Industrial Bank helps Ashi Chuang grow into a national-level "specialized, refined and innovative" enterprise.

Industrial Bank's satellite remote sensing application system solves the financing problem of tea companies.

Industrial Bank helps Fujian Enshi New Materials Technology Co., Ltd. build a green textile industry chain.

Industrial Bank helps Haichen Energy Storage develop rapidly.

Industrial Bank landed the province's first carbon footprint-linked loan for Fujian Yuneng Electric Power Complete Equipment Co., Ltd.

Industrial Bank helps Jomoo Group's intelligent transformation, quality improvement and efficiency increase.

A year's plan begins in spring! Walking in Fujian, intelligent production lines are running at full capacity, and container ships loaded with goods are busy in and out of the port...Private enterprises are pulling their bows and rushing forward, seeking change towards "newness", moving towards "greenness", and striving to achieve a "good start".

A strong private economy means a strong Fujian economy. Last year, Fujian Province was the first in China to propose the implementation of a new era private economy strong province strategy. Industrial Bank has its roots in Fujian. It has always regarded serving Fujian's private economy as a major political task and a major development opportunity. It has always adhered to the "two unshakable" principles, inherited and carried forward the "Jinjiang Experience", and quickly formulated the "Industrial Bank's Strategic Action Plan for Serving Fujian's New Era Private Economy to Strengthen the Province", which has widely attracted financial vitality for the high-quality development of Fujian's private economy.

"At present, we have provided nearly 160 billion yuan of financing balance to more than 120,000 private enterprises in Fujian Province, and continue to optimize and improve the "six special" mechanisms of special authorization, special approval, special products, special assessment, special team, and special bad tolerance for serving private small and medium-sized enterprises, strengthen assessment incentives, implement due diligence exemption, stimulate the endogenous motivation of serving the private economy, and bravely serve as the main force and vanguard of the financial service for the development of Fujian's private economy." A relevant person in charge of Industrial Bank said.

Improve science and technology finance to support the private economy to climb "high" to "new"

Entering the world's first 5G smart toilet factory built by Quanzhou Kemu Intelligent, what comes into view is the efficient operation of robots and various types of mechanical arms, which operate intelligently throughout the entire process under 5G networking, and automatically detect and control product quality.

Kemu Intelligent is a smart toilet manufacturer under the Jomoo Group. From hardware and building materials to China's largest sanitary ware company, and then to the comprehensive promotion of digital transformation, the transformation and development of Jomoo Group cannot be separated from the strong support of Industrial Bank. Since 2023, Industrial Bank Quanzhou Branch has provided nearly 100 million yuan in technology innovation fund loans to Jomoo Group and its subsidiary Kemu Intelligent and other companies to promote enterprises to improve quality and efficiency and accelerate transformation.

In the birthplace of Jinjiang experience, Anta has been focusing on industry, continuously increasing investment in scientific and technological research and development, and transforming from a family workshop-style private enterprise to a global sporting goods group. Growing up with Anta, Industrial Bank started with sporadic settlement in 2005. According to the needs of enterprises at different stages of development, it took advantage of the "commercial bank + investment bank" to tailor diversified financial service solutions for Anta Group, helping it to acquire Arc'teryx's parent company, Finnish sporting goods company Amer Sports, and helping it maintain its leading position in the fierce global market competition.

Private enterprises are the main force to accelerate the formation of new quality productivity, and the key to forming new quality productivity lies in scientific and technological innovation. "Aiming at building a high-level innovative province, we focus on the difficulties and pain points of innovation of private enterprises in Fujian, carry out commercial investment at the same time, and continuously improve the comprehensive service system of science and technology innovation finance covering the entire life cycle, unblock the capital chain, activate the innovation chain, and promote private enterprises to accelerate the formation of new quality productivity." A relevant person in charge of Industrial Bank said.

Ashi Innovation Materials Co., Ltd., located in Changle District, Fuzhou, has long been focusing on the needs of the PVD coating industry and has overcome a number of key technical problems that "choke the neck". To serve scientific and technological innovation, it is necessary to invest early and invest in small. As early as 2012, the Fuzhou Branch of Industrial Bank granted it a credit line of 13.75 million yuan, opening the way for the two to grow together. Over the past 10 years, the credit line of Industrial Bank to Ashi Innovative Materials Company has increased year by year, and the business cooperation has developed to cover diversified financing products such as project loans and financing for Fujian Province's technical transformation projects.

Today, Ashi Innovative Materials Company has become a national-level "specialized, refined, and innovative" enterprise. Among the many private small and medium-sized enterprises, how does Industrial Bank "identify talents with wisdom" and let "small guys" grow into "towering trees"? "We have launched the "technical flow" evaluation system to accurately portray the technological innovation capabilities of enterprises." A relevant person in charge of Industrial Bank introduced that relying on the "technical flow" evaluation system, Industrial Bank can effectively quantify and identify and evaluate the technological innovation capabilities of private enterprises, and transform the "soft power" of enterprise technology into "hard currency" for financing. As of the end of February, Industrial Bank's provincial branches have provided more than 58 billion yuan in financing through the "technical flow" evaluation system.

