Traditional Culture Encyclopedia - Traditional customs - Comparison between Zheshang Bank and Four Big Banks

Comparison between Zheshang Bank and Four Big Banks

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From: www.wangluoliuxing.com Date: May 2022-18.

Under the epidemic situation, someone must be able to do the opposite, improve the risk tolerance and stabilize the economy and employment. In recent years, under the guidance of the financial bail-out policy, strengthening financial services, making full use of policies and promoting financial resources to the affected enterprises, industries and regions have become key words. Zheshang Bank is no exception. In the first quarter, through many business innovations, such as chain finance, Zheshang trading treasure, Jinyong bill pool, etc. It helped the entities in the epidemic.

According to the data of China Banking Regulatory Commission, the total assets of commercial banks last year was 288.59 trillion yuan, up 8.6% year-on-year. The net profit for the whole year was 21800 million yuan, a year-on-year increase of 12.6%. In the first quarter, various loans in the banking industry increased by11%year-on-year; The defective rate was 1.79%, which was slightly lower than that at the beginning of the year.

It is not difficult to see from the above data that the asset scale of the banking industry has grown steadily, the profitability and asset quality have continued to improve, and the industry boom has shown an upward trend.

Take Zheshang Bank as an example. Its first quarterly report in 2022 showed that the revenue in the first quarter was 153.9 1 100 million yuan, up by 18.37% year-on-year, and the net profit attributable to bank shareholders was 51/0.80 billion yuan, up by1/year-on-year. Among them, net interest income114.98 million yuan, up14.20% year-on-year; Non-interest net income increased by 32.69% year-on-year to 3.893 billion yuan, faster than the overall increase in revenue.

Haitong Securities commented that "speed up and increase efficiency, look brand-new". In the first quarter of 2022, Zheshang Bank's revenue and profit reached double digits, and its net profit returned to the pre-epidemic level, which was significantly higher than that of 202 1. The 12 business policy of "laying a solid foundation, adjusting the structure, controlling risks and creating benefits" has been initially reflected.

Exploring the reasons behind this, Zheshang Bank focused on its main business, strengthened digital empowerment, and successively launched many characteristic businesses, especially chain finance, which has certain first-Mover advantages. Based on the technology of "blockchain and Internet of Things", the financial service platform of the supply chain industry chain will be continuously and iteratively upgraded, and five major sectors will be gradually formed, namely, the big retail sector, the big company sector, the big investment bank sector, the big asset management sector and the big cross-border sector, so as to further develop the vision of "first-class commercial bank".

Sink, change and export the chain finance of Zheshang Bank's layout

As we all know, the traditional deposit and loan model is a typical "one-off" business, but the enterprise is not a single individual. It has upstream and downstream customers, embeds financial services into the production, operation and fund management activities of enterprises, helps enterprises revitalize the assets and resources deposited on themselves and the supply chain, and constructs the financial ecology of the supply chain.

The so-called chain finance means that banks manage the capital flow, logistics and information flow of upstream and downstream SMEs around core enterprises, realize the overall risk control of supply chain enterprises, and provide a package of financial services on this basis.

Supply chain finance solves the problems of financing and guarantee for upstream and downstream enterprises. By opening the bottleneck of upstream and downstream financing, we can reduce the financing cost of supply chain, improve the competitiveness of core enterprises and supporting enterprises, and realize the "win-win" between banks and enterprises.

At present, affected by the epidemic situation, maintaining the stability of industrial chain and supply chain is an important measure to smooth the national economic cycle. It has also been frequently mentioned by the Financial Stability Board, the People's Bank of China and the China Banking Regulatory Commission at the recent symposium on financial support for the real economy.

Zheshang Bank conforms to the internal and external development trends and regulatory requirements, actively serves the national strategic layout, and responds to the national action of "mending the chain and strengthening the chain" in the industrial chain. 202 1 newly established supply chain finance department to deepen the basic customer base and serve the real economy.

At present, it has formed distinctive and differentiated supply chain financial solutions in more than 20 industries such as steel, construction, energy and electric power. The data shows that as of the end of March 2022, Zheshang Bank has served 455 digital supply chain projects, serving nearly 10,000 upstream and downstream customers, of which Pratt & Whitney small and micro enterprises accounted for 80%, and its business balance exceeded 32 billion yuan.

Supply chain finance itself has a low threshold. The difficulty and pain point is that banks should introduce more efficient products and better services according to the changing needs of enterprises to meet the diversified financing scenarios of enterprises.

Through in-depth communication and investigation with enterprises, Zheshang Bank learned that the core problem of most enterprises is accounts receivable. For small and medium-sized enterprises, in the face of strong upstream and downstream customers, the right to speak is generally weak, so there are more accounts receivable.

