Finance serves as the lifeblood of the real economy. The systematic deployment of the five key areas—technology finance, green finance, inclusive finance, pension finance, and digital finance—outlined by the central financial work provides direction for high-quality financial development in the new era. Since 2025, CBHB Zhengzhou Branch has thoroughly implemented the work requirements of the Henan Provincial Committee, the Provincial Government, and the Henan Financial Regulatory Bureau, closely adhering to the head office's "9531" strategy. It has strived to establish a "1+4" development layout tailored to the branch's actual conditions, with digitalization as the engine, technological advancement as the support, inclusiveness as the original intent, green development as the orientation, and senior-friendly services as the embodiment of warmth. The branch has translated the five key areas into concrete actions to serve the real economy, promote industrial upgrading, and safeguard people's livelihoods. Through practical action and responsibility, it has written a CBHB answer to empowering the development of the Central Plains, injecting a continuous stream of "CBHB momentum" into the high-quality economic and social development of Henan Province.
Driven by innovation, the branch has delved deeply into industries, activating a new engine for building a strong manufacturing province. Technology finance is the core engine for cultivating new quality productive forces. CBHB Zhengzhou Branch proactively joined the ranks of financial institutions in the Henan Provincial Department of Industry and Information Technology's "Specialized, Refined, Distinctive, and Innovative Loan" program, offering specialized support such as preferential interest rates, streamlined processes, and online handling to smooth the channel for scientific and technological innovation financing, assisting Henan in building a strong manufacturing province. In October 2025, the branch achieved a milestone breakthrough in bond underwriting, successfully serving as the sole underwriter for a 1 billion yuan, 5-year "Technology Innovation + Sustainability-Linked" dual-labeled medium-term note for a state-owned listed enterprise. This set multiple records, including the branch's first dual-labeled bond and the bank's first such dual-labeled bond. Designated as the branch's "Number One Project," the entire bank coordinated efforts in a "5+2"攻坚模式, tracking progress daily and implementing tasks in a closed loop. The bond was successfully issued within 20 days, creating an industry-praised "CBHB speed" through efficient collaboration and marking a significant leap for the branch from traditional credit services to comprehensive high-end investment banking services.
This transition from "blood transfusion" to "empowerment" is just one example of CBHB Zhengzhou Branch's deep cultivation in technology finance. To address the challenges of "not understanding the industry" and "daring not to lend" in serving technology enterprises, the branch innovatively established industry research teams and product adaptation mechanisms. It conducted in-depth research on Henan's key advantageous industries such as aluminum-based new materials, lead-zinc smelting, and leisure food, exploring service models like "basic industry research + leading clients" and "industrial chain depth + supply chain extension," aiming to "thoroughly understand one industry, serve a group of clients, and develop a set of solutions." In September 2025, upon learning of a restructuring opportunity for an energy enterprise, the branch quickly collaborated with expert teams from the head office for on-site对接. From the initial visit and对接 to completing a 2 billion yuan comprehensive credit approval, the entire process took less than two months, winning high recognition from the enterprise through efficient response. In 2025, the branch visited a cumulative total of 261 technology-based enterprises. The loan balance for technology-based enterprises reached 2.652 billion yuan, an increase of 636 million yuan from the beginning of the year. The proportion of manufacturing loans rose to 29.41%, with the effectiveness of technology finance services consistently ranking among the top in the province.
Anchoring the "dual carbon" goals through innovation, the branch has painted a new底色 for ecological development. Lucid waters and lush mountains are invaluable assets. CBHB Zhengzhou Branch actively implements the head office's "9531" strategy, firmly practices green development concepts, promotes the transformation into a bond bank and a light bank, actively seeks specialized policies from the head office regarding credit approval, scale倾斜, and loan pricing, and establishes a green finance working mechanism of "priority acceptance, priority approval, and preferential pricing" along with a "one city one task force" service mechanism. With top-level design safeguarding green development, it fully promotes the green and low-carbon transformation of the regional economy. Beyond supporting major livelihood infrastructure projects, the branch focuses on the green upgrading of industrial chains, building a dual-driven system of "green credit + green bonds" to promote low-carbon transformation across the entire chain. In the agricultural sector, it invested in green ultra-short-term financing bills to support a leading food enterprise's transition from traditional breeding to ecological recycling and粪污 resource utilization. In the water and environmental protection sector, it invested in the first green corporate bond issued by a water company in 2025, supporting sewage treatment and pipeline network renovation, practically fulfilling the responsibility of finance in助力 the "dual carbon" goals. Statistics show that the bank's green credit balance in 2025 was 587 million yuan, an increase of 380 million yuan from the beginning of the year.
Participating in a syndicated loan project achieved a new breakthrough in民生融资. In November 2025, the branch was invited to participate in a key syndicated loan project for a "two institutes, one center" of a provincial state-owned enterprise. This project is a core载体 of the Central Plains Medical Science City, bearing the important mission of regional medical upgrading and public health system improvement. At that time, the syndicate was基本组建完毕. As the last institution to join, the branch had only 10 working days to complete the审批决策. The branch迅速启动 a green approval channel, formed a special攻坚 team, and高效推进 all processes. Within 10 working days, it completed the entire process of data collection, on-site尽职调查, and credit approval,最终成功参团并放款. This long-term, low-cost participation and disbursement represent an important practice for the branch in深耕 the Henan local market and助力 major provincial livelihood projects. It also marks a key breakthrough for the branch in syndicated loan business and financial services for民生基建, creating a合规范本 for financing large-scale livelihood infrastructure projects.
