Bank of Beijing builds investment and loan linkage technology innovation branch in Zhongguancun

Zhongguancun 000,931, attending parent-share merger announced the establishment of the Fund, Bank of Beijing 601169, attending parent fund shares and signed an agreement to fund the $ 1 billion industry resources and butt, butt, and many other sources of funds to carry out in collaboration with the parent fund strategies.

Following the launch of the Maker Center, Bank of Beijing launched the “Support for the Zhongguancun Wanjia Maker Action Plan” to upgrade the Maker Center services from the aspects of Maker services, platform construction, investment and loan linkage, tutoring, and business incubation.

Bank of Beijing has set up a smart bank in China's highly innovative Zhongguancun area, where people and businesses can experience the new experience of outlets in the Internet finance era.

Beijing is a national science and technology innovation center, and Zhongguancun will become the core of Beijing's innovation drive. As a bank rooted in the capital, Bank of Beijing, as early as its inception, has keenly foreseen the beautiful picture of the future development of the capital's technology industry, and regards the support of high-tech enterprise development as the top priority of business development. The establishment of the Bank of China Zhongguancun Branch is an attempt by Beijing Bank to serve technological innovation and is also a footprint of China's financial innovation.

According to the functional orientation of the capital city and the national industrial policy focus, in 1999, after the State Council made a decision to accelerate the construction of the Zhongguancun Science Park, the Bank of Beijing took the lead in setting up the Zhongguancun Science Park Sub-branch and the Zhongguancun Science Park Management Department in the Zhongguancun Park, which opened the service to Zhongguancun. Practice the innovation of science and technology finance and promote the growth of small and micro enterprises. On May 28, 2011, the Bank of China Zhongguancun Branch settled in the core area of ​​the Zhongguancun National Independent Innovation Demonstration Zone and became the first branch-level featured banking institution in the Zhongguancun Demonstration Zone.

Since its establishment six years ago, the Bank of China Zhongguancun Branch has been paying close attention to the historical opportunity of building a national independent innovation demonstration zone in Zhongguancun, and actively responding to the policy call for “mass entrepreneurship and innovation”, and has continued to conduct pilot tests on products, services, processes and mechanisms. Innovative and upgrading, actively participate in the construction of the “National Science and Technology Innovation Center Core Area” in Haidian District, providing convenient and efficient financial services for many technology-based enterprises in the Zhongguancun demonstration area, and injecting new impetus for China's entrepreneurial innovation and Beijing to create a technological innovation center. . Up to now, the Bank of China Zhongguancun Branch has a total of 53 outlets with total assets of more than 240 billion yuan. It has accumulated more than 210 billion yuan of loans to 14,000 high-tech, high-growth small and medium-sized enterprises in the Zhongguancun Demonstration Zone, and its peers in the Zhongguancun Demonstration Zone. Ranked first. Among the banking institutions in the region, the stocks of the main board, the GEM, the small and medium-sized board listed companies and the Xinsan board innovation-level enterprises served by the Beijing Bank Zhongguancun Branch accounted for more than 50%.

Responding to policy calls

Support the "double creation" group entrepreneurship dream

Practice "technology finance", escort technology companies take off and grow

“In the regional banks, Bank of Beijing is the best bank.” On May 7, 2015, Premier Li Keqiang gave an evaluation of the Bank’s small micro-branch in Zhongguancun Venture Street. Under the craze of “mass entrepreneurship and innovation”, as the first branch-level banking institution named after Zhongguancun, Bank of China Zhongguancun Branch actively responded to the policy call and carried out financial innovation in terms of integrating resources, upgrading models, and building systems. It has achieved common growth with Zhongguancun's emerging industry incubators, entrepreneurial teams, and start-up small and micro enterprises.

Focus on the start-up: the first "starting business loan" and "starting business card." As early as 2013, Bank of Beijing Zhongguancun Branch turned its attention to start-ups, light assets, and first-time financing difficulties, and signed a strategic cooperation agreement with Garage Coffee, the first innovative incubator in Zhongguancun Venture Street. launch set for the start-ups of financial services program, released for the start-ups tailored "business loan" credit products, the launch of the Bank of China 601988, shares the industry's first clinic for entrepreneurs credit "business card" . In 2014, Zhongguancun Branch signed an agreement with Garage Coffee and Beijing Equity Exchange Center to explore a model of equity and credit cooperation and win-win, and to build a more convenient and comprehensive capital docking service platform for the growth and development of small and micro enterprises. Up to now, the bank has issued a total of 261 entrepreneurial loans, 79.53 million yuan, of which the minimum loan amount is only 20,000 yuan.

