Successful Cases: Three Characteristic Financial Exploration Under The Road Of Differentiation

2021 is the 25th anniversary of the establishment of the Bank of Beijing. As a small and medium-sized bank born in the historical tide of China's financial reform and opening-up, the Bank of Beijing has established the market positioning of "serving the capital economy, serving small and medium-sized enterprises, and serving the people" since its establishment. Through continuous accumulation, it has explored and formed three characteristic brands of Science and technology finance, cultural finance and people benefiting finance, and has created the characteristic operation and differentiated development of small and medium-sized banks Typical samples of the exhibition.

The characteristic brand of "science and technology finance" created by Bank of Beijing is committed to providing all-round financial services covering different development periods for science and technology innovation SMEs.

Creating service enterprise sample through "Finance + technology"

Since its establishment 25 years ago, Bank of Beijing has closely followed the development of science and technology industry, seized the historical opportunities of national science and technology innovation center and Zhongguancun National Independent Innovation Demonstration Zone, and has become a regional bank with diversified products and services, extensive business coverage and prominent brand influence in the field of domestic science and technology finance.

Up to now, the Bank of Beijing has provided more than 620 billion yuan of credit to 29000 technology-based small and medium-sized enterprises, serving 86% of the SMEs, 85% of the GEM listed companies and 76% of the innovative enterprises of the new third board. The science and technology financial loans have always ranked first in Zhongguancun demonstration zone.

Taking Zhongguancun as the starting point, Bank of Beijing has made many bold explorations and attempts in the field of science and Technology Finance: in 2000, Bank of Beijing established the first management department of Zhongguancun Science and technology park; in 2001, it established the first service center for small and medium-sized enterprises in Zhongguancun area; in 2009, its first specialized branch of credit for science and technology-based small and medium-sized enterprises was established; in 2011, the first branch of Zhongguancun was established In 2015, Zhongguancun small giant maker center, the first banking system maker space in China, was established, which was recognized as a national "maker space" by the Ministry of science and technology; in 2016, Bank of Beijing became the first batch of pilot banks of investment and loan linkage in China, taking the lead in establishing "ZhongGuanCun investment and loan linkage community"; in 2017, Bank of Beijing and Changping District government signed a comprehensive strategic cooperation agreement to support the implementation of the "ZhongGuanCun investment and loan linkage community" To construct the science city; in 2018, the science and technology financial innovation center was established, and the "frontier science and technology loan" was launched to promote the financial services for the original innovation and key core technology enterprises; in 2019, the "guiding opinions on further deepening the development strategy of science and technology finance" was formulated, and the "financial service program of Beijing Bank of science and Technology Innovation Board" was launched to provide settlement and credit for science and technology enterprises to land on the science and technology innovation board Financial management, fund custody, listing and other financial services.

In the past few years, Bank of Beijing has also made great efforts to play the role of bridge and link, successively signed several rounds of strategic cooperation agreements with ZhongGuanCun Management Committee and Beijing Municipal Science and Technology Commission, exclusively supported the "ZhongGuanCun forum", participated in the implementation of Beijing Science and technology innovation fund, high-end industry development fund and Zhongguancun M & a master fund, participated in launching Beijing Science and technology finance Promotion Association, and strengthened professional cooperation The cooperation and interaction between the association, venture capital institutions, guarantee companies and other third-party service institutions will jointly promote the improvement of the science and technology financial ecosystem.

With the success of the above-mentioned "science and technology finance" service mode, Bank of Beijing has also begun to copy and promote the corresponding characteristic service mode to other regions of the country. It has created a number of sub brands of science and technology finance in Nanjing, Tianjin, Shenzhen, Shijiazhuang and other cities, forming a science and technology financial service network radiating the whole country.

To help the cultural industry rise,

"Financial pusher" after becoming "champion" and other popular IP

With the vigorous development of the cultural industry itself and the country's increasing attention to the cultural industry, the Bank of Beijing, which has been deeply engaged in the cultural and financial field, has continuously promoted the innovation of cultural and financial products. Its business now covers nine major fields, including content creation and production, cultural entertainment and leisure services, cultural investment and operation, cultural communication channels, news and information services.

Up to now, the Bank of Beijing has provided more than 9000 cultural enterprises with more than 330 billion yuan of credit funds, and the capital's cultural and financial market share has always been in the forefront. According to the statistics provided by Bank of Beijing, half of the top 30 cultural enterprises in China are customers of Bank of Beijing.

