宁波银行深圳分行：以“五大金融”为引领，探索服务实体经济新路径

Core Insights - Shenzhen, known for its innovation-driven economy, is undergoing a new round of industrial upgrading and transformation, with financial institutions exploring differentiated development paths in response to national policies on various financial sectors [1] Group 1: Technology Finance - Ningbo Bank's Shenzhen branch has developed a comprehensive service platform called "Bobo Zhiliao" to support enterprises in overseas market expansion, integrating trade data from over 200 countries to assist import-export businesses [2] - The bank has introduced an "AI Foreign Trade Customer Acquisition" tool that automates the collection of overseas business contacts and sends business emails, potentially improving customer acquisition efficiency for small and medium-sized enterprises [2] - The platform has served over 10,000 enterprises in the Shenzhen area, reflecting the bank's transition from traditional credit services to technology-enabled solutions [4] Group 2: Green Finance - In alignment with the "dual carbon" goals, the bank offers "ESG and Dual Carbon Services," which include a carbon database and expert guidance to help companies manage carbon emissions and comply with EU carbon tax regulations, significantly reducing costs and time for businesses [6] - The bank's "Smart Water, Electricity, and Gas" service has benefited over 1,200 enterprises, saving approximately 167 million yuan in costs and reducing carbon emissions by 2.6 million tons [6] Group 3: Inclusive Finance - The bank has formed 19 specialized teams to address the financing challenges faced by small and micro enterprises, providing over 3.8 billion yuan in credit support to 528 such businesses [8] - As a pilot bank for the "Park Loan" initiative, the bank collaborates with innovation parks to offer tailored financial solutions for technology enterprises, demonstrating a commitment to integrating park resources and reducing customer acquisition costs [9] Group 4: Pension Finance - The bank is focusing on the elderly demographic by extending financial services into communities and schools, enhancing financial literacy and risk awareness among older adults [11] - Community activities, such as the "Bay Area Senior Model Competition," aim to engage the elderly while incorporating financial education, although there is room for further development in pension product innovation [11] Group 5: Digital Finance - The bank has conducted numerous workshops on financial digitalization, launching systems like "Kunpeng Treasury" and "Financial Manager" to provide enterprises with comprehensive fund management solutions, serving over 700 groups and 105 listed companies [13] - The integration of various financial management functions aims to streamline processes and reduce manual intervention, enhancing operational efficiency for businesses [15]