Financial assistance: Support the upgrading of “One City, Three Streets”. In 2014, with the acceleration of the construction of “One City, Three Streets” in Haidian District, the Bank of China Zhongguancun Branch expanded its service vision to Zhongguancun Venture Street. At the opening ceremony of Zhongguancun Venture Street, the bank signed an agreement with the Haidian Park Management Committee to jointly support the development of emerging industry incubators, entrepreneurial teams and small and micro enterprises in the core area. In 2015, the bank set up a network dedicated to small and micro enterprises in Zhongguancun Venture Street, providing a series of financial services such as consulting, account opening and financing for entrepreneurs. Currently, the network has received 4,500 person-times and 67 startups. Provide credit support of 31.26 million yuan. In 2016, the bank signed an agreement with Beijing Zhongguancun Street Operation Management Co., Ltd., with a comprehensive credit line of 10 billion yuan to support the upgrading of Zhongguancun Street. At the same time, the Bank of China Zhongguancun Branch participated in a series of activities such as “Double Creation Week” and “Zhongguancun Innovation and Entrepreneurship Season” for two consecutive years to provide financial services for start-up enterprises, and hosted the Zhongguancun U30 Entrepreneurship Competition, and cooperated with investment institutions to provide entrepreneurial teams. Integrated capital programme and resource support.

Creating a precedent: The banking industry's first “Maker Center” has achieved outstanding results. In order to provide financial services to entrepreneurial enterprises more systematically, Bank of Beijing has explored a new model for banks to support small and micro enterprises to innovate and start businesses. In June 2015, the first and only bank-created space in China, the Bank of Beijing “Zhongguancun Little Giants Creation Center” was officially born. In the Maker Center, nearly 10 entrepreneurial teams can be stationed at the same time, and 3 months of free incubation is provided. After one year of operation, Bank of Beijing launched the “Supporting Zhongguancun 'Wanjia Chuangke' Action Plan” in 2016 to upgrade the service center services from the aspects of maker service, platform construction, investment and loan linkage, tutor counseling, and business incubator. . At present, the total number of members of the Maker Center has exceeded 13,000, more than 220 cooperative investment institutions, 35 entrepreneurial mentors, 60 creators, and 38 incubating enterprises. A total of 17 instructor lecture halls, 33 lectures, and 10 lectures have been held. Entrepreneurship competition, 61 investment roadshow, more than 7,000 people participated in various activities organized by the Maker Center, and provided loans to more than 30 billion yuan for 1800 members. It was supported by the Ministry of Science and Technology, Zhongguancun Management Committee and Haidian Park Management Committee. The Municipal Science and Technology Commission was identified as “Zhongchuang Space”, “Zhongguancun National Independent Innovation Demonstration Zone Innovative Incubator”, “Zhongguancun Core Area Emerging Industry Incubator”, “Beijing Zhongchuang Space”, and was appraised by the Central Financial Group Working Committee. The 4th Financing Youth Youth “Golden Idea” awarded by the National Financial Youth Federation.

Difficulties in ice-breaking financing: The first batch of pilot roads explored “investment and loan linkage”. In 2016, as a financial driving force to promote innovation and entrepreneurship, “investment and loan linkage” was first written in the “Government Work Report”. In April of the same year, the China Banking Regulatory Commission, the Ministry of Science and Technology, and the People's Bank of China jointly issued the “Guiding Opinions on Supporting Banking Financial Institutions to Intensify Innovation and Launching Pilot Projects for Investment and Loan of Science and Technology Enterprises.” Bank of Beijing became the first pilot bank for investment and loan linkage. In order to promote the work, Bank of Beijing launched the “Suspension and Loan” product in 2016, and through the integration of advantageous resources, it provides dual-channel financing support for “small investment and loan” for small and micro enterprises with technology, to meet the diversified financing needs of enterprises and to help enterprises achieve Rapid growth, won the "2016 China Top Ten Financial Product Innovation Award", "2016 National SMEs Innovation Service Typical Cases Best Cases" Award. Zhongguancun Branch of Bank of Beijing, which is in the first batch of pilot areas of investment and loan linkage, actively explored and promoted the investment and loan linkage business. It has issued 30 million yuan of investment and loan joint venture investment for Guangsha Network Company, which is the limited liability of Beijing Beacon Hengye Technology Development Co., Ltd. The company issued a stock option loan and established cooperation with Junlian Capital, Qidi Kefu, Hony Capital and other institutions to establish an equity investment fund. The Bank of China Zhongguancun Branch has accumulated 51 shareholding loans.

