沧州银行：以金融之力绘就高质量发展新画卷

Core Viewpoint - Cangzhou Bank has demonstrated resilience and vitality in its annual performance by adhering to its market positioning of serving local economies, small and medium-sized enterprises, and urban and rural residents amidst the complex economic and financial landscape of 2024 [1] Group 1: Support for Local Economy - Cangzhou Bank has integrated its development into the regional economic landscape, providing precise financial support to the real economy, with a total of 17.7 billion yuan in new loans by the end of 2024, marking an 11.32% increase from the beginning of the year, achieving a historical high in loan scale [2] - The bank has supported key projects in the Beijing-Tianjin-Hebei coordinated development area with nearly 20 billion yuan in loans, focusing on transportation integration and industrial transfer [2] - Cangzhou Bank has also provided over 25 billion yuan in loans for port area construction, enhancing port infrastructure and supporting the development of coastal economic cities [2] Group 2: Financial Innovations - In 2024, Cangzhou Bank provided 14 billion yuan in loans to specialized and innovative enterprises and nearly 30 billion yuan to high-tech companies, supporting over 900 technology-driven enterprises [4] - The bank's green finance initiatives have seen a remarkable growth rate of 235% in green loans, significantly exceeding the average loan growth rate, with funds directed towards clean energy and environmental protection projects [4] - Cangzhou Bank has introduced various loan products to support the agricultural sector, with 4.2 billion yuan in new agricultural loans and a decrease of 0.42 percentage points in average interest rates for agricultural loans [8] Group 3: Digital Transformation and Risk Management - Cangzhou Bank is advancing its digital transformation by enhancing mobile banking and smart community functions, achieving a 101% growth in online loans and serving over 5,000 customers [6] - The bank has implemented a risk management system called "Cangyin Fenghuotai" to enhance risk identification and monitoring, ensuring continuous assessment of credit risks [6] - The bank's commitment to green finance includes establishing a "green credit incentive fund" and promoting eco-friendly practices within its operations [6] Group 4: Future Outlook - Cangzhou Bank aims to continue its focus on serving the real economy and enhancing the well-being of residents, with a target of becoming a first-class urban commercial bank [8] - The bank's asset scale is approaching 300 billion yuan, and it has achieved its best-ever regulatory rating of level 4 from the central bank [8] - The bank plans to further strengthen its support for the real economy and improve financial risk prevention measures in the future [8]