Bohai Bank focuses on the development needs of the real economy and adds “golden momentum” to make a good start
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At the beginning of 2024, the financial management department sent multiple policy “gift packages” to promote the development and growth of the private economy – the People’s Bank of China decided to lower the re-loan and re-discount rates to support agriculture and small businesses by 0.25 points starting from January 25. percentage points; the deposit reserve ratio was lowered by 0.5 percentage points on February 5; the “2024 State Council Government Work Report” also repeatedly emphasized the comprehensive implementation of opinions and supporting measures to promote the development and growth of the private economy.
Implementing relevant financial policies and measures to support the private economy and improving the quality and efficiency of financial services to the real economy will be the next focus of banking financial institutions.As a state-owned financial institutionAs a “new force”, Bohai Bank Co., Ltd. (hereinafter referred to as “Bohai Bank”) deeply understands that the private economy is an important force in promoting high-quality development in my country, actively launches various measures to help revitalize the private economy, and firmly upgrades financial services around serving the real economy. , and strive to promote high-quality development.
Comprehensive upgrade of products and services Accurately adapt to diverse needs
Comprehensive and diversified, Bohai Bank currently serves the real economy, especially its responsibilities in the real economy.The style label for small and medium-sized enterprises in the role of “capillary”.
Since 2024, Bohai Bank has actively promoted the promotion and implementation of the State Grid Electricity Charge Certificate and Southern Grid Electricity Charge Certificate businesses in Tianjin, Hefei, Nanchang, Guiyang, Haikou and other places, helping the real economy to use electricity worry-free and practicing the green supply chain service concept . In January this year alone, the bank’s total non-interest income from transaction banking reached 156 million yuan; of which, domestic certificate income was 55.0576 million yuan, with a cumulative investment amount of 16.438 billion yuan, and forfaiting business was 10.071 billion yuan, both exceeding the 10 billion mark.
At the same time, in terms of optimizing supply chain and cash flow management, Bohai Bank has newly iteratively upgraded two major products.“Boyin Global Express” and “Boyin Sea Pool” efficiently smoothen corporate capital liquidity and nourish the innovation and vitality of private enterprises with financial water.
A knock-on product for the bank’s international business“Boyin Global Express” will be updated to version 4.0 in 2023, with a new online exchange collection prediction function. According to reports, this function not only provides foreign trade export companies with real-time forecasts of remittance receipts, but also provides comprehensive information on core remittance data. Companies can clearly understand the source and specific situation of the payment, which helps companies better understand the flow of funds. , plan funds more accurately, avoid the risk of exchange rate fluctuations, and greatly improve the efficiency of corporate capital management. Especially when the “Foreign Exchange Collection Prediction” is combined with the “SMS Notification”, “Transparent Showcase”, “100 Coins” and other services covered by previous products, the information at both ends of cross-border receipt and payment can be visualized and provided to the customers in a standardized way. Corporate customers are provided with an end-to-end view of cross-border payment flows, and timely and complete presentation of the tracking and inquiry of the entire chain of capital information not only brings a new payment experience to enterprises, but also effectively helps foreign trade companies achieve efficient and convenient cross-border transactions. Remittance business. “Boyin Global Express” drove international settlement business volume of US$54.971 billion in 2023, and added 833 new international settlement customers.
Since the beginning of 2024, “Boyin Global Express” has continued to exert the effect of attracting customers in batches, continuing the fee reduction and exemption in 2023, and empowering the real economy with finance. According to reports, a private enterprise in Beijing that engages in cross-border technical services has high requirements for the timeliness of capital flows and information. After learning that Bohai Bank’s “Bohai Bank Global Express” launched the “Foreign Exchange Collection Prediction” function, the bank The foreign exchange of US$5 million was collected and paid into the account on the same day. In January 2024 alone, “Boyin Global Express” has served more than 288 customers, generated 1,010 transactions per month, and achieved a business volume equivalent to approximately RMB 24.254 billion.
Another product of Bohai Bank“Boyinhai Nachi” will also be fully upgraded at the end of 2023, focusing on customer asset liquidity management needs, becoming more in line with the market, better understanding of customers, and paying more attention to services, helping companies achieve both liquidity and profitability.
step intoIn 2024, the “Boyinhai Nachi” product has served more than 10 large, medium and small companies in different industries such as steel, chemicals, medicine, advanced manufacturing, new energy and other industries, and the cumulative amount of financing services provided has exceeded 1.3 billion yuan. Especially in Tianjin, Bohai Bank helped a municipal pharmaceutical company in the city to solve the mismatch problem of the amount, period and type of current assets and external payments through its Hainachi business, avoid the realization costs of existing assets, and impose strict payment conditions. This transformed into an increase in revenue of nearly 100,000 yuan, empowering the company’s financial performance.
mind“The great one in the country”Bohai BankFirmly grasp that the private economy is an important foundation for my country’s economic and social development.and willContinue to strengthen policies, resources, and institutional guarantees for private enterprises,with more force“Combined boxing” solves the financing congestion and difficulties of focusing on private enterprises and promotes the full burst of creative vitality of the private economy.
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