The tide rises from the Pearl River, and the majestic sea enters the sea. Guangdong Bank of China bravely stands at the forefront of the tide and deeply cultivates the "experimental field" of financial innovation-clevelanddrifters.com

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The tide rises from the Pearl River, and the majestic sea enters the sea. Guangdong Bank of China bravely stands at the forefront of the tide and deeply cultivates the "experimental field" of financial innovation

time：2023-03-24 01:00:24 source：clevelanddrifters.com author：Technology stocks

The tide rises from the Pearl River, and the majestic sea enters the sea. Guangdong Bank of China bravely stands at the forefront of the tide and deeply cultivates the "experimental field" of financial innovation

Reporter Huang Min is the majestic Pearl River, which flows into the sea. Moisturizing the land of Guangdong and witnessing the pioneering demonstration force of the Guangdong Pilot Free Trade Zone. It should be born from openness, and it thrives on openness. Since the 7th anniversary of the establishment of the Guangdong Pilot Free Trade Zone, the market players in the "experimental field" have accelerated to gather, and the innovation vitality has been bursting out, and the development has achieved many "fruitful results". The high-quality development of the Guangdong Pilot Free Trade Zone is inseparable from financial support. Bank of China Guangdong Branch has stood at the forefront, deeply cultivated the "experimental field" of financial innovation, and empowered the development of the Guangdong Pilot Free Trade Zone with financial "live water". As of the end of August 2022, the Hengqin Branch and Nansha Branch under its jurisdiction have handled nearly 20 billion US dollars in international settlements and over 180 billion yuan in cross-border RMB settlements. With the successive implementation of the "Overall Plan for the Construction of Hengqin Guangdong-Macao Deep Cooperation Zone" and "Guangzhou Nansha's Overall Plan for Deepening Guangdong-Hong Kong-Macao Comprehensive Cooperation Facing the World", BOC Guangdong will shoulder greater responsibilities and continue to strengthen the precision of the real economy. "Drip irrigation" contributes more "BOC power" to the construction of the Guangdong Pilot Free Trade Zone and the development of the Guangdong-Hong Kong-Macao Greater Bay Area. Exploring the path first, and breathing together with the Pilot Free Trade Zone, the Pearl River rises and rushes forward. As the source of institutional innovation and a new driving force for economic development, the Guangdong Pilot Free Trade Zone has accumulated 584 institutional innovation achievements and replicated and promoted 203 reform and innovation experiences in Guangdong Province. Adhering to the spirit of "dare to try and dare to try", BOC Guangdong has become a pioneer in Guangdong's reform and opening up, and has grown together with the development of the Guangdong Pilot Free Trade Zone. Businesses in various fields have been launched among financial institutions in the province. Hundreds of horses compete for the flow, and the one who strives is the first. Cross-border RMB business has always been an important engine for the financial reform of the Guangdong Free Trade Zone. As a bank of China born with the "mission" of a foreign exchange professional bank, the "gene" of "opening to the outside world" has long been integrated into its development blood, and it has become a link between Guangdong, Hong Kong, Macao and the sea. An indispensable financial "bridge" inside and outside. As the earliest commercial bank in Hengqin, Bank of China has taken the lead in carrying out cross-border RMB clearing business as early as 2014, realizing cross-border RMB capital inflow. After the establishment of the cooperation zone, Bank of China Hengqin Guangdong-Macao Deep Cooperation Zone Branch (referred to as "Hengqin Bank of China") seized the opportunity to promote the speed and quality of cross-border financial services, and has now become the largest cross-border account financing in the Bank of China system nationwide. The second-tier branches have lent a total of 18.3 billion yuan to overseas interbank financial institutions, of which 14.5 billion yuan have been lent to financial institutions in Macau. As of the end of August 2022, the cross-border RMB settlement volume and international settlement volume accounted for 29% and 12% of the total of Guangdong Bank of China, respectively, and the two businesses maintained the top market share in Hengqin and even in Zhuhai for a long time. As early as April 2015, when the Nansha Free Trade Zone was listed, BOC Guangdong established the "Bank of China Nansha Global Financial Service Base" for the first time to provide customers with financial solutions of "one-point access, global response, and comprehensive services". Relying on this, Nansha Bank of China has strengthened its close linkage with overseas institutions. In the past three years, it has handled more than 7 billion US dollars in international settlements and over 100 billion yuan in cross-border RMB settlements. Relying on the first-mover advantages of institutions in the Guangdong-Hong Kong-Macao Greater Bay Area and the FT system to strengthen linkage, open FT accounts for more than 170 enterprises, provide diversified financial services covering accounts, remittance, remittance, financing, etc. support. Energetically move forward, activate the innovation power of the Pilot Free Trade Zone and flow the Pearl River, and move forward with vigor. Through continuous institutional innovation and continuous creation of a business environment, the Guangdong Pilot Free Trade Zone has gathered one characteristic industry after another, and its global resource allocation capability has been continuously enhanced. In Nansha, the five leading industries of shipping and logistics, high-end manufacturing, financial business, technological innovation, and life and health are flourishing. In Hengqin, Australian-funded enterprises and science and technology enterprises have successively landed, making it more convenient for enterprises to work and live across borders. A pool of financial living water, surging innovation power. On the afternoon of September 14th, Bank of China Hengqin successfully held the special event "'Draw concentric circles, compose the music of Qin and Macao well' - BOC Science and Technology +", which will provide more than ten science and technology enterprises with credit lines exceeding 100 million yuan. At the event site, BOC Hengqin signed cooperation agreements with 6 companies including Upjian Times, Tengbai Pharmaceutical, Wesport Robotics, and Jiusong Technology. With the ability and advantage of the interconnection and efficient connection between BOCs in Qin and Macao, the Bank helped the Start-ups go to the capital market and increase the driving force for innovation to take off. In recent years, BOC Hengqin has supported