中信银行杭州分行：而立之年再出发，擘画金融新篇章

Financial Performance and Market Position - The Hangzhou Branch of CITIC Bank has grown into a mainstream commercial bank with a comprehensive financing balance exceeding 1.2 trillion yuan, and both deposit and loan balances exceeding 500 billion yuan, ranking at the forefront in terms of scale, comprehensive financial service capabilities, asset quality, and regulatory ratings within the province and the CITIC Bank system [1] - The branch has been awarded multiple honors by the Zhejiang Provincial Government, including the "First Prize for Financial Support to Zhejiang's Economic and Social Development" [1] Support for Private Economy - The Hangzhou Branch has introduced the first "Action Plan to Support the Development of the Private Economy" within the system, proposing 30 comprehensive and targeted measures to enhance financial support for private enterprises [2] - The branch focuses on the characteristics and changes of private enterprises at different development stages, continuously optimizing its product system and enriching its credit product toolbox [9] - It provides annual new loan disbursements of 100 billion yuan to private enterprises and offers comprehensive financing exceeding 200 billion yuan through bonds, equity, and other means [18] Innovation and Technology Support - Zhejiang is the only province with two science and technology financial reform pilot zones, and the overall strength of its science and technology enterprises ranks among the top in the country [3] - As of November, the Hangzhou Branch's loan balance for technology-based enterprises exceeded 56 billion yuan, a 5.6% increase from the beginning of the year, ranking first within the system [5] - The branch has established the first Science and Technology Financial Center within CITIC Bank nationwide and set up 12 Science and Technology Pioneer Institutions and two specialized branches for science and technology [10] - It has launched localized "Scorecard" and "Talent Loan" products, specifically addressing the financial needs of early-stage, small, and new technology enterprises [12] Rural Revitalization and Common Prosperity - The branch actively explores the business model of comprehensive land improvement, successfully implementing the first comprehensive land improvement project within the system, setting a new benchmark for innovative financial services supporting rural revitalization [6] - It focuses on 26 mountainous counties, iterating and upgrading the "Common Prosperity Loan" financing model to further support rural revitalization [24] - The branch has introduced localized public wealth management products, such as the "Common Prosperity and Co-creation" series, extending support to 26 mountainous counties to enhance comprehensive financing and wealth management scale [7] Financial Innovation and Social Responsibility - The branch has innovatively introduced charitable wealth management products, donating excess returns to Zhejiang's charitable causes, achieving a balance between economic and social benefits [15] - It has pioneered charitable wealth management products in collaboration with CITIC Wealth Management and the Zhejiang Charity Federation, donating excess returns in the name of investors [26] - The branch has received multiple honors, including the "National Advanced Collective for Social Poverty Alleviation" and the "Outstanding Contribution Award for Chinese Charity" [27] Comprehensive Financial Services - The branch leverages its comprehensive financial advantages, including "finance + industry," "investment banking + commercial banking," and "domestic + international," to provide integrated financial services [18] - It has established a Science and Technology Financial Investment Alliance in Zhejiang, collaborating with key state-owned investment institutions and leading investment firms to serve technology enterprises and facilitate equity financing [5] - The branch has set up the CITIC West Science and Technology Corridor (Hangzhou) Equity Investment Fund, leveraging social capital to participate in the technological upgrading and expansion of regional technology enterprises [5] Historical Context and Future Outlook - CITIC Bank established its presence in Hangzhou in 1994, becoming one of the first joint-stock banks to enter Zhejiang Province [19] - The branch has been a leader in bond underwriting in Zhejiang for seven consecutive years, pioneering several benchmark projects in the bond market [20] - It continues to align with Zhejiang's high-quality economic development, contributing to the province's modernization and common prosperity goals [8][17]