Spring tide surges through Beijing, and finance nourishes people's livelihoods. On the occasion of the National Two Sessions in 2026, standing at the historical node of the beginning of the "Fifteenth Five Year Plan", as the main force of small finance in supporting agriculture in the capital, Beijing Rural Commercial Bank takes root in the fertile land of Beijing, draws a new picture of rural revitalization with the pen of finance, enables high-quality development of the real economy with the force of innovation, and interprets finance with the warmth of the people's livelihood as the heart of the early Republic of China. In the journey of serving the construction of Chinese path to modernization capital, it has taken a forceful step forward.

All great achievements are the result of continuous struggle, and all great undertakings need to be promoted through carrying forward the past and opening up the future. This important discourse has always guided Beijing Rural Commercial Bank to adhere to its local aspirations and bravely undertake its financial mission. Looking back on the 14th Five Year Plan, the bank has deeply cultivated the urban and rural areas of the capital, accurately dripping financial vitality into various fields such as the development of agriculture, rural areas, and farmers, the growth of small and micro enterprises, and the improvement of people's livelihoods, achieving resonance between business development and the construction of the capital; Looking ahead to the 15th Five Year Plan, Beijing Rural Commercial Bank will anchor its core goals of modernizing agriculture and rural areas, improving the quality and efficiency of the real economy, and using digital transformation as its wings and product innovation as its engine, striving to write a new answer to the financial services of the capital in the new era.

The Voice of the Era of Finance Serving the Country

In the rural fields of Miyun District, the "Yinnong Direct Connection" system enables the entire process of village level fund approval, payment and settlement to be completed online; In the science and technology innovation park in the capital, the "Science and Technology Innovation Smart Loan" and "Science and Technology Innovation Chain Loan" have built efficient financing channels for technology-based small and micro enterprises... This is a vivid practice of Beijing Rural Commercial Bank rooted in the capital and serving the grassroots, and also a response to its historical initiative and financial mission.

After the 14th Five Year Plan, Beijing Rural Commercial Bank has delivered an impressive five-year report: the agricultural financial product system continues to improve, and the innovative "Phoenix Helps Fly" rural revitalization financing service brand has been launched, forming 29 agricultural characteristic products in 6 categories. The city's first pig mortgage loan and the first plant new product variety right pledge loan have been successively implemented, solving the financing problems in the breeding industry; The effectiveness of financial technology empowerment is significant, with 6 projects selected as demonstration projects for rural revitalization empowered by financial technology, making it the financial institution with the most selected projects.

The "15th Five Year Plan" proposal approved at the Fourth Plenary Session of the 20th Central Committee of the Communist Party of China outlines a grand blueprint for economic and social development in the next five years, and also points out the direction for the development of the financial industry. Beijing Rural Commercial Bank has thoroughly studied and implemented the spirit of the plenary session, closely integrated the implementation of the "15th Five Year Plan" suggestions with serving the overall development of the capital, focused on doing a good job in the "five major articles" of finance, and planned specific measures for product innovation, digital transformation, and service upgrading. The entire bank has unified its thinking, gathered consensus, and clarified direction.

The proposal for the 15th Five Year Plan emphasizes the construction of a modern industrial system and the comprehensive promotion of rural revitalization, which has pointed out the direction of our services. We hope that the planning outline will introduce more specific measures in agricultural financial support, technological financial innovation, and other aspects, so that financial institutions can better play their advantages and show their talents. The relevant business person in charge of Beijing Rural Commercial Bank stated that they will continue to focus on the development needs of the capital, making financial services more accurate, efficient, and down-to-earth.

The customer manager of Beijing Rural Commercial Bank is conducting visits to the park, commercial district, and market to promote the "visit to thousands of enterprises, enhance confidence, and provide excellent services" campaign. In the People's Bank of China's bank enterprise docking system, the number of visits and implementation ranks second and third respectively in the city; Financial assistants for rural revitalization travel to villages and towns in the suburbs of Beijing, collecting financial needs from farmers and new agricultural operators, and providing financial support for spring plowing and rural industrial development.

