On the shores of the South China Sea, where winds blow and tides surge, in Shenzhen, a vibrant city brimming with innovation, technological "peaks" stand tall, industrial "forests" thrive, and financial "waters" flow vigorously. Ningbo Bank's Shenzhen Branch consistently upholds the service philosophy of "customer-centricity," innovatively creating a four-pronged empowerment system of "professionalism, digitalization, integration, and internationalization." Through a five-pronged service system—"helping customers make money, helping customers save money, helping customers manage money, helping customers find money, and helping employees achieve a better life"—it vividly practices the "five major tasks" of financial services supporting the real economy, contributing to high-quality economic and social development.
Fintech: Developing New Customer Acquisition Strategies
When expanding their overseas orders, technology companies often lack access to potential buyer information and real transaction data, making it difficult to efficiently identify changing business opportunities. Ningbo Bank's "Bobo Zhiliao," a one-stop comprehensive platform for enterprises, includes an "Overseas Customer Acquisition Assistant" function. This function helps companies access compliant data sources from over 200 countries overseas, providing features such as "product search" and "company search," meeting the personalized needs of import and export companies to acquire new overseas orders and understand industry trends. The upgraded "AI Foreign Trade Customer Acquisition" tool is a self-developed tool based on deep learning of the behavioral data of experienced foreign trade professionals. By configuring an AI agent, it collects contact information in real time and automatically sends business emails, effectively helping companies to acquire overseas customers in bulk and obtain new orders. This allows companies to focus their existing foreign trade teams' valuable energy on high-value tasks such as customer communication and order conversion.
Shenzhen ZRY Electronics Technology Co., Ltd., whose main business is cross-border trade, had its marketing videos customized by Ningbo Bank's Shenzhen branch based on materials provided by the client, using a self-developed AI model. These videos align with the content recommendation mechanisms of short video platforms and can be precisely targeted to overseas social media platforms such as Facebook, Instagram, and TikTok, achieving efficient dissemination and precise traffic generation. This effectively helps businesses save approximately 90% of their short video production time, manpower, and costs, truly achieving "easier operation, faster results, and measurable effectiveness."
In November, the bank successfully hosted the launch meeting of Xiaohongshu's "Red Cat Plan" and a brand e-commerce expansion matchmaking event, inviting representatives from the Shenzhen Municipal Bureau of Commerce, Xiaohongshu's commercialization channel department, and official service providers to interpret policy trends on-site. The event attracted representatives from nearly 100 leading regional technology companies, including GX Electronics, to discuss how to leverage the power of "product seeding" (product recommendation) to open up new customer acquisition channels for consumer goods companies and continuously empower brand growth in the wave of the digital economy. To date, the "Bobo Zhiliao" platform has provided high-quality services to over 10,000 companies in the Shenzhen area.
Green Finance: Reconstructing a New Business Ecosystem
In today's era where "dual carbon" goals are driving profound changes in China's economy, Ningbo Bank's Shenzhen branch, focusing on enterprises' management needs for "cost reduction and quality improvement," has launched "ESG and Dual Carbon Services." Through joint development of a high-quality carbon database with internationally renowned carbon service providers, the service supports enterprises in intelligently calculating "organizational carbon" and "product carbon," and provides experienced experts to offer online or on-site guidance, significantly lowering the barrier to carbon accounting for businesses. Based on accurate carbon accounting data, companies exporting to the EU can efficiently complete their carbon tariff (CBAM) declarations through this platform, reducing declaration costs by over 80% and saving over 60% in declaration time.
It is understood that this initiative connects companies like ZS Paper Co., Ltd. with external suppliers, assists clients in building internal ESG management structures, provides one-stop services such as pre-disclosure assessment, disclosure guidance, and post-disclosure upgrades, and issues professional ESG reports, reducing the average time required for companies by 50%.
Shenzhen BD Medical is a nationally renowned medical equipment brand. Its office building's annual energy costs exceeded 1 million yuan. By utilizing its "Smart Water, Electricity, and Gas" service, the company received energy diagnostics and customized service solutions, helping it save 79,500 yuan per year on electricity bills and achieve its energy conservation and cost reduction goals. "Smart Water, Electricity, and Gas" can help clients save 5%-20% on water, electricity, and gas costs annually, benefiting over 1,200 large enterprises and institutions, cumulatively saving clients 167 million yuan in water, electricity, and gas costs, and reducing carbon emissions by 2.6 million tons.
Inclusive Finance: Exploring New Financing Paradigms
Ningbo Bank's Shenzhen branch actively practices inclusive finance, employing multiple measures to serve the diversified financing needs of micro and small enterprises. It has established 19 professional teams covering all 10 districts of the city, with over 200 members led by branch managers, to conduct in-depth visits to thousands of enterprises and special projects such as "Visiting Thousands of Enterprises and Households" and "Entering Industrial Parks, Chambers of Commerce, and Associations." By assigning specific responsibilities to individuals based on street grids, the bank has established a regular communication mechanism with district development and reform departments and street offices, actively promoting financial support policies and ensuring precise implementation of financing services to promptly respond to enterprise needs. As of the end of November, the bank had visited over 1,000 clients, providing over 3.8 billion yuan in credit support to 528 micro and small enterprises, effectively addressing the problems of "difficult and slow financing" and efficiently helping enterprises "find money."
