Fifteen Years of Red Soil Dream Building, Financial Nourishment for Gan and Po — A Fifteen-Year Documentary of the Development of Beijing Bank Nanchang Branch

Steep Jǐnggāng Mountain stands tall, with red genes passed down from generation to generation; the roaring Gan River surges with the era’s tide of high-quality development. In March 2011, a financial seed from Beijing, the nation’s capital, bearing the初心 of serving the real economy, was sown in this vibrant red land. As the Bank of Beijing’s ninth out-of-city branch, the Bank of Beijing Nanchang Branch formally planted its roots in “Hero City,” opening a brand-new chapter of financial cooperation between Beijing and Jiangxi.

Fifteen years are a measure of time, but also a yardstick of striving. Starting from Yangming Road in Nanchang, to date the branch has cumulatively deployed more than 490 billion yuan in credit funds; the three places—Nanchang, Ganzhou, and Jiujiang—have 36 business outlets; it has served more than 7,000 small and micro enterprises; and it has served more than 860,000 individual customers. For fifteen years, the Bank of Beijing Nanchang Branch has consistently synchronized with national strategies and moved in the same direction as Jiangxi’s development—its reach penetrating the fine-grained fabric of the city and spanning the vast rural and urban landscape—nourishing every inch of the land that supports Jiangxi’s economic and social development with an unceasing flow of financial liquidity.

Party building leads the way—empowering soul-shaping

Looking back on the development journey of the past fifteen years, the Bank of Beijing Nanchang Branch has advanced steadily through cycles, fundamentally because it has always upheld Party building leadership—deeply integrating red genes into the lifeblood of business and management, and strengthening the foundation with theory. The branch Party committee resolutely implements the decisions and deployments of the CPC Central Committee as well as the work requirements of the CPC Provincial Committee and the provincial government of Jiangxi, transforming the outcomes of theoretical study into a powerful driving force for development. Twenty-seven Party branches are like 27 solid battlements, rooted in the front lines of operations and in the forefront of service. They deeply integrate the Bank of Beijing’s rigorous and pragmatic corporate culture with the spirit of Jinggangshan, ensuring that the Party flag flies high on every position of financial services.

Through multi-level co-building arrangements among government, banks, enterprises, and rural areas—regularly advancing volunteer services and financial benefits for the people—this branch has connected the business chain, service chain, and responsibility chain through a “Party-building chain,” drawing a development circle of shared purpose and mutual support, building together in the same direction.

Honors bear witness to real commitment and担当. Under Party building leadership, the branch has successively been awarded: an outstanding unit for ideological and political work in the national financial system; a top-100 demonstration unit for civilized and standardized service in China’s banking industry; a corporate award for social responsibility in Jiangxi; the Jiangxi Green Finance Development Contribution Award; and the 2025 Jiangxi Financial Institutions Contribution Award for Supporting Local Economic Development. It has also been named the “Comprehensive Development Contribution Award” for high-quality financial development in Nanchang for three consecutive years. Each heavy honor records the solid steps the Bank of Beijing Nanchang Branch has taken to live and thrive in symbiosis with the land of Gan and Pó. Its ability for high-quality development, steady operations, and its brand image have received high recognition and widespread approval from all sectors of society.

Deepening real economy—precise empowerment

Finance is the lifeblood of the real economy. For fifteen years, the Bank of Beijing Nanchang Branch has always adhered to its core positioning of “serving local economic development, serving small and medium-sized enterprises, and serving citizens,” proactively integrating into the overall development of Jiangxi. It has deeply connected with major provincial strategies, key projects, and important platforms, shouldering the political responsibility and mission of serving local development.

During this period, the branch reached strategic cooperation with China Northern Rare Earth Group, and signed strategic cooperation agreements with the people’s governments of prefecture-level cities including Nanchang, Jiujiang, and Jingdezhen. It has directed financial resources with precision to the province’s key areas and critical links, becoming an indispensable financial force for the region’s socioeconomic development.