In addition, Industrial Bank has made full use of policy dividends to create a good financing environment for the innovative development of private enterprises. In January this year, Fujian Province launched the first phase of special funds loans for specialized, sophisticated and new small and medium-sized enterprises, and provided loan interest subsidies to qualified enterprises. After the policy was launched, Industrial Bank immediately issued the "Notice on Accelerating the Promotion of Special Fund Loans for Specialized, Specialized and New Small and Medium-sized Enterprises in Fujian Province", and deployed branches in the province to make good use of special policies. In less than a month, a total of 47 enterprises were provided with special policy loans of more than 600 million yuan, ranking first among peer financial institutions, accounting for more than 20% of the province.

Deepen green finance to accelerate the green transformation of private enterprises

Mineral water bottles, beverage bottles, these common plastic products in life, can become raw materials for making recycled fibers after recycling, cleaning and reprocessing-the green textile industry chain of Fujian Enshi New Materials Technology Co., Ltd. is eye-catching. It is estimated that for every ton of recycled polyester produced, 40,000 to 50,000 discarded polyester bottles can be recycled.

According to the person in charge of Fujian Enshi New Materials Technology Co., Ltd., with the financial support of the Quanzhou Branch of Industrial Bank, the company's production base was quickly built and put into production in October 2020. Subsequently, the Quanzhou Branch of Industrial Bank issued a green loan of 300 million yuan to help it complete its technological transformation. With the support of Industrial Bank's green financing, Fujian Enshi New Materials Technology Co., Ltd. established a waste polyester material recycling system in the upstream to ensure the supply of raw materials, and introduced international cutting-edge equipment in the production and processing links to achieve purification and granulation, and finally made high-quality and differentiated recycled polyester, building a complete green textile industry chain.

Green is a bright business card of Fujian and the background color of the development of Fujian's private economy. Rooted in ecological Fujian, Industrial Bank took the lead in exploring green finance in China, and took Fujian as the main battlefield and demonstration field for the innovative development of green finance. Focusing on green production, ecological industrialization, clean energy, and low-carbon life, it innovated green financial products and services, and promoted the comprehensive green and low-carbon transformation of private enterprises through "financing + integration of wisdom", and accelerated the cultivation of new momentum and new advantages for green development.

"This innovative loan designed by Industrial Bank can set the loan interest rate basis points according to our carbon emissions. If we can effectively reduce carbon emissions to a predetermined level within a certain period of time, we can reduce the loan interest rate, which not only saves our financing costs, but also helps the green and low-carbon transformation." The relevant person in charge of Fujian Yuneng Electric Power Equipment Co., Ltd. said happily.

It is understood that the innovative loan mentioned by the enterprise is the first carbon footprint-linked loan in the province that Industrial Bank has innovatively landed in Ningde. The company has focused on the manufacturing of smart grid products for many years and has established a full-process carbon verification mechanism from raw material procurement, production, finished product packaging, and transportation, and has obtained the "Product Carbon Footprint Verification Report" and "Product Carbon Footprint Certificate" issued by the China Quality Certification Center. Industrial Bank Ningde Branch took the initiative to promote the carbon footprint-linked loan to it, so that the company's carbon reduction behavior can also be "discounted" and bring tangible benefits.

On the one hand, we will focus on the green transformation and upgrading of traditional industries, and on the other hand, we will focus on the cultivation of strategic emerging industries such as new energy. Industrial Bank regards new energy and new energy vehicles as important new tracks, supports the development and growth of green emerging industries, and helps private enterprises answer the "must-answer questions" of green development. At present, it has provided financing balances of more than 12 billion yuan to new energy private enterprises in the province.

Energy storage is a key link in the transformation of new energy and electricity. Haichen Energy Storage Technology Co., Ltd., located in Tong'an, Xiamen, is a key project of tens of billions of yuan introduced by Xiamen City, a key project of Fujian Province, and a national high-tech enterprise. It focuses on the energy storage track and continues to innovate. It has become a "unicorn" enterprise in less than 4 years since its establishment. In order to seize the opportunity in the energy storage market, the company has accelerated the progress of project construction with higher standards and stricter requirements, and proposed to achieve mass production within one year. In order to help it achieve its rapid development goals, Industrial Bank took the initiative to provide it with the necessary funds. "Knowing that our liquidity demand is increasing, Industrial Bank actively cooperated and communicated efficiently, and completed the green loan certification application for us in a short period of time, greatly improving the financing efficiency." A person related to Haichen Energy Storage said.