Practice "technology finance", escort technology companies take off and grow

Over the years, the Bank of China Zhongguancun Branch has continued to develop its main battlefield and experimental field in the Zhongguancun Demonstration Zone, continuously improving its service technology and independent innovation capabilities, and strongly promoted the organic combination of finance and technology, and became a powerful fulcrum for technological innovation. The strong backing of technology companies has created a distinctive "tech financial" brand.

“Credit Factory”: Open the small micro loan batch operation mode. In 2011, Bank of Beijing implemented a process-oriented operation for technology companies and launched the “credit factory” model, which became the core driving force for improving the financial services of small and micro enterprises. The Bank of Beijing “Credit Factory” explores the batch service mode of small and micro enterprises through batch marketing, standardization of loans, differentiated loans, and special incentives, and provides a more efficient and convenient technology-based enterprise. With a full range of financial services, the loan cycle has been shortened from the previous two weeks to a maximum of five days. At present, the Bank of China Zhongguancun Branch has established a number of small and micro enterprise credit franchises and “credit factories” such as Zhongguancun Haidian Park Sub-branch, Shangdi Sub-branch, and Shuangxiu Sub-branch. Among them, the number of small and medium-sized micro-enterprise loans in the “Credit Factory” of Zhongguancun Haidian Park in the West District of Zhongguancun has exceeded 600, ranking first in the industry, and has been awarded the “2011 National Banking Financial Institutions Small and Micro Enterprises” issued by the China Banking Regulatory Commission. The advanced unit of financial services, the “2010 Small Enterprise Financial Services Advanced Unit” issued by the Beijing Banking Regulatory Bureau and the “2014 Beijing Banking Micro-Financial Service Characteristic Business Unit” issued by the Beijing Banking Association.

“Loan” is a win-win situation: multi-products accompany the growth of the company. Products are the carrier of financial services. On the basis of earnestly studying the development characteristics of the Zhongguancun Demonstration Zone and the ever-changing needs of technology-based enterprises, the Bank of China Zhongguancun Branch continued to carry out pioneering tests, continuously innovating and enriching product and service models, and launching technology-based enterprises to “start, grow, mature, take off”. "A four-stage integrated financial product system. In the past six years, the Bank has cooperated with the Municipal Science and Technology Commission to implement the “Technology Loan” series of cluster projects, and cooperated with Zhongguancun Technology Finance Guarantee Company and Beijing Haidian Technology Enterprise Finance Guarantee Co., Ltd. to launch the “See Credit and Insurance” product, and Zhongguancun Technology. The leasing company cooperated to launch the "Silver Rent" product, and cooperated with the tax authorities to launch the "Silver Tax" product, focusing on the demand of high-growth enterprises to launch the "Growth Loan" product, and launched the "Small Micro Loan" product based on the bill of lading... ...to create a product platform with comprehensive functions, flexible configuration and strict control of wind control. At the same time, Bank of Beijing's first private banking center was established at the Bank of China Zhongguancun Branch, which provides entrepreneurs with products and services that meet their family management and corporate development needs. Up to now, the private banking center has landed a number of family trust businesses and private banking discretionary asset management services, creating a high-end platform for investment and financing exchanges and financial innovation.

Innovation mode: multi-party linkage to improve service efficiency. In order to improve the service efficiency of technology-based enterprises, Bank of Beijing cooperated with Zhongguancun Science and Technology Guarantee Company in 2000 to create a precedent for cooperation in the banking industry and form a business operation mode of “common households, independent decision-making, and risk sharing”. In 2011, the two sides re-innovated and launched the trust asset buyout business, which greatly reduced the financing cost of enterprises. In 2014, Bank of Beijing signed an agreement with the Beijing Municipal Science and Technology Commission to provide 100 billion yuan of intentional credit for Beijing science and technology enterprises in the next four years, and continue to explore and implement the “Technology Loan” series of cluster projects, and signed an agreement with the Zhongguancun Science Park Management Committee. In the next three years, we will provide 80 billion yuan of intentional credit to the Zhongguancun Demonstration Zone, and carry out industrial development, park construction, technology and financial innovation, industry and finance platform and credit system construction, “insurance and loan” financial integration services, and small and micro enterprises. Financing and other all-round cooperation.