innovation-driven development strategies with technological finance, promoted innovative products such as BOC's "Guangdong-Macao Shared Loan", "Guangdong Technology Enterprise Support Loan", "Online Financing E-Lending", and created a service "real economy + science and technology innovation". "Entrepreneurs, serving "innovation chain + industrial chain", serving "investment institutions + capital market" platform, providing comprehensive financial services for the entire chain of science and technology enterprises and scientific and technological talents in the cooperation zone. Among them, it innovatively launched the "Guangdong-Macao Shared Loan" product. Through the "sharing" method, the Bank of China Group opened up credit and financial services in Hengqin and Macau, and realized the linkage cooperation between the two places and the in-depth integration of inclusive finance, so as to realize the two markets. The "capital link, service link, financing link". As the bank with the largest volume of technology finance loans in Nansha District, as well as the bank with the largest pool of local technology credit risk funds and the largest inclusive loan balance, Nansha Bank of China currently has a coverage rate of 31.10% for inclusive loans to high-tech enterprises in Nansha. The corporate loan coverage rate is 36.76%, and the brand advantage of technology finance is second to none among Nansha banks. The major project of "siege the city and pull out the village" is the "ballast stone" and "propeller" of the development of the Guangdong Free Trade Zone. Guangdong Bank of China supports a number of key projects in the three major start-up areas in Nansha: such as the Huo Yingdong Research Institute of Hong Kong University of Science and Technology in Nansha Bay, Guangdong Aerospace Science and Technology Research Institute, Guangzhou Industrial Intelligence Research Institute, Guangdong Intelligent Unmanned System Research Institute and other projects; The Qingsheng hub area has landed in key projects such as Hong Kong Children's School and Sun Hung Kai Qingsheng TOD; in the Nansha hub area, it is already one of the main cooperative banks of key enterprises such as Nansha Wafer and Xinyue Energy, and it is also the construction of Nansha hub station building. A performance bond of RMB 920 million was issued. As one of the first four Guangdong-Hong Kong-Macao-Taiwan science and technology business incubators in Guangdong Province, the Guangdong-Macao Cooperation Traditional Chinese Medicine Technology Industrial Park has been on a large scale since the park's official "landing". Bank of China Hengqin has always provided financial assistance. BOC has become the most important cooperative bank in the park, and has established business contacts with more than 50% of the physical office enterprises in the park. Starting a new journey, bravely shouldering the new mission of the Pilot Free Trade Zone, taking on the magnificent blueprint, and inspiring people to forge ahead. Hengqin, located at the southern end of Zhuhai, has transformed from a frontier island into a hot island for development and an open frontier for more than ten years, and development achievements have been continuously presented. Located in Nansha, the “heart of the Bay Area” where the three rivers meet eastward and enter the sea, its strategic position has been continuously rising from a state-level new area, a pilot free trade zone, to a demonstration area for comprehensive cooperation between Guangdong, Hong Kong and Macao. Today, a series of major plans are unfolding in Hengqin and Nansha, and a new development blueprint is being drawn up. In this hot land carrying new missions, Bank of China Guangdong Branch closely follows the national development strategy, shoulders greater responsibilities, and deeply integrates into the surging upsurge of the construction of the Guangdong-Hong Kong-Macao Greater Bay Area with better and more efficient financial innovation services. . ——Bank of China Hengqin Guangdong-Macao Deep Cooperation Zone Branch Closely follow the construction plan of the cooperation zone, continue to strengthen the real economy service, make efforts in the asset business, increase reform and innovation, and unswervingly serve the moderate and diversified development of Macao's economy. Strengthen the bank Linkage, investment and loan linkage, for Hengqin’s leading high-tech, traditional Chinese medicine and biopharmaceutical enterprises, provide comprehensive support such as cross-border mergers and acquisitions, listing counseling, investment and loan linkage during the enterprise development period, laying the foundation for the subsequent business expansion of the listed enterprise. Solid foundation. · On the basis of serving the integration of people's livelihood in Qin and Macao in the early stage, continue to promote the implementation of the business of "facilitating the people, benefiting the people and benefiting the people", promoting the mutual credit recognition and information sharing of personal customers in Qin and Macao, and providing Macao residents in the cooperation zone with integrated supporting products of Qin and Macao. Meet the financial needs of investment, consumption, house purchase, car purchase, insurance, etc. ——Bank of China Guangdong Pilot Free Trade Zone Nansha Branch Focuses on "going out" enterprises, strengthens cross-border financial superior services, and provides comprehensive financial services covering cross-border settlement, financing, guarantee, overseas bond issuance, asset management, IPO, etc.; In Nansha District, green industries such as energy conservation and environmental protection, cleaner production, comprehensive utilization of resources, and renewable energy will increase the amount of green credit and promote the adjustment of the credit structure to green industries. ·Increase the service of the science and technology innovation industry, and provide diversified financing covering the whole life cycle for science and technology enterprises based on the three major scenarios of independent entrepreneurship, transformation of scientific and technological achievements, and collaborative innovation platform business incubation of many high-level science and technology innovation platforms in Nansha Free Trade Zone and comprehensive financial services; increase financing support for entrepreneurial youth, and rely on entrepreneurial guaranteed loans to provide loan support to qualified entrepreneurial youth. Configure smart counters that support the instant issuance of social security cards for Hong Kong, Macao and Taiwan residents, and continuously improve service efficiency; through the one-click card binding function, BOC card WeChat, Alipay and other fast payment can be realized, and exclusive special consumption scenarios are built to fully meet the reasonable consumption needs of Hong Kong and Macao residents.

(Responsible editor：Garbage)

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