Anchoring the entity's origin, Bohai Bank Transaction Banking activates new vitality for industrial development through scenario-based finance.

Financial services for the real economy are fundamentally about accurately matching industrial needs and deeply embedding into development scenarios. As a transaction bank, Bohai Bank adheres to the supply-chain development philosophy of “industry as the foundation, scenarios as the pulse, integration of internal and external sides, and treasury capability empowerment.” Centered on scenario-based finance, it deeply embeds financial services into every sector and every link of the real economy. Through continuous innovation in products, services, and models, it builds tailored financial solution packages that suit the needs of different industries. In 2025, Bohai Bank’s transaction banking business saw deployments exceeding 1 trillion yuan both on- and off-balance-sheet, injecting momentum into high-quality industrial development with precise financial supply, and becoming a typical practice for financial institutions to go deep into and serve the real economy.

**　　 Anchoring foundational industries and keeping the “micro-circulation” of the real economy flowing**

Foundational industries are the cornerstone of real-economy development, and their operational efficiency directly affects the overall picture of economic and social development. Bohai Bank’s transaction bank focuses on people’s livelihood-based foundational industries such as water, electricity, coal, gas, oil, and transportation. It discards traditional financial service models that are homogeneous, deeply integrates scenario-based financial services into the full operational process including industrial procurement, settlement, and financing, and links up a service closed loop from basic settlement to capital financing. This enables financial services to precisely match the real, urgent needs of industrial operations.

For enterprises in areas such as power and logistics transportation that have frequent capital demand, the bank deepens strategic cooperation with leading companies in the industry, and launches exclusive financial service product offerings to ensure efficient response and implementation of financing needs. It effectively activates companies’ cash flow and reduces the cost of capital occupation. In fields such as aviation, water services, and city gas, through targeted financial product innovation, it tackles settlement bottlenecks that have long existed in industries, providing solid financial support for the stable operations of foundational industries and continuously keeping the “micro-circulation” of the real economy flowing.

**　　 Deepening efforts in the green track to activate momentum for industrial upgrading**

Implementing the green development philosophy and promoting the green transformation and upgrading of traditional industries is an important direction for high-quality real-economy development. Bohai Bank’s transaction bank deeply integrates the concept of green finance with a scenario-based finance model. Based on the development characteristics of traditional sectors such as agriculture and forestry, it innovates supply-chain financial service models to drive the transformation of traditional industries toward greenness and sustainability, achieving coordinated enhancement of both ecological and economic benefits.

Given the “small amount, high frequency, and dispersed” settlement and financing characteristics of the featured agricultural industry chain, the bank builds an exclusive green supply-chain financial solution. Relying on the credit of core enterprises to empower upstream entities in the industry chain, it significantly shortens companies’ receivables collection cycles and improves the overall operating efficiency of the industry. At present, this innovative model has been replicated and promoted across multiple featured agricultural sectors. It not only activates the entire industry chain, but also helps featured agricultural industries in rural areas develop in a greener direction, making scenario-based finance an important driving force for green upgrading of industries.

**　　 Focusing on inclusive small and micro businesses to nurture the vitality of market entities**

Small and micro enterprises are the capillaries of the real economy. Activating the development vitality of small and micro businesses is a key lever for promoting high-quality real-economy development. Bohai Bank’s transaction bank, taking digital transformation as an opportunity, builds a universal inclusive finance service model of “credit penetration of core enterprises + end-to-end online enablement.” It extends the reach of scenario-based financial services to the end of the supply chain, and precisely addresses the industry pain points of “hard to obtain financing, slow financing, and expensive financing” faced by small and micro enterprises.

Backed by the credit endorsements of core enterprises in the industrial chain, the bank enables fully online operations for the entire process of inclusive financial services: efficient approvals for financing applications and fast disbursement of funds, greatly improving small and micro enterprises’ capital turnover efficiency. In light of the characteristics of industrial clusters and development in industrial parks, it also innovates and launches a “one park, one policy” digital supply-chain solution. This builds an exclusive financial service platform for the parks, not only stabilizing the chain of industrial clusters within the park, but also enhancing the park’s industrial development and招商 competitiveness. With the power of scenario-based finance, it continues to nurture the development vitality of market entities.

**　　 Innovating cross-border services and building bridges for dual-circulation integration**

Under the new development pattern in which domestic and international dual circulation reinforce each other, keeping cross-border capital and finance channels flowing and helping enterprises better participate in global market competition is an important extension of financial services for the real economy. Bohai Bank’s transaction bank continues to increase its efforts in scenario-based innovation in the cross-border financial field. In 2025, the volume of international settlement exceeded one hundred billion US dollars. With professional scenario-based financial services, it builds efficient financial bridges for enterprises to “go global” and “bring in” from abroad.

As the first CIPS direct-participating institution in Tianjin, the bank makes full use of its geographical location and professional advantages. It innovates a cross-border financial service model featuring multi-party coordination, and has successfully delivered multiple major cross-border financing projects. It has also introduced an “one household, a hundred instruments” innovative service, building a visualized cross-border funds remittance and collection/payment management system, significantly improving the speed of cross-border remittance arrival, and optimizing enterprises’ cross-border financial management experience. Through scenario-based financial innovation, cross-border capital flows become more efficient and more convenient, helping enterprises deeply integrate into global industry chains and supply chains.

**　　 Building a smart treasury to extend the dimensions of enterprise services**

The efficiency of corporate capital management directly relates to the quality of business and development. Bohai Bank’s transaction bank, based on the practical needs of enterprise digital and group-level capital management, extends scenario-based financial services into internal corporate management processes. It builds the “Bohai Treasury” smart financial service platform, providing full-function treasury management solution packages to help enterprises achieve centralized and refined capital management.

The platform constructs a multidimensional intelligent service hub, featuring functions such as intelligent workflow services and decision analytics, fully matching the enterprise treasury management needs. Since going live, the platform has covered 204 enterprises across 13 provinces nationwide. The coverage rate of state-owned enterprises in Tianjin reached 42%. It has successfully supported multiple large enterprises in completing unified internal fund allocation and centralized management within their groups. In this way, financial services have been extended from simple capital financing to all dimensions of enterprise operation and management. It achieves deep integration between scenario-based financial services and the development needs of enterprises.

With its practice of deepening the real economy through scenario-based finance, Bohai Bank’s transaction bank has received broad recognition from the market and the industry. It has won multiple industry honors, including the “Best Trade Finance Product Innovation Banking Award,” the “Best Supply Chain Finance Product Innovation Award,” and the “China Treasury Construction Outstanding Banking Award (Junan),” among others. Its explored integrated model of “industrial scenarios + financial services” also provides a reference approach for the financial industry to serve the real economy.

A relevant负责人 of Bohai Bank’s transaction bank stated that, in the future, it will continue to stay rooted in the fundamental mission of serving the real economy, deepen efforts in the scenario-based finance field, and continuously deepen product and service innovation around the needs of industrial development. It will keep extending the touchpoints of financial services and enrich the content of scenario-based services, making financial services more aligned with real conditions of industrial development. With more precise financial supply to activate new vitality in industrial development, it will help promote high-quality development of the real economy, and work with bank-enterprise partners to achieve mutual benefit, win-win outcomes, and coordinated development.

(Editor: Wang Lei)

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