御风以翔，破浪以飏。"十四五"规划期间，恒丰银行牢牢把握高质量发展这个首要任务，聚焦主责主 业，深耕产业沃土，激发创新动能，以金融服务创新赋能千行百业转型升级、积厚成势。 今年以来，恒丰银行锚定"1443"目标定位，深入落实"1476"转型发展策略，全力推进"五大攻坚战"，服 务本土加速跑，攀高逐新竞一流。截至年中，恒丰银行资产规模达到1.56万亿元，实现营收140亿元、 净利润30亿元，连续两年保持营收、利润"双增"，不良贷款率降至1.47%，全行呈现稳健向好、进中提 质的发展态势。 聚链向新 助力传统产业挺进新赛道 一辆汽车需要多少零部件？ 答案是：上万个。 上万个零部件，背后是一个完备的产业体系。汽车零部件产业，是聊城经济发展的一大支柱。山东省政 府工作报告提出，大力推进新型工业化，实施产业链高质量发展行动。恒丰银行积极贯彻落实省委、省 政府工作部署，聚焦固链强群，为传统产业发展注入金融新动力。 清晨曙光初露，在位于聊城市的山东骏程金属科技有限公司园区外，满载货物的大货车排起了长队，一 派热火朝天的景象。 "感谢恒丰银行给我们的1500万元授信支持，让我们建起新生产线，减少了工时，提高了效率，接下更 多 ...

Core Viewpoint - Hengfeng Bank, as the only national joint-stock commercial bank headquartered in Shandong, is deeply integrated into national and regional development strategies, focusing on the "10+1" key industry direction and enhancing financial services to support high-quality regional economic development [1] Group 1: Port Economy - Hengfeng Bank Qingdao Branch has established a collaborative service model of "Bank + Platform + Core Enterprises" to integrate financial services with the port industry chain, recognizing the interconnected nature of port economies [2] - The bank has provided comprehensive financing of 20 billion yuan and a financing balance of 5 billion yuan, serving 22 coastal port trade chains and nearly 40 member enterprises and upstream and downstream customers of the Shandong Port Group [3] Group 2: Cross-Border Trade - The bank leverages its transaction banking cross-border product advantages to create a financial bridge for enterprises, facilitating global resource allocation [4] - It has successfully provided 1.74 billion yuan in transaction banking business for a leading paper company, addressing its overseas financing challenges through cross-border guarantee services [4] Group 3: Innovative Financial Solutions - Hengfeng Bank has introduced a "separated letter of guarantee" mechanism, successfully implementing a 50 million yuan warehouse performance guarantee business, which releases liquidity for enterprises engaged in bulk commodity trading [5] - The bank aims to enhance its product offerings and innovate service models to support the development of a modern marine economy in Shandong [6]

Core Viewpoint - Hengfeng Bank focuses on supporting rural revitalization and enhancing financial services for agricultural entities, aiming to ensure food security and promote local economic development [1][2][4][5]. Group 1: Financial Support for Agriculture - Hengfeng Bank prioritizes financial services for grain production, storage, and circulation, implementing innovative supply chain financing to ensure smooth funding along the grain industry chain [2]. - The bank provided nearly 14 million yuan in financing to Henan Xingluo Grain Industry Group to alleviate short-term liquidity pressure and stabilize grain reserves in the region [4]. - In Anhui, the bank supported a local grain logistics company with a 10 million yuan credit line to facilitate market-oriented grain purchases during the autumn harvest [4]. Group 2: Agricultural Production Stability - Hengfeng Bank issued a 198 million yuan medium-term loan to a global agrochemical company to ensure the stable supply of agricultural production materials [5]. - The bank facilitated 9.54 million yuan in loans to upstream suppliers, addressing financing challenges for small suppliers in the agricultural sector [5]. Group 3: Empowering Local Industries - The bank implements targeted financial services for local specialty industries, enhancing the vitality of rural industries through chain-based financial support [6]. - In Shandong, the bank provided tailored financing solutions to support the meat processing industry, including a 10 million yuan loan for equipment upgrades and product development [8]. Group 4: Supporting E-commerce and Cultural Promotion - Hengfeng Bank has supported the booming e-commerce sector in rural areas, providing nearly 30 million yuan in loans to local clothing companies in Cao County, which has become a major hub for Hanfu production [10]. - The bank promotes traditional culture through events like "Hanfu Show Year," enhancing the visibility of local cultural heritage [10]. Group 5: New Business Models and Financial Innovation - The bank extends its financial services to new industries and business models, including rural tourism and ecological agriculture, to help farmers diversify income sources [11]. - In Jiangsu, the bank introduced a batch credit model for collective economic organizations, providing 60 million yuan in credit to support local tomato farming initiatives [13]. Group 6: Comprehensive Financial Services - Hengfeng Bank has issued over 348 million yuan in supply chain financing to Guangdong Haida Group, supporting its partners' financing needs and contributing to rural revitalization [14]. - The bank continues to innovate products and enhance service levels to ensure sustainable financial support for rural development [14].