Precise supply chain滴灌助力 small and micro enterprises in overcoming difficulties and achieving stable development. Inclusive finance is crucial for market vitality and people's livelihoods. CBHB Zhengzhou Branch adheres to the original intent of "being genuine, focusing on small businesses, and doing it well." Centered on core enterprises, it uses特色产品 like reverse factoring, Huiqi E-loan, and正向保理 to打通 financing bottlenecks for upstream and downstream small and micro enterprises. The branch innovated a service model of "core enterprise credit穿透 +全流程线上化," embedding inclusive finance into the entire production and operation scenarios of small and micro enterprises. Relying on various supply chain finance platforms, it achieved seamless对接 of data flow, capital flow, and information flow between core enterprises and their上下游 through system直连, realizing "online application, real-time confirmation of rights, and快速放款," allowing the "living water" of inclusive finance to reach the末端 of the industrial chain. The branch actively implements Henan Province's small and micro enterprise financing coordination mechanism. As of April 2026, it had visited a cumulative total of 2,112 small and micro enterprises, provided credit to 249 enterprises totaling 3.404 billion yuan, with disbursements of 2.047 billion yuan. The balance of inclusive small and micro loans was 1.073 billion yuan, the balance of loans续贷 without repayment of principal was 55.94 million yuan, and the proportion of supply chain inclusive disbursements reached 40.17%, effectively破解 the problems of "difficult, slow, and expensive financing" for small and micro enterprises.
Cultural empowerment and senior-friendly upgrades守护 the new happy life of the银龄群体. In response to the national strategy for addressing population aging, CBHB Zhengzhou Branch positions pension finance as a key strategic direction, creating a三维融合 model of "cultural empowerment + financial services + pension security." It focuses on three aspects—scenarios, products, and services—to promote the upgrade of pension finance from "single products" to "全生态服务,"用心守护 the happy晚年 of the银发 group. Recently, Zhengzhou Branch successfully held the second "Bohai Cup" group talent competition, themed "银龄风采,艺绽渤海," attracting over a thousand elderly friends to participate in diverse forms including dance, chorus,戏曲,非遗展演, and器乐演奏,搭建 a "星光大道" for the elderly to showcase their风采. Simultaneously, financial knowledge education was conducted on-site to守护 the "money bags" of the elderly. Additionally, the branch implemented "three focuses" senior-friendly measures: focusing on场景融合, upgrading business outlets into银龄 financial service stations equipped with便民 facilities like爱心座椅, reading glasses, first aid kits, and无障碍通道; focusing on产品适配,推出 low-risk, stable-yield, high-liquidity pension wealth management and专属储蓄 products; focusing on普惠覆盖, forming银发 financial service teams that走进 communities,老年大学, etc., to provide services like上门开卡, business咨询, and anti-fraud宣传,打通 the "last meter" of financial services. In 2025, the branch provided professional pension financial services to nearly 50,000 elderly individuals. Its pension finance business考核 ranked among the top within the bank's system,助力 the high-quality development of the银发 economy with warm financial services.
Technology empowerment improves quality and efficiency,重塑 new paradigms for financial services. Supported by前沿技术 like big data, blockchain, and system直联, CBHB Zhengzhou Branch has built a dual-track digital financial service system of "self-built platforms + third-party platforms," achieving全流程线上化, intelligent, and efficient operations. In 2025, digital technology experienced爆发式增长 in the supply chain finance field,融资 efficiency multiplied, and enterprises achieved "zero跑腿" in handling affairs. Statistics show that relying on the online digital supply chain platform, disbursed loans in 2025 reached 829 million yuan, an increase of 565 million yuan from 2024, a增幅高达214%, becoming a标杆实践 for the integrated development of the branch's digital finance and supply chain finance. Meanwhile, the深度融合 of digital technology and risk prevention and control has been ongoing. The branch continuously optimizes its credit structure. In 2025, the proportion of credit extended to manufacturing enterprises increased by 30.42%, achieving稳健高质量发展 under可控 risk,全面提升 service quality, efficiency, and management水平 through digital transformation.
In 2025, CBHB Zhengzhou Branch delivered an impressive report card: the growth rate of various deposits rebounded, and loans maintained stable growth. In the Henan Provincial People's Bank's monetary policy implementation evaluation, the branch ranked first among 24 financial institutions in the province for the manufacturing单项. It also won重磅奖项 like the "Innovative Investment Special Contribution Institution," signifying a leap in development quality and efficiency.
The journey is long with favorable winds, and重任千钧 calls for renewed出发. CBHB Zhengzhou Branch will坚守 its financial初心,深耕 the five key areas, continuously innovate and empower, optimize services, strictly control risks,深度融入 the overall development of Henan,全力支持 major strategies, industrial transformation, and the real economy. It will contribute greater, better, and stronger CBHB力量 to奋力谱写 the new chapter of advancing Chinese-style modernization on the land of the Central Plains.