In 2022, Haichen Energy Storage will invest in the construction of a second production base in Chongqing to build a new generation of energy storage lithium battery production base and R&D center. Industrial Bank Xiamen Branch took the initiative to provide 250 million yuan of syndicated financing loan services, and through the East-West Cooperation, linked the Chongqing Branch where the project is located to add 250 million yuan of credit. At present, the first phase of the project has been officially put into production.

With the green bank to beautify ecological Fujian, Industrial Bank also based on Fujian's ecological advantages, actively explored and innovated to launch "carbon emission reduction linked loans", "water saving loans", "carbon asset pledge loans", "emission rights mortgage/pledge loans", "forest rights mortgage loans" and other ecological financial innovation products, with capital flow as the driving force, to guide private small and micro enterprises to integrate into the green, low-carbon and circular development economic system. As of the end of February, the green financing balance of Industrial Bank's branches in Fujian Province exceeded 170 billion yuan, of which the green loan balance exceeded 83.7 billion yuan, and the cumulative issuance of carbon emission reduction loans was nearly 5 billion yuan, ranking first among financial institutions in Fujian Province.

Exploring digital finance to broaden financing channels for private enterprises

"I didn't expect that satellites would be used in loans from Industrial Bank. Not only are loans fast, but they can also monitor the growth of tea leaves." said a relevant person in charge of a private Tieguanyin tea company in Anxi, Quanzhou. Last year, it was through the "planting flow" model established by the Industrial Bank's satellite remote sensing application system that the company obtained a loan of 15 million yuan from the Industrial Bank's Quanzhou Branch. The timely financial "spring rain" solved the company's spring Tieguanyin storage fund needs.

It is reported that the Industrial Bank's satellite remote sensing application system introduces satellite remote sensing "new data" and combines industry and other multi-party data to explore the effective identification of crop types, planting areas, growth conditions, etc., establish crop planting portraits, and gradually improve crop asset assessment and risk warning mechanisms, providing scientific and technological support for accurate credit granting in the planting industry. At present, the Industrial Bank's Quanzhou Branch has provided nearly 60 million yuan in financing support for the Anxi tea industry based on the "planting flow" model.

It is difficult for private small and medium-sized enterprises to obtain financing, but information symmetry is not difficult. How to break through the bottleneck of information asymmetry? Industrial Bank fully releases the role of data as a key production factor. Under the leadership of the Fujian Provincial Party Committee and the Provincial Government, it has assisted in the construction and operation of Fujian's "Jinfu Cloud" platform since 2019, bringing together more than 4,400 data from 17 government departments such as taxation, industry and commerce, electricity, and environmental credit evaluation, and gradually building a new inclusive financial model of "data + policy + finance + ecology", turning data into credit, and credit into credit, so as to realize the financing of private, small and medium-sized enterprises "online, mobile, and immediate". Up to now, the platform has nearly 400,000 registered users, and has solved a total of more than 320 billion yuan in financing needs, of which Industrial Bank has provided more than 80 billion yuan in financing, and private enterprises accounted for more than 70% of the financing.

In recent years, Industrial Bank has followed the trend of digital development, actively integrated into the construction of Digital Fujian and Digital China, regarded digital transformation as a battle of life and death, implemented scientific and technological system reform, increased investment in scientific and technological resources, promoted the 10,000-person science and technology talent plan, continued to build platforms, set up scenarios, expand ecology, explore new models of digital financial services, and add new impetus to the high-quality development of the private economy.

In terms of products and services, Industrial Bank continues to enrich the online financing product system of "Xingsu Loan" covering four categories of credit, mortgage, guarantee, and supply chain around the two main lines of "offline products online" and "scenario digitalization", and fully meet the different needs of inclusive small and micro enterprises.

On the service platform, Industrial Bank is also actively building and operating the "Industrial Bank Inclusive" open service platform to provide comprehensive services covering "financial + non-financial" for small, medium and micro enterprises, individual industrial and commercial households, and small and micro business owners. At present, there are about 180,000 registered users on the "Industrial Bank Inclusive" platform, and the cumulative financing needs solved have exceeded 260 billion yuan.

Industrial parks are the main battlefield for the gathering of private enterprises, and are also the main battlefield for promoting the high-quality development of the private economy. Industrial Bank independently developed and launched the "Industrial Park Financial Ecological Service Platform". With the approach of "digital services first, financial services follow up", it has gradually formed a "non-financial + financial" park service system with the park ecological service platform as the starting point, extending services to corporate customers in the park. The platform currently serves more than 20 private enterprise parks in the province.

In the new era, new journey and new mission, under the leadership of the provincial party committee and government, Industrial Bank will anchor the strategic goal of strengthening the province's private economy in the new era, bravely take the lead and be in the forefront. It will implement the spirit of the Central Financial Work Conference into concrete actions, continue to increase financial supply, enhance financial service capabilities, and support the vast number of private enterprises in Fujian to boldly innovate, start businesses with confidence, and let go of creation, so that the private economy will become the pride of Fujian like green waters and green mountains!

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