20 years in Wenzhou "Xingye"!Following Forwarding for Development of Tongxing Communist Spectrum New Articles

On August 28, 2002, on the basis of the acquisition of Yongjiahoubei City Credit Cooperative, Xingye Bank Hemitristed Hemitudes Reliance Branch opened on the banks of the Minjiang River. When the spiritual spirit of "love to win" meets the spirit of "dare to be the first, specially able to start a business and innovation", Wenzhou has opened a positive innovation, forging ahead on the fertile soil of the land of the Emperor Yue, The end of the courage.

Running along the way, stable and high quality is the keywords for growth. A total of nearly 500 billion yuan in credit, the cumulative tax of nearly 1.4 billion yuan, and the management of assets exceeded 64 billion yuan. There are 16 outlets and more than 330 employees. In the process of serving Wenzhou's economic and social development Growth and growth.

All the way, adherence and breakthroughs are the sharp footsteps of development. The bank has always adhered to the original intention of "exploring the way for financial reform and contributing to economic construction", with its own responsibility to serve the real economy, and empower the high -quality development of Wenzhou's economy with characteristics and advantages. From the steady growth of small and medium -sized enterprises to helping the "Phoenix Plan" and "Specialized Specialty" and other enterprises leaping up, from practicing "green water and green mountains is golden mountains and silver mountains" to serve Wenzhou's "four major revitalizations" , The bank has the same frequency of the Wenzhou economy, writing a moving story of the same storms and growing up.

20 years of vicissitudes of butterfly changed, 20 years of hard work. Standing at a new starting point, the bank will not forget the original intention, and use a new attitude and new actions to add color to the beautiful future of the happy Wenzhou.

2022 is the year of the 20th National Congress of the Communist Party of China, and it is also an important year for entering the new journey of building a socialist modern country and entering the second century -long goal. In the era of the sea of ​​stars and the sea, the new air map is slowly unfolding, and the more vast storms and opportunities are waiting for the pioneers of this era to develop.

"The main financial army and vanguard of the financial development of important windows are bravely built with the gesture of fighting." Li Zhiwei, secretary of the party committee and president of the Wenzhou Branch, said that the entire bank will continue to take root in the hot land of Wenzhou's innovative entrepreneurship and forever the courage of the "road visitor". Inspiring the pride of "getting more than the beginning", adding "Xing" momentum for Wenzhou's "continuing to write innovation history, taking good together", contributing to the power of "Xing", and greeting the 20th victory of the party with excellent results.

Guard the original intention with ingenuity

Origin, the root of the root cause

At the intersection of the pulse and regional economy, the physical industry is always the foundation and root of a bank. The entrepreneurial and innovative hot soil of Wenzhou in Shenzhen has given full play to the role of local financial vital army, optimizing the "dredging blood" for Wenzhou's industrial system, stimulating vigorous vitality for the development of the private economy, helping Wenzhou to build a new highland of industrial development and better quality and efficacy, to promote business Enter the wonderful chapter of the times.

Doing a win -win situation with private enterprises in practice

"The cooperation with Xingye began in 2005. At that time, the company was still in the early stages of founding. For 17 years, so many years of support for our support has never changed. We have grown from a small company to a large -scale modern smart shoe -making company. Looking back on Dedai's development for so many years, I would like to thank the industry. "Yu Rongyue, chairman of Desai Group, said.

Founded in 1993, Disai Group is currently a well -known shoe company with an annual output value of nearly 900 million yuan and has become an important member of Wenzhou's private economy. Serving many private enterprises such as Delica Group is the development of the original intention and mission that Wenzhou Branch has always adhered to in the 20 years.

Wenzhou is an important birthplace of China's private economy. The private economy is not only the biggest characteristic advantage of Wenzhou, but also the foundation of Wenzhou's economic development. Since its establishment in 2002, the bank has implemented the initial mission to serve the private economy, closely linked to the characteristics of the "people" of Wenzhou, and actively constructed the "community of the fate of banking enterprises". Two trillion industrial clusters are competitive.

Innovate the "Wenzhou Edition" plant mortgage loan and "Xing Commercial Loan" and other products, make every effort to promote the online financing series and connect the Wenzhou Golden Comprehensive Platform and Leqing Electric Industry Brain; Enterprises on more than 100 households provide financing services; iterative upgrades and optimization of science and technology and financial service systems, establish a one -stop comprehensive financial services covering the entire life cycle and the entire industrial chain of human loans, investment loans, mergers and purchases, and industrial plant loans ; Break the traditional credit "capital flow" evaluation model, and launch the "technical flow" exclusive evaluation system, providing more than 160 households with a credit of 13 billion yuan in credit; the first system of the country is also the first listed "Xingcheng Family" in Wenzhou. Family office, promoting the "healthy development" of private entrepreneurs. As of the end of July 2022, the bank's private enterprise loan balance was 16.1 billion yuan, an increase of 77%in three years; in the past three years, it took the initiative to reduce the cost of more than 400 companies to make a total of nearly 50 million yuan.

