2021 年环境、社会和治理（ESG）
专题报告
报告说明
Report Statement
关于本报告： 本报告是北京银行股份有限公司（本报告中简称“北京银行”“本行”或“我们”）向社会公布的 2021 年环境、
社会和治理（ESG）专题报告。本报告阐述了本行 2021 年度在环境、社会及治理方面的主要实践和成果，以回应
利益相关方的期望与关注，并促进本行持续提升 ESG 可持续发展表现。
About this report: This is the Environmental, Social and Governance Report 2021 released to the public by Bank of Beijing Co., Ltd. (hereinafter referred to as
“Bank of Beijing”, “the Bank” or “we/us”). This report explains our ESG practices and achievements in 2021 to respond to the expectations and
concerns of stakeholders and to help us continuously improve our ESG sustainability performance.
报告时间范围： 2021 年 1 月 1 日至 2021 年 12 月 31 日，部分内容超出上述范围。
Reporting period: The reporting period begins on January 1, 2021 and ends on December 31, 2021. Some content goes beyond this stated period.
报告组织范围： 报告覆盖北京银行股份有限公司总行、分支机构及投资机构，另有注明除外。
Reporting scope: Unless otherwise specified, the report covers the activities of the Head Office, business units, subsidiaries and affiliates of Bank of
Beijing Co., Ltd.
报告发布周期： 年度报告。
Reporting cycle: The report is released on an annual basis.
报告编制原则： 报告依照全球报告倡议组织（Global Reporting Initiative，GRI）《可持续发展报告标准》（G4,2013 版）、《联
合国可持续发展目标企业行动指南（SDGs）》（2015 版）、《负责任银行原则》（Principles for Responsible
Banking，PRB）（2019 版），以及中国银保监会《关于加强银行业金融机构社会责任的意见》（银监办发〔2007〕
252 号）、《银行保险机构公司治理准则》（银保监发〔2021〕14 号）、上海证券交易所《上海证券交易所上市公
司自律监管指引第 1 号—规范运作》（上证发〔2022〕2 号）、中国银行业协会《中国银行业金融机构企业社会
责任指引》（2009 年 1 月 12 日印发）等国内外先进信息披露标准及相关要求编写。
Preparation principles: This report has been prepared in accordance with the Global Reporting Initiative (GRI)’s 2013 Sustainability Reporting Guidelines (G4), The
2015 United Nations Sustainable Development Goals (SDGs) Compass, The 2019 Principles for Responsible Banking (PRB), Opinions of China
Banking and Insurance Regulatory Commission on Strengthening the Social Responsibility of Banking Financial Institutions (Yin Jian Ban
Fa [2007] No.252), Corporate Governance Standards for Banking and Insurance Institutions (Yin Jian Ban Fa [2021] No.14), Self-regulatory
Rules of Companies Listed on the Shanghai Stock Exchange No. 1--Standardized Operation (Shang Zheng Fa [2022] No.2), Guidelines on the
Corporate Social Responsibility of Banking Institutions of China (issued on January 12, 2009 by the China Banking Association) as well as other
advanced domestic and overseas information disclosure standards and requirements.
报告数据说明： 本报告所涉及数据来自银行内部统计数据、审计报告等材料，部分数据如与年度报告有差异，以年度报告数据为准。
若无特殊说明，本报告所使用的货币单位均为人民币元。
Data in the report: The data involved in this report are from our internal statistical data, audit reports and other materials. In case the data are different from
what has been provided in the Annual Report, the Annual Report shall prevail. Unless otherwise specified, the currency used in this report is
Renminbi (“RMB”).
报告保证方式： 本行董事会及全体董事保证本报告内容不存在任何虚假记载、误导性陈述或重大遗漏，并对其内容的真实性、准确
性和完整性承担个别及连带责任。
Assurance of the report: The Board of Directors and all directors of the Bank guarantee that this report does not contain any false records, misleading statements or
major omissions and they are jointly and severally liable for the authenticity, accuracy and completeness of the content.
报告发布形式： 刊登本行环境、社会和治理（ESG）专题报告的网站：http://www.sse.com.cn 及北京银行股份有限公司网站：
http://www.bankofbeijing.com.cn
Report releasing: This report is released on http://www.sse.com.cn and the website of Bank of Beijing Co., Ltd., http://www.bankofbeijing.com.cn.
报告备置地点： 北京银行董事会办公室。
Accessibility of the report: The report can be accessed at the Office of Board of Directors of Bank of Beijing.
北京银行 2021 年 ESG 专题报告 BANK OF BEIJING Environmental, Social and Governance Report 2021
关于我们
About Us
北京银行成立于 1996 年，目前已在北京、天津、上海、西安、深圳、杭州、长沙、 资产总额达到
Total assets RMB 3.06 trillion
南京、济南、南昌、石家庄、乌鲁木齐等十余个中心城市以及香港特别行政区、荷兰
万亿元
拥有 600 多家分支机构，探索出了中小银行创新发展的经典模式。
北京银行紧密围绕“服务实体经济、防控金融风险、深化金融改革”三项任务，强化
党建引领，依法合规经营，加快数字化转型升级，加强全方位风险管控，扎实推动全
行各项业务高质量发展。截至 2021 年末，本行资产总额达到 3.06 万亿元，较年初增
长 5.48%；实现营业收入 662.75 亿元，同比增长 3.07%；实现归母净利润 222.26 亿元， 营业收入
The operating income recorded
同比增长 3.45%；资本充足率 14.63%，较年初提升 3.14 个百分点，各项主要经营指 RMB 66.275 billion
标企稳向好。品牌价值达 654 亿元，一级资本排名全球千家大银行 62 位，被人民银行、
亿元
银保监会纳入我国系统重要性银行，业绩和品牌都实现了新的提升。
多年来，凭借优秀的经营业绩和优质的金融服务，本行赢得了社会各界的高度赞誉，
先后荣获“全国文明单位”“亚洲十大最佳上市银行”“中国最佳城市商业零售银
行”“最佳区域性银行”“最佳支持中小企业贡献奖”“最佳便民服务银行”“中 品牌价值达
国上市公司百强企业”“中国社会责任优秀企业”“最具持续投资价值上市公司”“中 Brand value of RMB 65.4 billion
国最受尊敬企业”“最受尊敬银行”“最值得百姓信赖的银行机构”及“中国优秀 亿元
企业公民”“最佳互联网金融银行奖”等称号。
Bank of Beijing, incorporated in 1996, operates over 600 business units in more than ten major cities
such as Beijing, Tianjin, Shanghai, Xi’an, Shenzhen, Hangzhou, Changsha, Nanjing, Jinan, Nanchang,
Shijiazhuang and Urumqi in the Chinese mainland, as well as Hong Kong Special Administrative Region
and the Netherlands. The Bank has created a proven paradigm of innovative development of small and 一级资本排名全球
medium-sized banks. 千家大银行
To fulfill the three tasks of “serving the real economy, containing financial risks and deepening financial Ranked the 62nd among the world’s
reforms”, we have strengthened party building, operated in compliance with laws and regulations, top 1,000 banks in terms of tier-
accelerated digital transformation and upgrading, enhanced risk management and control, and promoted one capital
the high-quality development of all businesses. As of the end of 2021, our total assets rose by 5.48% to
位
RMB 3.06 trillion over the beginning of the year. The operating income recorded RMB 66.275 billion, up
3.07% year-on-year; and net profit attributable to shareholders of the parent company was RMB 22.226
billion after a 3.45% year-on-year increase. The capital adequacy ratio increased substantially by 3.14
percentage points to 14.63% over the beginning of this year. All of the main business indicators improved
and stabilized. The Bank has a brand value of RMB 65.4 billion, and ranked the 62nd among the world’s
top 1,000 banks in terms of tier-one capital. The Bank was included in the list of China’s systemically
important banks by the People’s Bank of China and China Banking and Insurance Regulatory Commission.
Our business performance and brand visibility reached new heights.
In recognition of our excellent business performance and high-quality financial services, we have received
high opinions and many honors over the years, including the “National Exemplary Unit”, “Top 10 Listed
Banks in Asia”, “Best City Commercial Retail Bank in China”, “Best Regional Bank”, “Best Contribution for
Supporting SMEs”, “Best Bank with Service for People’s Livelihood”, “Top100 Chinese Listed Companies”,
“Outstanding Chinese Companies for Social Responsibility”, “Listed Companies with the Most Sustainable
Investment Value”, “Most Respectable Enterprises in China”, “Most Respectable Bank”, “Most Trustworthy
Banking Institution by Citizens”, “China’s Outstanding Corporate Citizens”, “Best Bank in Internet
Finance”, etc.
02
报告说明 01
Report Statement
关于我们 02
About Us
06-27 28-63
以绿为笔 以进固稳
共筑美丽中国梦想 共创美好生活家园
Doing Our Bit for the Beautiful China Together for a Better Homeland
绿色金融战略规划 08 服务实体经济 30
Strategic planning on green finance Serving the real economy
绿色金融产品与实践 10 品质服务 44
Green finance products and practices Quality services
绿色金融研究与合作 20 员工权益 53
Green finance research and cooperation Employee rights
绿色低碳运营 22 社会公益 56
Green and low-carbon operation Social welfare
ESG 发展展望
64-79 ESG Development Outlook
80
专题：打造负责任银行 82
Special Report: Building a Responsible Bank
以锚定向
共建绿色低碳银行 关键 ESG 绩效 86
Building a Green and Low-carbon Bank Key ESG Performance
索引表 90
Reference Table
战略规划 66
Strategic planning
负责任银行（PRB）原则 90
Principles for Responsible Banking
治理架构 70
Governance structure
全球报告倡议组织（GRI）
责任管理 70 《可持续发展报告标准》 98
Global Reporting Initiative(GRI) Sustainability Reporting
Responsibility management
Standards
意见反馈表
商业道德 74
Corporate ethics 110
Feedback Form
可持续风险管理 78
Sustainable risk management
以绿为笔
共筑美丽中国梦想
DOING OUR BIT FOR THE BEAUTIFUL CHINA
2021 年，本行积极践行促进环境友好与可持续发展理念，大力发展绿色金融，通过建立绿色金融发展战略、优化绿
色金融服务供给、强化绿色金融服务平台建设、加强绿色金融研究与合作等方式，加大优质信贷资源向绿色低碳产业
倾斜；同时积极推动自身节能减排工作，提高能源管理水平，积极倡导简约实用和绿色低碳的办公方式，实现经济效益、
社会效益、生态效益的同步提升。
2021 年，本行将可持续发展行动同联合国可持续发展目标进行系统化匹配，全面梳理了本行在联合国 17 项可持续
发展目标下的行动框架、具体实践。本章内容充分响应了联合国可持续发展目标（SDGs）中的“清洁饮水和卫生设
施”“经济适用的清洁能源”“气候行动”“水下生物”以及“陆地生物”这五个可持续发展目标。
In 2021, the Bank placed great value on environmental friendliness by vigorously developing green finance and channeling funds into green industries.
We established green finance development strategy, optimize green finance services, build green finance service platform and strengthen research and
cooperation in green finance. Being committed to energy conservation and emission reduction, we improved energy management and advocate a simple,
moderate, green and low-carbon workstyle, so as to improve economic, social and ecological efficacy.
In 2021, the Bank integrated our sustainable development actions with the United Nation’s SDGs, sorted out the Bank’s framework and practice of actions
under 17 SDGs. This chapter responded to the five UN SDGs of “clean water and sanitation”, “affordable and clean energy”, “climate action”, “life
below water” and “life on land”.
目标 6 清洁饮水和卫生设施 目标 7 经济适用的清洁能源
为所有人提供水和环境卫生并对其进行可持续管理 确保人人获得可负担、可靠和可持续的现代能源
Goal 6 Clean water and sanitation Goal 7 Affordable and clean energy
Ensure availability and sustainable management of water and sanitation for all Ensure access to affordable, reliable and sustainable modern energy for all
目标 13 气候行动 目标 14 水下生物
采取紧急行动应对气候变化及其影响 保护和可持续利用海洋和海洋资源以促进可持续发展
Goal 13 Climate action Goal 14 Life below water
Take urgent action to combat climate change and its impacts Conserve and sustainably use the oceans, seas and marine resources for sustainable development
目标 15 陆地生物
保护、恢复和促进可持续利用陆地生态系统，可持续管理森林，
防治荒漠化，制止和扭转土地退化，遏制生物多样性的丧失
Goal 15 Life on land
Protect, restore and promote sustainable use of terrestrial ecosystems,
sustainably manage forests, combat desertification, halt and reverse land
degradation, and halt biodiversity loss
北京银行 2021 年 ESG 专题报告 BANK OF BEIJING Environmental, Social and Governance Report 2021
2021 年，本行坚定不移贯彻创新、协调、绿色、开放、共享的新发展理念，
绿色金融 努力构建高质量、可持续、绿色发展格局。
战略规划 In 2021, we adhered to the new concept of innovative, coordinated, green, open and shared
development, and strived to build a high-quality, sustainable and green development pattern.
Strategic planning on
green finance 特色鲜明 结构优质 管理精细
Unique Quality Refined
Features Structure Management
技术领先 风控稳健 持续增长
Advanced Prudent Sustainable
Technology Risk Control Growth
响应国家和北京市“碳达峰、碳中和”的重大决策部署，本行在风险可控的
前提下，积极推进绿色金融产品创新，全面提升绿色金融服务能力，为新产业、
新业态提供个性化、多元化的金融解决方案。
In line with major municipal and national decisions and plans on “carbon peaking and carbon
neutrality”, we rolled out innovative, green finance products and improved our green finance
services, under the premise that risks are controllable, to give new industries and new businesses
access to personalized and diversified financial solutions.
体制建设方面
Organizational structure development
总行层面 成立了绿色金融专职管理部室，统筹推动绿色金融业务开展。
The Head Office Established a specialized sector on green finance development to coordinate and
promote green finance within the Bank.
成立并组建绿色金融专职研究团队，致力于为绿色金融领域提供研
究支持。
Set up a green finance task force committed to supporting green finance with
research findings.
分行层面 先后设立通州绿色支行、门头沟绿色支行，稳步推进特色支行建设。
The regional branch Opened “Tongzhou Green Branch” and “Mentougou Green Branch” as part of our
effort to build a special branch model to promote green finance development in the
regional branch level.
08
Doing Our Bit for the Beautiful China 以绿为笔 共筑美丽中国梦想
机制建设方面
Policy development
将绿色金融上升为全行重要发展战略
本行紧跟国家和首都绿色 Green finance was made an important development strategy of the Bank
发展政策部署，制定绿色 在本行“五五”发展规划中，明确将绿色金融业务作为全行特色金融发展的主要方向
发展规划，积极落实“双碳” 和重点任务。2021 年，在新确定的《北京银行“十四五”时期发展规划和二〇三五年
远景目标纲要》中，再次明确提出要大力发展绿色金融业务，并将构建绿色发展格局
战略，全力推动绿色金融
列为全行工作的重要指导思想。
服务能力迈上新台阶。
In the Bank’s “Fifth Five-Year Plan”, green finance was defined as the main direction and key task for its characteristic
Following the national and financial business. Published in 2021, the “Bank of Beijing’s Development Plan for the 14th Five-Year Plan Period and
municipal policies on green Outline of Long-Range Objectives Through the Year 2035 ” identifies “green development” as a guiding principle of
development, we formulated green the Bank and calls for a bank-wide effort to vigorously develop green finance.
development plans and improved
green finance services in the keen
将绿色金融纳入“十四五”时期业务发展规划
pursuit of the “dual carbon” goals.
Green finance was incorporated into the development plan of corporate business during the
“14 th Five-Year Plan” period
突出业务低碳发展导向，提升经营单位绿色贷款投放积极性，确保本行绿色贷款规模
持续稳步增长。推动绿色金融产品创新，全面拓展绿色企业和项目融资渠道。
For corporate business, we embarked on a low-carbon road and enhanced the enthusiasm of business units to invest
案例
in green loans, so as to ensure steady expansion of our green finance business. We promoted the innovation of green
Case finance products, and expanded financing channels for green enterprises and projects.
本行杭州分行荣获
制定绿色金融专项行动计划
绿色金融奖项
Hangzhou Regional Branch won Worked out green finance action plans
a green finance award
明确未来主要工作目标、重点任务并推动落实，为践行绿色发展理念、加快全行绿色
2021 年 12 月，本行杭州分 转型、更好支持国家和首都绿色发展奠定坚实基础。提出未来三年内，绿色贷款在公
行荣获“2021 浙江新金融新 司贷款中规模占比超过 25%，全力打造绿色金融全面领先的城市商业银行的工作目标。
未来”品牌榜“浙江绿色金 Clarified our main objectives and key tasks, laying a solid foundation for practicing the green development concept,
accelerating green transformation across the Bank and better supporting the green development of the capital city.
融标杆银行”奖项。身处“两
It proposes that in future three years, percentage of green loans in corporate loans will exceed 25%. The Bank will
山”理论践行地，本行杭州
target at building itself a city commercial bank taking the lead in green finance.