Deeply plowing the fertile soil of Haidian and supporting the economic construction of the jurisdiction

For a long time, the Bank of China Zhongguancun Branch has insisted on serving the economy in the region and adhered to the commitment of “based on Haidian and serving the region”. It has cooperated with government agencies, colleges and universities and enterprise groups within its jurisdiction to become an important strategic partner for the sustainable development of Haidian District. Haidian District has established a superb financial brand and won wide recognition from the market and customers.

Financial support: Serve the construction of the “core area of ​​science and technology innovation center”. Since its establishment six years ago, the Bank of China Zhongguancun Branch has actively supported the development of Haidian District. It has won the bid for the centralized collection and payment of the treasury of Haidian District, and won several bids for the city-level treasury cash management commercial bank time deposit project. It has represented 329 budget units in the financial collection and payment business. , for 248 budget units to pay wages, to provide cash management services for the Haidian District Treasury funds. In 2016, Bank of Beijing signed a new round of agreement with Haidian District. In the next three years, it will provide 100 billion yuan of intentional strategic credit for Haidian District and its resident organizations, actively support the establishment and development of Haidian District Industrial Fund, and build a platform for integration of industry and finance. Registered investment subsidiaries in Haidian District, fully support Haidian to build the core area of ​​the National Science and Technology Innovation Center.

Caring for Education: Hand in hand to 70 colleges and universities to provide a package of services. For a long time, the Zhongguancun branch of the Bank of Beijing, which is located in the gathering area of ​​colleges and universities, has established close cooperative relations with various colleges and universities. In 1999, Bank of Beijing established the branch of Tsinghua University and became the first campus bank in the capital bank. Up to now, Bank of Beijing has cooperated with nearly 70 colleges and universities to provide personalized and packaged financial services including payment and settlement, cash management, on behalf of deduction, joint campus card, and personal financial business settlement of faculty and staff. . At the same time, donate and grant student loans to educational institutions such as Tsinghua University, Peking University, and Hope Engineering, and award teaching and scholarships to outstanding teachers and outstanding students. In 2016, the Bank of China Zhongguancun Branch distributed nearly 900 student loans to students from 9 colleges and universities such as Beijing Technology and Business University, Capital Normal University, Beijing Film Academy and China Conservatory of Music, amounting to nearly 6 million yuan.

Tailor-made: to create a personal "financial assistant" for enterprises and institutions. For a long time, the Bank of China Zhongguancun Branch insisted on “customer-centered, market-oriented, capital-based”. At the launching ceremony of the Zhongguancun M&A Fund in 2016, the bank invested RMB 1 billion as a parent fund custodian bank, and cooperated with listed companies to carry out various sub-fund establishments, fund allocations, supporting M&A loans, and private placements, and continued to deepen and Zhongguancun. Cooperation among leading companies in the region. At the same time, the bank and the Beijing Equity Exchange Center took the lead in cooperating to promote the private equity underwriting business of the stock exchange center, helping a group of enterprises to grow and develop, and ranked among the best in the industry. With the advantage of product service, Bank of Beijing Zhongguancun Branch continued to design structural financial product investment service plans for group companies, provide international settlement business and sub-trade financing services for corporate customers, and provide supply chain financing services for upstream and downstream enterprises of technology enterprises. Group customers provide cash management business applications and investment banking financing services. Up to now, the bank has provided over 600 million yuan of on- and off-balance sheet financing support for key infrastructure, parks, industrial bases, district-owned state-owned enterprises and small and medium-sized high-tech enterprises in the district, and is in the forefront of the Zhongguancun Demonstration Zone.

Heart and society

Building a Huimin Financial Service System

While the business is booming, the Bank of China Zhongguancun Branch always pays attention to social harmony and progress, and serves the society and people's livelihood and fulfills its social responsibilities throughout all aspects of business management, and continuously increases investment in the service areas, public facilities, and other public facilities. Promote people's livelihood projects, participate in various innovations in the field of people's livelihood, and form a unique Huimin financial service system.

