Time flies, and the 14th Five-Year Plan period, the first five years of a new journey to comprehensively build a modern socialist country, has come to a close in 2025. Over the past five years, the Beijing Branch of the Bank of China has consistently aligned itself with the capital's "four centers" functional positioning, closely followed the "five-pronged" development pattern, focused on its core responsibilities and main business, empowered the construction of an international science and technology innovation center with science and technology finance, promoted the capital's low-carbon transformation with green finance, and supported Beijing's "two zones" construction and high-level opening-up through cross-border finance, while accurately responding to key demands in the field of people's livelihood. In this process, the Beijing Branch of the Bank of China has not only honed its capabilities in aligning with national strategies and serving the capital's development, but also demonstrated the mission and responsibility of a major bank based in Beijing, delivering a high-quality report card that perfectly meets the needs of the capital's development.
Bank of China Beijing Branch launched a series of inclusive finance outreach activities in industrial parks.
Tech finance provides "precision irrigation" to cultivate a fertile ground for scientific and technological innovation.
Technological innovation is the core engine driving high-quality development. Over the past five years, the Beijing Branch of Bank of China has strictly implemented the requirements of the "14th Five-Year Plan" regarding the construction of science and technology finance mechanisms, product innovation, and risk coordination. It has deeply integrated into the reform practices of science and technology innovation finance in Zhongguancun, using professional financial services as its pen and innovative financial products as its ink to write a moving chapter for the capital's innovation ecosystem.
A sound and scientific mechanism is a crucial prerequisite for accurately meeting the service needs of science and technology innovation enterprises. To efficiently address the service demands of these enterprises, the Beijing Branch of Bank of China has established a three-tiered service system: a branch-level science and technology finance center, specialized secondary institutions, and branch outlets. It has set up 17 specialized science and technology finance outlets, achieving full coverage of services for science and technology innovation enterprises in the capital. Simultaneously, a professional team has been assembled to deeply cultivate key industrial sectors, proactively collaborating with VC, PE, and securities firms to build a "loan + external direct investment" matching platform. Cooperation bridges have been established at events such as the Zhongguancun Forum and the China International Science and Technology Expo. Furthermore, the Beijing Branch of Bank of China has participated deeply in the HICOOL Global Entrepreneur Summit for three consecutive years, tailoring exclusive financial products to help high-quality entrepreneurial projects take root and thrive in Beijing.
Addressing the common pain points of science and technology innovation enterprises, such as their significant asset-light characteristics and the difficulty in adapting traditional collateral methods, the Beijing Branch of Bank of China has innovatively launched distinctive products such as the "Science and Technology Innovation Spark Loan," "Specialized and Refined Innovation Loan," "Entrepreneurship Loan," and "Industry-Investment Loan," constructing a product matrix covering the entire life cycle of enterprises from "start-up to growth to maturity." Taking Beijing Yuguang Technology Co., Ltd. as an example, this company, relying on the technical background of a well-known university, focuses on the research and development of computational spectroscopy technology. This technology has broad application prospects, but as the company is in a critical stage of transitioning from equity financing to bond financing, it faces pressure from large R&D investments, high debt-to-equity ratios, and rapidly increasing capital needs. The Beijing Branch of Bank of China responded quickly, actively exploring solutions and approving a credit line of 10 million yuan for the company in a short period, promptly alleviating its operational and R&D funding pressures and accelerating the transformation of its scientific and technological achievements.
Adhering to the innovation-driven development philosophy, the Beijing Branch of Bank of China has continuously optimized its science and technology financial service system, taking multiple measures to safeguard the development of science and technology enterprises. It has signed strategic cooperation agreements with the Beijing Municipal Science and Technology Commission, the Zhongguancun Management Committee, and several district-level governments to further explore new models for science and technology finance development; actively built a government-bank-guarantee collaborative mechanism, deeply aligned with the risk compensation policy for loans to science and technology enterprises in the Beijing Economic-Technological Development Area, and collaborated with government-backed financing guarantee institutions to promote a bank-guarantee risk-sharing model, achieving the first loan under the new policy; leveraging the unique advantages of Bank of China's global service system, it provides comprehensive financial solutions, including cross-border settlement and technology M&A loans, to meet the development needs of mature enterprises, effectively reducing their overall financing costs while helping them "go global" and compete internationally. In the future, the Beijing Branch of Bank of China will continue to focus on the core goal of building Beijing into an international science and technology innovation center, further deepen innovation in science and technology financial services, provide higher-quality and more efficient financial support for the transformation and industrialization of scientific and technological achievements in the capital, and fully support Beijing in building a world-leading science and technology innovation cluster.
