As a state-owned financial enterprise under the Beijing municipal government, Huaxia Bank has always prioritized serving the capital's development. This year, Huaxia Bank launched ten major initiatives covering key areas such as business development, cost reduction and efficiency improvement, risk control, internal management, and work style improvement. The most important of these is the "Beijing-Huaxia Action": fully leveraging various resources to create a "home advantage" in the capital region and actively integrating into the capital's development. Since the implementation of the "Beijing-Huaxia Action," Huaxia Bank has focused on serving the construction of Beijing's "four centers" functions, continuously increasing its financial resource support. With technology finance and green finance as its distinctive approaches, it simultaneously activates consumption potential and strengthens the foundation for regional collaboration. Through hundreds of billions of yuan in funding, professional service mechanisms, and a full-chain product system, it injects strong financial vitality into the capital's high-quality development. As of the end of October, it had provided a cumulative total of 400 billion yuan in various investment and financing services to the Beijing area by 2025, representing a year-on-year increase of 13%.
Science and technology finance as the core to empower the cultivation of new productivity
Technology finance is the core engine for Huaxia Bank to serve the new quality productivity of the capital. In 2025, Huaxia Bank elevated technology finance to a strategic level across the entire bank, clearly defining "building a distinctive technology finance model" as a key development focus. A specific work plan was formulated to align with the construction of the Beijing International Science and Technology Innovation Center, establishing a "1+23" grid-based service system—with the Beijing Branch's Technology Finance Center coordinating 23 technology-focused branches throughout the city to achieve full coverage of technology finance resources. Building on this foundation, Huaxia Bank actively cultivated a "technology network," signing cooperation agreements with leading institutions such as Zhongguancun Development Group and the Beijing Stock Exchange, and collaborating with guarantee and venture capital institutions to provide integrated solutions for science and technology innovation enterprises.
Targeting the characteristics of technology companies—"asset-light, high-growth, and long-cycle"—Huaxia Bank has built a product matrix covering the entire lifecycle of enterprises. From "Science and Technology Innovation Easy Loan" and "Intellectual Property Loan" in the early stages, to "Investment-Linked Loan" and "R&D Loan" in the growth stage, and "M&A Loan" and underwriting of technology innovation bonds in the mature stage, it precisely addresses the financing pain points of enterprises. Its self-developed "Technology Capability Evaluation Model" and "Patent Value Assessment Model" further break through the limitations of traditional risk control, enabling 24/7 online approval. In May 2025, Huaxia Bank launched its first batch of interbank market technology innovation bonds, one of which was invested in Yizhuang Guotou to support the leading industries in the Beijing Economic-Technological Development Area, such as next-generation information technology and biotechnology. In 2025, Huaxia Bank cumulatively provided nearly 400 million yuan in credit loans to Moore Threads, assisting its technology R&D iteration and enabling the application of domestically produced high-performance GPU chips in supercomputing centers.
As of the end of October 2025, Huaxia Bank's outstanding loans to technology-based enterprises reached nearly 240 billion yuan, with a growth rate of nearly 50%, serving more than 8,400 customers. In Beijing alone, it provided more than 2.6 billion yuan in special relending to nearly 100 science and technology innovation enterprises, providing solid support for the development of high-tech industries such as the digital economy and artificial intelligence.
Green finance underpins the construction of a beautiful Beijing
In the field of green finance, Huaxia Bank is contributing to the construction of a "Beautiful Beijing" through a comprehensive strategy. Huaxia Bank considers green finance and fintech as two of its key strengths, establishing an organizational structure with a Green Finance Management Committee at its headquarters coordinating efforts and 19 key branches working together, supported by differentiated performance evaluation and pricing policies. As of the end of September 2025, its green finance balance exceeded RMB 490 billion, and its green loan balance exceeded RMB 350 billion, accounting for nearly 16% of its total loans, ranking among the top in the industry.