Closely following the “1269” action plan for modernizing key industrial supply chains in Jiangxi’s manufacturing, the branch has continued to improve its comprehensive financial service system, focusing on four major areas: supply chain finance, scenario finance, treasury and cash management finance, and cross-border finance. It has continued to increase the tilt of credit support. Financial support for advanced manufacturing, high-tech manufacturing, strategic emerging industries, and other areas has been continuously enhanced. By the end of 2025, the branch’s manufacturing loan balance reached 16.6 billion yuan.

Firmly and unwaveringly supporting the development of the private economy is the original intention of the Bank of Beijing Nanchang Branch. It serves more than 1,700 private enterprise clients under credit grants. From “helping with timely coal in the snow” at the start-up stage to “adding flowers on the brocade” in the growth stage, the branch has accompanied a group of local private enterprises as they grow from small to big and from weak to strong, becoming a financial partner for stable and sound development of the private economy.

Relying on the capital’s financial resource advantages, the branch has carefully refined cultural finance as its signature feature. Its balance of cultural finance loans exceeds 14 billion yuan. From supporting the production of major revolutionary historical-themed film and television works such as 《Jǐnggāng Starfire》 and 《The Three Bay Reformation》 to helping excellent Jiangxi-produced works such as 《Tiān Gōng Kāi Wù》 reach audiences nationwide, the Bank of Beijing Nanchang Branch uses financial strength to protect red cultural veins and to pass on the culture of Gan and Pó.

Featured leadership—crafting the “five major articles” with precision

Upholding the political and people-centered nature of financial work, the Bank of Beijing Nanchang Branch writes its “five major articles”—technology finance, green finance, inclusive finance, pension/retirement finance, and digital finance—on the land of Gan and Pó. With distinctive, specialized, and professional services, it connects the “last mile” of financial services.

Technology finance ignites the innovation engine. By firmly implementing the strategy of being “the first line for specialized, refined, distinctive, and innovative enterprises,” the branch established a Technology Finance Department and multiple technology-feature branches. It formed specialized service teams and launched online exclusive products such as “E-lead e-loans” and “Ke-Chuang e-loans,” building a full-cycle technology innovation finance service system. By the end of 2025, the balance of technology finance loans exceeded 16 billion yuan, serving more than 1,800 specialized, refined, distinctive, and innovative enterprises across the province, using financial liquidity to activate the “one spring of vitality” that fuels Jiangxi’s technological innovation.

Green finance protects clear waters and lush mountains. It has improved the institutional mechanisms for green finance and innovated distinctive products such as “Water-Saving Loans” and “Green-Brown Loans.” The branch applies differentiated and preferential interest rates to green enterprises. In 2025, the balance of green finance loans was 16.2 billion yuan, up 42% from the beginning of the year. The increase in loan balance ranked first among joint-stock banks in the province. Through concrete actions, it has transformed green credit into solid strength to support Jiangxi’s ecological civilization development and to help achieve the “dual carbon” goals.

Inclusive finance—solving financing difficulties. To optimize financing channels and reflect new support for inclusive finance services, the branch has always stayed true to its original intention, establishing a long-term mechanism that enables lenders to dare to lend, be willing to lend, be able to lend, and know how to lend. It insists on financial stabilization and relief with targeted irrigation. It continues iterating online inclusive products such as “Stream e-loans.” It also implements a “plain-language loan sheet,” lowering enterprises’ comprehensive financing costs in a transparent and open manner. By the end of 2025, for the fourth consecutive year, the branch’s incremental amount remained #1 among joint-stock banks in the province. It has truly achieved growth in loan scale, sustained declines in interest rates, and an expanded service coverage area.

Pension/retirement finance—protecting a happy later life. It has continued to extend the service radius for seniors. The branch has comprehensively advanced “senior-friendly” upgrades for outlets and insists on building pension/retirement financial services with warmth. It innovated the “Senior’s Station” featured branches, earning the title of “Most Beautiful Bank Outlet for Senior-Friendly Payment Services in Jiangxi Province.” Careful and considerate service has warmed senior groups. At present, more than 58,000 personal pension accounts have been opened. It carries out respect-for-the-elderly activities on a regular basis, fostering a good atmosphere of honoring and loving the elderly.

