A daily necessities studio opened by individual industrial and commercial households in Jiangbei District, Chongqing, sells a series of daily necessities products in South Korea that are very popular among office workers in first-tier and second-tier cities. However, due to the shortage of funds for purchasing goods, the studio was unable to achieve its goal of expanding its business scale. Just when the shop owner was at a loss, the account manager of Ping An Bank Chongqing Branch recommended a mortgage loan to him and opened up a green loan channel for it. The studio obtained a loan of 1.5 million yuan in just three days, successfully completing the new order. This is a microcosm of Ping An Bank's "Visit to Thousands of Enterprises" activity. Similar heart-warming financial stories are being staged across the country.

As an important part of my country's economy, the private economy has played an irreplaceable role in stabilizing growth, promoting innovation, increasing employment, and improving people's livelihood. It is the "ballast stone" for stable social and economic development. In November 2024, the State Administration of Financial Supervision and the National Development and Reform Commission took the lead in establishing a financing coordination working mechanism to support small and micro enterprises, aiming to work from both sides of supply and demand to coordinate the problem of financing difficulties for small and micro enterprises and bank lending difficulties.

Financial services are the blood of the modern economy. The development and growth of the private economy requires real efforts and practical measures from financial institutions to effectively provide strong financial support. Ping An Bank unswervingly fulfills its original mission of "serving the country with finance" and "finance for the people", actively promotes the implementation of the financing coordination working mechanism to support small and micro enterprises, focuses on the difficulties and pain points of private enterprises in the development, takes multiple measures and implements precise policies, Inject a steady stream of financial vitality into the development of the private economy.

The total score is linked up and down to send financial services to "thousands of enterprises and households"

Faced with "financing difficulties", a "stumbling block" that has seriously restricted the sustainable development of private enterprises for a long time, Ping An Bank attaches great importance to it. The head office immediately established a special work class led by Ji Guangheng, Secretary of the Party Committee and President of Ping An Bank, to support the financing of small and micro enterprises. Coordination work classes, each branch has established special work classes led by the top leaders of the branches to form a good situation of linkage and coordinated operations from the upper and lower levels from the institutional level, and jointly promote the implementation of the financing coordination working mechanism to support small and micro enterprises.

In order to deeply understand the actual needs of small and micro enterprises and accurately connect financing services, under the guidance of special work classes, Ping An Bank launched a "Thousands of Enterprises Visiting" activity nationwide to comprehensively understand the company's operating status, capital needs and financing problems through face-to-face exchanges, on-site inspections, etc., further enhance the pertinence and effectiveness of financial services, and effectively open up financing blockages for private enterprises. Branches across the country responded actively, strengthened their responsibilities, and formulated personalized visit plans based on local economic environment, industrial characteristics and the actual situation of private enterprises to open up the "last mile" that benefits enterprises.

After the launch of the "Large Visit to Thousands of Enterprises and Thousands of Households", Ping An Bank Nanchang Branch quickly organized various institutions to carry out docking visits, organized various business units to establish special work classes, and at the same time established a working mechanism contact group to actively connect special work classes in various regions to further strengthen Internal communication and collaboration have formed an all-round and multi-level cooperation network. At present, Nanchang Branch has connected with the small and micro financing work team in Jiangxi Province and the work of 41 prefectures, cities and counties, and visited a total of 49 enterprises, striving to deliver warm financial services to every private customer in need.

Ping An Bank Dalian Branch followed the "five specialties and five enhancements" work model, organizing 10 branches to pair with 3 Pujin direct sales teams. The branch president took the lead in organizing special classes, and a total of more than 50 people were selected to participate in the branch special class work, using their rich experience and professional skills to ensure the rapid and accurate implementation of various measures. At the same time, Dalian Branch also organized account managers to conduct a comprehensive investigation of existing customers. Customers who were willing and qualified to renew loans were identified in advance and proactively connected, giving priority to support in the form of loan renewal without principal repayment, which effectively alleviated customers 'financial pressure and further strengthened and consolidated bank-enterprise cooperation.

Diversified products and services guide financial "living water" to nourish the real economy

"The biggest headaches we encountered in our operations before were 'difficulty in financing' and 'expensive financing'." Cai Fangqiang, a villager in Xiangyu Village, Xiangzhi Town, Shishi City, Fujian Province, said that since Ping An Bank entered the village to customize the "benefit farmers loan" service for fishermen, financing is no longer a problem."It really allows us to enjoy financial services that save money, save time and save money."

Xiangyu Village is located in Fujian Province's first national-level central fishing port and Xiangzhi National Central Fishing Port, one of the five major fishing ports in the country. Previously, fishermen had difficulty obtaining bank financing due to problems such as scattered flow of water due to cash settlement, missing operating data, and difficulty in verifying their operations by fishing boats drifting at sea for a long time.