分行持续深入贯彻绿色金融
可持续理念，坚持深耕、稳
在全行授信业务指导意见中明确绿色金融支持政策
步发展绿色金融业务。
Introduced specific policies to support green finance in the bank-wide credit business
In December 2021, our Hangzhou
guidelines
Regional Branch won the “Zhejiang
Green Finance Model Bank” award 《2022 年授信业务指导意见》将绿色金融作为优先投放领域，明确要求提升绿色金融
on the “2021 Zhejiang New Finance 业务占比，明确绿色金融重点投向，完善绿色产业行业信贷政策，强调加大对节能环保、
New Future” brand list. Being
低碳经济、循环经济、清洁能源等领域的支持力度；将环境风险、社会风险、安全生
in a place where the theory that
产要求纳入授信全流程，坚决落实“环保一票否决”要求。
lucid waters and lush mountains
The “Guiding Opinions on Credit-granting Business in 2022” prioritized green finance, specified the requirement
are invaluable assets is practiced,
Hangzhou Regional Branch insisted of increasing the proportion of green finance business, clarified key areas of green finance to be invested and
on the concept of green finance improved credit policies for green industries. We emphasized the need to intensify support for such areas as energy
and sustainable development, and conservation and environmental protection, low-carbon economy, circular economy, and clean energy. We also took
pursued deepened and steady into consideration environmental risks, social risks, and safety production requirements throughout the whole process
progress of green finance business. of credit granting, and resolutely implemented the “one-vote veto” system on environmental performance.
09
北京银行 2021 年 ESG 专题报告 BANK OF BEIJING Environmental, Social and Governance Report 2021
2021 年，本行在风险可控的前提下，积极推进绿色金融产品创新，全面提
绿色金融 升绿色金融服务能力，为新产业、新业态提供个性化、多元化的金融解决方案。
产品与实践 本行结合绿色产业特点、发展现状及相应融资需求，立足多元化产品综合运
用与创新，于 2021 年 6 月推出“绿融 +”绿色金融服务品牌，打造点、线、
Green finance products
面相结合的立体化服务体系。
and practices In 2021, we launched innovative, green finance products and improved our green finance
services, under the premise of controllable risks, to give new industries and new businesses
access to customized and diversified financial solutions. We took into account the characteristics,
status quo, and financing needs of green sectors, and offered an innovative portfolio of
diversified financing products. In June 2021, we unveiled the “Green Finance+” series, to offer
multidimensional services.
绿 绿 绿 绿
截至 2021 年末
Green loans
Green bonds
Green supply chain
Green finance ecosystem
色 色 色 色
As of the end of 2021 贷 债 供 金
款 券 应 融
本行绿色贷款余额 链 生
态
The Bank’s balance of green loan amounted
圈
to RMB 47.74 billion
亿元
较年初增长 绿 绿 绿 绿
Lvrong Loan ( Green Finance Loan)
Lvrong Bond (Green Finance Bond)
Lvronglian (Green Finance Chain)
Lvrongjia (Green Finance Home)
融 融 融 融
Up RMB 21.52 billion as compared with
贷 债 链 家
the beginning of the year
亿元
增幅
Up 82.1%
%
绿色贷款 Green loan
累计服务客户数超 2021 年，本行制定《北京银行 2021 年授信业务指导意见》和《北京银行
The customer base exceeded 1,000
2021 年授信业务补充指导意见》，坚持“紧跟国家政策导向、紧跟能源结构
户
调整方向、优先支持龙头企业、积极支持绿色发展”的总体授信原则，围绕
国家在碳达峰、碳中和方面的决策部署，把绿色信贷作为优先支持领域，明
确绿色信贷政策导向。
其中清洁能源产业贷款同比增
In 2021, we formulated the “Guidance on Credit Granting Business of Bank of Beijing in 2021”
长 104.7%，增速位居主要银行 and “Supplementary Guidance on Credit Granting Business of Bank of Beijing in 2021” which
前列 are “aligned closely with national policies to facilitate the readjustment of energy mix, give priority
Loan for clean energy sector grew by to funding for leading enterprises, and support green development”. We supported the state’s
104.7% year on year, faster than most of decisions and plans on carbon peaking and carbon neutrality, developed green credit on a priority
the major banks basis, and established our policy framework for green credit.
10
Doing Our Bit for the Beautiful China 以绿为笔 共筑美丽中国梦想
持续提升绿色贷款规模 案例
Green loan was upscaled and expanded Case
2021 年，本行持续推进清洁能源贷、绿色交 “南昌生活垃圾焚烧发电厂扩建工程”项目
通贷、绿色建筑贷、基础设施绿色升级贷、 Financing for domestic-waste-to-energy plant expansion project
产业园区绿色升级贷等绿色贷款产品。 2021 年，本行南昌分行落地南昌首创环保能源有限公司“南昌
In 2021, we continued to roll out green loan products,
泉岭生活垃圾焚烧发电厂扩建（二期）工程”项目贷款。本行于
including clean energy loan, green transport loan, 2012 年为该公司发放了第一期项目贷款，一二期项目均由本行提
green building loan, and green loan for upgrade of 供信贷支持，贷款总额达 10 亿元。该项目以生活垃圾处理为主，
infrastructure facilities and industrial parks.
兼顾发电和承担节能减排任务，落成实施后，生活垃圾焚烧处理总
规模将达到每日 3000 吨，全年可处理生活垃圾约 110 万吨，届时
从具体的绿色贷款资金投向情况来看，投
可处理南昌市 60% 以上的生活垃圾，每年出售给省电力公司电量
向基础设施绿色升级产业的资金占比最高， 达 3 亿千瓦时，相当于节约 9 万多吨标准煤，有效稳定了地区用电
余额 的刚性需求，同时为南昌市推进生活垃圾全量焚烧及资源化提供有
The largest portion of the loan balance went to the sector of 力保障。项目已成为全国生活垃圾处理及资源化宣传教育示范基地，
green infrastructure upgrading, with a balance of RMB 18.06
具有积极的示范引领作用。
billion
In 2021, our Nanchang Regional Branch issued the phase-II loan for the “Nanchang
亿元 Quanling Domestic-Waste-to-Energy Plant Expansion Project” of Nanchang Capital
Environment Energy Co., Ltd. With the phase-I loan in 2012, our total loan for this
project amounted to RMB 1 billion. The project focused on domestic waste disposal,
其次分别是 It was followed by with due considerations for power generation as well as energy saving and emission
reduction. Once completed and implemented, the plant will dispose of up to 3,000
清洁能源产业，余额 tons of domestic waste per day or about 1.1 million tons per year through the
Clean energy sector, with a balance of RMB 14.49 billion incineration process. More than 60% of the city’s domestic waste is to be handled by
亿元 the plant to generate 300 million kWh of power for Jiangxi’s power grid each year,
which is equivalent to that of burning some 90,000 tons of standard coal. The plant
will effectively meet the rigid demand for electricity in the region and make possible the
节能环保产业，余额 incineration of all of Nanchang’s domestic waste into resources. The project is playing
a positive role in leading and guiding the national practice of domestic waste disposal
Energy conservation and environmental protection sector, with
for the purpose of resource recovery.
a balance of RMB 9.49 billion
亿元
“长沙汽车南站综合交通枢纽”项目
Financing for comprehensive transportation hub at Changsha South Bus
生态环境产业，余额 Station
Ecological environment sector, with a balance of RMB 2.75
“长沙汽车南站综合交通枢纽”项目为长沙市政府重点民生工程，
billion
也是省重点项目，项目围绕结构、排水、暖通、电气、智能化管理
亿元
系统、环境保护、节能绿建等方面进行了多次方案设计及可行性研
究，建成后将极大地完善长沙市客运站的布局，并为节能环保增添
清洁生产产业，余额
力量。本行长沙分行给予 4.5 亿元项目贷款资金支持。
Clean production sector, with a balance of RMB 2.54 billion
As a municipal key project dedicated to improving people’s livelihood and a provincial
亿元 key project, “the comprehensive transportation hub at Changsha South Bus Station”
underwent several conceptual design and feasibility studies on structure, drainage,
HVAC, electrical apparatus, intelligent management system, environmental protection,
绿色服务产业，余额 energy saving and green building, etc. Once completed, the project will greatly
Green service sector, with a balance of RMB 110 million improve the general design of the local passenger transport station and add strength
to the energy conservation and environmental protection campaign. Our Changsha
亿元
Regional Branch supported the project with RMB 450 million worth of loan.
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北京银行 2021 年 ESG 专题报告 BANK OF BEIJING Environmental, Social and Governance Report 2021
创新碳排放配额质押贷款
We innovated the carbon allowance pledge loan
为助力实现“双碳”战略目标，作为市属银行业金融机构，
本行将支持首都高质量发展作为自身肩负的重要使命，积
极响应政策号召，不断创新金融服务模式，主动与市生态
环境局、北京绿色交易所沟通，并与重点碳排放单位开展
对接，首期推出碳排放配额质押贷款，以企业拥有的碳排
放配额作为质押物发放贷款，盘活企业碳资产。
As a way to facilitate the “dual carbon” goals, the Bank, as a municipal
financial institution in the banking industry, supported the high-quality
development of the capital city by actively responding to the related policies
and innovating financial services. We took the initiative to communicate
with Beijing Municipal Ecology and Environment Bureau and Beijing
Green Exchange, as well as major carbon emitters, and launched carbon
allowance pledge loan which allows the borrowers to take their obtained
carbon allowance as pledge and put carbon assets to good use.
案例
Case
落地北京市首笔碳排放配额质押贷款
The first carbon allowance pledge loan issued in Beijing
北京盛通印刷股份有限公司为上市公司，同时也是北京市重点
排放单位。2021 年 9 月，本行主动与市生态环境局、北京绿
色交易所对接，在得知企业有融资需求后迅速行动，开辟绿色
通道，一周内完成审批工作，以企业拥有的碳排放配额作为质
押物，发放 1000 万元流动资金贷款。这是“双碳”背景下北
京市首笔碳排放配额质押贷款。
As a listed company, Beijing Shengtong Printing Co., Ltd. is one of the major
carbon emitters in Beijing. In September 2021, we communicated with Beijing
Municipal Ecology and Environment Bureau and China Beijing Green Exchange,
responding swiftly to the financing needs of the company by granting RMB 10
million working capital loan with the its carbon allowance as the pledge, the first
of its kind in Beijing against the background of “dual-carbon” goals. The loan
was approved within one week through a “green passage” system to enhance
Shengtong’s business liquidity.
北京银行为企业开辟绿色通道，发放流动资金贷款
We responding swiftly to the financing needs of the company by granting
RMB 10 million working capital loan
万元
12
Doing Our Bit for the Beautiful China 以绿为笔 共筑美丽中国梦想
持续发展绿色并购贷款
We continued to develop green M&A loan business
2021 年，本行聚焦绿色产业升级改造，支持并购方通过并购在绿色产业领域获得目标企业的研发能力、关键技术与工艺、
商标、特许权、供应或分销网络等战略性资源，提高企业核心竞争能力，实现绿色低碳产业升级转型。
In 2021, we offered financing support to acquirers which intended to obtain strategic resources of the acquires, including their key technologies and
processes, trademarks, franchises, supply or distribution networks in the green industries, through business M&A. The aim was to improve the core
competitiveness of the acquirers and achieve green and low-carbon industrial upgrading and transformation.
案例
Case
全行首单大湾区国企绿色并购贷款
Our first-ever green M&A loan for state-owned enterprises in the Greater Bay Area
2021 年 4 月，本行落地首单大湾区国企绿色并购贷款。本行服务企业绿色转型、招商引资，为珠海港控股集团有限公司收
购某风电企业发放 3.80 亿元绿色并购贷款，助力企业在风电领域补链、延链。
In April 2021, we launched our first green M&A loan for state-owned enterprises in the Greater Bay Area. We supported green transformation and investment/business
opportunities of enterprises, and issued a green M&A loan of RMB 380 million for the acquisition of a wind power plant by Zhuhai Port Holding Group Co., Ltd. to help it
supplement and extend its wind power business chain.
全行首单小微绿色并购贷款
Our first-ever green M&A loan for SMEs
2021 年 10 月，本行落地全行首单小微绿色并购贷款。本行支持京津冀协同发展、保民生，为邯郸建投新能源有限公司收
购 PPP 特许经营权项目发放 6700 万元并购贷款，保障当地上万户居民及周边企业采暖季的平稳供热需求。
In October 2021, we launched our first green M&A loan for SMEs. We supported Beijing-Hebei coordinated development and livelihood betterment, and issued a green M&A
loan of RMB 67 million for the acquisition of a PPP franchise project by Handan Construction Investment New Energy Co., Ltd. to ensure that the demand of tens of thousands
of local residents and surrounding enterprises for stable heating during the cold season can be met.
全行首笔高端装备制造绿色并购贷款
Our first-ever green M&A loan for high-end equipment manufacturers
2021 年 12 月，本行发放首笔高端装备制造绿色并购贷款。本行为中国诚通控股集团有限公司受让某电力装备集团股权并购
项目发放并购贷款 5.2 亿元，助力企业打造“装备制造 + 服务业务 + 新兴业务”产业总体布局，服务国企改革三年行动规划。
In December 2021, we issued our first green M&A loan for high-end equipment manufacturers. We granted a green M&A loan of RMB 520 million to China Chengtong
Holdings Group Ltd. for equity transfer from a power equipment group. We helped Chengtong build an overall layout of the “equipment manufacturing + service + emerging
business”, and contributed to the three-year action plan for the reform of state-owned enterprises.
全行首笔绿色农业并购贷款
Our first-ever green M&A loan for agriculture industry
2021 年 12 月，本行发放首笔绿色农业并购贷款。本行为新疆生产建设兵团第十二师国有资产经营（集团）有限责任公司
发放 1 亿元并购贷款，用于认购其上市子公司新疆天润乳业股份有限公司非公开发行的股票。资金主要用于天润乳业在建
的万头标准化、规模化的生态环保型奶牛养殖基地，支持绿色畜牧产业发展，服务三农、大消费，促进内循环。
In December 2021, we issued the first green M&A loan for the agriculture industry. We granted a green M&A loan of RMB 100 million to the State-owned Assets Management (Group)
Co., Ltd. of the 12th Division of Xinjiang Production and Construction Corps (XPCC) for the subscription of the non-publicly issued shares of its listed subsidiary Xinjiang Tianrun Dairy
Co., Ltd. The funds were to be used for the ongoing construction of Tianrun Dairy’s 10,000-head standardized and large-scale ecological and environmental-friendly dairy cow base,
to support the development of green animal husbandry, to better service the agriculture, farmer and rural area and mass consumption, and promote domestic economic circulation.
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北京银行 2021 年 ESG 专题报告 BANK OF BEIJING Environmental, Social and Governance Report 2021
创新发展绿色银团
We innovated the green syndicated loan business
2021 年 4 月 In April 2021
本行成功落地全行首单“碳中和”银团贷款，贷款资金主要用于长沙市东西向主干地铁
线路建设，助力市民绿色出行，推动绿色交通建设。
We successfully launched our first carbon-neutral syndicated loan. The money was to be used for the construction of
east-west subway lines to help citizens take green trips and promote green transportation.
2021 年 6 月 In June 2021
本行成功落地首单绿色境外银团贷款，资金用于支持新能源动力电池制造企业绿色智造，
服务企业节能环保，支持企业全球化发展踏上绿色智造新征程。
We issued the first overseas green syndicated loan to support new-energy battery enterprises in realizing green,
intelligent manufacturing as well as energy saving and environmental protection goals and to lead the enterprises
onto a new journey of globalization driven by green and intelligent manufacturing.
此外，本行作为牵头行及代理行，积极支持北京城市排水集团有限责任公司银团项目，
该项目既是本行持续用实际行动助力北京市污水处理和再生水利用设施建设的体现，也
是本行绿色金融服务首都生态文明建设的成功典范。
In addition, as the agent bank, we led the issuance of syndicated loan for Beijing Drainage Group Co., Ltd. This was part
of our continuous, concrete effort to promote the development of sewage treatment and reclaimed water utilization facilities
in Beijing and set a successful example of contributing to the capital city’s ecological progress through green financing.
积极落地专项再贴现产品
We rolled out special rediscount products
2021 年，本行积极组织开展落地“京绿通”专项再贴现产品。
In 2021, we rolled out “Jing Lv Tong ” rediscount offerings
2021 年全年落地“京绿通”再贴现产品共计 累计服务小微企业
15 “Jing Lv Tong ” rediscount offerings was made in 2021 Served 956 SMEs
笔 户次
合计 业务规模位列北京地区金融机构
Totaled RMB 658 million Ranking first among financial institutions in Beijing by transaction amount
亿元
14
Doing Our Bit for the Beautiful China 以绿为笔 共筑美丽中国梦想
创新绿色普惠金融产品
We innovated green inclusive financial products
2021 年，本行按照业务发展规划持续推进个人绿色贷款业务发展。
In 2021, we furthered our retail green loan business, in accordance with our business planning.