At the beginning of June this year, the bank focused on the four aspects of increasing the strong confidence in credit investment, helping the company's stability, focusing on strong guarantees, and strengthening service guarantee for the quality and efficiency of service guarantees. With greater efforts and more realistic measures to do a good job of financial services in the real economy, and go all out to support Wenzhou to stabilize the economic market. By the end of July, a total of 28.9 billion yuan in various types of financing was invested, 28%year -on -year; the loan balance was 35.9 billion yuan, an increase of 21%over the beginning of the year.

With the "dry goods" and real actions of real gold and silver, the bank has grown together with private enterprises with private enterprises, and strives to create a "intimate bank of private enterprises" brand. It was rated as the "most satisfied bank of private enterprises" and was the only one in Wenzhou's joint -stock business bank to receive this award. Investment bank innovation to create a new model of financial services

On June 1, 2022, Huafeng Group's acquisition of the related business and technology of biological products under DuPont was officially completed. The bio -based PDO and PTT products acquired this time can replace some of the existing raw materials of Huafeng Group to produce environmentally friendly polyurethane products, which is of great significance for the construction of the green industrial chain, product chain and enhancement of the value chain.

In order to ensure the smooth delivery of the transaction, the bank quickly launched the agility and flexible working mechanism. The total branch of the total branches was multi -level. It only completed the approval and lending of 100 million US dollars of cross -border mergers and acquisitions in 5 working days. speed".

In recent years, in order to meet the needs of customers' diversified financing, the bank has given full play to the advantages of "commercial banks+investment banks", actively integrating the entire market resources, and strongly serving the major fields of major investment projects, industrial parks, strategic emerging industries, and advanced manufacturing industries. Improve the service layout and introduce a steady stream of financial water for Wenzhou's industry.

↑ In January 2021, the "Xingye Yuan Rong · Wenzhou Technical Property Assets Support Special Plan" was listed on the Shenzhen Stock Exchange and was the first technical property securitization product in the country.

"Our company is a national high -tech enterprise with many invention patents. But in the past, compared with traditional enterprises, there is no advantage in financing. Through technical property securitization, we have obtained 15 million yuan in 3 -year low -cost financing from Xingye, and revitalize to activate it to revitalize. Patented assets have broaden the financing channels. "Yuan Xiaolei, chairman of Zhejiang Ruian Huaian Pharmaceutical Co., Ltd., praised the industry.

For science and technology enterprises characterized by high -tech and light assets such as Hualian Pharmacy, the bank innovatively uses technology property securitization financing products to help enterprises convert patent assets into real cash flow, open up science and technology enterprise patent assets New path of realization. As a project coordinator or underwriter, the bank helps "Wenzhou Technical Property Securities" to achieve omnichannel coverage of the three mainstream trading markets of the Shanghai Stock Exchange, Shenzhen Stock Exchange and the interbank trading market, providing low -cost financing for 48 science and innovation enterprises 590 million yuan, providing a "Wenzhou sample" that can be replicated and promoted for the securitization of technical property rights.

Promoting investment bank financing instruments are widely used in the fields of Wenzhou's industrial transformation and upgrading. In recent years, the bank has successively landed in the country's first single "limited partnership" affordable housing industry fund, the fund in the system directly shares+debt model, and the first single of Wenzhou. Innovative products such as PPP projects; underwriting and issuing Zhejiang's first single China bonds to increase credit to increase the medium- and long -term private enterprise bonds, the first single enterprise credit rural revitalization bonds in Wenzhou region, and Wenzhou's first single epidemic prevention and control bonds, of which 5.1 billion yuan in bonds have been issued in the past three years , Invest in various types of bonds 2.4 billion yuan.

Just focus on casting

Green empowerment, painting the background of urban development

Wenzhou, a beautiful new picture with the green mountains as the background is unfolding slowly. The bank is green, based on regional social and economic characteristics, build a diversified green financial product system, improves the full -chain green financial services, and adds green new momentum for Wenzhou's modern urban construction to build high -quality development.

Point green Chengjin to stimulate industrial development vitality

"Qishan, one water, two -point field", green is the background of the earth, the foundation and power of Wenzhou's development.