The first green branch of Bank of China Beijing Branch - Canal Business District Branch.
Green finance "nurtures a new chapter" and paints the background for low-carbon development.
Developing green finance is a core mission of implementing the national "dual-carbon" strategy and an inevitable choice for achieving high-quality development. During the 14th Five-Year Plan period, the Beijing Branch of Bank of China closely followed national development goals and regional development needs, continuously upgraded its financial support, safeguarded the low-carbon transformation of the real economy, achieved a win-win situation for both social and operational benefits, and contributed to the sustainable development of the economy and society.
To promote the effective implementation of green finance, the Beijing Branch of Bank of China took the lead in building a comprehensive green finance service system. Through the establishment of a green finance working group and a cross-departmental coordination mechanism, it provides enterprises with professional services across the entire chain. Targeted credit policies were formulated for specific sub-sectors such as hydrogen energy and new energy vehicles, and a "green channel" for credit granting was established to ensure priority approval and disbursement, guaranteeing that policy benefits directly reach green industries. During the 14th Five-Year Plan period, the Beijing Branch of Bank of China implemented several benchmark innovative businesses. It led the underwriting of RMB 13 billion in medium- and long-term debt financing instruments for China National Petroleum Corporation, including RMB 3 billion, the market's first "green" and "new energy" dual-labeled bond. Leveraging its comprehensive advantages in investment banking and cross-border finance, it successfully issued Mercedes-Benz's first RMB 500 million green Panda bond, opening up new pathways for green financing for overseas enterprises in China.
Closely aligning with the capital's green development plan and precisely addressing diverse needs, the Beijing Branch of Bank of China demonstrates a distinct regional service characteristic in the field of green finance. In regional development, it focuses on the green development goals of the Beijing Municipal Administrative Center, providing solid financial support for green infrastructure projects. It has innovatively established a green branch in the Tongzhou District Canal Business District, optimized its service network layout, created multiple specialized green finance outlets, and prioritized support for green projects in relevant fields. In the transportation and new energy vehicle sectors, it deeply participates in the construction of the capital's green transportation network, providing dedicated credit support for Beijing's subway lines and supporting the capital's new energy vehicle manufacturing industry by providing credit support to companies such as BAIC Foton, Li Auto, Changan Automobile, and Xiaomi. It also accelerates the development of the capital's green building industry, increasing credit support for green building development, with over 40 billion yuan in new loans disbursed during the 14th Five-Year Plan period for building energy conservation and green building. At the ecological collaboration level, the Beijing Branch of Bank of China continuously improves the risk-sharing system for green projects through a tripartite linkage mechanism involving government, banks, and enterprises, laying a solid foundation for the steady development of its green finance business. As of the end of the third quarter of 2025, the balance of the green infrastructure upgrading industry of the Beijing Branch of Bank of China exceeded RMB 200 billion, which has helped to continuously improve the air quality of the capital with tangible financial empowerment results, making the green development background more prominent.
At the centralized refund point in the departure tax refund zone at the China International Fair for Trade in Services (CIFTIS), overseas tourists can collect their tax refunds by presenting their "Tax Refund Application Form" and VAT invoice obtained after shopping at any tax refund store in Beijing.
Cross-border financial services, like "carrying a boat across the sea," demonstrate the Bank of China's international service character.
Cross-border finance is a key link connecting domestic and international markets and resources. During the 14th Five-Year Plan period, the Beijing Branch of Bank of China strictly implemented requirements for facilitating cross-border trade and supporting new business models, deeply integrated into Beijing's high-level opening-up practices, and leveraged Bank of China's global network and foreign exchange expertise to not only hone its professional capabilities in providing precise services in the trade sector but also solidify the financial support for the capital's open economy.