截至 2021 年末，短贷宝产品中涉及的绿色贷款余额为 贷款笔数
As of the end of 2021, Duandaibao had a green loan balance of RMB Included 208 transactions
296.1291 million
万元 笔
较 2020 年增长 较 2020 年增长
Up 139.4% as compared with 2020 Up 300% as compared with 2020
% %
案例
Case
“黄河光伏农户短贷宝” 本行积极响应国家节能减排政策，加大光伏项目信贷支持力度，服务乡村振兴，
集群项目 助力脱贫攻坚，结合光伏布局农村区域分布式光伏发电项目具体情况，分行开发
Duandaibao for Yellow River photovoltaic
了“黄河光伏农户短贷宝”集群项目。本行西安分行与企业合作授信额度 1 亿元，
projects
专项用于开展光伏农户贷业务。
We took proactive actions in response to the national policies on energy conservation and emission
reduction, increased funding for photovoltaic projects, and contributed to the rural revitalization and
poverty alleviation campaign. Given the distributed photovoltaic power network in rural areas, the Xi’an
Regional Branch developed the Duandaibao product for photovoltaic projects of rural households in the
Yellow River basin. The Regional Branch joined hands with related enterprises, granting a credit line of
RMB 100 million to photovoltaic rural households.
本行西安分行与企业专项用于开展
光伏农户贷业务合作，授信额度
Our Xi’an Regional Branch joined hands with
related enterprises, granting a credit line of RMB
100 million to photovoltaic rural households .
万元
15
北京银行 2021 年 ESG 专题报告 BANK OF BEIJING Environmental, Social and Governance Report 2021
绿色债券 Green bonds
2021 年，本行及时跟进企业在清洁能源、环境治理、节能减排等方面的融资项目，包括在绿色金融债、碳中和债等方面
的发债需求。
In 2021, we closely examined the financing needs of enterprises in clean energy, environmental governance, energy conservation and emission reduction,
including their needs for green finance bonds, carbon-neutral bonds and other bonds.
投资绿色债券 金额
Invested in four green bonds Totaled to RMB 420 million
笔 亿元
支持了包括中国华能集团有限公司、华润融资租赁有限公司、凯盛科技集团有限公司和烟台打捞局在内的优质企业，进
一步提升了本行的市场影响力，拓宽了业务领域，夯实了与企业深度合作的基础。
To support leading enterprises, including China Huaneng Group Co., Ltd., China Resources Financial Leasing Co., Ltd., Triumph Science and Technology
Group Co., Ltd. and Yantai Waterway Rescue and Salvage Bureau. This further enhanced our market influence, expanded the business outreach, and
consolidated the foundation for in-depth cooperation with enterprises.
创新绿色债券产品
We broke new ground in green bonds
2021 年 4 月 In April 2021
本行落地银行间市场全国首单“碳中和”小微金融债券 20 亿元，募集资金全部用于绿色产业小微企业贷款，支持小
微实体企业绿色发展，实现普惠金融与绿色金融融合发展。
We issued the first “carbon-neutral” bond of the Chinese banking industry, with a face value of RMB 2 billion for SMEs. All the money thus raised was
to be used as loans to SMEs in green industries, facilitating the integrated development of inclusive finance and green finance.
2021 年 12 月 In December 2021
本行落地全国首单供应链绿色资产支持票据承销业务，同时也是北京市属金融机构承销的首单绿色资产支持票据——
深圳德远商业保理有限公司 2021 年度中建一局 1 号第一期供应链绿色定向资产支持商业票据，规模 2.14 亿元。
We underwrote China’s first supply chain green asset-backed commercial papers (ABCPs), which were also the first green asset-backed papers ever
underwritten by a Beijing-based municipal financial institution. The RMB 240 million worth of No. 1, Series 1 ABCPs were issued by Shenzhen
Deyuan Commercial Factoring Co., Ltd. to China Construction First Building (Group) Co., Ltd.
16
Doing Our Bit for the Beautiful China 以绿为笔 共筑美丽中国梦想
绿色参团取得突破
We made breakthrough in green bond issuance
2021 年 3 月 本行成功参与国家电网有限公司 2021 年度第一期绿色中期票据（碳中和债）分销团，利用
In March 2021
理财资金投资 2 亿元，助力本期债券顺利发行，此笔业务也成为北京银行首单落地的碳中和
中期票据参团分销业务。
We invested RMB 200 million raised through wealth management products into the carbon-neutral bond of State Grid
under its 2021 first-series green medium-term notes (MTN) programme. The MTN was the first “carbon-neutral bond”
issued by the Bank.
本行深圳分行投资广州市公共交通集团有限公司在银行间发行的大湾区首单公交票款定向资
产支持票据（碳中和债），金额 1.8 亿元，期限 3 年。
Our Shenzhen Regional Branch invested RMB 180 million into the three-year carbon-neutral bond of Guangzhou
Public Transport Group Co., Ltd., the first targeted asset-backed notes (ABN) based on bus ticket revenue in the inter-
bank market in the Greater Bay Area.
2021 年 4 月
本行北京分行成功分销华能国际电力股份有限公司 2021 年第二期绿色中期票据（碳中和），
In April 2021
理财投资金额 2 亿元，期限 3 年。
Our Beijing Regional Branch used RMB 200 million which was raised through wealth management products to issue
the three-year carbon-neutral bond of Huaneng Power International Corporation Limited under its 2021 second-series
green MTN programme.
2021 年 5 月
本行北京分行分销中国节能环保集团有限公司 2021 年第一期绿色中期票据（碳中和债 / 乡
In May 2021
村振兴），理财投资金额 1 亿元，期限 3 年。
Our Beijing Regional Branch used RMB 100 million which was raised through wealth management products to issue
CECEP’s three-year bond dedicated to carbon neutrality and rural vitalization under its 2021 first-series green MTN
programme.
2021 年 6 月
本行杭州分行落地首单绿色境外银团贷款，资金用于支持新能源动力电池制造企业绿色智造，
In June 2021
服务企业节能环保。
Our Hangzhou Regional Branch issued the first overseas green syndicated loan. The funds were to be used to
support new-energy battery enterprises in realizing green, intelligent manufacturing as well as energy saving and
environmental protection goals.
2021 年 11 月
本行济南分行通过公司信用债投资中标烟台打捞局 2021 年度第一期绿色中期票据，投资金
In November 2021
额 6000 万元，期限 3 年，票面利率 3.5%，本次绿色中期票据募集资金用于海上风电项目，
可有效推动能源体系绿色低碳转型。
Jinan Branch of our bank won the first green medium-term note of Yantai Salvage Bureau in 2021 through corporate
credit bond investment. The investment amount is 60million yuan, the term is 3 years, and the coupon rate is 3.5%. The
funds raised by the green medium-term note are used for offshore wind power projects, which can effectively promote
the green and low-carbon transformation of the energy system.
17
北京银行 2021 年 ESG 专题报告 BANK OF BEIJING Environmental, Social and Governance Report 2021
其他绿色金融产品创新 Other innovative green finance products
2021 年，本行加大产品创新力度，持续完善本行绿色金融产品体系，为实现双碳目标提供优质、强劲、源源不断的金融
新动力。
In 2021, the Bank enhanced innovation, continued to improve the Bank’s green financial product lines, and provided high-quality, strong and continuous
financial power to achieve the dual carbon goals.
积极参与 2021 年 5 月，本行助力的全国首批、北京市首笔公募 REITs“首钢绿能”项目成功募集。项目本身采用了
绿色公募 REITs “绿色、环保、创新”的先进设计理念，是垃圾无害化、减量化处理及可再生能源发电的环境保护工程和
We took an active part 民生工程，该项目募集资金将继续支持京、冀两地环保低碳事业。
in the public offering of In May 2021, we helped Shougang Group raise funds for its “green energy” project through public offering of Beijing’s first and one of China’s
green REITs earliest real estate investment trusts (REITs). The project adopted an advanced concept of “greenness, environmental protection and innovation”.
It was dedicated to environmental protection and people’s livelihood improvement through reduced, pollution-free waste disposal and renewable
power generation. The funds were to be used to support environmental protection and low-carbon business in Beijing and Hebei.
发展绿色专项同业 2021 年 9 月，本行落地全行首笔绿色专项同业借款业务，此笔借款全部用于某金融租赁与某工程开展的风
借款业务 电安装船租赁项目投放。
We developed special In September 2021, we launched our first-ever special green inter-bank loan. All the money was to be used for the leasing of wind turbine
green inter-bank loans installation vessels between a financial leasing institute and a project company.
2021 年 12 月，本行落地全行首笔“碳中和”专项同业借款业务，通过精准运用同业产品，精准支持绿色
低碳优势产业的广东某风能发电项目，积极推进绿色金融创新。
In December, we issued our first “carbon-neutral” special inter-bank loan to support a green, low-carbon wind energy project in Guangdong
through the targeted use of inter-bank products to promote green finance innovation.
推出碳中和主题 2021 年 10 月和 2021 年 12 月，本行分别发行两只“碳中和”理财产品，这两只理财产品的推出，一方面
理财产品 充分体现了本行积极贯彻经济高质量发展理念，彰显了本行落地低碳转型、推动绿色金融发展的决心；另一
We rolled out wealth 方面发挥国有金融企业主力军作用，通过金融产品给普通投资者提供了参与“碳中和”投资的机会，传导
management offerings 了绿色金融理念，吸引更多资金能够参与“碳投资”。
themed on carbon
In October and December 2021, we issued two “carbon-neutral” wealth management products. This reflected our belief in high-quality economic
neutrality
growth and determination for low-carbon transition and green finance development.We also played a leading role, as a state-owned financial
institution, in offering general investors an access to “carbon-neutral” investments through financial products, advocating the concept of green
finance and pooling more funds for “carbon investments”.
推出数字化与低碳 建立“京碳宝”企业碳账户，记录企业绿色融资行为和碳减排环境效益，打造企业绿色生态新名片。
Established a "jingtanbao" enterprise carbon account, recorded the green financing behavior of enterprises and the environmental benefits of
服务品牌
carbon emission reduction, and created a new business card of enterprise green ecology.
Launch digital and low-
carbon service brands
18
Doing Our Bit for the Beautiful China 以绿为笔 共筑美丽中国梦想
绿色金融生态圈 Green finance ecosystem
2021 年，本行通过联合政府部门、研究院所、生态产品投融资交易平台、第三方专业环评中介服务机构等渠道，打造绿
色金融生态圈，为绿色企业提供资金支持、政策研究、交易撮合、信息咨询、项目评估、技术推广等综合性服务方案，
力争落地多项全国首单的创新金融产品，在加大绿色金融供给的同时，提升绿色金融影响力。
In 2021, the Bank established a green product value platform “Lvrongjia” through cooperation with government departments, research institutes, ecological
product investment and financing trading platforms, and third-party professional EIA agencies. The aim was to provide green enterprises with comprehensive
services. The Bank issued the first innovative financial products in China to improve our influence of green finance while increasing green finance supply.
综合性服务方案
Comprehensive services
资金支持 政策研究
Financial Support Policy Research
交易撮合 信息咨询
Business Matchmaking Information Consultation
项目评估 技术推广
Project Evaluation Technology Promotion
案例
Case
全行首单“碳中和”财务顾问 2021 年 3 月，本行落地全行首单“碳中和”财务顾问撮合业务。深圳分行通
撮合业务 过与北银金融租赁有限公司合作，为北京京能国际控股有限公司下属控股公
Launch of Our first-ever carbon-neutral
司－山东新泰楼德佳阳光伏发电有限公司融资 1.2 亿元，资金用于企业 20 兆
financial advisory and matchmaking
business
瓦光伏发电项目的建设，期限 10 年。此笔业务是本行加强“母子联动”，紧
跟政策导向，积极响应国家“碳达峰、碳中和”目标，落地的全行首单“碳中和”
财务顾问撮合业务，全方位助力低碳行业、推动绿色金融发展，同时带动公
亿元
RMB 120 million
司存款、纯轻资本中收等综合收益贡献。
In March 2021, we launched our first-ever “carbon neutral” financial advisory and matchmaking business.
Through cooperation with Bank of Beijing Financial Leasing Co., Ltd., our Shenzhen Regional Branch
raised RMB 120 million for Shandong Xintailou Dejia Solar Power Generation Co., Ltd., a subsidiary of
Beijing Energy International Holdings Co., Ltd, with a term of 10 years.. Due in ten years, tThe money
was to be used for the construction of a 20 MW photovoltaic power project. This was the Bank’s first
carbon-neutral financial advisory and matchmaking business, where we strengthened the synergy between
parent and subsidiary companies, actively responded to the goals of “30.60 carbon peaking by 2030
and carbon neutrality by 2060” goals, and stayed in line with related policies. We assisted low-carbon
industries and promoted green finance, and increased our earnings through corporate deposits and
capital-light fee mid-term incomes.
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北京银行 2021 年 ESG 专题报告 BANK OF BEIJING Environmental, Social and Governance Report 2021
绿色金融研究与合作
Green finance research and cooperation
2021 年，本行与绿色金融相关政府部门、绿色产业代表性企业、头部智库和科研院所深化战略合作，签署业务合作协议，
共同推动绿色金融战略咨询、产品创新、业务培训、投融资合作向纵深发展。
01 与中节能等企业达成合作关系并举行合作仪式
2021 年，本行与绿色产业重点企业如中国节能环保集团有限公司、中核能源科技有限公司、华能新能源股份有限公司建
立战略合作伙伴关系，就进一步拓宽绿色金融合作领域、共同推动经济社会绿色高质量发展达成共识，致力打造北京银
行绿色金融生态圈，持续为首都绿色低碳发展贡献新的力量。
02 与第三方（北京绿色交易所、中财绿金院）建立合作沟通机制
2021 年，本行与北京绿色交易所签署全面战略合作协议，双方在绿色项目对接、碳金融、绿色金融产品创新等方面深度合作。
加大绿色金融资源投放力度，创新绿色金融产品，搭建绿色产业服务平台，并做好自身碳减排、碳中和，全力支持首都
绿色发展和绿色金融国际中心建设。
2021 年，本行与中央财经大学签署战略合作协议，共同设立双碳与金融研究中心。双方将建立共享交流机制，通过绿色
金融课题研究、开展培训讲座、举办论坛和研讨会等形式，在绿色金融创新方面展开深度探索，以研究创造智能、以智
能助力发展，共同点亮绿色发展新底色。
03 与政府机构达成全面合作框架协议
2021 年 9 月，本行与通州区政府签署绿色金融全面合作框架协议，全力支持首都绿色发展和绿色金融国际中心建设，双
方将在绿色金融重点领域、重点行业、重点项目等方面展开全面合作，推进首都绿色金融事业繁荣发展。
10 月，作为唯一金融机构受邀参与发起设立“北京城市副中心绿色发展研究院”，参加北京城市副中心绿色发展论坛，
并作“绿色金融支持城市碳中和基建发展”主旨演讲，不断深化本行绿色金融品牌影响力。
04 开展绿色金融主题培训
2021 年，本行开展常态化专题培训。围绕绿色贷款认定统计规则、常见疑难问题，聘请外部专家开展专题讲座，提升全
行绿色贷款统计专职人员专业水平。
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Doing Our Bit for the Beautiful China 以绿为笔 共筑美丽中国梦想
In 2021, the Bank deepened strategic cooperation with relevant government departments of green finance, representative enterprises of green industry,
leading think tanks and scientific research institutions, signed business cooperation agreements, and jointly promoted the development of green finance
strategic consulting, product innovation, business training, investment and financing cooperation.
We established strategic partnerships with CECEP and other enterprises and held ceremonies
In 2021, we established strategic partnerships with key enterprises in green industries such as China Energy Conservation and Environmental Protection
Group (CECEP), CHINERGY Co., Ltd. and Huaneng Renewables Co., Ltd. to further expand green finance cooperation and jointly promote green, high-
quality economic and social progress. We were committed to building a green finance ecosystem that brings new strength to green, low-carbon development
of the capital city.
We established a mechanism for cooperation and communication with third parties (Beijing Green Exchange and CUFE IIGF)
In 2021, we signed a comprehensive strategic cooperation agreement with Beijing Green Exchange to deepen cooperation on green project matchmaking,
carbon finance, and green finance product innovation. We increased funding and built service platforms for green industries, and innovated green finance
products. We also supported the green development of the capital city and the construction of an international center for green finance through effective
implementation of the “carbon peaking and carbon neutrality” campaign.
In 2021, we signed a strategic cooperation agreement with the Central University of Finance and Economics (CUFE) to jointly establish the Dual Carbon
Goals and Finance Research Center. The two sides strived to establish an information-sharing and exchange mechanism and explore new grounds in green
finance through related research, training sessions, forums and seminars, so as to add a touch of intelligence to the tapestry of green development.
We signed a framework agreement on comprehensive cooperation with government authorities
In September 2021, we entered into a comprehensive green finance cooperation framework agreement with the Tongzhou District Government to fully support
green development of the capital city and the construction of an international center for green finance. The two sides agreed to carry out comprehensive
cooperation in key areas, key industries and key projects of green finance to ensure the prosperous development of green finance in the capital city.
