# **"15th Five-Year Plan" Moving Forward** | Industrial and Commercial Bank of China Liaoning Branch: Deep Cultivation of the Real Economy with Initial Heart, Moving Upward, Upward to Goodness, and Forward to the Frontier

Editor’s Note

Moving Forward with Innovation

Injecting Financial Spirit and Momentum into the “14th Five-Year Plan” Opening

In the first year of the “14th Five-Year Plan,” high-quality development advances steadily. As the lifeblood of the modern economy, finance must also forge its spirit and empower through practical action. The Industrial and Commercial Bank of China (ICBC) Liaoning Branch has deeply integrated the “Moving Forward with Innovation” Lei Feng learning activity with its opening efforts, transforming Lei Feng’s spirit from value guidance into conscious actions that serve the real economy, promote inclusive livelihoods, and prevent risks—injecting strong financial spirit and momentum into local development.

The core of Lei Feng’s spirit is loyalty, dedication, responsibility, and professionalism, which aligns closely with the goals of building a strong financial nation, serving the real economy, and upholding the people’s interests during the “14th Five-Year Plan.” Incorporating Lei Feng’s spirit into daily routines and making it a regular practice is not only the responsibility of state-owned financial institutions but also a key to activating initial momentum. By embodying Lei Feng’s spirit to stay true to our original mission, strengthen the team, and optimize services, we will ensure more precise alignment of financial resources with development needs and public expectations, writing a vivid chapter of financial kindness and service to the people at the start of the “14th Five-Year Plan.”

Spring returns to Liaoning, vitality abounds. In the first year of the “14th Five-Year Plan,” Liaoning’s comprehensive revitalization enters a new stage. ICBC Liaoning Branch upholds the political and people-oriented nature of financial work, using the “Moving Forward with Innovation” Lei Feng activity as a lever, aligning with the high-quality development requirements of the “14th Five-Year Plan.” Focusing on key industries, major projects, small and micro enterprises, as well as green low-carbon initiatives and rural revitalization, it continuously optimizes financial resource allocation, ensuring precise matching of financial support with development needs and public expectations. Through financial strength, it empowers industrial upgrading, benefits thousands of enterprises and households, and helps Liaoning achieve comprehensive revitalization in the new era.

Practicing Lei Feng’s Responsibility: Whole-Cycle Financial Services to Strengthen the Real Economy’s “Ballast”

From towering cranes at major project sites to the roaring machinery in industrial parks, every scene of revitalization relies on solid financial backing. ICBC Liaoning Branch focuses on four trillion-level industrial bases and the “2211” industrial system construction across the province, acting as a “catalyst” for project development. For major projects, it provides “penetrating” financial services to ensure funds follow the projects, fully guaranteeing the implementation and effectiveness of key engineering projects during the “14th Five-Year Plan.”

Building a modern industrial system, establishing national advanced manufacturing centers, and developing the Northeast’s modern service industry are key tasks during the “14th Five-Year Plan” in Shenyang. ICBC Shenyang Branch has established precise service mechanisms like “One Chain, One Plan” and “One Cluster, One Strategy,” leading efforts to enable intelligent transformation of manufacturing and supporting Shenyang’s goal of creating a national-level advanced manufacturing hub. ICBC Anshan Branch fully supports key projects like the Western Anshan Iron Mine, providing over 10 billion yuan in loans to major enterprises such as Ansteel Group, with manufacturing loans approaching 20 billion yuan. ICBC Dandong Branch focuses on leading manufacturing segments, successfully implementing key projects like offshore wind power. ICBC Huludao Branch issued the province’s first “wood-to-steel” loan for fishing vessels, supporting marine economic transformation and upgrading. The entire province coordinates support for Liaoning Grain Group and key energy and infrastructure projects, providing full-cycle financial services to solidify the “ballast” of the real economy, injecting stable momentum into local development.

Practicing Lei Feng’s Spirit: Innovation in Technology and Finance to Activate New Engines of Industrial Upgrading

Behind patents and technological breakthroughs are the perseverance of innovative tech companies and the warmth of financial institutions supporting innovation. ICBC Liaoning Branch focuses on technological innovation and new productive forces, vigorously developing tech finance to support the growth of specialized, innovative “Little Giants” and high-tech enterprises.