Core Viewpoint - The Yangtze River Economic Belt is experiencing high-quality development, with Hengfeng Bank actively integrating into its construction by providing innovative financial services to enhance the vitality of port economies along the river [1] Group 1: Financial Services and Collaboration - Hengfeng Bank has established a deep cooperation with Hubei Port Group's "E Port Connection" platform, utilizing the "Hengyin E Chain" digital supply chain product to provide rapid financing to upstream suppliers, thereby alleviating financing pressures for small and medium-sized enterprises [4][2] - The bank's collaboration with Hubei Port Group aligns with its mission to serve the real economy and optimize the industrial chain ecosystem, enhancing the efficiency of capital flow and accelerating the expansion of intermodal transport services [4][2] Group 2: Green Finance and Port Upgrades - Hengfeng Bank is facilitating the transformation of traditional ports into low-carbon benchmarks, particularly at Jiangyin Port, by providing tailored financial solutions for upgrading shore power systems and energy-saving technologies [6] - The bank has established a leadership group to address financing and settlement pain points for port enterprises, promoting a collaborative service model that enhances financing channels and reduces costs [6] Group 3: Innovation in Financing - The establishment of Sichuan Port Investment Group has consolidated port resources in the region, and Hengfeng Bank has responded by designing innovative financing solutions to meet the operational funding needs of the new group [7] - The bank's provision of a 100 million yuan working capital loan has alleviated financial pressures for the newly formed group, contributing to the integration of Sichuan's port economy into the national water transport network [7] Group 4: Future Directions - Hengfeng Bank aims to deepen its financial service innovations focusing on the port economy, supporting both traditional ports in their low-carbon transitions and smart ports in their digital upgrades [8] - The continuous flow of financial resources is expected to invigorate the port clusters along the Yangtze River Economic Belt, enhancing their role as a vital artery for driving high-quality economic development in China [8]

Core Viewpoint - Technological innovation is becoming the core engine driving high-quality development in Shandong Province, with Hengfeng Bank's Jinan branch focusing on the financial needs of technology enterprises throughout their lifecycle [1][2]. Group 1: Financial Innovation and Services - Hengfeng Bank is actively exploring effective paths for deep integration of financial and technological innovation, supporting the construction of a strong manufacturing province [2]. - The Jinan branch has established a mixed team to provide comprehensive services combining financing and intelligence, introducing products like "Kechuang Loan" that utilize intellectual property pledges and government risk compensation [2][3]. - The bank has upgraded its digital financial services, integrating IoT and big data technologies into its risk control systems, allowing technology companies to secure financing based on technology transaction data rather than traditional collateral [2][3]. Group 2: Customized Financial Solutions - Hengfeng Bank has opened a "green channel" for financing "hardcore" innovations, providing timely financial support to high-precision machinery manufacturers, which has alleviated their funding pressures and increased production capacity by 30% [4]. - The bank's customized financial services have effectively addressed the urgent funding needs of a pharmaceutical company, providing 300 million yuan to support their operations and future expansion plans [5]. - A "no repayment renewal loan" scheme has been implemented to assist a specialized oil technology company in overcoming short-term cash flow challenges, ensuring seamless transitions between old and new loans [6][7]. Group 3: Commitment to Technological Financial Development - Hengfeng Bank is committed to enhancing its responsibility in developing technology finance, offering customized credit products and personalized "financing + intelligence" services to support enterprise growth [7][8].