In October, we were invited, as the only financial institution, to take part in the establishment of the “Beijing City Sub-Center Green Development Research
Institute”. We also attended the “Beijing City Sub-Center Green Development Forum” and gave a keynote speech on “Supporting the City’s Carbon Neutrality
Infrastructure with Green Finance” to deepen our visibility and influence as a green finance brand.
We offered themed training programs on green finance
In 2021, the Bank offered regular training sessions, where external experts were invited to share insights on the statistical rules for green loan and discuss most-
encountered problems to improve the professionalism of full-time green loan statisticians of the Bank.
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北京银行 2021 年 ESG 专题报告 BANK OF BEIJING Environmental, Social and Governance Report 2021
绿色
本行重视自身运营对环境的影响，在日常工作和管理中，本行持续关注低碳
环保、节能减排、减少资源消耗，鼓励从实际出发，从小事开始，从身边事
低碳运营 做起，积极践行绿色理念。
Great importance was attached to the impact of our operation on the environment. We paid
Green and low-carbon constant attention to low-carbon environmental protection, energy saving, emission reduction
operation
and less resource consumption, and encouraged greenness in every little step of our work
and management.
低碳环保 节能减排 减少资源消耗
Low-carbon environmental Energy Emission reduction and less
protection saving resource consumption
绿色运营 Green operation
本行积极响应和遵循国家提出的“碳达峰、碳中和”目标，践行绿色低碳运
营理念于组织运营管理的各个方面。在总行大厦、上海分行开展碳盘查，为
持续开展数字化碳排放管理奠定基础。
We responded to the “carbon peak and carbon neutrality” goals proposed by the state, and
embraced them in our operation and management. We conducted carbon investigation in the
Head Office building and Shanghai Regional Branch to lay the foundation for digital carbon
emission management.
案例
Case
本行上海分行成沪上首家实现 2021 年度运营层面碳中和“绿色银行”
Shanghai Regional Branch became the first “green bank” in Shanghai with carbon-neutral
operation in 2021
2022 年 3 月，上海环境能源交易所对本行上海分行本部 2021 年度运营层面碳中
和进行认证，并颁发碳中和证书，本行上海分行成为上海市首家实现 2021 年度
运营层面碳中和的“绿色银行”。根据核算结果，上海环交所协助上海分行在国
家自愿减排交易注册登记系统完成等量的 CCER 注销，用于抵消分行 2021 年度
运营层面产生的碳排放，实现 2021 年度运营层面碳中和。
In March 2022, Shanghai Environment and Energy Exchange issued a carbon-neutral certificate which
recognized the carbon-neutral operation of Shanghai Regional Branch in 2021. The Regional Branch
本行上海分行“碳中和”认证
became the first “green bank” in Shanghai with carbon-neutral operation in 2021. According to the
证书 accounting results, Shanghai Environment and Energy Exchange helped the Shanghai Regional Branch
Carbon-Neutral Cer tificate for offset an equivalent amount of CCER on the National Registry System of Voluntary Emission Reduction to
Shanghai Regional Branch offset greenhouse gas emissions generated from operating activities of the Regional Branch in 2021.
22
Doing Our Bit for the Beautiful China 以绿为笔 共筑美丽中国梦想
绿色办公 Green office
北京银行绿色办公体系
Green Office System of Bank of Beijing
加强制度建设管理 坚持简洁、实用、自然的原则 鼓励员工在工作生活中
Strengthen system construction Adhere to the principles of simplicity, 养成良好的节约习惯
and management practicality and naturalness Strengthen system construction
and management
《北京银行节能减排管理规定》 选用节能型材料和绿色办公环保 加强用电管理
Regulations of Bank of Beijing on energy 节能产品 Strengthen power consumption
conservation and emission reduction Select energy-saving materials and management
green office environmental protection
and energy-saving products
《北京银行节能降耗实施方案》 对水资源利用进行管理
Implementation plan for energy Manage the utilization of
conservation and consumption reduction 减少纸巾的使用以及限制使用 water resources
of Bank of Beijing
一次性笔
Reduce the use of paper towels and
厉行节约、反对浪费
restrict the use of disposable pens
《北京银行绿色办公手册》 Practice strict economy and
Green office manual of Bank of Beijing oppose waste
推行精简各类活动，改为
绿色会议模式
《北京绿色办公守则》 减少纸质产品的使用
Simplify various activities and change to
Beijing green office code Reduce the use of paper products
green conference mode
《北京银行公务车辆管理规定》
Regulations of Bank of Beijing on the
administration of official vehicles
23
北京银行 2021 年 ESG 专题报告 BANK OF BEIJING Environmental, Social and Governance Report 2021
加强绿色办公制度建设管理
We established and improved green office management rules
修订《北京银行节能减排管理规定》，制定《北京银行节能降耗实施方案》，开展全行节能减排工作，
提高能源管理水平，积极倡导简约适度和绿色低碳的办公方式。
We revised the “Management Regulations of Bank of Beijing on Energy Conservation and Emission Reduction ” and formulated
the “Implementation Plan of Bank of Beijing on Energy Conservation and Consumption Reduction ”. We managed to improve
energy management through the Bank-wide energy conservation and emission reduction campaigns and practiced a simple,
measured, low-carbon and healthy green way of work.
为落实北京市国资委工作要求，制定《北京银行公务车辆管理规定》，规范机动车的使用管理，减少
车辆出行频率和空驶里程，有效降低油耗，做到上路车辆尾气排放达标，真正实现绿色出行。
In line with the requirements of the State-owned Assets Supervision and Administration Commission of the State Council
(SASAC), we formulated the “Regulations of the Bank of Beijing on the Administration of Cars for Public Affairs ”, strengthening
car management to reduce vehicle trip frequency and empty mileage, effectively pare down fuel consumption, and ensure that
vehicles in service meet the exhaust emission standards, thus realizing green travel.
坚持简洁、实用、自然的原则打造绿色办公环境
With a green mindset, we made our indoor space “simple, practical and natural”
选用节能型材料和绿色办公环保节能产品，打 减少纸巾的使用以及限制使用一次性签字笔、
造绿色环保办公环境。 圆珠笔，倡导使用再生笔或可替换内芯的笔。
Our offices were built with energy-efficient materials and We reduced the use of tissues, minimized the use of
green office supplies. disposable signature pens and ballpoint pens, and
advocated the use of recycled pens or pen refills.
基于“协同办公云平台”，通过易点办公、京 推行精简各类签约、线下活动，控制会议数量
智办公实现系统间的整合、融通、互联，推广 和规模，同时推广视频会议、电话会议等线上
自动化办公软件，电子化，无纸化办公。 会议为主的绿色会议模式。
Based on the “Cloud-driven Collaborative Office Platform”, We streamlined various contract signing and on-site
we integrated and interconnected different systems by activities, controlled the amount and size of meetings,
using such products through “Yidian” Office and “Jingzhi ” and held green meetings enabled by video conferences,
Office and promoted the use of automated office software, teleconferences and other forms of online meetings.
electronic and paperless office.
24
Doing Our Bit for the Beautiful China 以绿为笔 共筑美丽中国梦想
鼓励员工在工作生活中养成良好的节约习惯
We encouraged the employees to practice thrift in work and life
加强用电管理 Strengthening electricity management
各网点逐步应用总行智慧用电系统，通过系统优化控制达到节能降耗目标。
All branches of the Bank gradually adopted the smart power system run by the Head Office, and achieved the goal of energy saving and reduced
consumption through optimized system control measures.
对水资源利用进行管理 Managing the use of water resources
提醒员工及大楼外包人员用水完毕及时关闭水龙头，尽可能地使用感应水龙头，避免长流水现象的发生。
We reminded our employees and contractor staff to turn off water taps after use. The infrared sensor taps were recommended to avoid unnecessary
water flows.
深入开展“厉行节约、反对浪费”主题宣传活动 Carrying out publicity campaigns on “practicing thrift and avoiding waste”
号召全体员工坚持合理饮食、文明用餐，节约粮食、反对浪费，就餐适量而取，积极倡导“光盘”行动。
We called on all employees to have a proper diet, save food, take a decent serving of food and clear the dining plate to avoid waste.
减少纸质产品的使用 Reducing the use of paper products
不为参会人员提供一次性纸杯，内部员工需要自行携带个人水杯，减少纸杯使用。
We didn’t prepare disposable paper cups for meetings. Our employees needed to bring a reusable cup to reduce the use of paper cups.
本行在全行范围内宣传绿色节俭、节约用电用水。
Bank of Beijing promotes frugality, electricity and water conservation within the Bank.
25
北京银行 2021 年 ESG 专题报告 BANK OF BEIJING Environmental, Social and Governance Report 2021
绿色采购 Green procurement
严格遵守建立的绿色采购制度 We strictly abode by the established rules on green procurement
本行在《北京银行集中采购管理规定》中明确规定，“集中采购应优先采购节能环保产品，符合国家法律法规及政策相
关要求”。严格按照《集中采购管理办法》要求，进一步规范采购流程，在保证质量的前提下减少费用支出。
As stipulated in the “Centralized Procurement Management Measures of Bank of Beijing ” , “centralized procurement should give priority to energy-saving
and environmental-friendly products based on relevant national laws, regulations and policies.” In strict compliance with the aforesaid Measures, we
standardized the procurement process and reduced expenses and other costs without compromising the quality.
采购项目遵循环保标准 All procurement projects met the requirements for environmental protection
在实际货物采购项目中，挑选具有政府采购资质供应商货比三家，精选质优、价低、信誉度高供货商，从源头上杜绝材
料浪费。产品是否满足绿色环保的标准和要求是评判供应商的重要组成部分和先决条件。譬如，在城市副中心办公楼家
具采购项目中，对办公家具提出较高的环保要求，需满足 E0 级国际标准。
In the procurement process, we compared qualified government suppliers to find the best one with good quality, low price and sound reputation, and to
cut waste footprint. We took environmental compliance as an important standard and prerequisite for supplier evaluation. For example, in the upcoming
furniture procurement project for the office building of City Sub-center Regional Branch, we set high requirements on the suppliers’ environmental
performance to meet E0 international standards.
对电子类废弃物处置进行管理 We properly managed the disposal of electronic wastes
本行严禁擅自处理各种电子类废弃物，由具备专业资质的环保机构统一进行回收，避免造成环境污染。为妥善处置本行
在京地区各单位产生的固体废旧蓄电池，2021 年下半年本行启动北京地区废旧蓄电池处置项目，要求供应商应具有各地
方生态环境局颁发的《危险废物经营许可证》，确保通过招采流程招到符合相关环保资质要求的供应商，确保本行废旧
蓄电池处置到位。
We strictly prohibited unauthorized disposal of all kinds of electronic wastes, which should be recycled by certified environmental agencies to avoid
pollution. To properly dispose of any used solid batteries from business units in Beijing, we initiated a battery disposal campaign in Beijing in the second
half of 2021, which required all suppliers to obtain the “Permit for Operation of Dangerous Wastes ” from the local ecological environment authorities
to ensure that only qualified suppliers with environmental compliance could be recruited in our procurement process and our waste batteries be properly
disposed of.
对领用物资进行管理 We managed incoming and outgoing goods
物品出入库管理遵循适时适量、先进先出、财物相符、领用合规、定期盘点的原则，办公用品按照人员编制定额发放，
提倡以旧换新；废旧纸张等纸制品集中收集，统一处理。
In the principles of “appropriate timing and quantity”, “first in, first out”, “conformity between records and actual amount of property”, “compliance in
material collection and use”, and “regular inventory”. We distributed office supplies according to staffing quotas, advocated “old for new” for the use of
such supplies, and collected and disposed of waste paper products in a centralized manner.
26
Doing Our Bit for the Beautiful China 以绿为笔 共筑美丽中国梦想
垃圾分类 Waste sorting
本行深入贯彻落实北京市国资委《关于深化党建引领加强市管企业物业及生活垃圾分类管理工作的通知》《关于在市管
企业中开展生活垃圾分类示范创建工作的通知》等要求，紧密围绕物业管理及生活垃圾分类管理工作特点，加强组织领导，
扎实推进垃圾分类各项工作。
According to the “Notice of SASAC on Helping Municipal Enterprises Deepen Party Building to Strengthen Management of Property and Domestic Waste
Sorting ” and the “Notice of SASAC on Domestic Waste Sorting Demonstration at Municipal Enterprises ”, we strengthened the leadership to promote various
tasks of waste sorting.
案例
Case
“垃圾分类在行动” 为进一步强化党建引领，推进新版《北京市生活垃圾管理条例》落实落
实践活动 地，有效提升干部员工对生活垃圾分类的知晓率、参与率和正确投放率，
“Waste Sorting” Campaign
促进疫情防控、基层治理、垃圾分类工作有机结合，切实履行国有企业
政治责任和社会责任，本行积极开展“垃圾分类在行动”实践活动，营
造绿色环保的办公环境。
We launched a “waste sorting” campaign to create a green and environmental-friendly work
environment. The aim was to further strengthen party building, promote the implementation of
the new “Regulations on the Management of Domestic Waste in Beijing ”, effectively improve the
awareness, participation and accuracy among the management team and employees on waste
sorting, combine COVID prevention with grassroots governance and waste sorting, and earnestly
fulfill our political and social responsibilities as a state-owned enterprise.
本行员工参与社区垃圾分类值守工作。
Employees watched over beside a waste bin.
27
以进固稳
共创美好生活家园
TOGETHER FOR A BETTER HOMELAND
2021 年，本行积极履行社会责任，落实新发展理念，服务新发展格局，全力维护“六稳”“六保”大局，重点打造“GBIC2”
组合金融模式，打造全生态服务新模式，精准服务实体经济重点领域和薄弱环节，提升金融的适应性、普惠性和竞争力，全
力构筑北京银行发展的新动能、新优势。同时，本行高度重视利益相关方的诉求，持之以恒服务客户、成就员工、奉献社会，
在助力经济、社会、环境可持续发展的基础上，开创自身高质量发展新局面，成为 ESG 发展领先者。
这些举措充分响应了联合国可持续发展目标（SDGs）中的“无贫穷”“零饥饿”“良好健康与福祉”“优质教育”“性别平等”“体
面工作和经济增长”“减少不平等”“可持续城市和社区”以及“负责任消费和生产”这九个可持续发展目标。
In 2021, the Bank actively performed its social responsibilities and implemented the new development concept to serve the new development paradigm
and support stability on the six fronts and security in the six areas. Following the "GBIC2" model, the Bank created a new model of full-ecological service to
accurately serve the key areas and weak links of the real economy, thus enhanced the adaptability, inclusiveness and competitiveness of financial services,
and established the new energy and advantages for the development of Bank of Beijing. At the same time, the Bank attached great importance to the
demands of stakeholders by persistently serving customers, supporting employees, and making contribution to society. On the basis of assisting sustainable
development of economy, society, and environment, the Bank has ushered in a new prospect of high-quality development and has become an advanced
market player in terms of ESG performance.
These initiatives fully respond to the UN Sustainable Development Goals (SDGs) of “No Poverty”, “Zero Hunger”, “Good Health and Well Being”, “Quality
Education”, “Gender Equality”, “Decent Work and Economic Growth”, “Reduce Inequalities”, “Sustainable Cities and Communities”, and “Responsible
Consumption and Production”.
目标 1 无贫穷 目标 2 零饥饿
在全世界消除一切形式的贫困 消除饥饿，实现粮食安全，改善营养状况和促进可持续农业
Goal 1 No Poverty Goal 2 Zero Hunger
End poverty in all its forms everywhere End hunger, achieve food security and improved nutrition and promote sustainable agriculture
目标 3 良好健康与福祉 目标 4 优质教育
确保健康的生活方式、促进各年龄段人群的福祉 确保包容和公平的优质教育，让全民终身享有学习机会
Goal 3 Good Health and Well Being Goal 4 Quality Education
Ensure healthy lives and promote well-being for all at all ages Ensure inclusive and equitable quality education and promote lifelong learning opportunities for all
目标 5 性别平等 目标 8 体面工作和经济增长
实现性别平等，增强所有妇女和女童的权能 促进持久、包容和可持续经济增长，促进充分的生产性就业和人人获得体面工作
Goal 5 Gender Equality Goal 8 Decent Work and Economic Growth
Achieve gender equality and empower all women and girls Promote sustained, inclusive and sustainable economic growth, full and productive employment and decent work for all
目标 10 减少不平等 目标 11 可持续城市和社区
减少国家内部和国家之间的不平等 建设包容、安全、有抵御灾害能力和可持续的城市和人类住区
Goal 10 Reduce Inequalities Goal 11 Sustainable Cities and Communities
Reduce inequality within and among countries Make cities and human settlements inclusive, safe, resilient and sustainable
目标 12 负责任消费和生产
采用可持续的消费和生产模式
Goal 12 Responsible Consumption and Production
Ensure sustainable consumption and production patterns
北京银行 2021 年 ESG 专题报告 BANK OF BEIJING Environmental, Social and Governance Report 2021
服务 做好政府服务 , 夯实“压舱石”
Promoted services for the Government to consolidate the "ballast stone"
实体经济 本行紧跟北京市委市政府决策部署，把握政策机遇，持续强
Serving the real economy 化对首都功能建设、实体经济发展、重点项目建设等的金融
服务，切实将扎根首都的区位优势转化为高质量发展的动能
优势。
Following the arrangements of Beijing Municipal Party Committee and the
Municipal Government, the Bank grasps policy opportunities, continuously
strengthens financial services for the capital's functional construction, real
economic development and key project construction, and effectively turns the
advantage of being rooted in the capital into the momentum for high-quality
development.