ICBC Shenyang Branch launched “Specialized and Innovative Loans,” with incremental loans to “Little Giants” five times last year; ICBC Jinzhou Branch issued the province’s first patent pledge loan, engaging with 369 tech companies, with financing exceeding 600 million yuan; ICBC Panjin Branch saw a net increase of 725 million yuan in tech loans, an 82% growth; ICBC Fuxin Branch ranks among the top in the province for coverage of “Little Giants” with tech loans; ICBC Anshan Branch pioneered loans for knowledge-intensive enterprises and successfully issued intellectual property pledge loans to support environmental renovation projects. Through diversified services like tech loans, intellectual property pledges, and equity financing, ICBC connects technological achievements with market transformation, injecting strong momentum into Liaoning’s industry upgrade and strength.

Practicing Lei Feng’s Dedication: Inclusive Finance Nourishing Micro and Small Livelihoods

Early mornings at markets, busy shops, and fields of cultivation reflect ordinary lives and the original intention of serving the people through finance. ICBC Liaoning Branch advances the Lei Feng service “Hundred Thousand Projects,” deepening inclusive financial services, increasing support for micro and small enterprises, individual businesses, and agricultural entities, bringing inclusive finance to parks, markets, and fields.

ICBC Shenyang Branch launched “Yam Business Loan,” “Specialized and Innovative Loan,” and “Streamline Loan,” leading in incremental customers among the four banks; ICBC Fushun Branch’s inclusive loan balance surpassed 1 billion yuan, with continuous growth in agricultural loans; branches in Benxi, Jinzhou, Yingkou, and Panjin innovate with products like planting loans, breeding loans, and intellectual property pledges, achieving record growth in inclusive loans and customer numbers, effectively easing financing difficulties for micro, small, and agricultural entities. This “living water” of finance stabilizes market players and safeguards employment and livelihoods, ensuring financial services reach grassroots and resonate with the people.

Practicing Lei Feng’s Spirit: Green Finance Illuminates Low-Carbon Development

A gentle breeze, clear waters, and lush greenery define ecological Liaoning and embody the pursuit of financial kindness. ICBC Liaoning Branch deepens green finance, focusing on clean energy, energy conservation, ecological protection, and low-carbon transformation, continuously expanding green loans.

ICBC Shenyang Branch issued the city’s first carbon emission rights pledge loan; ICBC Benxi Branch leads in green loans among peers; ICBC Panjin Branch successfully hosted the Carbon Finance and Carbon Trading Forum, leading green finance practices; ICBC Liao Yang Branch continues to increase support for green manufacturing, clean energy, and environmental upgrades, maintaining industry-leading green credit growth.

Through innovative products like green project loans and carbon emission rights pledges, ICBC supports Liaoning’s high-quality, eco-prioritized, green low-carbon development path.

Practicing Lei Feng’s Original Aspiration: Building the “Happiness Road” to Common Prosperity

Vast fields promise harvests, beautiful villages foster revitalization, and no one should be left behind on the road to shared prosperity. ICBC Liaoning Branch regards rural revitalization as a vital mission, continuously increasing agricultural loans to support food security, characteristic industries, and county economies.

ICBC Fushun Branch’s agricultural and inclusive loans grow steadily; ICBC Dandong Branch deepens the “1+6” rural revitalization financial service framework, expanding “Breeding E-Loans” and “Farming and Fishing Boat Loans”; ICBC Jinzhou Branch innovates financial products around grapes, peanuts, and other specialty industries; ICBC Benxi Branch focuses on cultural tourism, providing integrated financial services for scenic spots, homestays, and merchants, nourishing rural revitalization with financial “living water.”

Spirit as the soul, practical action as the power. ICBC Liaoning Branch will continue to be guided by Lei Feng’s spirit, focusing on core responsibilities, providing more ample funds, more precise services, and more pragmatic measures to inject continuous financial momentum into Liaoning’s comprehensive revitalization in the new era, ensuring a good start and a strong step for high-quality development during the “14th Five-Year Plan,” and writing a vibrant chapter of people-centered finance.