In practice, Huaxia Bank has collaborated with the World Bank to implement air pollution control projects in the Beijing-Tianjin-Hebei region exceeding 10 billion yuan, which can reduce carbon dioxide emissions by 2.88 million tons annually. It has also focused on green building and clean energy, providing over 10 billion yuan in funding for key projects such as the Beijing Infrastructure Investment Group's Dongba vehicle base and the Beijing Drainage Group's photovoltaic project. Furthermore, it led the underwriting of green asset-backed notes (quasi-REITs) projects (the only joint-stock bank in Beijing to lead the underwriting of such products in the past three years), reaching 2.091 billion yuan. In addition, leveraging its headquarters relocation, Huaxia Bank has increased its support for green infrastructure construction in the Beijing Municipal Administrative Center and partnered with the Asian Development Bank to launch a low-carbon development project for industrial parks, injecting long-term, low-cost funds into the construction of "zero-carbon parks." On September 12, 2025, at the "2025 China International Fair for Trade in Services Financial Sector 'Beijing Services' Release" event held by the Beijing Municipal Financial Office, Huaxia Bank's green financial service case, "'Two Mountains' Guiding 'Carbon' to Find a New Path," was successfully selected as an outstanding case of "Beijing Services."
Consumer finance is playing a crucial role in illuminating the landscape of an international consumption center.
To support Beijing's development as an international consumption center, Huaxia Bank has precisely aligned itself with the "benefiting people's livelihoods and promoting consumption" strategy, formulating a special work plan and launching 18 key tasks. In supporting major projects, it has injected financial momentum into consumption landmarks and infrastructure projects such as Pinnacle Park and Universal Studios North Hub; it has also deeply participated in the second and third phases of Universal Studios theme park construction, activating new hotspots for cultural and tourism consumption. In supporting cultural consumption, it has implemented the "Time-Honored Brand Action Plan," providing comprehensive credit lines to enterprises such as Shoulu Group and Shougang Group, and conducting cross-industry activities such as Quanjude intangible cultural heritage experiences and arts and crafts VIP salons to help time-honored brands break out of their traditional boundaries and revitalize themselves. In terms of scenario integration, it has partnered with supermarkets such as Beijing Animal Husbandry and Yonghui Supermarket to launch discount activities, benefiting over 200,000 customers; it has collaborated with the Bird's Nest to create a dedicated consumption scenario for concerts, attracting 1.58 million participants and driving transaction volume exceeding 10 billion yuan; it has partnered with the King of Glory Professional League to hold its annual finals at the Bird's Nest, attracting over 60,000 fans to participate on-site, using e-sports popularity and "ticket stub economy" to boost youth consumption; and it has exclusively sponsored the E-TOWN Robot Consumption Festival, igniting enthusiasm for smart living consumption.
Meanwhile, by implementing POS foreign card acquiring and launching an English version of mobile banking, it serves more than 50,000 international users, enhancing the capital's "financial business card" for consumption through internationalized payments.
Collaborative financial bridging strengthens the foundation for development in the Beijing-Tianjin-Hebei region.
In the field of coordinated development of the Beijing-Tianjin-Hebei region, Huaxia Bank has solidified the foundation for regional development through its head office and branch linkage system. Since 2025, Huaxia Bank has provided nearly 90 billion yuan in investment and financing services for key projects in the coordinated development of the Beijing-Tianjin-Hebei region, representing a year-on-year increase of 31%. At the capital city level, the "Jinghua Action" was launched to achieve full coverage of services for 37 state-owned enterprises in the capital, and loans exceeding 4.8 billion yuan were provided to 16 key projects under the "3 x 100" initiative. Regarding the relocation of non-capital functions, dedicated financial services were provided for projects such as the relocation of Shougang Group and the Dahongmen Garment City, supporting enterprises such as Shoufa Group and Tianjin Port, thus strengthening the foundation for regional transportation integration. In terms of the construction of the "two wings" (Beijing, Tianjin, and Hebei), the main structure of the headquarters building of the Beijing Municipal Administrative Center was completed 45 days ahead of schedule, and over 2 billion yuan in new credit lines were granted to projects in Tongzhou, while also providing financial support for the relocation of central enterprises to Xiong'an New Area. In terms of industrial synergy, a 30 billion yuan credit line was secured for the Tianjin-Weifang-Suqian high-speed railway, supporting "vegetable basket" projects such as the Hebei Shouheng Logistics Park, using supply chain finance to help upgrade industries in the three regions.
In the future, Huaxia Bank will focus on the capital's "15th Five-Year Plan" blueprint, continue to deepen the "Beijing Action", and serve the construction of the capital's "four centers" and people's livelihood with a more precise strategic layout, more innovative financial products, and a more efficient service system, so as to continuously contribute financial strength to the capital's early realization of basic socialist modernization.