推出手机银行“政务惠民”专区，实现个人参保信息、个人缴费明细等
10 项社保服务。
The "Government Affairs” zone was launched in the mobile banking APP, providing 10
social security services such as inquiry of individual’s insurance information and payment
details.
推出手机银行“政务惠民”专区，
助力 让社保权益查询、政务互动、便
智慧政务建设 民服务、医保大厅等八大常用政
Facilitated the
building of smart
务场景实现“线上办、马上办”；
配合北京市医疗保障局启动医保 government 打造“京管云”平台，满足院校“非
信息平台建设；开通医保个账支 接触”金融场景需求，“校园缴费”
付“北京普惠健康保”功能，开 已累计接入中小学校 81 家，推动
发智慧医疗金融服务产品。开展
全方位服务机关 服务政府 智慧政务、智慧医疗、智慧教育
教育培训机构资金监管业务。
事业单位和重点领域 数字化转型 提质增效。
In cooperation with Beijing Municipal Medical Provided all-round Facilitated digital The "Government Affairs” zone the mobile
Insurance Bureau, the Bank kicked off the services to public transformation of banking APP was developed, so that eight
construction of medical insurance information institutions and key the government
common government affairs scenes, such as social
platform; launched the payment function of areas
security benefits inquiry, government affairs inquiry,
individual medical insurance accounts, and
convenience services and medical insurance, can
developed medical financial service products.
be implemented "online and immediately". The
The Bank also conducted fund supervision
Bank built a platform named “Jingguan Cloud” to
business for education and training institutions. 深化金融市场
meet the needs of "non-contact" financial scenes in
改革服务 colleges and universities, and provided "Campus
Deepening services Payment" service into 81 primary and secondary
related to financial schools in total, which promoted the development
market reform
of smart government, smart medical care and
smart education.
深化与北交所、北金所、绿交所等专业交易平台合作，为专精特新、新三板企业、
科创企业、ESG 投资提供全周期综合服务。
The Bank deepened cooperation with professional trading platforms such as Beijing Stock Exchange, Beijing Financial
Assets Exchange, and China Beijing Green Exchange to provide full-cycle comprehensive services for little giants, NEEQ
companies, innovative hi-tech companies, and ESG investment.
30
Together for a Better Homeland 以进固稳 共创美好生活家园
做好商业银行服务，做大“基本盘”
Promoted Banking services to expand the base
本行坚持以数字化转型统领“五大转型”，转型成效不断显现，加速打造高质量发展的全新模式。
The Bank insists on the transformation in five major areas empowered by digital transformation to accelerate the creation of a brand-new
model of high-quality development.
聚焦贯彻落实新发展理念，推动发展模式转型
Implemented the new development concept and promoted the transformation of the development model
推进分支机构实现更加轻型化、集约化和高质量的发展
Business units of the Bank were promoted to achieve lighter, more intensive and higher-quality development
聚焦区域特色 深挖区域潜力 服务区域发展
Focus on regional characteristics Tapping regional potential Serving regional development
聚焦零售转型全行核心战略，推动业务结构转型
Implemented the core strategy of retail transformation to promote the transformation of business structure
零售营收贡献占比同比提升 零售客户数达到 AUM 达
The contribution of retail revenue increased by The number of retail customers exceeded AUM reached RMB 884.47 billion
5.44 percentage points year-on-year
25 million
个百分点 万户 亿元
聚焦服务中小企业初心使命，推动客户结构转型
Served SMEs to promote the transformation of customer structure
加速推进公司“客户倍增”计划，打造普惠金融“线上 + 线下”融合的服务平台，2018 年以来普惠金融贷
款年均增速持续超过 30%。
The Bank accelerated the implementation of the “doubling of corporate customer” plan and built an inclusive finance service platform
featuring "online + offline" integration. Since 2018, the average annual growth rate of inclusive loans has exceeded 30%.
报告期末公司有效客户数达到 普惠型小微企业（含个体工商户和小微企业主）贷款户数
At the end of the reporting period, the number of valid corporate customers Inclusive loans were offered to 138,000 small and micro enterprises
of the Bank reached 176,000 (including the self-employed and owners of small and micro enterprises)
万户 万户
较年初增幅 较年初增
An increase of 29% compared with the beginning of the year An increase of 115,000 compared with the beginning of the year
% 万户
31
北京银行 2021 年 ESG 专题报告 BANK OF BEIJING Environmental, Social and Governance Report 2021
聚焦打造“数字京行”，推动营运能力转型
Built a "Digital Bank of Beijing" to promote the transformation of operation capacity
全面加快企业级数字化转型，实现管理效能、业务效率和客户体验全面提升。
The Bank accelerated the enterprise-level digital transformation in an all-round way, and realized the overall improvement of
management efficiency, business efficiency and customer experience.
打造敏捷前台 打造聚能中台 打造稳健后台
Built an agile front desk Built a centralized middle desk Built a stable back office
聚焦服务型总行建设，推动管理方式转型
Built a service-oriented head office to promote the transformation of management methods
设立金融研究所、创新实验室，以重点项目为突破打造敏捷创新组织，加大赋能经营一线。
The Bank set up Financial Research Institute and Innovation Lab and built agile innovation organizations with key projects to enhance
the empowerment to frontline.
研究赋能
Research
技术赋能 创新赋能
Technology Innovation
赋能一线经营
工作
To enhance the
empowerment to
frontline
产品赋能 方案赋能
Product Scheme
32
Together for a Better Homeland 以进固稳 共创美好生活家园
加强投资银行服务 , 打出“优势牌”
Strengthened Investment banking services to foster superiority
打造基于上市公司、拟上市公司的全生态服务体系。
Built a full-ecological service system based on listed companies and companies to be listed.
截至报告期末，本行服务境内上市公司（不含金融类企业）
By the end of the reporting period, the Bank has served 1,045 domestic listed companies (excluding financial enterprises)
家
其中主板 创业板
Including 702 main board listed companies 259 GEM companies
家 家
科创板 北交所
70 STAR MARKET companies 14 companies listed on Beijing Stock Exchange
家 家
未来，本行将以科创板、北交所上市以及专精特新“小巨人”等高成长性科技企业为营销服务重点，强化
“商行 + 投行 + 私行”一体联动，整合公司、普惠金融、投行、交易银行、金融市场、零售、个贷、私行
等业务板块的产品服务，为不同生命周期的客户提供“创业担保贷”、“智权贷”、“科企贷”、债券承销、
银团贷款、并购贷款、公募 REITs、ABS、投贷联动、并购撮合、智能支付结算、数字供应链金融、家族
财富规划、理财、消费贷、信用卡等一揽子综合化金融服务方案，并通过北京、上海、南京三地的小巨人
创客中心为初创企业提供创业孵化增值服务。强化与北交所、中介机构、PE、VC、券商、基金的外部生
态协同，拓宽“朋友圈”，提升“服务面”，共同助力更多企业借助资本市场实现高质量发展。
In the future, the Bank will focus on technology enterprises listed on STAR MARKET, Beijing Stock Exchange, and "Little Giants",
strengthen the coordination of "commercial banking +investment banking +private banking", and integrate the products and
services of corporate banking, inclusive finance, investment banking, transaction banking, financial market, retail banking, retail
loan and private banking. The Bank will provide those customers at different phase of life cycles with a package of integrated
financial services, such as startup guarantee loan, intellectual property pledged loan, hi-tech company loan, bond underwriting,
syndicated loan, M&A loan, public offering REITs, ABS, CDEI, M&A matching, intelligent payment settlement, digital supply chain
finance, family wealth planning, wealth management, consumer loan, credit card, etc. Incubation value-added services for start-ups
will also be provided through the Little Giant Maker Center in Beijing, Shanghai and Nanjing. The Bank will continue to strengthen
the external ecological synergy with Beijing Stock Exchange, intermediaries, PE, VC, brokers and fund companies, to broaden
the "circle of friends" and enhance the "service surface", so as to jointly help more enterprises achieve high-quality development
through the capital market.
33
北京银行 2021 年 ESG 专题报告 BANK OF BEIJING Environmental, Social and Governance Report 2021
做好公司和个人服务 , 筑牢“护城河”
Improved Company & Consumer services to boost business development
基于客户体验和价值创造，全方位推动业务创新、服务创新、技术创新、场景创新、融合创新，形成政府、
国有企业、商业银行、投资银行、消费者和企业的高效联动，为客户提供全生态、全业态、全场景、全生
命周期的综合服务。
Based on customer experience and value creation, the Bank promoted business innovation, service innovation, technological innovation,
scene innovation and integration innovation in an all-round way to generate the efficient synergy among the government, state-owned
enterprises, commercial banks, investment banks, consumers and enterprises, provide customers with comprehensive services of all
ecosystem, all formats, all scenes and all life cycles.
打通价值链条 政府引导 金融支持 企业发展 产业升级 居民增收
Government Financial Enterprise Industrial Income increase of
Coordinate each guidance support development upgrading residents
and every part on a
value chain
强化各领域业务创新，汇聚高质量发展动力
The Bank strengthened business innovation in various fields and gather momentum for high-quality development
报告期内，本行
During the reporting period, the Bank
强化零售业务创新 强化对公业务创新
Strengthened the innovation of retail business Strengthened the innovation of corporate business
升级推出“智慧医保 2.0”服务，实现医保服务“掌 推出“高精尖双益贷”“专精特新领航贷”“科企
上办”“码上享” 贷”“文信贷”“文化英才贷”等更加贴合科技型、
Upgraded the “Smart Medical Insurance 2.0” service, making
文化型企业生命周期和发展需求的创新产品
medical insurance services accessible on mobile App and QR
Launched innovative products that are more in line with the life
code
cycle and development needs of sci-tech and cultural enterprises,
发布“万院计划”支持乡村振兴战略 such as loans for advanced hi-tech enterprises, “little giant”
Issued the “Ten Thousand Courtyard Plan” to support the rural enterprises, sci-tech companies, cultural enterprises, and cultural
revitalization strategy talents
搭建信用卡 O2O 数字营销一体化平台 北京市首家上线国库集中支付一体化系统
Built a credit card O2O digital marketing integration platform The Bank released the first integration system of centralized
treasury payment
打造线上经营“京 e 贷”产品
Created online business loan product (Jing -E loan)
强化金融市场业务创新
Strengthened financial market business innovation
与进出口银行合作落地全国首笔科创转贷款
Cooperated with the Export-Import Bank of China to launch the first sci-tech sub-loan in China
34
Together for a Better Homeland 以进固稳 共创美好生活家园
强化“线上 + 线下”服务创新，持续提升客户服务体验
The Bank strengthened “online + offline” service innovation to continue improving customer service experience
适应客户“非接触”服务需求，强化线上服务渠道建设。
It adapted to the customer’s needs for contactless service and strengthened the construction of online service channels.
上线手机银行 APP6.0，构建起政务类、消费类、特色类三大场 优化企业网银 8.0 流程 100 项，功能
The Bank optimized 70 functions and 100 processes of Corporate Online Banking 8.0
景生态体系，全年累计迭代
The Bank released the Mobile Banking App 6.0 after iteration for more than 160
项
times throughout the year, and built up 3 major scene ecosystems, i.e. government
affairs, consumers, and featured
余次
网银覆盖率达
With the online banking coverage rate reaching 66%
报告期末手机银行用户数达 %
At the end of the reporting period, the number of mobile banking users reached
11.32 million
万户
同比提升 5 个百分点
Up 5 percentage points year-on-year
月活用户超 推出企业手机银行 4.0、企业微信银行、“北京银行京管家”普
With monthly active users exceeding 4 million
惠专属 APP 和微信小程序，构建对公业务线上化、场景化营销
万户 服务体系，强化综合服务创新。
The Bank launched the Corporate Mobile Banking 4.0, Corporate WeChat Banking,
“Bank of Beijing SME Butler App” for inclusive business and WeChat Mini Program to
build an online and scene-based marketing service system for corporate business. The
较年初提升 74%，移动端结算类交易笔数同比增长 40% Bank also strengthened innovation on comprehensive services.
Up 74% from the beginning of the year, and the number of mobile settlement
transactions increased by 40% year-on-year
强化供应链金融创新，更好融入企业生态和行业生态
The Bank strengthened the innovation of supply chain finance to better integrate into the ecosystem of enterprises and industries
报告期内 截至报告期末
During the reporting period By the end of the reporting period
本行坚持以开放生态、流程重塑、数据驱动、场景敏 新增核心企业客户数、供应商客户数以及贷款投放规模三项
捷为方向，推动供应链数字化转型。 指标增幅较 2020 年均超 150%，并在助力公司业务转型、优
The Bank adhered to the orientation of open ecosystem, process 化客户结构、拓展普惠客群、拉动资金留存等方面发挥优势。
reengineering, data-driven and scene-based agility to promote the
The number of newly-added core corporate customers, the number of supplier
digital transformation of supply chain.
customers, and the loan scale had all increased by more than 150% compared
with 2020, and they played positive roles in helping the corporate business
transform, customer structure optimization, inclusive customer acquisition, and
fund retention.
%
35
北京银行 2021 年 ESG 专题报告 BANK OF BEIJING Environmental, Social and Governance Report 2021
强化绿色金融创新，积极服务“双碳”战略
The Bank strengthened green finance innovation to actively serve the “dual carbon” strategy
报告期内
During the reporting period
本行把握“双碳”战略机遇，紧跟国家和首都绿色发展政策部署，将绿色金融上升为全行重要发展战略，全面加快绿色
金融发展步伐。
The Bank seized the strategic opportunity of “dual carbon goals”, followed closely the national and capital green development policies, upgraded green finance
to an important development strategy of the whole bank, and comprehensively accelerated the pace of green finance development.
截至报告期末
By the end of the reporting period
本行绿色贷款余额 较年初增长 增幅
The green loan balance of the Bank was 47.74 billion An increase of 21.52 billion Yuan over the An increase of 82.1%
Yuan
beginning of the year
亿元 亿元 亿元
形成总分联动的绿色金融业务垂直管理架构，打造特色网点模式，成立北京地区首家“绿色”支行，形成北京地区“一东一西”
绿色特色支行空间格局。
The Bank has established a vertical management structure of green finance business synergizing the head office and regional branches. The Bank created a
featured network mode and set up the first “green” branch in Beijing. Currently, there are two green branches in total, one on the east side and the other on the
west side of Beijing.
加快绿色金融创新，发布“绿融 +”绿色金融品牌
The Bank accelerated the innovation of green finance, released the “Green Finance+” brand
绿色贷款 绿色债券 绿色供应链 绿色金融生态圈
Green loans Green bonds Green supply chain Green financial ecosystem
打造“点、线、面”相结合的立体化服务体系
Built a three-dimensional service system
36
Together for a Better Homeland 以进固稳 共创美好生活家园
落地银行间市场全国首单“碳中和”小微金融债券 落地全国首单供应链绿色资产支持票据承销
Launched the first “carbon neutrality” financial bond for SMEs in Launched the first underwriting of supply chain green asset-
the interbank market backed bills in China
落地“双碳”背景下北京市首笔碳配额质押贷款 助力全国首批、北京市首笔公募 REITs——“首钢
业务 绿能”成功募集
Launched the first carbon allowance pledge loan business in Beijing Facilitated the first public offering REITs in China and Beijing, i.e.
against the background of “Dual Carbon” goals Shougang Green Energy
加强金融科技赋能，组建“点绿成金”项目小组，推动绿色金融管理系统建设。
The Bank strengthened the fintech empowerment and set up a green finance project team to promote the construction of green finance management system.
强化数币金融创新，打造数字货币时代的北京银行
The Bank strengthened financial innovation of Digital Yuan e-CNY to reshape Bank of Beijing in the era of digital currency
本行抢抓数字经济发展机遇，以数字人民币对民生的促进作用为根本出发点，全力推动数字人民币业务拓展，打造北京
银行数字人民币业务特色、亮点。
The Bank seized the opportunity of digital economy, and made every effort to promote the development of e-CNY business to improve people’s livelihood
and create the Bank’s business highlight.
报告期内
During the reporting period
本行作为首批合作银行成功接入数字人民币互联互通平台，全面实现数字人民币 APP 各项功能对接。
Among the first batch of cooperative banks, the Bank successfully accessed the e-CNY interconnection platform to add various functions of the
e-CNY APP.
多方开展数字人民币运营机构合作，在本行自建渠道快速推出数字人民币服务功能，企业网银实现单位客户数字
人民币服务功能， 京彩生活”手机银行 APP 实现个人客户数字人民币服务功能。
The Bank cooperated with many e-CNY operators, and launched e-CNY service functions in our self-built channels. Corporate online
banking realized the e-CNY service function for corporate customers, and our mobile banking APP realized the e-CNY service function for
retail customers.