Too many accounts receivable will devour the cash flow of an enterprise. An enterprise without sufficient cash flow is like a person without air, who may "suffocate" at any time. Therefore, whoever can solve the problem of enterprise accounts receivable will be in an invincible position in the competition with peers.

Zheshang Bank saw this pain point and took the lead in launching the accounts receivable chain platform, creating a precedent for the banking industry to empower its core business with blockchain, and then consolidating the financial advantages of the supply chain through blockchain, Internet of Things and other technologies.

On the platform of accounts receivable chain, enterprises can handle the distribution, acceptance, payment, transfer, pledge and redemption of accounts receivable, realize the early realization of accounts receivable or realize barrier-free circulation, and greatly improve service efficiency.

Take Hikville as an example, about 70% of its sales revenue is realized through dealer channels, but there are about 1.80 million dealers in China, which are scattered all over the country. Due to the epidemic, the dealer's account period was extended. Hikville will collect cash from dealers at the end of the quarter according to the demand of accounts receivable, and dealers also have financing needs.

On this basis, Zheshang Bank can directly pay Hikvision after financing the orders of downstream dealers, which effectively solves the pain points of both parties. By the end of the first quarter of 2022, downstream dealers had accumulated financing of 654.38+0.6 billion yuan.

Under the two-wheel drive of "blockchain+Internet of Things", the data shows that by the end of the first quarter of 2022, the number of core enterprises in the supply chain of Zheshang Bank's service industry chain and its upstream and downstream suppliers has reached nearly 40,000. Huatai Securities Research Report analyzes that the supply chain of Zheshang Bank is growing rapidly, which is expected to precipitate a large amount of low-cost settlement funds, and the structural adjustment effect is gradually highlighted.

Zheshang trading treasure, Jinyong Bill Pool and other special businesses empower differentiated competition.

There were retail banks and trading banks before, followed by financial technology banks and smart banks. Both state-owned banks and joint-stock banks are constantly exploring new development directions, which also means that differentiated competition has gradually become the direction of banks' efforts.

Using bills to serve the liquidity needs of enterprises is one of them. Enterprises will involve a large number of bills in their operations, and many enterprises are faced with problems such as a large number of bills, difficulty in realizing them and difficulty in asset turnover. In order to solve this problem, Zheshang Bank launched a collective financing platform to facilitate enterprises to enter the pool assets at any time, especially in the event of an epidemic, and handle financing online.

As early as 20 14 and 10, the business of "Jinyong bill pool" surfaced and was upgraded to a collective financing platform on 20 17. This business is mainly to package all bills of different varieties, maturities and amounts into a pool as a whole, and generate the corresponding "pool financing amount" as a whole. The bank can be directly used to issue paper and electronic acceptance bills, and can also be used to withdraw short-term loans, open letters of guarantee and other comprehensive credit services.

Not only the bill pool, but also the corporate business of Zheshang Bank has many characteristics, which empowers differentiated competition. International business is one of them.

In 20021year, the international settlement volume of Zheshang Bank reached $218.2 billion, a year-on-year increase of104%; The volume of foreign exchange transactions with customers was $82.4 billion, a year-on-year increase of 46%; The income from intermediary business was RMB 65,438+0,654,38+0.28 billion, a year-on-year increase of 33%. The high growth trend also continued in the first quarter, with international settlement and foreign exchange transactions with customers increasing by 78% and 92% respectively, reaching $66.3 billion and $33.3 billion.

In recent years, Zheshang Bank's international business has stood out, which is inseparable from the blessing of Zheshang trading treasure and other special businesses.

In 20 17, Zheshang Bank innovatively launched the self-service online foreign exchange trading client-"Zheshang trading treasure", and then upgraded it to Zheshang trading treasure mobile APP in 20 18.

Under the traditional mode, enterprises make inquiries from bank traders by telephone, and the round-trip inquiry and offline operation are inefficient, so it is difficult to grasp the optimal exchange rate transaction price. The launch of "Zheshang trading treasure" allows enterprises to conduct business online by themselves, lock the exchange rate in real time, and shorten the foreign exchange derivatives transaction that originally took 1-2 hours to less than 2 minutes. Efficient and convenient trading mode can better help enterprises achieve the goal of exchange rate hedging.

Up to now, the settlement volume in trading treasure has increased steadily, with 202 1 reaching US$ 37.4 billion, effectively serving foreign trade enterprises. In the first quarter, affected by the rising epidemic, the online service capacity was further improved, reaching a transaction volume of $6,543.8+0.22 billion yuan.

There are various indications that Zheshang Bank, with the blessing of chain home finance, Zheshang trading treasure and other special businesses, has gone up a storey still higher, helping the real economy. Looking forward to 2022, the impact of the epidemic will continue. Zheshang Bank will provide services with characteristic finance, cultivate and build the core competitiveness of four advantages and five sectors, and comprehensively enhance its comprehensive financial service capabilities.

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