概況

國家開發(fā)銀行成立于1994年，是中國政府的開發(fā)性金融機構(gòu)，致力于以中長期投融資服務國家戰(zhàn)略。國開行有“兩基一支”（基礎設施、基礎產(chǎn)業(yè)、支柱產(chǎn)業(yè)）、民生金融、國際合作、綜合經(jīng)營四大特色業(yè)務板塊，是中國中長期投融資和新型城鎮(zhèn)化的骨干銀行、最大的對外投融資合作銀行，以及全球最大的開發(fā)性金融機構(gòu)。國開行目前在中國內(nèi)地設有37家一級分行和3家二級分行，境外設有香港分行和開羅、莫斯科、里約熱內(nèi)盧、加拉加斯、倫敦等5家代表處。截至2015年6月底，國開行資產(chǎn)規(guī)模達10.6萬億元，不良貸款率連續(xù)41個季度低于1%，保持優(yōu)良的市場業(yè)績。

基礎設施融資的骨干銀行

國開行是我國“兩基一支”建設的主力銀行，支持了三峽工程、南水北調(diào)、西氣東輸、國家石油儲備、京九鐵路、京滬高鐵、首鋼搬遷、北京奧運場館、上海世博會基礎設施等一大批國家重大項目建設。1998年以來，國開行將業(yè)務領(lǐng)域拓展到城市基礎設施，不斷從大城市向中小城市、縣域延伸，助力中國城市化發(fā)展。

推動民生金融創(chuàng)新的銀行

國開行致力于推動普惠金融，探索以批發(fā)的方法解決千家萬戶的融資難題，加大對棚戶區(qū)改造、“三農(nóng)”、教育、小微企業(yè)以及扶貧開發(fā)等社會薄弱環(huán)節(jié)和民生領(lǐng)域的支持力度，使金融成果更好地惠及普通民眾。2014年，國開行成立住宅金融事業(yè)部，全年發(fā)放棚改貸款4086億元，占銀行業(yè)九成份額，全年發(fā)放助學貸款147億元，累計支持學生1200萬人次，連續(xù)九年獲人民網(wǎng)“人民社會責任獎”。

最大的對外投融資合作銀行

國開行以市場化手段開展國際合作業(yè)務，積極參與“一帶一路”戰(zhàn)略規(guī)劃，為實現(xiàn)我國與合作國多方共贏發(fā)揮了重要作用。倡導設立上海合作組織銀聯(lián)體，牽頭組建中國-東盟銀聯(lián)體，推動加強金磚國家銀行合作機制，為中國與世界搭建起金融交流的重要紐帶和橋梁。截至2014年底，國際業(yè)務貸款3198億美元，外匯貸款余額占全國金融機構(gòu)外匯貸款余額29%，繼續(xù)保持中國最大的對外投融資銀行地位。

服務功能豐富的全牌照銀行

國開行及旗下子公司具有投資、貸款、發(fā)債、租賃和證券等金融服務牌照。近年來，國開行發(fā)揮“投貸債租證”優(yōu)勢，深化綜合金融服務，打造綜合經(jīng)營品牌，為客戶提供多品種、全方位、一站式金融服務。

ChinaDevelopmentBank

Overview

Establishedin1994,ChinaDevelopmentBank(CDB)istheChinesegovernment'sleadingdevelopmentfinanceinstitution.CDBdeploysmedium-andlong-termfinancinginserviceofnationaldevelopmentstrategies,throughacombinationofinfrastructureandbasic/pillarindustriesinvestments,socialprogramfinancing,internationalcooperation,andfull-servicebanking.CDBhasemergedasthefinancialbackboneofmedium-andlong-terminvestmentandurbanizationinChina;itisthelargestcross-borderfinancierinthecountryandthelargestdevelopmentfinanceinstitutionintheworld.

CDBcurrentlyoperatesitsbusinessesthroughitsheadquartersinBeijing,37tier-onebranchesandthreesecond-tierbrancheslocatedacrossChina,anoffshorebranchinHongKong,andfiverepresentativeofficesinCairo,Moscow,RiodeJaneiro,Caracas,andLondon.

CDBcontinuestomaintainitsoutstandingperformance,withtotalassetsamountingtoRMB10.6trillionandNPLratiolessthan1%for41consecutivequartersasoftheendofJune2015.

China’sGo-toBankforInfrastructureFinancing

Astheleadingbankforinfrastructureandbasic/pillarindustriesfinancing,CDBhasfinancedahostofmajornationalprojects,includingtheThreeGorgesDam,thecross-countrywaterdiversionandnaturalgasdistributionprojects,nationaloilstoragefacilities,theBeijing-Kowloonrailway,theBeijing-Shanghaihigh-speedrailway,relocationofShougangsteelplant,theBeijingOlympicGamesvenuesandinfrastructuresforShanghaiExpo.

Since1998,CDBhasbroadeneditscoveragetoincludemunicipalinfrastructurebeyondthedevelopedmetropolitanareas,supportingurbanizationinsmallercitiesandtownsacrossChina.

AChampionofFinancialInclusion

Committedtofinancialinclusion,CDBhasexploredsolutionstofinancingdifficultiesofindividualsandhouseholdsthroughwholesalebanking.CDBisdeepeningitscommitmenttopublicwelfarethroughincreasedinvestmentsinurbanrenewalofrundowndistricts,agriculturaldevelopmentandruralinfrastructure,education,SMElending,andpovertyalleviation.

In2014,CDBestablishedadedicatedhousingfinancebusinessdivision,issuingRMB408.6billioninurbanrenewalloansandendingtheyearwitha90%marketshare.StudentloanofRMB14.7billionwasdisbursedtosupport12millionstudentsintheyearof2014.CDB'ssupportforsocialinitiativeshasearnedthebankthePeople'sDailyOnlinePeople'sSocialResponsibilityAwardeveryyearfornineyearsrunning.

China'sTopCross-borderFinancier

CDB'smarket-drivenapproachtointernationalbusinesshasplayedanimportantroleinpromotingmutuallybeneficialcooperationbetweenChinaanditspartnercountries.CDBisanactiveparticipantinthestrategicplanningofChina’sregionalintegrationinitiativessuchastheSilkRoadEconomicBeltandthe21stCenturyMaritimeSilkRoad,andisaleadingadvocatefortheestablishmentandgrowthoftheShanghaiCooperationOrganizationInter-bankAssociation,theChina-ASEANInter-bankAssociation,andtheBRICSInter-bankCooperationMechanism.ThesecooperativeplatformsplayanimportantroleinbridgingChinaandtheworldatlargethrougheffectivefinancialexchange.

Asoftheendof2014,withUS$319.8billionoutstandingininternationalloansaccountingfor29%ofallforeigncurrencyloansissuedbyChineselenders,CDBcontinuestobeChina'sleadingcross-borderfinancier.

AOne-StopSourceforFull-serviceBanking

CDBanditssubsidiariesarelicensedtoofferafullrangeoffinancialservicesincludinglending,directinvestment,bondoffering/underwriting,leasing,andsecuritiesbusinesses.ThisintegratedproductsuiteallowsCDBtobuilditsbrandasafull-servicebank,offeringclientsone-stopaccesstoacomprehensiverangeoffinancialproductsandsolutions.

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