与数字人民币运营机构开展合作，重点支持冬奥会等应用场景，协力优化冬奥会支付服务环境。
The Bank cooperated with e-CNY operators to build application scenes related to the Winter Olympics Games, so as to optimize the payment
service environment for the Winter Olympics Games.
37
北京银行 2021 年 ESG 专题报告 BANK OF BEIJING Environmental, Social and Governance Report 2021
强化特色金融创新，推进特色金融和新经济共发展
The Bank strengthened financial innovation to promote the development of featured finance and new economy
科创金融
Sci-tech 文化金融
innovation Cultural finance
finance
重点布局《北京市“十四五”时期高精尖产业 推出“文信贷”“文化英才贷”“电影 +”版
发展规划》提出的新一代信息技术、医药健康 权质押贷款等文化金融产品。
等十大战略性新兴行业，积极支持高新技术企 We launched cultural finance products such as “Cultural
Credit”, “Cultural Talent Loan” and “Movie+” copyright
业、“专精特新”中小企业、新三板挂牌和北
pledge loan.
交所企业等创新发展。
We focused on the ten strategic emerging industries, such 全行文化金融贷款余额
as the new generation of information technology, medicine The balance of cultural finance loans reached RMB 63.42 billion
and health proposed in the “Development Plan of High-tech
亿元
Industries in Beijing during the ‘14th Five-Year Plan’ Period”,
and actively supported the innovation and development of
high-tech enterprises, “little giants” SMEs, and enterprises
listed in the NEEQ and Beijing Stock Exchange.
户数
With 3,278 customers
全行科创金融贷款余额
The balance of sci-tech innovation finance loans of the Bank totaled 户
RMB 160.75 billion
亿元
户数
With 7,150 customers
户
38
Together for a Better Homeland 以进固稳 共创美好生活家园
普惠金融 绿色金融
Inclusive finance Green finance
升级普惠拓客平台，持续完善对公网贷平台、 推出“绿融 +”绿色金融服务品牌，打造“绿
贷后管理平台等操作平台，打造普惠金融拳头 融贷”“绿融债”“绿融链”“绿融家”系列
产品。 产品和服务，持续构建绿色贷款、绿色债券、
We upgraded the platform to acquire inclusive customers, 绿色供应链、绿色金融生态圈。
improved the corporate online lending platform, post-loan
We launched the “Green Finance+” green financial service
management platform and other operating platforms, and
brand, created a series of products and services such as
created hit inclusive finance products.
“Green Finance Loan”, “Green Finance Bond”, “Green
Finance Chain” and “Green Finance Home” to build a green
全行普惠金融贷款余额 finance ecosystem.
The Bank’s inclusive finance loan balance totaled RMB 126.1 billion
亿元
全行绿色贷款余额
The balance of green loans was RMB 47.74 billion
亿元
普惠型小微企业（含个体工商户和小微企业主）贷款
户数
The number of inclusive SMEs (including individual commercial
增幅
households and SME owners) loan customer totaled 138,000
An increase of 82.1%
万户
%
累计服务客户数超千户
The cumulative number of customers exceeded 1,000
39
北京银行 2021 年 ESG 专题报告 BANK OF BEIJING Environmental, Social and Governance Report 2021
案例
Case
加大普惠业务指标考核 本行南昌分行为充分发挥绩效考核对普惠金融业务发展的引导、促进和激励
履行社会责任 作用，认真落实国务院和人民银行、银保监会等监管部门金融支持实体经济、
Strengthened the performance assessment
民营小微企业的政策要求，推动分行普惠小微业务持续、快速、稳健发展，
related to inclusive finance business to fulfill
social responsibilities
分行将普惠金融贷款户数增量、公司普惠金融贷款增量、普惠个贷增量三项
考核指标纳入辖内分、支行及管理部门业务经营综合考评体系。同时，设立
普惠小微业务专项奖，对经营单位普惠贷款增量和存量分别给予增量奖励和
存量维护奖励。
Nanchang Regional Branch fully utilized the role of performance assessment in guiding, driving, and
motivating the development of inclusive finance business, conscientiously implemented the policy
requirements of the State Council, PBoC, CBIRC, and other regulatory authorities to support the real
economy and private small and micro enterprises, and promoted the sustained, rapid, and steady
development of the regional branch’s inclusive business for SMEs. The Regional Branch incorporated three
indicators, namely, growth of inclusive finance loan customers, growth of corporate inclusive finance loans,
and growth of inclusive retail loans, into its comprehensive business assessment system for the regional
branch, branches, and management departments. At the same time, special awards for inclusive small and
micro business was set up to award business units for their incremental and existing inclusive loans.
创新服务模式助力 本行上海分行小巨人创客中心定位于小微企业“孵化器 + 加速器”，发挥金
小微企业发展 融基因的优势，与各类创投机构、众创空间共同构建开放、协作、共赢的生
Innovate service models to facilitate the
态共同体，对于入驻的小微企业进行全方位、全链条、全周期金融服务。
development of small and micro enterprises
2021 年，本行上海分行成功支持创客中心入驻小微企业获得创业贷款、股
权融资。此项服务创新荣获上海银行业优秀小微企业金融服务案例。
The Little Giant Maker Center of Shanghai Regional Branch is positioned as an incubator and accelerator
for small and micro enterprises, giving full play to the advantages of financial genes. It constructed an
open, collaborated, and mutually beneficial ecosystem with various startups and maker spaces, and
全方位
provided comprehensive, full-chain, and full-life-cycle financial services to small and micro enterprises. In
金融服务
2021, Shanghai Regional Branch successfully helped SMEs in the Center to acquire start-up loans and
Comprehensive financial
services
equity financing. This service innovation was selected as an Outstanding Case of Financial Services for
SMEs of the Shanghai Banking Industry.
全链条
金融服务
Full-chain financial
services
全周期
金融服务
Full-life-cycle financial 北京银行上海分行小巨人创客中心是上海首家“银行系”众创空间。
services
The little giant maker center of Bank of Beijing Shanghai branch is the first "banking" maker
space in Shanghai.
40
Together for a Better Homeland 以进固稳 共创美好生活家园
荣膺“2021 浙商最信赖小微企业 本行杭州分行自 2008 年成立以来，始终践行“服务地方经济、服务中小企业、
服务银行” 服务市民百姓”的战略定位，以普惠金融为根基，以特色金融为品牌，助力
Won the “2021 Zhejiang Merchants Most
小微企业融资“增量、降价、提质、扩面”。2021 年，本行杭州分行荣膺“2021
Trusted Bank with Services for Small and
Micro Enterprises”
浙商最信赖小微企业服务银行”。
Since its establishment in 2008, Hangzhou Regional Branch has been positioned to serve the local
economy, small- and medium-sized enterprises, and the common people. With inclusive finance
as the foundation and featured finance as its brand, the regional branch helped small and micro
enterprises to increase amount, reduce prices, improve quality, and expand scale in terms of
financing. In 2021, Hangzhou Regional Branch won the title of “Zhejiang Merchants Most Trusted
Bank with Services for Small and Micro Enterprises”.
下沉金融服务重心，加强摸底排查、沟通衔接，通过更细更实的举措捕
捉小微企业更深层次的融资需求。
在深度上
The Regional Branch adjusted its focus on financial services, strengthened inspection and
IN TERMS OF DEPTH
communication, and captured deeper financing needs of small and micro enterprises through
more detailed and practical measures.
提高金融服务效率，用更高效的流程、更专业的服务，不断畅通资金直
在效能上 达渠道。
IN TERMS OF EFFICIENCY
The Regional Branch enhanced the efficiency of financial services, using more efficient
processes and professional services to open more channels for funds.
提升金融服务的精度，通过精准对接、创新产品，强化“一企一策”，
精准助力小微企业复元气、添动力、强活力。
在质量上
The Regional Branch improved the accuracy of financial services, strengthened the “one
IN TERMS OF QUALITY
enterprise, one policy” principle through precise communication and innovative products, so
as to inject motivation, energy and vitality into small and micro enterprises.
截至 2021 年 12 月末
As of the end of December 2021
杭州分行普惠小微贷款余额 较年初增长
The balance of inclusive small and micro Representing an increase of RMB 3.863 billion
loans of Hangzhou Regional Branch was RMB from the start of the year
11.651 billion
亿元
增幅
亿元 Up 49.6%
%
41
北京银行 2021 年 ESG 专题报告 BANK OF BEIJING Environmental, Social and Governance Report 2021
案例
Case
投放 2000 万元抗疫贷款 2021 年 10 月底，江西省上饶市铅山县突发新冠肺炎疫情，此前江西省连续 610
驰援铅山定点救治医院 天无新增本地确诊病例报告，突如其来的疫情给当地医疗保障和物资保障带来巨
Disbursing epidemic-preventation loans
大考验，铅山县唯一定点救治医院急需资金采购医用防护服、防护面罩、消毒液
of RMB 20 million to aid the designated
hospital in Yanshan
等防疫物资。
At the end of October 2021, there was an outbreak of COVID-19 in Yanshan County, Shangrao, Jiangxi
after no new reports of local cases in Jiangxi for 610 consecutive days. The sudden outbreak posted great
challenges to local medical and material supply. The only designated hospital for treatment in Yanshan
urgently needed funds for the purchase of PPE, masks, disinfectant, and other pandemic prevention
materials.
防护服 防护面罩 消毒液
PPE Masks Disinfectants
获悉相关情况后，本行南昌分行快速行动、积极对接，开辟“绿色通道”推进相
关审批流程，及时“雪中送炭”为该医院发放贷款 2000 万元，解决了疫情防控
资金困难，以实际行动践行“金融为民”初心，用京行速度、温度、力度彰显来
自首都金融企业的责任与担当。
After learning of the situation, Nanchang Regional Branch acted quickly and opened a green channel
to expedite the approval process to issue a loan of RMB 20 million to the hospital in a timely manner,
which resolved the funding difficulties of epidemic prevention and control, practiced the Regional Branch’s
original intent to provide financial services for the people, and demonstrated the responsibility of a
financial enterprise with the Bank’s speed, warmth and strength.
南昌分行给江西某医疗器械公司发放
1000 万元贷款，用于紧急采购疫情防控
物资。
Nanchang Branch issued RMB 10million loan
to a medical device company in Jiangxi for
emergency procurement of epidemic prevention
and control materials.
42
Together for a Better Homeland 以进固稳 共创美好生活家园
金融惠农 本行济南分行积极践行国家普惠金融政策，紧跟国家乡村振兴战略，实施乡
金融产品创新“京益农” 村振兴工程， 2021 年定制分行“京益农”创新型服务方案，针对农业产业
Financial Product Innovation to Support
化龙头企业和农业产业特色集群，为龙头企业的上下游以及特色集群内的涉
Agricultural Development: “Jing Yinong”
(Bank of Beijing Benefiting Agriculture)
农中小微企业、专业合作社、个体工商户及农户发放日常生产经营活动贷款。
本创新服务方案通过担保公司全业务流程线上服务、线上系统出具电子担保
函、倾斜高贴息（最高可达 3.175%）且无需保证金等多维度综合服务倾斜，
有效降低了客户综合成本，提升了项目推进效率。
Jinan Regional Branch actively implemented the national inclusive finance policy, closely followed
the rural revitalization strategy, implemented the rural revitalization project, and customized the
innovative service plan of “Jing Yinong” in 2021. Loans for daily production and business activities
were provided to small and medium-sized enterprises, professional cooperatives, self-employed
people and farmers in the upstream and downstream of leading enterprises and characteristic
clusters of agriculture industry. This innovative service plan effectively reduced the comprehensive
cost of customers and improved the efficiency of project promotion through guarantee company’s
online services covering full business process, issuance of electronic guarantee letter through online
system, offering of high discount rate (up to 3.175%) and removal of margin.
为受困文化企业 北京某文化传媒有限公司为线下音乐培训机构，品牌名称“中国乐手”。
提供纾困金融服务 Cultural Enterprise A is an offline music training institution with the brand name of “Chinese
Providing financial services to distressed Musician”.
cultural enterprises
2020 年
In 2020
受新冠肺炎疫情影响，线下培训及活动全面停摆，企业转型线上交流、
线上培训业务，通过本行的资金支持，采购线上培训交流设备，于 2021
年初收入实现大幅增长。
Due to the impact of the epidemic, offline classes and activities were completely suspended,
and the enterprise transformed into an online communication and training business. With the
financial support of the Bank, the enterprise purchased online training and communication
equipment, and was able to achieve a substantial increase of income in early 2021.
2021 年 4 月
In April 2021
企业因准备恢复线下培训和交流活动，存在临时性贷款需求，通过本行
手机银行申请，获得线上个人经营性信用贷款 30 万元，受困文化企业
得以持续经营。
The enterprise needed a loan to facilitate the resumption of offline training and exchange
activities. Through an application submitted to the Bank’s mobile banking gateway, the
enterprise was able to obtain an online retail business credit loan of RMB 300,000, which
facilitated the daily operations.
43
北京银行 2021 年 ESG 专题报告 BANK OF BEIJING Environmental, Social and Governance Report 2021
品质服务
本行始终秉承“真诚 所以信赖”的服务理念，持之以恒深耕医疗社保、教
育出行、工会服务等民生领域，用金融的温度，便利百姓的生活，打造“伴
Quality services 您一生的银行”。为践行负责任企业的义务，本行以投诉治理为着力点，持
续深化业务流程，探索金融知识宣教的新模式，切实解决群众反映的痛点难
点问题，保证消费者合法权益。
Upholding the service concept of winning customers' trust with sincerity ("Our Sincerity, Your Trust"),
the Bank deeply involved in fields related to people’s livelihoods such as healthcare and social
security, education and travel, and labor union services, using the warmth of finance to improve
people’s lives and to build "Your Lifetime Bank".In order to fulfill its obligations as a responsible
enterprise, the Bank focused on complaint management, continued to deepen its business processes,
explored new models for financial knowledge education, efficiently solved the pain points and
challenges of the people, and guaranteed the legitimate rights and interests of consumers.
数字化服务纵深发展 In-Depth development of digital services
本行搭建起优势互补、交叉融合、互惠共赢的综合化金融平台，致力于为客
户提供多元化、全流程的一站式金融服务。积极以多场景、特色化设置实现
生活、政务服务应用全覆盖，以金融科技质变推动业务模式转变。
The Bank constructed a comprehensive financial platform with complementary advantages, cross-
integration, and mutually beneficial aspects to provide customers with diversified, full-process, and one-
stop financial services. The platform realized the full coverage of daily life scenes and government service
applications, and drove the transformation of business models through changes of financial technology.
APP 建设成效显著
The Bank achieved remarkable results in APP development
目前已推出手机银行尊爱版、英文版以及小程序平台、5G 消息平台、鸿蒙
操作系统等，形成以 APP 为核心的移动端全渠道矩阵，APP 客户活跃水平
持续提升。
At present, the Bank has launched the elderly version and English version of mobile banking app,
mini-program platform, 5G messaging platform, version for Harmony OS, and other projects,
forming a mobile omni-channel matrix with APPs at its core to activate APP users.
截至 2021 年末，手机银行客户数达到
By the end of 2021, the number of mobile banking customers reached 11.32 million
万
MAU 超 较年初提升
MAU exceeded 4 million Representing an increase of 74% from the start of the year
万户 %
移动端结算类交易笔数同比增长
The number of settlement transactions at the mobile end increased by 40% year-on-year
%
44
Together for a Better Homeland 以进固稳 共创美好生活家园
坚持惠民服务特色
The Bank adhered to service principle of benefitting the people
以科技力促更便捷、体验更好的基础银行服务。普惠线上拓客管理平台运用互联网、大数据、人工智能、生物识别等技
术应用，将“数字、平台、生态”赋能普惠金融，构建了包含银行、渠道、数据的多维网络，并在此基础上实现：
Used technology to provide more convenient and better experience in basic banking services. The Bank’s inclusive online customer expansion management
platform used the Internet, big data, AI, biometrics, and other technical applications to empower inclusive finance through digital transformation, platforms,
and ecosystems, constructing a multi-dimensional network that includes the Bank, channels, and data, which is capable of：
营销的 产品的 服务的 风险的
精准触达 量身定做 差异设计 监测预警
Achieving precise Tailor-made Differentiated service Risk monitoring and early
marketing products design warning
推进用户体验和服务质量的提升
Continuously improve the user experience and service quality
本行 95526 客服中心以智能化和全媒体服务为抓手，不断推进用户体验和服务质量的提升。
The Bank’s 95526 customer service center used intelligent and omni-media services to continuously improve the user experience and service quality.
借助 AI 技术实现服务广度和服务效率的全面提升
Using AI technology to improve service scope and efficiency
2021 年上线的智能外呼客户触达效率是人工的 5 倍以上，转化效果是传统方式的数十倍。
The smart outbound calling system launched in 2021 proved 5 times more effective than manual operations, with a conversion rate dozens of
times higher than that of conventional methods.