As one of the first pilot banks for the "Park Loan" program, Ningbo Bank's Shenzhen branch has partnered with Tsinghua Information Port Park. Addressing the pain points of early-stage R&D and human resource investment, as well as the asset-light nature of science and technology enterprises in the park, the bank has innovatively launched a customized financing solution—the "Park Loan + Batch Guarantee" business model—offering "fast approval, flexible credit lines, and favorable costs." This model provides differentiated and scenario-based financing solutions for enterprises within the park. Shenzhen WZJ Biotechnology Co., Ltd., an AI-driven pharmaceutical company specializing in gut microbiota, leverages gut microbiota and AI technology to develop microbiome-based drugs, providing precise and personalized management solutions for the gut health of Chinese people. With the continuous expansion of its drug pipeline, the company faced increased R&D funding. The bank proactively offered its services, tailoring a comprehensive financial solution for the company, ultimately securing a 5 million yuan credit line, providing timely financial support for the company's R&D innovation. Currently, the bank has added four more pilot parks—Zongtai Sunshine Advanced Intelligent Manufacturing Park, "Tianjian Yuntu Innovation Center," Shenzhen Dabaihui Life and Health Industrial Park, and Shenzhen Pingshan High-tech Zone Industry-University-Research Base—to replicate and promote this model.
Pension Finance: Depicting a New Vision for Happiness
Ningbo Bank's Shenzhen branch, relying on 23 "Youth Cavalry" volunteer service teams, proactively reaches out to grassroots communities, creating convenient financial service windows right at people's doorsteps. This delivers warmer and more convenient financial services precisely to businesses, communities, schools, and commercial districts, effectively improving the financial literacy and risk awareness of the elderly. Targeting senior citizens, the bank, in collaboration with Shenzhen Changqing University for the Elderly and other organizations, is hosting the inaugural Greater Bay Area Senior Model Competition in 2025. This provides a comprehensive platform for self-expression, cultural exchange, industry integration, and financial education, innovatively implementing its commitment to providing comprehensive financial services for senior citizens.
During the event, Ningbo Bank's Shenzhen branch, together with the city's senior citizen university and the event's directing team, established a working group to jointly promote the event's progress and precisely link event information with financial services to customers. From meticulous pre-event makeup and styling and professional advice on outfit coordination to on-site process guidance and material supply support, the assistant team was online and available at any time, providing thoughtful and considerate support to alleviate nervousness. This allowed the "silver-haired trendsetters" to shine confidently on stage without any worries, injecting a warm and reassuring atmosphere into this fashion extravaganza.
Digital Finance: Ushering in a New Chapter of Digital Intelligence
Driven by the global digital wave, technologies such as artificial intelligence and big data are profoundly reshaping the models and efficiency of corporate financial management. Since the beginning of this year, Ningbo Bank's Shenzhen branch has held nearly 50 themed events, including "DeepSeek Empowering Financial Practice" and "AI Digital Finance Practice Seminar," to deeply explore AI-enabled financial digitalization with enterprises, helping them achieve cost reduction, efficiency improvement, and intelligent decision-making. Regarding efficient fund management and risk control, the bank provides enterprises with comprehensive, intelligent, and visualized fund management solutions through a series of digital treasury service systems, such as "Kunpeng Treasury" and "Treasury Steward." The continuously upgraded "Kunpeng Treasury" and "Treasury Steward 2025 Edition" platforms have provided efficient and secure financial digitalization solutions to over 700 groups and 105 listed companies, helping them achieve refined and intelligent upgrades in fund management and financial operations. To date, the transaction amount of related treasury systems has exceeded 1.3 trillion yuan, effectively helping enterprises "manage their money."
SCJ is a state-owned listed company under the municipal government, focusing on the urban transportation sector. Based on big data analysis of transportation, it provides comprehensive urban transportation solutions, thus requiring unified management of fund transfers, visualization, and payroll disbursements. "Treasury Manager" enables clients to connect 28 branches, 4 banks, and 54 accounts through a single access point, helping companies achieve visibility and control over domestic funds.
Looking ahead, we are about to usher in the first year of the 15th Five-Year Plan and the APEC Summit to be held in Shenzhen. Ningbo Bank's Shenzhen Branch will focus on its core responsibilities, deeply cultivate the local market, serve the real economy, profoundly grasp the key points of high-quality development of financial services, empower technological and industrial innovation, continuously promote digital transformation, continuously enrich the fertile ground for a better life, and continuously make new contributions to the high-quality development of the regional economy and society.
