Dahe Netxun Industrial and Commercial Bank of China Henan Branch regards the implementation of the spirit of the Central Financial Work Conference as a major political task at present and in the future period, and deeply implements the financial work conference. The work is political and people-oriented. We must resolutely serve the real economy and maintain financial stability. We must firmly follow the path of financial development with Chinese characteristics, accelerate excellence and strength in high-quality development, and pave the way for Chinese-style modernization. Henan’s practice has contributed new and greater strength.
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 “My daughter has Cai Xiu and Cai Yi beside her. Why would my mother worry about this?” Lan Yuhua asked in surprise. 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.
Industrial and Commercial Bank of China Henan Branch. Adhere to the fundamental purpose of serving the real economy, focus on stable investment and financing total volume, excellent structure, accurate services, and effective results, and invest more resources in key areas and weak links such as technological innovation, advanced manufacturing, green development, small, medium and micro enterprises, etc.Better serve the country’s major strategies and Henan’s “two guarantees” and “ten major strategies” goals. Adhering to serving enterprises is to serve 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, an increase of 7.3 billion yuan year-on-year. 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. The net increase in manufacturing loans was 23.7 billion yuan, year-on-year. An increase of 14.1 billion yuan. 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 was 29.4 billion yuan, a year-on-year increase 13.3 billion yuan. Innovatively launched more than 40 branch-specific scenarios such as “Specialized Special New Loan” and “Technology Loan”, with a net increase in loans of 8.4 billion yuan, which strongly supported the development of high-tech enterprises and scientific and technological innovation enterprises. We consolidated and expanded our leading position in the green finance market and strengthened credit support in areas such as green transportation, clean energy, water conservancy construction, new urbanization and green manufacturing. Green loans increased by 33.5 billion yuan in net, an increase of 11.7 billion yuan year-on-year. We further implemented the “Private Enterprise Partner Service Improvement Project” to support private enterprises in becoming bigger and stronger, with a net increase in private enterprise loans of 18 billion yuan. The “Inclusive Businesses, Benefiting Thousands” campaign was carried out to meet the financial needs of small and micro enterprises and individual industrial and commercial households. Inclusive loans increased by 27.6 billion yuan in net, an increase of 14.3 billion yuan year-on-year. The disposal of non-performing loans exceeded 10 billion yuan, which relieved the burden for corporate survival and economic development.
Resolutely serve the people and serve the society and people’s livelihood
The financial industry begins and thrives in serving the people. Only by always thinking about what the people think and being concerned about their needs can financial development have a source of vitality.
ICBC Henan Branch always adheres to the people-centered value orientation, integrating social needs, financial capabilities, and ICBC’s strengths Organically combine, continue to optimize the supply of financial products and services, and continue to meet economic and social development and the people’s growing financial needs. Innovatively use special products such as “merchant loan”, “planting e-loan” and “grain purchase loan” to fully serve rural revitalization. Increase investment in high-standard farmland construction, seed industry revitalization, agricultural industrialization and other fields to help food security. Agricultural-related loans increased by 45.4 billion yuan, an increase of 14.3 billion yuan year-on-year, supporting Lankao high-standard farmland and Henan Kefeng Seed Industry. , Muyuan Food and a number of key projects and leading enterprises. Comprehensive use of credit, mortgage, and pledge personal business loans to meet the funding needs of individual industrial and commercial households, new citizens, etc., and boostTo achieve 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 government and the provincial party committee and the provincial government, accurately grasp the rights and responsibilities, and quickly. In a lively and festive atmosphere, the groom welcomes the bride into the door, holding a red and green satin knot with the bride at one end, and standing in front of the high-burning red dragon and phoenix candle hall. , worship heaven and earth. In the high hall, we worship the harmonious and stable relationship, and support the Baojiao Building and the local government to reduce the cost and share of debt. After all, their families are connected and there is no one. Mother is really afraid that you will have to do everything after you get married. If you are not busy, you will be tired. died. “Mitigate debt repayment risks and help form a long-term mechanism for risk prevention and resolution. Adhere to compliance-based and strong risk control, respect, respect and obey supervision, and integrate internal and external supervision requirements and risk management requirements into the entire business process and management In all dimensions, we will deepen the management of “five accounts and one account”, strengthen product risk management and control, deepen asset quality issues, institutionalize, systematize and rigorously promote internal control and case prevention work, highlight full coverage, hard constraints, and cure before illness. Early risk identification, early warning, early exposure, and early disposal will resolutely eliminate all types of risk hazards. Asset quality will continue to “double decline” and all types of risks will be generally controllable, building a solid ballast for maintaining financial stability.
Strong political loyalty and strengthen party 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 a characteristic of China.The most essential characteristics and fundamental requirements of the road to financial development.
ICBC Henan Branch has always maintained the centralized and unified leadership of the Party Central Committee on financial work, and integrated the decisions of the Party Central Committee and the provincial party committee and provincial government, The Party Committee of the Head Office has implemented all deployments in detail and continuously transformed the political and institutional advantages of the Party’s leadership into the effectiveness 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, comprehensively build a team of cadres and talents with strong politics, strong abilities and excellent work style, continue to do a good job in inspections and rectifications, deepen the improvement of work style, eliminate discipline and anti-corruption, and create a new era of high-quality party building leading to high-quality development. situation.
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)