构建集语音、文字、视频于一体的全媒体远程服务体系
The Bank also constructed an all-media remote service system that integrates voice, text, and video
通过提升服务可视化能力和远程身份核验能力，拓展丰富的空中经营和空中运营服务场景，为客户提供足不出户
即可享受银行全方位服务的流畅体验。
By improving service visualization and remote identity verification, the Bank expanded remote operation and service scenes to provide customers
with a smooth experience across a full range of banking services without leaving their homes.
拓展智能平台服务渠道
Continued to build and expand its smart platform service channels
基于“线上全渠道经营”的思路，本行持续建设拓展智能平台服务渠道，加速服务与技术迭代，进一步提升精细服务水平，
丰富服务功能，通过深化与头部互联网平台的支付合作，优化客户体验。
Based on the principle of online omni-channel operations, the Bank continued to build and expand its smart platform service channels, accelerate service
and technology iteration, further refine its services, enrich service functions, and optimize the customer experience through in-depth payment cooperation
with leading Internet platforms.
45
北京银行 2021 年 ESG 专题报告 BANK OF BEIJING Environmental, Social and Governance Report 2021
案例
Case study
北京银行“京管家”实现线上 针对小微企业“散、多、小”的特点，本行打造“管家式”服务，并结合区域特
7×24 信贷融资服务 色划分“城市服务专区”，为客户提供 7×24 小时实时在线的信贷融资服务。同
“SME Butler” App realized 24/7 online
时搭建微信小程序、微信公众号、钉钉服务窗等社交轻应用，构建普惠业务多重
credit financing services
流量入口，实现小微客户全渠道线上精准获客，小微企业足不出户即可办理业务。
同步推出普惠客群专属的全线上贷款产品“普惠速贷”，提升融资效率、优化客
户体验，充分满足小微企业“短、小、频、急”的资金需求。
In view of the scattered, numerous, and small nature of small and micro enterprises, the Bank created
“housekeeper” services, and determined “urban service areas” in accordance with regional characteristics
to provide customers with 24/7 real-time online credit financing services. At the same time, the Bank
developed WeChat mini-program and established a WeChat official account, DingTalk service portals, and
other social media apps to construct multiple traffic portals for inclusive businesses, realizing the precise
为客户提供 7×24 小时实时在 acquisition of small and micro enterprise customers through online channels, and providing such enterprises
线的信贷融资服务 with the ability to handle their business indoors. The Bank also launched the online “Inclusive Quick Loan”
To provide customers with 24/7 real- product for its inclusive customer group, improving financing efficiency, optimizing the customer experience,
time online credit financing services and fully meeting the “short-term, small, frequent, and urgent” capital needs of small and micro enterprises.
“京彩生活”手机银行 2021 年，本行持续加快手机银行建设进程，坚持“以客户为中心”，推进手机银
迭代升级 行迭代升级。
Upgrade of mobile banking APP
In 2021, the Bank continued to accelerate the construction of mobile banking APP, adhering to a customer-
oriented approach and upgraded mobile banking APP.
持续提升 APP 精细服务水平。全年累计迭代 160 余次、涉及 160 余项功能服务优化。
细分服务客群的同时丰富服务功能，推出多项服务专区。
Continued to improve the refined service of its app, involving over 160 iterations and functional
service optimizations throughout the year, enriched service functions and launched a number of
service areas while segmented customers.
推进线下业务线上化。贯彻落实全行数字化转型发展战略，进一步提升本行网点
服务效能，充分发挥手机银行的服务优势，打造丰富的便民、惠民场景服务，在
生活、政务等频道进行布局重构。
Made offline business online through the implementation of digital transformation strategy throughout
the Bank, further improving the service efficiency of branches, and giving full play to the service
全年累计迭代 advantages of mobile banking APP, created convenient and beneficial service scenes, and
Over 160 iterations throughout the year reconstructed the layout of channels for life and government affairs.
余次
升级完善线上客户运营体系。持续迭代优化智能营销平台，通过多样的优惠福利
促进消费增长。
Upgraded and improved the online customer operation system, optimized the smart marketing
platform and drove consumption growth through various preferential benefits.
功能服务优化
160 functional service optimizations
建设电子银行开放服务能力。优化升级“京彩钱包”聚合支付产品，为广大客户
提供便捷的移动支付环境和体验。
余项 Developed the open service capabilities of e-banking, optimized and upgraded the “Jingcai
Wallet” aggregation payment product, and provided customers with a convenient mobile payment
environment and experience.
46
Together for a Better Homeland 以进固稳 共创美好生活家园
加强消费者权益保障 Strengthen the protection of consumer rights and interests
2021 年，本行深入开展“我为群众办实事”实践活动，持续加强消费者权益保护工作，建立健全消费者
权益保护机制，以投诉管理为抓手，深入重点领域追本溯源，提高服务质效，提升消费者满意度。
In 2021, the Bank carried out in-depth activities to benefit the people, continued to strengthen the protection of consumer rights and
interests, established and improved its consumer rights and interests protection mechanism, focused on ensuring compliant management,
deeply explored key areas to identify the source of problems, and improved service quality and efficiency to improve customer satisfaction.
北京银行消费者权益保护宣教工作框架
Framework of the Publicity and Education Work of Bank of Beijing on Consumer Rights Protection
实现两个目标
Achieve two goals
增强消费者金融知识和风险防范能力
Enhance consumers' financial knowledge and risk
树立一个理念 prevention ability
Stick to one concept
提高北京银行宣教员服务水平
以金融消费者为中心 Improve the service level of publicity staff of Bank of Beijing
Being financial consumer-centered
构建三个机制
Build three mechanisms 坚持四个结合
Persist in four combinations
管理机制
Management mechanism
日常与集中宣教相结合
Combination of daily and centralized publicity and education
长效机制
Long-term mechanism
行内、行外与线上宣教相结合
Combination of Internal, external and online publicity and education
联动机制
Coordination mechanism
传统宣教与创新宣教相结合
Combination of traditional publicity and innovative publicity
北京与外埠特色宣教相结合
Combination of Beijing and other cities' characteristic
publicity and education
47
北京银行 2021 年 ESG 专题报告 BANK OF BEIJING Environmental, Social and Governance Report 2021
为全方位保障消费者权益，本行通过科学可靠的消保体系设计，“自上而下”对产品与服务流程进行全周期管理审核，
在排查可能妨害客户信息与资金安全的漏洞的基础上，辅以健全的投诉反馈机制，为客户提供“安全、安心、安定”的
权益保护服务。
In order to protect the rights and interests of consumers in a comprehensive manner, the Bank conducted a top-down full-life-cycle management and review
mechanism of products and service processes through designing a scientific and reliable PCRI system. Based on the identification of loopholes that may
hinder the security of customer information and funds, and supplemented by a sound complaint feedback mechanism, the Bank provided customers with
safe, secure, and stable services to protect their rights and interests.
本行印发《北京银行消费者权益保 通过制定《北京银行私人银行代销 本行定期对总行部门及分支机构进
护工作管理规定》《北京银行消费 业务合作机构与产品准入管理规定》 行考核，其内容涵盖产品审查、营
投诉管理规定》等一系列消保体系 等多项制度流程，本行严格对代销 销推介、信息披露、网点服务、投
文件，为总分支三级机构有序开展 产品、收益类产品和创新产品设计 诉处理、信息安全保护及金融知识
消费者权益保护工作提供了制度 和销售环节进行消保审批，严格规 宣教等类目，以科学管理与高效激
保障。 范产品的信息披露管理、协约管理、 励引导全行进行内部自律，进而发
宣传营销管理流程。 挥上下一体的主观能动性，为消保
事业添砖加瓦。
加强 完善 规范
顶层设计 审批体系 考核管理
Strengthened top-level Optimized approval Standardized evaluation
design system management
The Bank issued a series of PCRI policies Through the formulation of the “Provisions on The Bank regularly conducted evaluations on
such as the “Regulations on the Protection of the Management of Partner Institutions and departments of the Head Office, and business
Consumer Rights and Interests of the Bank Product Access for Private Banking of Bank of units, covering product review, marketing and
of Beijing ” and the “Regulations on the Beijing ” and other policies and processes, the promotion, information disclosure, branch
Management of Consumer Complaints of the Bank strictly conducted PCRI approval for the ser vices, complaint handling, information
Bank of Beijing ”, providing policy guarantee design and sales of agent selling products, security, and financial education, which can
for orderly consumer rights protection work. income-related, and innovative products, and guide the Bank to carr y out internal self-
strictly standardized the product information discipline through scientific management and
disclosure management, contract management, efficient incentives, so as to contribute to the
and promotion and marketing management cause of consumer protection.
processes.
48
Together for a Better Homeland 以进固稳 共创美好生活家园
做好投诉管理 Strengthened complaint management
在既有的消保体系投诉管理文件的基础上，本行加强投诉管理，整合信息渠道与各部门研判能力，提升投
诉个案解决效率，提升追本溯源质效，确保客户的投诉反馈“掷地有声”，相关问题的发现与处理“有始
有终”。
On the basis of existing complaint management documents, the Bank strengthened complaint management, integrated the information
channels and research and judgment capabilities of various departments, improved the efficiency of complaint resolution, improved
the quality and efficiency of traceability, and ensured that customer complaint feedback was sound and all complaints were identified
and solved.
以诉促改 本行以投诉工单为切入点，通过建立党委专项小组，定期带队赴支行进行一线调研，及时
精细管理 分析汇总，进而从制度、流程层面根本性提出优化处理方案，层层分解，严格督办，切实
Complaint- 解决难点痛点问题，系统性降低投诉量。
based reforms
and refined The Bank established of a special Party committee team to conduct on-site research at branches, analyze and
management summarize matters in a timely manner, and propose optimized solutions at the system and process level.
问题导向 本行组织多部门联合会商，打通部门间横向壁垒，建立信息沟通、会商研判、成果共享的
一抓到底 机制，挖掘投诉问题发生的深层次原因，形成解决问题的合力，提出综合解决方案。例如，
Identified 通过对小额遗产支取问题的投诉工单进行汇总研判，最终将全行小额遗产简化流程支取限
problems at the
source 额由 1 万元提升至 5 万元，极大方便了消费者。
The Bank organized multi-department joint consultations to break down the horizontal barriers between departments,
established a mechanism for information communication, consultation and evaluation, and sharing of results, explored
the deep-seated causes of complaints, formed joint efforts to solve problems, and proposed comprehensive solutions.
For example, by summarizing and evaluating complaints concerning the withdrawal of low-value estates, the Bank
increased the simple withdrawal limit for low-value estates from RMB 10,000 to RMB 50,000, greatly improving the
customer experience.
加强宣导 本行每季度召开投诉分析会，及时总结分支机构在投诉处理、服务客户、解决疑难问题过
正向激励 程中的经验做法和典型案例，充分展示基层诉求办理的积极成效，持续发挥先进典型的激
Strengthened 励带动效应。2021 年本行“接诉即办”为民服务宣传片在北京电视台播出三期，“接诉即办”
publicity
and positive 全年平均得分 97.18 分，排名市管企业前列。
incentives The Bank held quarterly complaint analysis meetings to summarize experience, practice, and typical cases of business
units in the process of handling complaints, serving customers, and solving difficult problems, fully demonstrating
the positive effect of handling complaints at the grassroots level, and continuously exerting advanced and typical
incentives and other driving forces. In 2021, the Bank’s “complaint handling” publicity video was broadcast on Beijing
TV for three phases. The annual average score of the Bank’s complaint handling work was 97.18 points, ranking high
among enterprises under the management of Beijing Municipality.
49
北京银行 2021 年 ESG 专题报告 BANK OF BEIJING Environmental, Social and Governance Report 2021
持续开展金融知识普及 Continued popularization of financial literacy
2021 年，本行开展了“金融消费者权益日、守住‘钱袋子’、普及金融知识万里行、金融知识普及月与
金融知识进万家”等消费者权益保护宣传教育活动，获得了良好的宣传实效。
In 2021, the Bank carried out consumer rights protection publicity and education activities such as “Financial Consumer Rights Day,
Safeguarding Your Money, Popularizing Financial Knowledge, Financial Knowledge Popularization Month and Financial Knowledge
Entering Ten Thousand Households”, achieving strong publicity results.
2021 年全年累计活动次数近 投入人员参与 受众客户数
In 2021, the Bank held nearly 6,000 More than 10,000 participants 6 million audience
activities
余次 余人次 万人次
本行各大网点充分利用配套设备，营造宣传氛围，通过柜台折页、电子屏、自助机具、公众教育区微课堂
等随时随地宣传金融知识，并托官方网站、微信公众号、手机银行与信用卡掌上京彩 APP 等各类自有渠道，
及时发布金融宣教知识及风险提示案例，让消费者树立价值投资、理性投资和风险防范意识。
The Bank’s branches made full use of supporting equipment to develop a publicity atmosphere, publicized financial knowledge anytime
and anywhere through counter posters, electronic screens, self-service machines, lectures held in public reading areas, and used official
websites, WeChat official accounts, mobile banking and credit card apps, and other channels to timely release financial knowledge and
risk warnings, thereby ensuring that consumers develop a sense of value investment, rational investment, and risk prevention.
价值投资 理性投资 风险防范意识
Value Rational Risk
Investment Investment Prevention
本行推出多期直播课，满足客户常用金融知识需求之余，帮助其了解非法金融活动的应对与处理全流程，
进而主动警惕金融诈骗，防范资金与信息损失。
The Bank launched a series of live classes to meet customer needs for common financial knowledge, helping them understand the entire
process of responding to and dealing with illegal financial activities, so as to proactively guard against financial fraud and prevent the
loss of funds and information.
本行充分应用新媒体宣传策略，推出宣传月活动内容，利用新兴宣传方式扩大活动影响力。本行定期在中
国网等媒体刊登宣教信息，以文字输出提升金融风险防范宣传效果。
The Bank made full use of its new media publicity strategy, launched content for its publicity month activities, and used new publicity methods
to expand the influence of its activities. In terms of online platforms, the Bank regularly published publicity and education information on the
China. org. cn. and other media platforms to improve the effect of financial risk prevention through media.
50
Together for a Better Homeland 以进固稳 共创美好生活家园
案例
Case
金融知识普及 本行北京分行一直以来将有效开展金融教育宣传与推动金融服务相结合，持续履
特色化服务 行公众教育的社会义务。2021 年以来，本行北京分行共开展金融知识普及与金融
Specialized services
消费者教育活动近 2000 次，受众人数超 100 万人。
of financial knowledge
Beijing Regional Branch has effectively integrated financial education publicity with the promotion of
popularization
financial services to continuously fulfill its social obligations in the education of the public. Since 2021,
Beijing Regional Branch has carried out nearly 2,000 financial knowledge popularization and financial
consumer education activities, reaching an audience of over 1 million.
创新活动形式
Being creative in the form of activities
宣传活动精选适老金融服务、倡导理性消费、防范电信诈骗等多种主题，通过开
展互动活动、设立专属咨询、举办讲座等多种形式开展宣传教育。创新制作金融
知识特色推文、宣传教育 H5 等宣传材料，加大推广力度，扩大活动效果。
Beijing Regional Branch selected topics such as financial services for the elderly, advocating for rational
consumption, and preventing telecom fraud, and carried out publicity and education in various forms such
as interactive activities, exclusive consultations, and lectures. The Regional Branch also made innovative
financial knowledge posts, created publicity and education H5 pages and other materials, ramped up
promotion efforts, and expanded the effect of its activities.
开展特色宣传
Beijing Regional Branch carried out featured publicity campaigns
不断拓宽宣传渠道，组织宣教人员走出去，走进企业学校、深入农村郊区开展特
色宣传，多渠道、多角度地向社会公众普及金融知识，切实强化客户风险意识，
帮助其理性选择适合自己的金融产品和服务。
Continuously expanded publicity channels, encouraged publicity personnel to go into companies,
schools and rural and suburban areas to carry out special publicity work, popularizing financial
knowledge to the public through a variety of channels and angles, which effectively strengthened the
risk awareness of customers, and helped customers make rational choices of financial products and
services that best suited them.
关注特殊群体
Beijing Regional Branch paid attention to disadvantaged groups
将宣教活动与志愿者活动有效结合，走进养老院、社区等区域，为特殊群体开展
定向宣传，帮助解决智能设备使用难、电信诈骗风险多等难题，提升特殊人群的
本行持续加强消费者权 风险防范能力和意识，守护其财产安全。
益保护工作。
Effectively integrated publicity and education activities with volunteer activities, carried out targeted
The Bank continuously publicity for disadvantaged groups in areas such as nursing homes and communities to solve their
enhanced consumer rights problems such as difficulties in using smart devices and the high risks of phone fraud, improving the risk
protection. prevention ability and awareness of disadvantaged groups and safeguarding asset security.
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北京银行 2021 年 ESG 专题报告 BANK OF BEIJING Environmental, Social and Governance Report 2021
隐私与信息安全 Privacy and data security
维护信息安全是消费者权益保护的重中之重。据此，本行基于预前预后视角，分别通过内部员工安全培训、
紧急应急流程设置以及实时硬件防控等环节，强化信息数据薄弱点，守护好银行业消费者的权益基底。
Maintaining data security is a key priority of consumer rights and interests protection. To this end and in accordance with projections
and prognosis, the Bank strengthened its weak points in data and information security through internal staff training, the establishment of
emergency processes, and real-time hardware prevention and control to protect the rights and interests of its customers.
