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7000亿!郑州银行4000亿信贷精准助力区域经济
Sou Hu Cai Jing· 2025-07-27 03:00
作为地方金融的主力军,郑州银行始终坚守服务地方经济的初心使命,将自身发展深度融入地方经济社 会发展大局。2025年以来,无论是一季度的稳健增长,还是上半年的持续发力,郑州银行都以扎实的业 绩和精准的金融服务,彰显着金融机构的社会担当,为地方经济高质量发展注入了强劲动力。 规模与质效双提升,筑牢服务地方经济根基 聚焦创新与民生,拓宽服务地方维度 在科技创新领域,郑州银行持续做深"科技金融大文章"。不仅在郑州西、北、南三个大学城及经开区新 挂牌4家科技特色支行,配置"懂技术、懂产业、懂金融"的专业团队,还与河南省郑洛新国投双创基 金、嵩山实验室等探索"银基联动""银研联动"模式,成为首批"郑科贷"业务合作金融机构。同时,深度 融入"两城一谷"战略布局,支持北理工郑州研究院等项目,重点扶持芯片设计、低空经济等领域科技企 业,2024年末科创金融贷款余额达482.69亿元,增速高达44.50%,为区域科技创新注入了金融"活水"。 业绩的稳健增长是服务能力的有力证明。一季度,郑州银行实现营业收入34.75亿元,同比增长2.22%; 归属于本行股东的净利润10.16亿元,同比增长4.98%,在复杂的经济环境中保持了良好的 ...
郑州银行:深度践行使命担当,以科技金融赋能新质生产力发展
Zhong Guo Ji Jin Bao· 2025-05-28 04:21
Core Viewpoint - Zhengzhou Bank is committed to serving the local economy and supporting private enterprises, with a focus on enhancing financial services to empower the development of the real economy, as evidenced by an increase in private enterprise loan accounts to 70,287, up by 1,644 year-on-year by the end of December 2024 [1] Group 1: Strategic Focus - Zhengzhou Bank integrates its development into the local economic framework, aligning with regional strategic planning to address the financial needs of the real economy and improve the welfare of residents [2] - The bank has expanded its coordination mechanism for real estate financing, supporting 40 "white list" projects across 11 cities to meet reasonable financing demands in the real estate sector [2] - The bank emphasizes the "five major articles" of finance, enhancing management through a checklist approach to support key projects like the Zhongyuan Science and Technology City Intelligent Technology Industrial Park [2] Group 2: Support for Small and Micro Enterprises - To better empower the development of small and micro enterprises, Zhengzhou Bank established a financing coordination mechanism led by its chairman, ensuring effective communication and implementation of support measures [3] - The bank has launched 12 financial products, including various loans tailored for small and micro enterprises, and streamlined approval processes to ensure timely access to financing [3] Group 3: Innovation in Technology Finance - Zhengzhou Bank focuses on technology finance as a key driver for high-quality economic development, offering customized financial products for tech enterprises and research institutions [4] - The bank has introduced innovative products such as "R&D Loans" and established a "Investment-Loan Linkage" business model to support technology-driven companies [4] - A comprehensive evaluation system for technology innovation capabilities has been developed to assist in identifying and assessing tech enterprises [4] Group 4: Digital Transformation - Zhengzhou Bank is committed to digital transformation, prioritizing customer experience and operational efficiency, and leveraging technology to enhance business management [5] - Strategic partnerships with companies like Huawei and Zhenghao Rong Credit Service aim to foster digital innovation in banking services [5]
政策东风叠加业绩韧性:郑州银行如何抢占重估先机?
Ge Long Hui· 2025-05-08 08:42
Group 1 - The central bank's recent policy package aims to release liquidity, lower financing costs, and direct credit resources towards key sectors to promote high-quality economic development [1][2] - The policy includes a comprehensive 0.5 percentage point reduction in the reserve requirement ratio, releasing 1 trillion yuan in long-term funds, and a 0.1 percentage point decrease in policy interest rates, which will alleviate banks' liability pressure and support the real economy [2] - The structural tools emphasized in the policy will support technology innovation, consumer services, and inclusive finance, with a significant increase in the re-lending quota for technology innovation from 500 billion yuan to 800 billion yuan [2] Group 2 - Zhengzhou Bank's Q1 2025 report shows strong growth across key metrics, achieving increases in total assets, deposits, loans, revenue, and profit, marking a historical high for the bank [4] - As of the end of Q1 2025, Zhengzhou Bank's total assets grew by 4.46% year-on-year, surpassing 700 billion yuan, with total deposits of 430.11 billion yuan (up 6.32%) and total loans of 400.24 billion yuan (up 3.24%) [4] - The bank's operating income reached 3.475 billion yuan, a 2.22% increase year-on-year, and net profit was 1.016 billion yuan, up 4.98% from the previous year, indicating a stable growth trend [4] Group 3 - Zhengzhou Bank's strategic focus on retail transformation has led to a significant increase in personal deposits, which rose by 11.61% to 243.51 billion yuan, accounting for 56.6% of total deposits [5][6] - The bank's innovative credit products, such as "Zheng e-loan" and "Housing e-loan," have met diverse personal credit needs, with personal loan balances reaching 93.58 billion yuan, a year-on-year increase of 2.88% [6] - By concentrating credit resources on key industrial clusters in Henan province, Zhengzhou Bank has established a positive feedback mechanism that supports local economic development [6] Group 4 - The central bank's policy initiatives provide a strategic opportunity for banks to enhance their services to the real economy, with Zhengzhou Bank's strong performance in Q1 serving as a testament to the effective integration of policy benefits and the bank's strategic direction [7] - As policy benefits continue to unfold, Zhengzhou Bank's advantages in technology innovation and green finance may position it favorably in regional financial competition and value reassessment [7]
郑州银行:深耕“五篇大文章”金融主线 赋能河南现代化建设新征程
Jin Rong Jie· 2025-04-16 09:46
小微企业是经济发展的"毛细血管",对稳就业、促发展意义重大。自小微企业融资协调工作机制启动以 来,郑州银行扎实推进小微企业融资协调工作机制落地见效。聚焦破解小微企业融资难题,实行"一把 手"负责制,对接各级政府工作专班,深入园区、社区、乡村开展"千企万户大走访"活动,构建三级联 动机制,强化运营监测、会商协调、工作检视、产品服务、快速审批等要素保障。坚持"应贷尽贷,能 贷快贷"原则,推出了订货贷、企采贷、助业贷、郑e贷、科技贷、专精特新贷、创业担保贷等多款金融 产品,满足小微企业资金需求,切实提高小微企业融资效率,打通金融惠企惠民"最后一公里"。截至 2024年末,落地小微企业融资协调工作机制业务6,586户,为小微企业蓬勃发展持续注入金融动力。 作为河南人民自己的银行,郑州银行(002936)始终牢记使命,积极践行金融工作的政治性、人民性, 坚守"服务地方经济、服务中小企业、服务城乡居民"定位,主动将自身发展融入地方发展大局,成为推 动河南经济社会高质量发展的重要力量。 近年来,郑州银行坚定不移走好中国特色金融发展之路,结合自身实际情况,发力金融"五篇大文章"、 小微企业融资协调机制、房地产融资协调机制等重 ...
郑州银行信贷投放持续增速 服务实体经济能力加强
Xi Niu Cai Jing· 2025-04-10 04:09
Core 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].