Jincheng Bank: Learn and implement the spirit of the Central Financial Work Conference and leverage the advantages of digital technology to serve small, medium and micro enterprises
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Recently, the Jincheng Bank Party Committee held a special study meeting to convey and learn the spirit of the Central Financial Work Conference, and unify thoughts and actions to the central government’s requirements and decisions and arrangements for the development of our country’s financial industry. At the same time, in order to implement the spirit of the meeting, Jincheng Bank combined its advantages in digital technology to strengthen cooperation with mainstream banks such as China Minsheng Bank in the direction of digital services for small, medium and micro enterprises.
The Central Financial Work Conference held at the end of October pointed out that it is necessary to “optimize the capital supply structure and use more financial resources to promote technological innovation, advanced manufacturing, green development and small, medium and micro enterprises”, “revitalize the financial resources that are inefficiently occupied, and improve Efficiency in the use of funds. Do five major articles on technology finance, green finance, inclusive finance, pension finance, and digital finance.”
Jincheng BankIn 2015, the “Centennial Hometown Reopened” in Tianjin. In August 2020, Jincheng Bank introduced 360 Company as its largest shareholder. After the equity was greatly optimized, Xinjincheng started from the top-level design to consolidate the corporate governance system, improve the corporate governance efficiency, and steadily clear out the remaining risks. After three years of hard work, it basically shed the historical baggage and went into battle lightly; on the other hand, In response to the policy call, combined with its own endowments, it positioned itself as a digital technology bank, focused on serving the real economy, and completed digital transformation and upgrading in a solid and efficient manner. After three years of hard work, it has embarked on a high-quality journey of “differentiated positioning and characteristic operations” road to development.
fromJudging from the operating performance in 2022, Xinjincheng’s revenue and net profit increased year-on-year, both ranking first in the industry, and indicators and performance such as asset size and asset quality have also jumped to the first echelon in the industry. Behind the rebirth of the phoenix is the result of Xinjincheng’s keeping integrity and innovation for development, pursuing performance with justice and profit, and conducting business steadily and prudently. In the past three years, Xinjincheng has attracted a group of top talents and teams in the industry through institutional innovation and unlimited investment in “online operations and digital services” to “strengthen the stronghold and fight dull battles”, from the basic core level to At the application service layer, we have developed a digital technology chassis across the entire stack and chain, and at the same time, we have independently built digital risk control capabilities from scratch.
After possessing the two core capabilities of digital banks, solid digital technology and robust digital risk control, Xinjincheng focuses onThe various capabilities and practices of the core strategy of “digital services for the real economy” – asset creation, online services, user operations, and industry cooperation – have been gradually developed and continuously improved.It is worth mentioning that Jincheng BankJinqidai, a fully online, all-customer, all-real-time digital credit product for small, medium and micro enterprises, has had more than two years since its launch.With 1.6 million registered users and a total of more than 150 billion yuan in loans, it not only solidly supports the real economy and helps small, medium and micro enterprises survive the test of the epidemic cycle, it has also become a hot product in this field on the market.
It is precisely because of these performances that this yearIn September, Jincheng Bank won a global award established by the International Finance Corporation (IFC), a subsidiary of the World Bank, to commend financial institutions for their achievements in serving small, medium and micro enterprises. Jincheng Bank has thus become the third digital bank in China to win this honor after MYbank and WeBank.
By studying the spirit of the Central Financial Work Conference, Jincheng Bank realized that in the past three years, it hasThe exploration and development on the road of “digital services for the real economy” are precisely based on the implementation of the major articles of “Technology Finance”, “Inclusive Finance” and “Digital Finance”, which further strengthens the determination to serve small, medium and micro enterprises well and serve them well. The confidence in “Going Global” and the “One Belt and One Road” construction has built consensus and accumulated strength, making steady progress towards the goal of building a “world-leading digital bank” and contributing Jincheng’s strength to the “financial power”.
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