This year, China serves as the host of the Asia Pacific Economic Cooperation (APEC), and Beijing Rural Commercial Bank seizes the opportunity of the APEC "China Year" to optimize foreign-related financial services around the capital's opening-up pattern, and help capital enterprises participate in international cooperation at a higher level; Deeply carry out learning and education to establish and practice the correct concept of political achievements, take serving the development of the capital and improving the people's livelihood as the core pursuit, pool wisdom and strength into the strategic deployment determined by the Party Central Committee, stimulate the spirit of unity from top to bottom, gather the positive energy of really doing things, and enthusiastically invest in the practice of serving the construction of Chinese path to modernization capital.

The sound of hard work in finance

In Beijing's science and technology innovation parks, manufacturing workshops, and rural fields, the financial vitality of Beijing Rural Commercial Bank is injecting development momentum into various market entities: by the end of 2025, the balance of science and technology innovation loans will be 68 billion yuan, an increase of 24% over the previous year; The balance of green finance loans was 75 billion yuan, an increase of 13% over the previous year; Special online inclusive products such as "Phoenix eShangtong" and "Phoenix e-Loan" continue to iterate and cover more small and micro entities

2026 is the starting year of the 15th Five Year Plan. Despite the deepening impact of external environmental changes and new challenges facing domestic economic development, the basic trend of China's economy's long-term improvement has not changed, and the development advantages and vitality potential of the capital Beijing continue to be released. As a financial time-honored brand, Beijing Rural Commercial Bank has always scientifically grasped strategic opportunities and risk challenges, and worked hard to ensure a good start in financial services in the new five years.

During the longest Spring Festival holiday that just passed, Beijing Rural Commercial Bank's various branches and elderly financial service areas were busy. Behind the consumer heat released by the "Spring Festival economy" was the bank's continuous optimization of livelihood financial services: as the only agent bank for Beijing's elderly and disabled assistance cards, it has issued over 6.4 million cards, integrated the four major ecological service systems of "elderly care+legal+health+cultural tourism", and provided comprehensive services for the elderly in the capital; Optimizing elderly friendly facilities at offline branches and simplifying operational processes through online channels to bridge the digital divide in financial services; Deepen the construction of "emotional relay stations" to provide heartwarming financial services in fields, communities, and streets.

Boosting consumption and serving people's livelihoods are the key tasks of this year's economic work and also the service direction of Beijing Rural Commercial Bank. How to further optimize consumer finance products, unblock rural consumption service bottlenecks, and accelerate the cultivation of new rural consumption scenarios; How to improve financial services for new employment groups and weave a dense protection net for workers' rights and interests; How to improve the quality and efficiency of pension financial services and meet the diversified needs of the silver haired population... These are the key issues that Beijing Rural Commercial Bank has planned in the first year, and they are also the core direction of its precise financial services.

The Central Economic Work Conference clearly insisted on making progress while maintaining stability and improving quality and efficiency. The No. 1 central document anchored the modernization of agriculture and rural areas and solidly promoted the overall revitalization of rural areas. The CPC Central Committee made a series of decisions and arrangements to point out the direction for financial services and provide compliance. Beijing Rural Commercial Bank will closely follow the decision-making and deployment of the Central Committee of the Communist Party of China, transform macro policy guidance into specific financial products and service measures, and make financial services more in line with the development needs of the capital and the living needs of the people.

The surging voice of financial innovation

Beijing Rural Commercial Bank adheres to the main business of local finance and continuously improves quality and efficiency in serving the high-quality development of the capital. As a local financial institution born during the "First Five Year Plan" period, after years of development, it has always rooted itself in urban and rural areas of the capital and adhered to the original intention of supporting agriculture and small businesses. Now, in the year of the opening of the "15th Five Year Plan", it is using green finance and technology finance as the starting point to help build a modern industrial system in the capital.

