CBHB (09668) has recently issued a formal "Work Plan for Financial Support to the Service Sector Development," outlining financial support directions, pathways, and measures across five major professional tracks: technology finance, green finance, inclusive finance, pension finance, and digital finance. The plan targets key industries including modern logistics, healthcare, cultural, sports and tourism, consumer finance, financial leasing, and cross-border finance.
As of the end of June 2026, the bank's on-and-off-balance-sheet business balance in the service sector had reached 900 billion yuan, primarily covering areas such as business services, wholesale and retail, modern logistics, healthcare, information services, technology services, and the pension industry. With the implementation of this plan, CBHB is promoting a scenario-based, digital, and ecological financial service model to drive the high-end extension of producer services and the quality upgrade of consumer services.
Focusing on the Upgrading of Producer Services to Forge New Anchors in Industrial Chain Finance
In the realm of technology finance, the plan pushes for the concentration of financial resources in technology R&D and software information services, promoting adapted products like intellectual property pledge financing and R&D loans. In green finance, the plan accelerates the construction of a "green entity, green asset, green investment" system and expands green asset securitization. For financial leasing, a distinctive industry in Tianjin, the plan clarifies the expanded use of securitization tools like Asset-Backed Commercial Paper to smooth channels for equipment renewal and technology upgrade financing. In inclusive finance, the plan targets small and micro entities in wholesale, retail, accommodation, and catering with innovative online credit products to enhance financing accessibility. In consumer finance, the plan proposes the full implementation of fiscal discount policies for personal consumer loans and deepens scenario-based consumer credit cooperation with mainstream e-commerce platforms.
Supply Chain Finance Breakthroughs in Producer Services
In the specific practice of producer services, the innovation breakthrough in supply chain finance is particularly prominent. In the modern logistics sector, the plan focuses on multimodal transport, smart warehousing, and cold chain logistics, innovating products like order financing and warehouse receipt financing to address the fast capital turnover of logistics enterprises. Guided by this, CBHB has officially launched "Order e-Loan." To tackle the core pain point of cold chain industry merchants lacking collateral and credit enhancement channels, this product breaks traditional credit logic by using data such as merchants' real purchase and sale orders, long-term transaction flows, and historical performance records as the core credit basis. It also deeply integrates AI and IoT technology to build a full-process intelligent supervision system, successfully connecting the entire capital chain for imported frozen products in Tianjin Port, from arrival, warehousing, and trading to distribution.
Synergistic Promotion of Cross-Border Finance and Logistics
The coordinated promotion of cross-border finance and cross-border logistics is also a highlight. The plan proposes the full implementation of service trade facilitation policies, leveraging the direct participant qualification of CIPS to provide efficient settlement channels for service trade enterprises, and using an integrated domestic and international framework to offer comprehensive financial support for service enterprises expanding overseas. In modern logistics, cross-border logistics is a key direction. CBHB, relying on its new-generation domestic letter of credit online system, has successfully handled the first railway freight bill business for the China-Europe Railway Express in the Anhui region, effectively relieving corporate capital pressure, reducing comprehensive operating costs, and improving capital settlement efficiency, thereby opening up digital freight financing channels for the China-Europe Railway Express scenario.
Building a Full-Cycle Financial Service Ecosystem for the Healthcare Sector
In the healthcare field, the plan proposes constructing an integrated financial service ecosystem covering "R&D-production-circulation-terminals" and promoting a "loan-equity linkage + industry banking" model. Guided by this, CBHB has focused on key links such as technology R&D, production circulation, and terminal services, creating a full-cycle financial service system covering pharmaceutical companies, distribution enterprises, and medical institutions. For upstream pharmaceutical manufacturers, it provides capital support for new drug R&D, capacity expansion, and industry consolidation, along with supporting industrial M&A services. In the midstream circulation segment, it offers diversified combined payment tools to meet the settlement needs of centralized procurement and adapt to the payment cycles of suppliers of different sizes. At the terminal medical service end, it helps medical institutions flexibly extend payment cycles while simultaneously providing upstream distribution companies with rapid capital realization channels, enabling capital recovery immediately after supply.
Deepening Consumer Service Scenarios to Activate Domestic Demand and Livelihood Security
In the pension finance sector, the plan proposes optimizing exclusive services for the elderly, expanding into scenarios like public transport and senior universities, and comprehensively using tools like fixed asset loans and working capital loans to support the construction of elderly care institutions and age-appropriate renovations. As one of the first commercial banks to obtain personal pension business qualifications, CBHB has built a product portfolio of "exclusive deposits, exclusive wealth management, and exclusive insurance." It has launched the "Bo Tai Card" designed for elderly customers, the paper time deposit "Sui Yue Cun," jointly issued the first batch of pension wealth management products with Bo Yin Wealth Management, and innovatively created the "Bo Xiang Jia" wealth inheritance system. Turning its attention to the "upstream" of the pension industry, after obtaining the qualification from the Ministry of Civil Affairs to supervise pre-collected fees from elderly care institutions, CBHB is advancing the construction of a supervision system in Tianjin, Hebei, and Anhui, and actively serving entities such as health care groups and health and wellness companies.
In the cultural and tourism consumption sector, the plan clarifies its focus on supporting integrated projects like digital cultural creativity, smart tourism, commercial complexes, and sports venue operations. It provides supply chain financial services for travel agencies, accommodation, and catering enterprises, optimizes smart payment and clearing systems, and stimulates consumption potential through multi-format linkage. In the "2026 Tianjin Tour & Shopping" Tianjin Cultural Tourism Consumption Carnival, CBHB, as the chief strategic support unit, embedded financial services into all scenarios of cultural tourism consumption. It enhanced the visitor experience with the "Heartbeat Tianjin Fun Travel Card" bundled with benefits, convenient payments, and other one-stop services. It also launched inclusive finance and efficient capital settlement services for cultural tourism enterprises to precisely support their stable operations. Additionally, it created the "Spring Begins with Sea of Flowers" themed event, driving online cultural tourism consumption and achieving the goals of industrial chain consumption, realizing a higher level of mutual empowerment between "finance and cultural tourism."
CBHB will continue to thoroughly implement the Party Central Committee and State Council's strategic deployments to promote the expansion and quality improvement of the service sector. By persistently innovating service models and enhancing service efficiency, guided by the "Work Plan for Financial Support to the Service Sector Development," CBHB aims to precisely allocate financial resources to key areas and weak links in the service sector, contributing greater "Bo Hai Strength" to creating a new chapter in the high-quality development of the service industry.
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