Xi Niu Cai Jing·2025-04-10 04:09Core Viewpoint - Zhengzhou Bank has consistently focused on serving the local economy, small and micro enterprises, and urban and rural residents, significantly increasing its credit issuance to support high-quality development of the real economy [3][4]. Group 1: Credit Growth and Structure - As of the end of 2024, Zhengzhou Bank's total loans and advances reached 387.69 billion yuan, a year-on-year increase of 7.51%, surpassing the average growth rate of financial institutions in the province by 0.74 percentage points [3][5]. - The bank's corporate loans (excluding bill discounting) amounted to 268.94 billion yuan, growing by 6.11% year-on-year, while personal loans reached 90.96 billion yuan, increasing by 8.09% [4]. - Corporate loans accounted for 69.37% of total loans, reflecting a stable proportion and enhanced support for enterprise financing [4]. Group 2: Support for the Real Economy - Zhengzhou Bank has aligned its credit resource allocation with national development strategies, focusing on key sectors and weak links in the real economy [4][6]. - The bank has increased support for advanced manufacturing, launching specialized credit products and optimizing loan approval processes for sectors like smart manufacturing and green manufacturing [7]. - The bank has enhanced financial services for small and micro enterprises by innovating its product offerings and improving approval processes, thus increasing loan accessibility [8]. Group 3: Rural and Agricultural Support - In line with the rural revitalization strategy, Zhengzhou Bank has intensified support for agriculture, providing comprehensive financial services to agricultural enterprises and cooperatives [9]. - The bank has introduced specialized loan products for agricultural modernization, including unique offerings like "Chili Loan" to support rural development [9]. Group 4: Consumer Financing - Zhengzhou Bank has optimized its personal loan product system to meet diverse consumer financing needs, launching flexible loan solutions for housing mortgages and consumer finance [10]. Group 5: Risk Management - The bank has maintained a focus on prudent operations and risk prevention, ensuring stable credit asset quality through big data applications and enhanced credit management processes [11]. Group 6: Future Outlook - Looking ahead, Zhengzhou Bank aims to continue enhancing its financial services for the real economy, optimizing credit resource allocation, and advancing towards digital and intelligent credit business models [12][13].