Digital finance—enhancing service quality and efficiency. To speed up the digital transformation process, the branch established a digital transformation special team, launched an “Unified e-Rong” online unified loan application and lending portal, and adopted extremely simplified operations with tiered approvals, greatly improving customer experience. Digital finance innovation achievements won the third prize in the “Tiāngōng Cup” business skills competition in Jiangxi Province, and digital transformation is driving improvements in service quality and upgrades in operational efficiency.

Finance for the people—building a better life together

For fifteen years, the Bank of Beijing Nanchang Branch has always upheld a customer-centered approach, building a full-lifecycle service system covering children’s finance, talent finance, wealth finance, and pension finance—protecting the financial needs of households across the board with professionalism and warmth.

The branch serves 860,000 retail customers across the province, with retail AUM exceeding 20 billion yuan, and its savings scale has firmly stood at the 10-billion-yuan level. Its personal retail credit business is nearly 17 billion yuan. With diversified financial products, it helps the people of Gan and Pó realize the dreams of stable living and consumption.

In 2025, the branch successfully intercepted 724 potential customers being scammed, implemented protective stoppages of payment on 858 accounts involved in cases, safeguarded the public’s funds of more than 15 million yuan, and built a solid financial anti-fraud “firewall,” effectively protecting citizens’ “money bags.”

Leveraging professional operations and full-license advantages, the Bank of Beijing Nanchang Branch has built a complete financial market business system. Its interbank services cover all 11 prefecture-level cities in the province. It has laid out a full category of bills businesses. Its custody scale has exceeded 60 billion yuan. It has rolled out a number of in-province firsts and first-time innovative businesses, injecting new vitality into Jiangxi’s financial market.

Actively fulfilling social responsibilities and continuously optimizing financial services for rural revitalization: the branch insists on industry helping agriculture, innovates and implements the Bank of Beijing’s first “Rural Revitalization Leading Enterprise Loan,” nourishing the countryside with a lively flow of financial liquidity, and interpreting the solemn commitment of “finance for good” through concrete actions. The branch provides targeted assistance to farmland villages in Dàyú County, Huanglong Town, to Zhaizhai Village in Zhongzhai Township of Qùanquán County, and to Taipingshan Village in Fútián Township of Wǔníng County. It has cumulatively donated 1.48 million yuan, supporting industrial projects such as photovoltaic power stations and mullet-duck breeding bases. In 2025, it drove village collective economic income by more than 2.9 million yuan.

Fifteen years through hardships and perseverance; fifteen years of steadfast dedication without slack. As of the end of 2025, the Bank of Beijing Nanchang Branch’s asset scale exceeded 140 billion yuan, and its deposits totaled 60 billion yuan. By fully leveraging the advantage of cross-regional financial resource allocation, it has continued to bring substantial funds in from the capital, keeping a strong growth momentum in credit deployment. In 2025, its incremental loan scale ranked steadily among the top joint-stock banks in the province. Its market share remained #1 among Bank of Beijing’s out-of-city branches, injecting strong financial momentum into Jiangxi’s economic and social development. Over fifteen years, the branch has cumulatively paid more than 3 billion yuan in taxes to Jiangxi Province, sharing prosperity with the local area through tangible contributions.

Standing at the new starting point of its 15th anniversary, the Bank of Beijing Nanchang Branch will continue to uphold the core positioning of “serving local economic development, serving small and medium-sized enterprises, and serving citizens,” and, with an even more vigorous fighting spirit and a more practical work style, deeply integrate into Jiangxi’s grand blueprint for building “three major highlands” and implementing “five major strategies,” contributing greater strength to the task of writing a new chapter in Chinese-style modernization for Jiangxi.

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