Bank of China Beijing Branch has been continuously promoting trade facilitation, launching a number of convenient settlement products such as "electronic document review," "direct inbound remittance," and "remittance express," covering electronic channels such as online banking, single window, mobile banking, and CIPS standard transceivers, realizing the digitalization and automation of cross-border financial services. In April 2025, Bank of China Beijing Branch participated in the world's first interoperable digital collection paperless trade document cooperation project. This business relies on a trusted trade collaboration network, exporting canned food through a B2B cross-border e-commerce model. The project achieves efficient and secure flow of digital trade documents such as electronic bills of lading among multiple parties, covering the digital transformation of the entire international trade process. Real-world testing shows that document flow costs have been reduced by approximately 30%, effectively preventing fraud and loss risks. In the future, Bank of China Beijing Branch will promote this pilot model, providing more enterprises with comprehensive online international settlement and trade finance services across all scenarios, channels, and processes.
As China's institutional opening-up deepens, the importance of RMB internationalization is becoming increasingly prominent, and cross-border RMB transactions are gradually becoming a crucial option for enterprises to reduce financing costs and mitigate exchange rate risks. Since the launch of the cross-border RMB pilot program, the Beijing Branch of Bank of China has taken the lead and set an example, achieving several industry firsts in the implementation of innovative businesses: it was the first in the region to register the first cross-border two-way RMB capital pool, providing an efficient channel for multinational companies to manage cross-border funds; it successfully served the first domestic securities firm's "Bond Connect" settlement business, facilitating cross-border securities investment under the interconnectivity mechanism; and it was the first in the region to handle the first all-RMB capital injection for a foreign-funded banking financial institution, providing convenient investment and financing support for overseas financial institutions to establish themselves in the capital. The pioneering implementation of a series of benchmark businesses not only demonstrates the branch's professional expertise and innovative capabilities in the field of cross-border RMB transactions but also provides strong practical support for the improvement and upgrading of the capital's cross-border financial infrastructure.
To further enhance payment convenience for overseas visitors to China, the Beijing Branch of Bank of China has created the nation's first "three-in-one" innovative service product, the "MiFang Card." This product simultaneously meets the three basic needs of inbound tourists: payment, communication, and travel. Through this innovative attempt at cross-border integration of communication and payment, it contributes to the construction of Beijing as an international exchange center. The Beijing Branch of Bank of China also focuses on "deepening scenario cultivation," serving as the exclusive "Global Partner" for the banking industry at the China International Fair for Trade in Services (CIFTIS) for five consecutive years. Integrating domestic and international channel resources, through significant strategic signings, innovative service implementation, and in-depth industry empowerment, it comprehensively demonstrates the global service capabilities of a major state-owned bank and its financial responsibility in the capital. During the 2025 CIFTIS, the Beijing Branch of Bank of China focused on the construction of Beijing's "four centers" functions and the development strategy of the digital economy, reaching numerous high-value strategic cooperation agreements and injecting strong financial momentum into key areas of development.
The Xizhimen branch of the Xicheng branch visited a senior living community to carry out a financial consumer rights protection campaign themed "Safeguarding the financial security of the elderly and conveying the warmth and care of Bank of China."
"Ecosystem building" in the field of people's livelihood meets the diverse financial needs of citizens.
Finance is a vital support and source of vitality for improving people's livelihoods, connecting the "main artery" of economic development with the "micro-circulation" of people's lives. During the "14th Five-Year Plan" period, the Beijing Branch of Bank of China broke down resource barriers in the field of people's livelihoods by using diversified products, inclusive services, and innovative models, and precisely channeled financial resources to key scenarios where people urgently need assistance.
