As the first batch of joint-stock commercial banks in China, Industrial Bank came into being in line with the general trend of financial reform in China, shouldering the mission of "exploring the way for financial reform and making more contributions to economic construction", insisting on innovation first, and creating many firsts in China banking industry in many aspects. Take the lead in establishing the concept of sustainable development in corporate governance; In terms of system and mechanism, from the first batch of asset-liability management, five-level classification management of credit assets and capital constraint management to the first establishment of market-oriented research institutions and financial technology companies, every major reform and management innovation of domestic banks is at the forefront of the market.
As the main content of financial innovation, products and services are also the most direct embodiment of the core competitiveness of banks, and Industrial Bank has repeatedly made new moves in this regard, leading the trend. From interbank finance and green finance, to urbanization finance, inclusive finance, pension finance and technology and finance, we have always taken customer demand as the starting point, combined with changes in the situation and our own endowment, "adapting to changes and winning because of changes", opened up one new blue ocean after another, and formed core competitiveness in many market segments such as green finance, banking platform, bond underwriting, asset management, FICC, comfortable life and global life.
The expert group of the Organizing Committee of China Financial Innovation Forum said that Industrial Bank has been built into a modern comprehensive financial service group covering trust, leasing, wealth management, funds, futures, asset management, consumer finance, digital finance, research and consulting and other fields. Closely combined with its own strategy, it focused on financial technology innovation, accelerated diversified business development, enhanced comprehensive service capabilities, and made breakthroughs in many business and service fields, which played an important role in strategic landing and business development.
In recent years, Industrial Bank has further promoted the strategic transformation of "commercial bank+investment bank", promoted the transformation from scale bank to value bank, and achieved high-quality development. Facing the wave of scientific and technological innovation, relying on the foundation of financial electronicization and information construction accumulated for many years, the Bank continued to strengthen scientific and technological empowerment, increase investment in science and technology, deepen the integration of science and technology with business, promote revolutionary changes and subversive breakthroughs in concepts, structures and mechanisms, speed up the layout of eight fields, such as artificial intelligence, blockchain, cloud computing, big data and Internet of Things, and strive to build a "safe bank, process bank, open bank and smart bank".
According to reports, in order to establish an agile organizational form that matches the digital transformation, Industrial Bank further deepened the reform of the financial technology system and mechanism, set up a digital transformation office and a financial innovation fund, and made efforts to promote the integration of technology and business and business model innovation, further enhancing the customer experience and comprehensive financial services. On the one hand, strengthen scientific and technological guidance and operational support, launch innovative platforms such as "diversified finance", "golden cloud" and "financial service cloud", and provide "non-contact" services on the online cloud. On the other hand, we will deepen the scene expansion and ecological interconnection, and promote the open banks led by F-side, supported by B-side and G-side, and promoted by C-side to gradually blossom, forming an open ecology with characteristics such as Qian Da shopkeeper, Xingye housekeeper, driving finance, smart city, mobile banking and "Good Action" APP.
A good bank contributes to a better life. From fighting the epidemic to ensuring the stable employment of enterprises, from poverty alleviation to rural revitalization, to ecological protection and sustainable development, Industrial Bank adheres to the practical concept of "integration of righteousness and interests", organically combines the bank's business development with the fulfillment of social responsibilities, integrates the Group's superior resources and financial tools, and makes precise policies to help do the work of "six stabilities" and "six guarantees" and inject strong financial impetus into building a well-off society in an all-round way. In the first half of this year, the loans of inclusive private enterprises and small and micro enterprises increased by 7.2% and 65,438+00.70% respectively. At the same time, it lent more than 60 billion yuan to nearly 2,000 enterprises and nearly 200,000 individual customers, and reduced the handling fee by146.4 million yuan. A total of 2.54 trillion yuan of green financial financing was provided for 23,200 enterprises, fully supporting the battle to win pollution prevention and control; The combination of "blood transfusion" and "hematopoiesis" has enhanced the endogenous motivation in poor areas. The balance of agricultural loans was 436.8 billion yuan, up by 1 1.97% year-on-year. The total balance of accurate poverty alleviation loans is1445.2 billion yuan, which drives and serves about130,000 people in poverty-stricken areas.
China Financial Innovation Forum was initiated by Banker magazine and has been held for 13 consecutive times. The selection of "China Financial Innovation Award" adopts a combination of public voting and expert evaluation, which objectively reflects the evaluation of banks' financial innovation ability by the public and expert think tanks, and has high influence, credibility and authority.