It is reported that around the industrial characteristics, Bank of Beijing has carried out the innovation of "industrial chain" service scheme, taking the lead in launching the financial service scheme of "cultural IP link" in the industry. In view of such key industries as film and television, culture and tourism, Bank of Beijing has successively launched the financial service plan of the whole industry chain of "film and television loan" and issued the financial service action plan of "culture and tourism loan".

The above measures have helped a number of film and television companies such as bona pictures, light media, Warner Bailu and perfect world to create a number of theme films and TV works, such as "red sea operation", "war wolf 2", "Mekong River operation", "champion", "vajrakawa", as well as "Fire Hero", "decisive moment", "captain of China" and "China pride Trilogy", which also make bank of Beijing a rising cultural industry "Behind the scenes financial promoter".

In order to meet the corresponding market characteristics and business development needs of cultural industry business, the organizational structure and management mode of Bank of Beijing have also been adjusted accordingly.

At the head office level, the Bank of Beijing has set up a cultural and financial leading group and a cultural and creative financial business headquarters to be responsible for the construction of cultural and financial innovation mechanism, the exploration of innovation mode and the implementation of innovative services; at the branch level, it has set up a cultural and financial team led by the head of the branch, and set up a cultural and financial service team; at the sub branch level, it has established the organizational structure, business scope and personnel allocation Preparation and business assessment and approval and other aspects of the adjustment. At the same time, it took the lead in setting up "cultural and creative credit factory" and "cultural maker center" in China to realize the integrated services of "entrepreneurship incubation + equity investment + debt financing" of cultural and creative enterprises.

In addition to the above-mentioned "cultural IP link" financial service scheme, in terms of cultural and financial products, Bank of Beijing provides standardized GSP products such as "cultural and creative inclusive loan" for start-up enterprises, and provides "intellectual power loan", "scholarly loan", "agricultural tourism loan" and "creative design loan" for growing enterprises.

In the past year, the Bank of Beijing has continued to make efforts to sign a number of strategic cooperation agreements with the Municipal Cultural Resources Center, Beijing Municipal Radio and Television Bureau, Gehua Cultural Development Group, cultural creative Board Development Co., Ltd. and other institutions, and released the "Jingcai Cultural Park" Cultural Industry Park's financial service program and "canal sail film" and other financial product systems The "dynamic" mode has built the capital's cultural and financial service ecosystem.

Covering key scenarios of people's livelihood and launching multi benefit financial services

As a local bank born in the capital, serving Beijing People's livelihood has become one of its important goals since its establishment. In the fields of basic life such as medical treatment, education and housing, Bank of Beijing has launched the financial brand of "huimintong", which covers seven sub brands, including "social security", "medical", "education" and "anjutong".

According to statistics, in the field of education, since its establishment 25 years ago, the Bank of Beijing has served nearly 100 universities and more than 1000 educational institutions such as primary and secondary schools. Among them, more than 90% of Beijing's municipal universities and nearly 30% of its primary and secondary schools serve. A total of nearly 450 million yuan of student loans have been granted, supporting more than 80000 college students to complete their studies.

In terms of basic medical insurance fund storage and settlement services, Bank of Beijing has covered many medical scenarios through a variety of products. Bank of Beijing promoted the number of social security cards issued in Beijing to exceed 24.26 million, covering nearly 2500 designated institutions in the city. The "jingyitong" card, jointly launched by Beijing Municipal Health Commission and Beijing medical management center, has covered 27 hospitals above grade III in Beijing, with a total of 24.51 million cards issued, making it one of the largest appointment registration entrances in Beijing.

In terms of meeting the basic residential needs of residents, the Bank of Beijing has actively followed up, and the current balance of the bank wide affordable housing project loan exceeds 36 billion yuan.

For the help groups, the Bank of Beijing has launched multi-dimensional personal financial services to solve the corresponding livelihood problems. In 2009, the Bank of Beijing, together with the Beijing Federation of trade unions, issued the "trade union member mutual assistance service card", which created 12 multi-level rights and interests service system for the city's trade union members, including financial inclusive, medical mutual assistance, legal services, psychological care, etc., and has issued 5.5 million cards. In 2014, the Bank of Beijing, together with the Beijing Disabled People's Federation, issued China's first smart disabled card - "Beijing pass · disabled services all in one card". Disabled people can enjoy multiple convenience such as disability assistance subsidies, consumption settlement and so on. At present, more than 500000 cards have been issued.

The Bank of Beijing said that it will continue to strengthen product innovation and technology empowerment, promote the transformation and development of science and technology finance, cultural finance and people benefiting finance in the era of digital economy to online, scenario and intelligent, and continue to provide solid financial support for the construction of capital cultural center and scientific and technological innovation center and the improvement of people's livelihood and well-being.

?