The 15th Five Year Plan proposes that "building a modern industrial system and consolidating and strengthening the foundation of the real economy" be listed as the primary strategic task, which has also become the service focus of Beijing Rural Commercial Bank in the first year. The bank adheres to the essence of the real economy and invests more financial resources in key areas and weak links of the real economy. In response to the transformation and upgrading of traditional manufacturing enterprises, personalized financing services are launched to help enterprises develop towards high-end, intelligent, and green development; Targeting emerging fields such as low altitude economy and digital economy, advance the layout of financial services to help the capital's emerging industries gather momentum; In response to the development of rural industries, we have launched excellent agricultural fast loan products such as "Honey Loan" and "Watermelon Loan", providing full chain financial services from land to dining table.

This year, the leaders visited the Yizhuang National Innovation Park in Beijing for the first time to observe the display of representative scientific and technological innovation achievements; For the first time, the Central Political Bureau collectively studied and focused on the future development of industries, deeply elaborating on their significance and path direction... At the beginning, innovation became the core keyword for the development of the capital and also the core driving force for the development of Beijing Rural Commercial Bank.

Beijing Rural Commercial Bank's financial technology innovation is making services smarter and more efficient: the industry's first self-service device voiceprint technology application effectively enhances customer experience and security; Portable intelligent service devices connect the "last mile" of financial services, allowing farmers and community residents in the suburbs of Beijing to handle financial transactions without leaving their homes; Jointly establish the "Digital Reality Integration Laboratory" and the "Beijing Rural Digital Finance Development Laboratory" to create a distinctive service model of "policy+finance+technology+digital" and explore new paths for the development of rural digital finance.

Around cultivating and strengthening emerging and future industries, Beijing Rural Commercial Bank is continuously increasing its financial innovation efforts, exploring diversified financial service models, and providing full lifecycle financial services for future industrial enterprises; Improve the green financial product system to assist in achieving the capital's "dual carbon" goals; Optimize the process of technology finance services, promote efficient transformation and utilization of scientific and technological achievements... Using financial innovation as an engine, let emerging industries gather momentum, and let future industries light up the future.

The Unity Voice of Finance for the People

Accompanied by the fragrance of spring soil, rural financial assistants from Beijing Rural Commercial Bank run around the fields in the suburbs of Beijing, collecting farmers' financial needs for spring plowing preparation financing, village level fund management, and agricultural product sales settlement; In communities and parks in the capital, customer managers conduct in-depth visits to small and micro enterprises and individual businesses to understand their service demands for financing, settlement, and wealth management in their development; In the elderly care service area, staff have friendly exchanges with the silver haired group, listening to their expectations for elderly friendly finance, wealth management, and legal rights protection

Finance for the people is the original aspiration that Beijing Rural Commercial Bank has always adhered to. In the financial practice of Beijing Rural Commercial Bank deeply cultivating the capital, people's livelihood is the most core orientation. Beijing Rural Commercial Bank regards the expectations of the people as a service topic, turns their needs into innovative driving force, and launches a series of warm and powerful financial products and service measures.

In response to the financing needs of some mountainous farmers' production and operation, Beijing Rural Commercial Bank has innovated agricultural collateral and pledge methods, making "living things" a "door opener" for financing; In response to the pain points of light assets and lack of collateral for technology-based small and micro enterprises, the bank has launched intellectual property pledge loans to turn "innovation" into "hard currency" for financing; In response to the financial needs of new employment groups such as delivery drivers and food delivery drivers, the bank has optimized settlement and credit services, and woven a dense financial service network for new employment groups; In response to the anti fraud needs of the silver haired population, the bank has launched a "financial+legal" exclusive service to make financial services more secure.

From the fields of rural revitalization to the workshops and parks of the real economy, Beijing Rural Commercial Bank has always consolidated the power of finance for the people. Through various methods such as offline branches, online channels, and mobile services, it responds to the financial needs of the people, conveys financial policy voices, and demonstrates local financial responsibility; Through product innovation, service upgrades, and digital transformation, we aim to transform the warmth for the people into tangible financial services, allowing the people of the capital to share the fruits of financial development.