Ping An Bank adheres to the development philosophy of "truly inclusive, truly small and micro", relies on financial technology to continue to explore diversified financing mechanisms, and "accurately drip irrigation" the private economy. Quanzhou Branch combines the characteristics of local industries to provide Xiangyu Village with a customized situational service plan for "Benefit Farmers Loan". As of April 30, 2024, it has successfully provided more than 70 villagers with a credit amount of more than 60 million yuan, strongly supporting Shishi Xiangzhi's fishery development.

In addition to "benefiting farmers loans", Ping An Bank has also created a series of special products including real estate mortgage loans, credit loans, guaranteed loans, standard products for science and technology innovation loans, and loans to import and export enterprises. These products have distinctive features of scenario and customization, and have simplified approval processes, flexible repayment methods and preferential loan interest rates. They can meet the diversified financing needs of enterprises of different types and stages of development, and guide credit funds to quickly reach the grassroots level. Small and micro enterprises strive to improve the quality and efficiency of financial services to the real economy. Taking "Science and Technology Innovation Loan" as an example, this service solves the financing difficulties faced by private small and medium-sized science and technology innovation enterprises due to light assets and high R & D investment, helps the growth of "specialized, specialized and innovative" small giants, and accelerates the transformation of scientific and technological achievements into real productivity.

During the "Thousands of Enterprises Visit" activity, various branches of Ping An Bank also strengthened the promotion of small and micro credit products, striving to allow more private enterprises to obtain convenient and efficient financial services, and contribute to the continued growth of the private economy. Inject new momentum. For example, Qingdao Branch walked into the Zhanshan Maker Industrial Park and introduced in detail Ping An Bank's mortgage loans, science and technology innovation loans, credit loans, international trade e-finance, etc. to participating companies through a unique "Financial Warm Winter Empowerment Lecture". A variety of inclusive products have laid a new foundation for customer reserve and business expansion in the next step.

Gather the strength of all parties to jointly optimize the development environment of the private economy

In October 2024, an inclusive science and technology innovation exchange conference with the theme of "Safe, Benefiting Enterprises, Creating and Financing Haidian" was successfully held at the Zhongguancun International Innovation Center in Beijing. At this event, organized by Ping An Bank Beijing Branch and fully supported by the Haidian District Local Financial Administration Bureau, Zhongguancun Science City Management Committee, and Beijing Fund Town, Beijing Branch, together with Zhongguancun Guarantee, the majority of scientific and technological innovation enterprises and leading PE institutions, etc., discussed how to better serve small, medium and micro enterprises in science and technology innovation, meet their financing and various financial needs, and achieve win-win development.

The long-term development of private enterprises is the common responsibility of the whole society. Ping An Bank takes the initiative and actively plays a role as a bridge, gathers the wisdom and strength of the government, enterprises, society and other parties, closely coordinates and links, forms a joint force, actively promotes the docking of banks and enterprises, builds an information exchange platform, promotes the deep docking of banks and enterprises, and promotes Efficient allocation of resources, continue to optimize the development environment of the private economy, work with all sectors of society to accompany the growth of private enterprises, and promote the private economy to become bigger, better and stronger.

Ping An Bank Xiamen Branch is also actively mobilizing social forces to jointly serve the private economy. In November 2024, in response to the guidance of the "Special Class on Financing Coordination for Small and Micro Enterprises", Xiamen Branch, together with the Finance Bureau of Xiang 'an District, Xindian Subdistrict, Xindian Subdistrict Youth Innovation Association, and Fujian Xufeng Law Firm jointly held the "Financial Empowerment to Help Enterprises Move Forward" activity to promote Ping An Bank's inclusive financial services, interpret the newly revised "Company Law of the People's Republic of China, help private enterprises improve operating compliance and rights protection awareness, and protect the healthy and long-term development of private enterprises.

The private economy is an important body in promoting high-quality development. In order to further optimize the business environment of private enterprises and enhance the competitiveness of private enterprises, the "Opinions on Promoting the Development and Growth of the Private Economy" issued by the Central Committee of the Communist Party of China and the State Council clearly proposed to improve the financing support policy system. Ping An Bank has a deep grasp of the political and people-oriented nature of finance, internalizes policy requirements in its heart and externalizes policy requirements in its actions. In the future, it will accelerate the implementation of various tasks of the financing coordination working mechanism to support small and micro enterprises, continuously optimize the credit structure, and broaden financing channels, reduce financing costs, stimulate the endogenous vitality of the development of private enterprises, and promote the high-quality development of the national economy.