Green is also the characteristics and advantages of prosperity. Zhejiang's first equatorial principle applicable project financing, the first single clean development fund commissioned loan, Wenzhou's first single green financial PPP project financing, first single -assembly construction industrialization project financing, first single -drainage right pledge loan, first single carbon neutralized loan ... … As a pioneer and leader of green finance, Xingye has innovated in the field of green finance.

Silver administration work together to build a green ecology. Special loans of energy conservation and emission reduction projects were jointly established with the Wenzhou Economic and Trade Commission and the Environmental Protection Bureau; and the Wenzhou Economic and Information Bureau promoted the special financial services of high -quality green development of the manufacturing industry, and to the green park, green factory, green project, and "acres of all the heroes of the acres. "Comprehensive evaluation of Class A enterprises and other fields provide exclusive financial services support; jointly formulated the exclusive financial service solution to support the construction of Wenzhou ecological civilization construction with the Wenzhou Ecological and Environment Bureau, and jointly build a solid waste uniformly receiving cloud platform to promote Wenzhou Global" None "Waste cities" construction.

In April 2021, Ruipu Energy Co., Ltd. signed a project with Wenzhou and Longwan to build a Wenzhou New Energy Industry Base Project with a total investment of 30 billion yuan. Industry projects. Xingye took the initiative to connect with Ruipu Energy, customized the three -year mid -term migrant funds green loan plan for the company, and gave 70 BP green loans exclusive interest rate discounts to build a new highland for China New Energy Innovation and Development of China's New Energy. Add strong kinetic energy.

From promoting the green transformation and upgrading of traditional industries to the "nuclear landscape water storage hydrogen storage" new energy industry, from helping the flood prevention and drainage of Sanjiang Zhuma Dam to supporting the construction of Wenzhou Western sewage treatment plants, from new energy green buses to green transportation ... Xingye will run the "green+" capabilities throughout the full chain of financial services, actively build a new pattern of green and low -carbon development, help more than 300 customers with green development, green financing balance nearly 16 billion yuan, and depicts the beautiful new scroll of Wenzhou with heart. Express the beauty of the garden city with green

On August 19, the Hang Wen High -speed Railway Five -standard High -Risk Tunnel -the hukou tunnel was safe and smooth, laying a solid foundation for the entire line of Hang Wen's high -speed rail. After the completion of the Hang Wen High -speed Railway, it will be closely connected to the three major metropolitan districts of Hangzhou, Jinyi, and Wenzhou. It is of great significance for creating a "one -hour" transportation circle in Zhejiang Province, promoting common prosperity, urban and rural integration, industrial collaboration, and three -dimensional green transportation. Essence

The smooth progress of the construction of Hang Wen High -speed Railway is inseparable from the support of financial forces. In the early days of the project construction, Xingye was closely connected, and served itself to tailor -made financing plans for the project contracting unit. In July 2020, the Hang Wen High -speed Railway provided 1 billion yuan in project loans, which effectively met the needs of equipment procurement and construction of materials before the project construction. With the promotion of the project construction, the bank also provided a 29 -year -old Hang Wen High -speed Rail PPP project as a syndicate of the Hang Wen High -speed Railway PPP project, with a loan share of 3.5 billion yuan, providing sufficient financial guarantee for the project construction.

The Hang Wen High -speed Railway Project is just a microcosm of the construction of Wenzhou Branch to help Wenzhou's modern urban construction. In recent years, the bank has accelerated the integration of the main centers of the urban area around Wenzhou, established a new pattern of urban development in the "one axis, one area, and one district", accelerated the establishment of a national comprehensive transportation hub deployment, and served the integrated development of the Yangtze River Delta, the coastal cities of the Guangdong -Min -Fu -Fu -Fu -Zhejiang coastal cities Group construction and key infrastructure construction have continued to improve the operation and layout, providing strong assistance for Wenzhou to strengthen transportation construction, enhance the energy level of the city, and strengthen the third pole of the province. Hangzhou Vancouver high -speed rail, city light rail S2 line S3 line, national highway highway, Minjiang governance project, Sanxian wetland park construction, Cangnan sea upper wind power, smart parking lot, Ruian, Lucheng, Longwan affordable rental housing ... a large number of key projects Behind it is the financial support of Xingye's efforts. In the past three years, the bank has provided a total of more than 35 billion yuan for the construction of key projects in Wenzhou City, providing strong financial support for accelerating the construction of modernization of the riverside coastal garden city.

