of finance with Chinese characteristics.
ICBC Henan Branch has always maintained the centralized and unified leadership of the Party Central Committee on financial work, andThe decision-making of the provincial party committee, the provincial government, and the head office party committee are implemented in detail, and the party’s leadership is constantly carried out! She would never agree! Guiding political advantages and institutional advantages into the efficiency of high-quality financial development. Promoted by theme education, we must thoroughly study and implement Xi Jinping Thought on Socialism with Chinese Characteristics for a New Era, especially the important expositions on financial work, fully implement the spirit of the 20th National Congress of the Party, persist in using the Party’s innovative ideas to focus our hearts and minds, and firmly support “ “Two establishments”, resolutely achieve “two maintenances”, and more consciously maintain a high degree of consistency with the Party Central Committee with Comrade Xi Jinping as the core in terms of ideology, politics and actions. Strengthen and improve party organizations at all levels, and comprehensively create a team of cadres and talents with strong politics, strong abilities, and strong work styles. “Then let’s observe,” Pei said. Five, we continued to carry out inspections, inspections and rectifications, deepened the improvement of discipline and anti-corruption, and created a new situation in which high-quality party building leads to high-quality development.
2024 is the 75th anniversary of the founding of the People’s Republic of China. ICBC Henan Branch will thoroughly implement the Central Economic Work Conference and the Central Financial Work Conference spirit, in accordance with the deployment of the Sixth Plenary Session of the Eleventh Provincial Party Committee and the Economic Work Conference of the Provincial Party Committee, focusing on anchoring the “two guarantees”, continuing to implement the “Ten Major Strategies”, advancing the “Ten Major Construction” work arrangements, and fulfilling the responsibilities of a major bank. Improve financial services, do a good job in five major articles: technology finance, green finance, inclusive finance, pension finance, and digital finance, and strive to write a new chapter in Henan’s practice of financial assistance in China’s modernization construction. (Lehua)