Caring for the people: "Jing Yi Tong" plays the wonderful and beautiful music of Huimin. Beijing Bank Zhongguancun Branch actively cooperated with large hospitals to create a “smart health” brand, deepening the project of Huimin Convenience Project jointly sponsored by the Municipal Health Bureau and the Municipal Hospital Administration, “Jingyitong” project, supporting internal and municipal hospitals. The construction of the "Jingyitong" system was established, and more than 300 self-service machines were donated to Xiyuan Hospital, Beijing Shijitan Hospital, Peking University Cancer Hospital, Beijing Ditan Hospital, Beijing Geriatric Hospital and Beijing Huilongguan Hospital. "Project self-service equipment development and maintenance leasing, HIS system transformation and other comprehensive services. At the same time, the bank took the lead in completing the upgrade and transformation of the medical insurance system of the Century Hospital and the WeChat payment function. It successfully launched the “Jingyitong” system in Xiyuan Hospital, completed the full coverage of medical insurance and non-medical insurance, and became the “Internet + medical” development. Innovative measures have facilitated the treatment of the general public. At present, the number of “Jing Yi Tong” cards issued by branches has exceeded 1.45 million. In 2016, the Bank of China Zhongguancun Branch also signed an agreement with the Beijing Red Cross Blood Center to donate funds to support the Blood Center “Volunteer Blood Donation Volunteers Association”.

Smart Service: Set up the "highest technology" smart bank. With the advent of the network era and the popularity of electronic trading channels, customers' demands for financial services have gradually turned to high-quality, personalized service experiences. At the end of 2014, Bank of Beijing set up its first intelligent bank, and its address was chosen in China's highly innovative Zhongguancun area, becoming the first financial institution in the region to launch smart banking. Inside the Bank of Beijing Intelligent Bank, it has a personal credit inquiry machine, a remote teller service system, a small micro pre-credit platform that provides remote expert online services, a personal consumer loan platform that can be remotely approved online, an interactive intelligent wealth management terminal and a self-service financial multimedia terminal. It has created a number of “firsts” in the industry and is known as the “highest technology” smart bank. People and enterprises can complete a number of business such as credit inquiry, loan application, self-service card opening, wealth management purchase, credit card point redemption, etc., and experience the new experience of outlets under the Internet financial era. Since its inception, Bank of Beijing Smart Bank has received nearly 90,000 visits.

Dedicated to people's livelihood: 53 service outlets throughout Haidian. Since its establishment, the Bank of China Zhongguancun Branch has attached great importance to the construction of outlets in the blank area of ​​financial services in Haidian District, and has continuously increased investment in serving the community and new rural construction. It has been in Beiqing Road, Tiancun, Oak Bay, Hot Springs and Sujia. Branches have been set up in the areas of Bengbu, Wukesong, Dongsheng Science and Technology Park, Yuyuantan and Xicui Road. The number of service outlets has grown from 28 in 2000 to 53. More than 2,700 POS machines have been deployed in Haidian District, which greatly facilitated the region. The daily work and life of the people. At the same time, the bank actively carried out the “Community Service Public Welfare Bank” activities with different themes, actively participated in the construction of the community service system, effectively extended financial services, and continued to promote the popularization of financial knowledge for the community, and sent professional financial services to thousands of households. The bank and its sub-branches have been awarded the Best Commercial Service Award for Promoting Consumption in Zhongguancun, the “Qianjia” demonstration unit of national civilized normative service, the five-star business network of China's banking industry, and the demonstration network for bank financial consumer protection.

Six years of pioneering business, six years of determination to change. In the great era of reform and opening up, we set up a broad development platform for the Bank of China Zhongguancun Branch, and first tried the innovative passion to try to wave the distinctive technology finance banner for the Bank of China Zhongguancun Branch. Looking forward to the future, Bank of Beijing Zhongguancun Branch will adhere to the development mission of “Science and Technology Finance Innovation” and adhere to the development concept of “Innovation, Synergy, Green, Openness and Sharing” to provide more financial support for Haidian to build “the core area of ​​science and technology innovation center”. Enterprise development and people's lives provide more high-quality financial services, and strive to create a "technical and financial characteristic branch of investment and loan linkage", writing an innovative chapter of technology finance.