Based on its role as the capital city, the Beijing Branch of Bank of China deeply integrates social responsibility into its business development, continuously exploring and practicing in the fields of public welfare services and rural revitalization, making financial services both warm and effective. In response to Beijing's classification and assessment of individual businesses, the Beijing Branch of Bank of China innovatively launched the "Specialty, Specialty, and New Loan" product. Taking "Fubei Manyi Farmhouse" in Changziying Town, Daxing District, as an example, the business faced a funding gap due to increased customer traffic requiring renovations and upgrades to environmental protection equipment. The Beijing Branch of Bank of China quickly matched the business with credit support through the "Specialty, Specialty, and New Loan," helping the business complete the renovation and upgrade. The project not only boosted the farmhouse business but also indirectly increased the sales of agricultural products from surrounding farmers through "localized ingredient procurement," forming a virtuous cycle of "finance + agriculture + tourism."
Small and micro enterprises are the "capillaries" of the urban economy and a key target of inclusive finance. During the 14th Five-Year Plan period, the Beijing Branch of Bank of China continued to innovate its products, directly addressing the actual needs of enterprises and tailoring service solutions to deliver precise financial support through innovative products such as "Industrial Park Loans" and "High-tech Loans." The Beijing Branch also deepened its digital transformation, launching a number of convenient and efficient online financing services, optimizing approval processes, and effectively solving the problems of "difficult and expensive financing" for small and micro enterprises. As of the end of September 2025, the outstanding balance of inclusive small and micro enterprise loans at the Beijing Branch of Bank of China exceeded 80 billion yuan, benefiting more than 10,000 market entities.
Elderly care services are crucial to the well-being of countless families, and the Beijing Branch of Bank of China extends its warmth to every aspect of the elderly care experience. In supporting individual retirement planning, the Beijing Branch continuously improves its service offerings, launching diverse age-friendly products to provide senior customers with diversified investment options. It also regularly holds financial literacy lectures to enhance customers' understanding of products and their ability to identify risks, alleviating the challenges of retirement planning while conveying care for the elderly, making retirement life more fulfilling and reassuring. Regarding industry development, the Beijing Branch continues to increase its support for the elderly care industry. It organized 22 government agencies, institutions, and enterprises to participate in the 12th China International Fair for Trade in Services (CIFTIS) China Silver Economy Transaction Matching Conference, and jointly launched the "Xicheng District Elderly Care+" project with six local elderly care-related enterprises in Xicheng District. The project clarifies its core positioning of "integrated medical and elderly care, data empowerment, and cultural enrichment for the elderly," integrating resources from institutional care, home-based rehabilitation, smart elderly care, financial services for the elderly, and cultural education to provide a "one-stop" elderly care solution for seniors in Xicheng District, filling the gaps in fragmented services from single institutions.
Culture is the soul of a city. The Beijing Branch of Bank of China leverages its financial power to empower the cultural industry, actively participating in projects such as the renovation and upgrading of Universal Beijing Resort and the Longfu Cultural District. Targeting the characteristics of cultural enterprises, the branch selected the Guohua Building Sub-branch in Dongcheng District as a special sub-branch for the National Cultural and Financial Cooperation Demonstration Zone. Through process optimization and fee reductions, it provided financial support for cultural and creative projects, intangible cultural heritage preservation, and cultural tourism integration within the region. Relying on its "one-stop" service system, the Beijing Branch of Bank of China not only provides financing services to cultural enterprises but also collaborates with various cultural platforms and investment institutions to help enterprises connect with resources and transform IP value. From supporting the inheritance and innovation of intangible cultural heritage to facilitating the successful implementation of cultural tourism projects, financial services are no longer simply about providing funds; they have become a "connector" for the high-quality development of the cultural industry, bringing more outstanding cultural achievements into the lives of the public and enriching the spiritual and cultural needs of the capital's citizens.
As a major state-owned bank serving the development of the capital, the Beijing Branch of Bank of China has always aligned its operations with the capital's development in the new era. Standing at the new starting point of the upcoming 14th Five-Year Plan and the planning and preparation for the 15th Five-Year Plan, the Beijing Branch of Bank of China will continue to deepen financial innovation, improve the quality of its services to the real economy, and expand the breadth and depth of strategic cooperation, contributing even stronger financial power to Beijing's development as a "four centers," its creation of an international consumption center city, and the high-quality development of its digital economy.
(Data source: Bank of China Beijing Branch)