Achieve temperature with attitude

Build a dream together, create a better life together

The new era calls for new actions. In Wenzhou to build a new journey of "Millennium Commercial Port and Happy Wenzhou", Wenzhou Branch will meet the people's longing for a better life as a new goal. Return to service origin, focusing on supporting the development of economic and social development and meeting the financial needs of the people, continuously exploring the path of new financial development, and actively contributing to the people's longing for a better life.

Digital+ecology allows beautiful visions to take into reality

Financial services can make people live better. In recent years, Xingye has actively used fintech "benefiting the people, benefiting enterprises, and wisdom", broadening the breadth and depth of inclusive financial services, and creating the best ecological empowerment banks.

The bank has accelerated the construction of smart outlets, made every effort to build digital, intelligent, and integrated halls, and to penetrate the "smart factor" through all aspects of product services. For example, the migrant worker "wage protection payment system" developed with the Wenzhou Housing and Construction Commission in 2018 became the first commercial bank in the country to launch a migrant worker wage guarantee payment system; in early 2020, the new crown pneumonia epidemic was outbreak. In order to meet the customer's "non -contact" service service Demand, launch the "smart medical" mini -procedure as soon as possible; serve the new citizens of Wenzhou, issue the third -generation social security card to create the exclusive rights and interests of new citizens; focus on "at most once" and "new smart cities", continue to enrich mobile payment application scenarios, A comprehensive strategic cooperation with the Wenzhou Property Association will be reached to build a financial service scenario ecology, and further promotes the new business format of mobile Internet+"clothing, food, housing, travel, and entertainment".

At the same time, the people are wealthy with high -quality wealth management services. Relying on professional investment teams and risk control systems, a wealth management system with high -quality wealth products based on Xingyin Financial Management and head wealth investment institutions is formed to build a professional wealth management team, strengthen sales compliance management, protect consumer rights and interests Increase differentiated configuration capabilities, guide residents 'savings funds to flow into emerging industries in the real economy, and achieve the industry and the people's wealth and prosperity. In the past three years, the cumulative value -added of residents' wealth exceeds 4 billion yuan.

Party building leads to adhere to financial services to the people

Reflecting the original heart of red, do not forget the mission for the people. Over the years, Wenzhou Branch has adhered to high -quality party building leading high -quality development, with "the big of the country", adhered to "finance for the people", and ignited the common wealth "red engine".

In February 2022, Xingye Union Zheng Tai'an could officially issue photovoltaic loans

In Huhwu Town, Yueqing City, Wenzhou, the "photovoltaic loan" launched by Yingye and Zheng Tai'an allows photovoltaic power generation to become a beautiful landscape in the village. The continuous power of electricity not only broaden the people of the people, but also inject new vitality into the rejuvenation of the local villages. Essence

"I have also wanted to install it since the government has vigorously promoted photovoltaic power generation, but it took more than 60,000 yuan in the early stage. It is still difficult to take out so much money at once." Uncle Qi, the villager, said that he was just a photovoltaic power generation project. When it was before, the Wenzhou Branch sent 66,000 yuan to the door to the door in time, bringing him hope. "Thanks to Xingye, this time it really puts 'Golden Phoenix' on the roof, and I can earn money with the sun." Looking at the household photovoltaic equipment on the roof, Uncle Qi Qi said happily. With the help of Xingye Finance, the villagers embarked on the road to get rich with "light".

On the road, there is no shortage of one. Since the exploration of common prosperity in Zhejiang, the high -quality development of 26 counties in the mountains has attracted much attention. In July 2021, Hangzhou Branch joined the provincial pairing to help the Pingyang Group. Specifically, he helped Fengxun Village in Huaixi Town. As a series of "hematopoietic" assistance, as a series of "hematopoietic" assistance, such as the Pingyang Branch, through increasing financing support, optimizing infrastructure transformation, and helping industrial rejuvenation, it has actively helped Pingyang County's leapfrogging high -quality development. Investment in financing nearly 2 billion yuan.

↑ In June 2022, the party committee secretary and president of Hangzhou Branch led the team to Pingyang County to carry out pairing assistance.

Carry out the practical activity of "I do a practical work for the masses", donate computer rooms for the children of Xinwenzhou people, donate to the citizens to build the Wenzhou Red Cross Life Health Experience Center, normalize and continue to carry out love donations. 6 million yuan ... Since the epidemic occurs, Wenzhou Branch has set up a party member pioneer team to deeply prevent the first line of the epidemic prevention and control to help scan code, information collection, and order maintenance. Vegetables and other activities make the party flag flutter high on the front line of war.

Author: Hu Xue

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