In recent years, the positive interaction between the financial sector and the real economy has continued to deepen。

8月20日，With the successful renaming of Gansu Nenghua Group Bangxin Small Loan Co., LTD. (hereinafter referred to as "Gansu Nenghua Bangxin Small Loan Company")，It marks the company's innovation in financial practice, theoretical innovation and institutional innovation - deepening reform to drive transformation，Continue to improve their own layout，Do the best, do the main responsibility，Do fine and deep supply chain finance，The road to continuous improvement of operational efficiency and market competitiveness。

Party building leads and promotes both party building and business integration

In May 2012, approved by the Financial Office of Gansu Provincial Government, Lanzhou Bangxin Small Loan Co., Ltd. was officially opened. The main initiator was Dongfang Bangxin Financing Holding Co., LTD., with a registered capital of 200 million yuan, the company is qualified to carry out business in the province。In October 2020, Gansu Energy and Chemical Investment Group Co., LTD., as the main initiator, acquired and restructured Lanzhou Bangxin Small Loan Company, and officially changed its name to Gansu Nenghua Group Bangxin Small Loan Co., LTD in August this year。The company's main businesses are: real estate mortgage loans (Rongyi mortgage), farmer loans (Rongyi Fu), supply chain finance loans (coal Yiying) and business loans (Rongyi Ying).。

In the development process of Gansu Nenghua Bangxin small loan Company, the party building work has always been the "red engine" of the company's development, providing a strong political and organizational guarantee for the sustainable and healthy development of the company。

Over the years, under the correct guidance of the Party Committee of Gansu Nenghua Group, the company has actively explored a new path for party building work, innovatively adopted the "Party building +" model, deeply integrated the party building work with core business links such as financial service innovation and risk management, and achieved the same frequency resonance and deep integration of party building and business work。

"This model of double promotion and double financing not only enhances the cohesion and combat effectiveness of the Party organization, but also greatly improves the company's business competitiveness and market adaptability, and the company's profitability continues to increase.。According to the relevant person in charge of the Gansu Canhua Bangxin small loan company, at present, the company's value-added rate of state-owned assets alone has reached 117.In 2023, it was awarded by the State-owned Assets Supervision and Administration Commission of Gansu Provincial Government as a "demonstration point for the integration of Party building into production and operation of provincial enterprises", becoming a model for the deep integration of party building and production and operation of provincial enterprises。

Deep cultivation of small and micro services to the real economy

Since the reorganization in 2020, Gansu Nenghua Bangxin Small Loan Company has taken the service of the real economy as its responsibility, especially for small and micro enterprises and "agriculture, rural areas", and has served more than 3,000 small and micro enterprises in total and put in credit fund7.5亿元。

Especially in the "fight" against the epidemic, the company took the initiative to rescue enterprises affected by the epidemic, and provided timely "blood transfusion" and loans to 602 small, medium-sized and micro enterprises.700 million yuan, effectively alleviating the financial difficulties of enterprises, helping them to restore vitality。

At the same time, it also extended loans for 135 small and micro enterprises, involving a loan amount of 0.6.8 billion yuan, showing the provincial state-owned enterprises in the special period of social responsibility and responsibility。A series of initiatives have won wide praise from all walks of life, won the "Governor's Financial Award" of Gansu Province in 2021 and 2022, and was elected president of Gansu Small Loan Association in 2023。

Transformation and upgrading to build a new ecology of supply chain finance

Supply chain finance is a new financing method combining supply chain management and financial financing services, which can closely link financial institutions, core enterprises and upstream and downstream business entities, and allocate more financial resources to the key areas and priority directions of regional economic and social development。

Under the strategic guidance of Gansu Nenghua Group, Gansu Nenghua Bangxin Small Loan Company closely focuses on the new ecological model of "industry + supply chain + finance", fully promotes the innovation and development of supply chain finance, highlights the characteristics of the main business, and strives to build an efficient, collaborative and win-win supply chain financial service system。Gansu Nenghua Bangxin small Loan Company in-depth study of industrial policy, in-depth cultivation of the industry, precise force, with a flexible "green list" model, increase business sources, and actively build a close cooperation network with key partners such as Gansu Coal Trading Center, to create an open and win-win supply chain financial ecosystem。

It is reported that the company has provided financial services for hundreds of customers registered in the Gansu Coal Trading Center, and has accumulated more than 100 million yuan in main business collaborative funds, effectively solving the "financing difficulties" of upstream and downstream customers in the main business supply chain of Gansu Nenghua Group。

Technology drives the internal control management efficiency to continue to improve

In the face of the vigorous development of financial technology, Gansu Nenghua Bangxin Small Loan Company keeps up with the pace of The Times, empowers financial services with technology, and achieves both the improvement of business efficiency and risk prevention and control level。

Especially in terms of improving the intelligence and automation level of financial services, the company has significantly improved its office efficiency by optimizing and upgrading its business and financial systems, as well as developing and constructing the pre-processing system for the second collection letter。

此外，Relying on big data analysis technology，Achieve rapid linkage response between loan approval and loan，Not only improve the work efficiency，It also reduces the risk of human operation，Ensure that every loan is within the manageable risk range，The company's defect rate has always been controlled in the excellent range，2022年，In the province's small loan industry classification regulatory rating won the "A"。

Gansu Canhua Bangxin small loan company adheres to the spirit of the Third Plenary Session of the 20th Central Committee of the Party as guidance，We will continue to explore the law of financial development in the new era，Continue to deepen the understanding of the essence of socialist finance with Chinese characteristics，Deepen reform and innovation-driven，Constantly explore new paths for party building and business development，Inject new impetus into the realization of high-quality development，To make greater contributions to maintaining the stability of regional financial markets and promoting the high-quality development of inclusive financial undertakings。

(New Gansu · Gansu Economic Daily reporter Ma Rujuan)