本行将信息安全及数据安全培训纳入人力及 ISO 20000 培训体系，通过在技术、能力、管理以及意识等各领域开
展周期性工作，为消费者信息安全提供长期有效保障。2021 年，本行组织 16 家分行及信用卡中心以线上与线下
相结合方式开展多次信息安全培训，内容涵盖攻防演练行动（HW）、安全加固、攻击流程、安全意识等多个方面，
充分展现高效协同、全员参与的安全防护理念。
The Bank incorporated information and data security training into its personnel and ISO 20000 training system, and provided long-term and effective
protection for customer data through periodic work in fields such as technology, capacity, management, and awareness. In 2021, 16 regional branches
and Credit Card Center carried out multiple information security training sessions through a combination of online and offline methods, covering attack
and defense drills (HW), security reinforcement, intrusion procedures, security awareness, and other aspects, fully demonstrating the security principles of
efficient coordination and full participation.
攻防演练
行动 安全加固 攻击流程 安全意识
Attack and Security Intrusion Security
Defense Drills Reinforcement procedures awareness
针对信息安全事件应急，本行制定了《北京 本行于 2020 年年底推出“护盾”智能交易
银行重要信息系统突发事件应急管理规定》 反欺诈平台，通过线上全渠道交易的实时监
和《北京银行信息安全事件应急预案》等规 控和组建 7×24 小时风险外呼核查团队，及
范，建立了高效的应急联动机制，明确了报 时发现潜在风险并采取有效措施，提高电子
告流程及责任人，处置小组能够第一时间启 银行风险防控的时效性，切实保障客户资金
动突发事件应急预案，在相关部门的技术协 与信息安全。
助下完成分析和处置工作。 The Bank launched the “Shield” smart transaction anti-
fraud platform at the end of 2020. Through the real-time
For emergency response to data security incidents, the
monitoring of online omni-channel transactions and the
Bank formulated regulations such as the “Regulations on
establishment of a 24/7 outbound calling team for risk
the Emergency Management of Important Data Systems of
verification, the Bank is able to identify potential risks in a
the Bank of Beijing” and the “Emergency Response Plan
timely manner and take effective measures to improve the
for Information Security Incidents of the Bank of Beijing”,
timeliness of risk prevention and control in e-banking, while
established an efficient emergency response mechanism,
effectively ensuring the security of customer funds and data.
clarified reporting processes and responsible personnel,
and ensured that response teams are able to implement
emergency response plans as soon as possible and conduct
analysis and response work with the technical assistance of
relevant departments.
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Together for a Better Homeland 以进固稳 共创美好生活家园
员工权益
本行严格遵守国家劳动法，尊重员工合法权益，禁止雇佣童工和强迫劳动。2021
年，本行通过调整、补充、交流等方式，选优配强各级队伍。在思想上引导、在
Employee rights 实践中锻炼、在生活中关爱，致力于以丰富的活动形式、和谐的企业氛围调动员
工的积极性，激发全体干部员工拼搏奉献、爱岗敬业、团结协作的团队精神。
The Bank strictly adheres to national labor laws, respects the legitimate rights and interests of its
employees, and prohibits the use of child and forced labor. In 2021, the Bank strengthened teams at
all levels through adjustments, supplements, and exchanges. Through guiding in thought, training in
practice, and caring in life, the Bank committed to mobilizing the enthusiasm of its employees through
rich activity forms and developing a harmonious corporate atmosphere, inspiring the hard work,
dedication, unity, and cooperation of all cadres and employees.
培训促进员工发展 Driving employee development through training
制定人才培养规划策略
Formulating talent development strategies
本行在员工发展与培养上极为重视，坚持“人才强行”理念，紧密围绕服务全行改革
发展任务，制定“十四五”人才发展专项规划，从战略高度谋划人才队伍建设。
The Bank attached great importance to the development and training of employees, adhered to the concept
of “making the Bank strong through training competent talents”, closely focused on serving its comprehensive
reform and development tasks, formulated a special plan for talent development for the 14th Five-Year Plan
period, and planned the construction of talent teams from a strategic perspective.
打造了多元化的培训体系，持续完善人才培养模式，分层分级分类别开展人员培训工
在思想上引导
Guiding in thought 作，不断提升干部员工政治素养和专业能力。
The Bank created a diversified training system, continued to improve its talent training models, carried out
training at different levels and categories, and continuously improved the political literacy and professional
ability of cadres and employees.
人才培训提升个人技能
Improving personal skills in talent training
在实践中锻炼
Training in practice 本行紧密围绕经营战略，大力开展职业技能提升培训，着力提高一线人员基本素质和
业务技能。
Focusing on its business strategy, the Bank vigorously carried out vocational skills training and focused on
improving the basic quality and business skills of frontline employees.
引导全行员工参加银行类专业资格考试，努力打造素质优良、专业过硬的人才队伍。
Guided all employees to participate in professional banking qualification exams, and strove to build a team of
在生活中关爱 high-quality professional talent.
Caring in life
完成“组织与人力资源效能提升项目”，创建专业序列员工职业发展通道，推进“管理、
技术双通道”并行发展，不断为员工搭建广阔事业平台，进一步提升全行员工幸福感、
获得感、归属感和安全感。
本行以丰富的活动形式、和谐
的企业氛围调动员工积极性 Completed the “Organization and Human Resource Efficiency Optimization Project”, created parallel career
The Bank committed to mobilizing the development paths of “management and professionalism”, and continued to construct a broad career platform
enthusiasm of its employees through
for employees to further enhance the sense of happiness, benefit, belonging, and security of employees
rich activity forms and developing a
harmonious corporate atmosphere throughout the Bank.
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北京银行 2021 年 ESG 专题报告 BANK OF BEIJING Environmental, Social and Governance Report 2021
丰富员工业余生活 Enriching the lives of employees
多彩员工文化生活 完善职工休闲场所
Colorful employee cultural lives Improved employee leisure facilities
本行举办多种活动丰富员工文化生活， 本行打造深受员工喜爱的“职工之家”。
开展世界读书日活动、员工手机摄影大 The Bank built a leisure area—the gym, which is
warmlly welcomed by employees.
赛、职工歌咏比赛，加强党建引领，增
强员工的使命感。 职工之家功能全面，设有健身区、乒乓
The Bank organized a variety of activities to enrich
球区、心灵驿站、职工书屋、瑜伽舞蹈
the cultural lives of its employees, such as World
Book Day activities, smartphone photography 室、理发室、减压室等区域，以更加人
competition, and employee singing competition to 性化的设计和考虑，最大限度满足了员
strengthen the leadership of the Party building and
工多元化的需求。
enhance employees’ sense of purpose.
The gym has a fitness area, table tennis area,
a counseling room, a library, a yoga room, a
举办旗袍秀视频大赛、工会干部才艺大
barber room, and a decompressing room. The
比拼活动等丰富多彩的职工文体活动。 user-friendly and considerate design satisfies the
Held a variety of cultural and sports activities such diversified needs of employees to the greatest
as a Qipao show video competition and talent extent.
competition.
拍摄弘扬劳模精神纪实片《一起向未
来》，充分展示员工爱岗敬业、拼搏奋
斗的精神风貌。
Shot the “Together for a Shared Future ”
documentary film to promote the spirit of model
workers and fully demonstrate the dedication and
hard work of employees.
本行举办员工歌唱比赛。 本行开展职工之家建设。
Our bank holds an employee singing The bank carried out the construction of leisure
competition. area.
54
Together for a Better Homeland 以进固稳 共创美好生活家园
保障员工身心健康 Ensure the physical and mental health of employees
员工心理健康管理措施 员工健康管理措施
Measures for employee mental health management Measures for employee health management
为帮助员工拥有健康和积极的心态，本行开 本行为员工开展互助保障工作，为员工投保
展心灵驿站建设，为职工搭建心理疏导平台； 了“普通住院”“住院津贴”“重大疾病”“女
同时，本行积极为员工开展心理健康讲座， 工特疾”“在职意外”等险种，为员工缓解
帮助员工了解压力，正确排解生活中所遇到 医疗负担。
的压力。本行心灵驿站荣获北京金融系统“职 The Bank provides insurance for employees, including
the insurance for general hospitalization, hospitalization
工心灵驿站”称号。
subsidy, critical illness, female diseases, and on-the-job
In order to ensure that employees have a healthy and
accidents to ease the medical burden of employees.
positive attitude, the Bank set up a counseling room,
serving as a psychological counseling platform, and held
mental health lectures for employees to better help them
understand and properly resolve the stress they encounter
in life. The Bank’s counseling room was honored as a
model of the Beijing financial system.
聚焦特殊群体 Focusing on disadvantaged groups
重视女性关怀 Emphasizing women’s care
本行注重女性员工权益保障，为女性员工哺乳期提供私密且舒适的场所，为女性员工设置母婴关爱室设备
设施，增加了门禁管理，保证了使用安全；增添了冰箱，为处在哺乳期的女员工提供了更加方便、贴心、
暖心的服务。此外，在国际劳动妇女节，本行举办妇女节主题活动，为女性员工创造温馨愉快的节日氛围。
Attaching importance to the protection of the rights and interests of female employees, the Bank provides private and comfortable
places for female employees during lactation period, set up maternal care equipment and facilities, and enhanced access
management to ensure privacy and safety. Refrigerators were installed in order to provide more convenient, caring, and warm-
hearted services to female employees during lactation period. On International Women’s Day, the Bank held themed activities to
create a warm and happy festive atmosphere for female employees.
关爱特殊人群 Caring for disadvantaged groups
本行为特殊员工和困难员工（包括残疾员工、贫困员工、心理障碍员工、孕妇、老年人、少数民族等）制
定了《北京银行工会慰问制度汇编》，积极开展员工“婚、丧、病、育、退”慰问，营造温馨和谐文化氛围。
For employees with special needs and difficulties (including employees with disabilities, employees under financial distress,
employees affected by mental disorders, the pregnant, the elderly, ethnic minorities, and others), the Bank formulated the “Measures
of Employee Care of Bank of Beijing Labor Union ”, and has been sending presents or condolences to employees at time of marriage,
funeral, illness, childbirth, and retirement to create a warm and harmonious cultural atmosphere.
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北京银行 2021 年 ESG 专题报告 BANK OF BEIJING Environmental, Social and Governance Report 2021
2021 年，本行积极践行社会责任，全力助推乡村振兴，参与公益捐赠和赞助，
社会公益 开展各类志愿活动，积极参与防疫抗疫，传递有温度、有担当的企业正能量。
Social welfare In 2021, the Bank actively fulfilled its social responsibilities, facilitated rural revitalization,
participated in public welfare donations and sponsorships, carried out various volunteer activities,
actively participated in epidemic prevention and control, and passed on the positive energy of a
warm and responsible enterprise.
助力乡村振兴 Facilitating rural revitalization
2021 年，本行坚决贯彻落实巩固拓展脱贫攻坚成果、全面推进乡村振兴的统
一部署，优化调整金融帮扶政策，坚持常态化驻村帮扶和多样化帮扶相结合。
In 2021, the Bank resolutely implemented, consolidated, and expanded poverty alleviation
efforts, comprehensively promoted rural revitalization, optimized and adjusted financial assistance
policies, and adhered to the integration of in-village assistance and diversified assistance.
坚持统筹谋划 Adhering to overall planning
本行成立助力乡村振兴工作领导小组，专题研究部署工作，把乡村振兴列入
本行开展“党建引领助脱贫 文明帮
党建指导意见和北京银行“十四五”时期发展规划，制定 10 项重点工作实
扶暖人心”扶贫济困活动。
The Bank launched the poverty 施方案。
alleviation and poverty relief activities The Bank established a leading group to facilitate rural revitalization. Rural revitalization has been
of "leading Party building, helping to included in the Party building guidelines and the Bank’s Development Plan during the 14th Five-Year
get rid of poverty, helping to warm the Plan period, and a total of 10 key work measures were formulated.
hearts of the people in a civilized way".
坚持党建引领 Following the guidance of Party building
本行开展党组织共建，协助帮扶村抓好党员干部教育，规范党组织建设和发
展党员程序。
The Bank carried out the joint construction of Party organizations, assisted villages in doing a good
job in the education of Party members and cadres, and standardized the construction of Party
organizations and the procedures for Party member development.
加强人才智力支援，北京、新疆、山西、江西等多地执行“一企一村”常态
化帮扶工作计划，选派驻村第一书记和驻村工作队协助 5 个贫困村如期摘帽，
脱低脱贫成果得到有效巩固。
The Bank also strengthened its talent support, implemented the “One Enterprise for One Village”
assistance work plan in Beijing, Xinjiang, Shanxi, Jiangxi, and other areas, dispatched village
secretaries and village-based work groups to assist 5 impoverished villages get rid of poverty as
scheduled, and effectively consolidated its poverty alleviation efforts.
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Together for a Better Homeland 以进固稳 共创美好生活家园
坚持多样帮扶 Adhering to diversified assistance
本行开展“定点帮扶、产业帮扶、消费帮扶、教育帮扶、公益帮扶”五位一体扶贫模式，增强金融帮扶的精准性和有效性，
持续推进脱贫地区乡村振兴。
The Bank implemented a five-in-one (targeted, industrial, consumer, education and public welfare assistance) poverty alleviation model to enhance the
accuracy and effectiveness of financial assistance, and continued to facilitate rural revitalization in poverty-stricken areas.
定点帮扶 消费帮扶
Targeted assistance Consumer assistance
帮扶北京、陕西、江西、新疆等地 开展工会卡消费帮扶优惠，通过“直播带货”凝聚更多力量
The Bank did a good job in providing targeted assistance to 12 villages in 参与乡村振兴，采购帮扶产品
Beijing, Shaanxi, Jiangxi, Xinjiang, and other areas
Over RMB 10.11 million worth of products were purchased by the Bank. The
Bank provided consumption discounts for Labor Union Card, and gathered
resources to participate in rural revitalization through livestream sales
个村 万元
产业帮扶 教育帮扶
Industrial assistance Education assistance
在内蒙古等地乡村地区投资绿色能源项目 建立北京银行优秀乡村教师奖励基金，出资
The Bank invested RMB 1.31 billion in green energy projects in rural areas in The Bank contributed RMB 10 million to establish the BOB Fund for Outstanding
Inner Mongolia and other areas Teachers in Rural Areas
亿元 万元
协助棋盘村中蜂养殖项目实现销售收入 “大爱基金”改善乡村教育基础设施，向多地捐建爱心电教
Assisted the Bee Breeding Project of Qipan Village in achieving a sales revenue 室、图书室等
of RMB 1.05 million
Provided donations to construct 20 e-classrooms, libraries, and other facilities to
improve rural education infrastructure through its Charity Foundation
万元 个
公益帮扶
Public welfare assistance
向棋盘村捐赠生活生产用品 向旱田村捐赠
The Bank donated RMB 56,000 of household goods to Qipan Village Donated RMB 60,000 to Hantian Village for rural revitalization
万元 万元
协调宁陕县某公司向棋盘村捐赠 向浙江省淳安县富文乡村道修整、水利修复等项目捐款
Coordinated with a company in Ningshan County to donate RMB 700,000 of Donated RMB 200,000 to Fuwen Township, Chun’an County, Zhejiang for
shares and rights to Qipan Village projects such as road repair and water conservancy
万股权及权益 万元
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北京银行 2021 年 ESG 专题报告 BANK OF BEIJING Environmental, Social and Governance Report 2021
案例
Case
本行员工荣获“全国脱贫攻坚 2018 年 4 月 In April 2018
先进个人”称号 作为首都企业驻疆代表，本行积极响应新疆维吾尔自治区党委“访民情、惠民生、聚
An Employee Won the Title of “National
民心”工作号召，由乌鲁木齐分行派出一支 8 人驻村工作队，前往和田市吉亚乡阿孜
Advanced Individual in Poverty
Alleviation”
乃巴扎村参战脱贫攻坚，吴进宝被委任为第一书记。
As a representative of Beijing enterprises in Xinjiang, the Bank actively responded to the call of Xinjiang Uygur
Autonomous Region Party Committee to “understand the people’s sentiments, benefit the people’s livelihood, and warm
the people’s hearts” by dispatching an 8-person village-based work team from its Urumqi Regional Branch to Azinabaza
Village, Jiya Township, Hotan City to engage in poverty alleviation, with Wu Jinbao appointed as its first secretary.
2019 年底 By the end of 2019
2019 年底，该村实现全部脱贫，彻底解决“两不愁”“三保障”的问题。
The village was completely lifted out of poverty, comprehensively achieving the objectives of the “two no worries and three guarantees”.
2020 年底 By the end of 2020
该村人均收入首次突破万元大关。
The per capita income of the village exceeded the RMB 10,000 mark for the first time.
2021 年 2 月 25 日 On 25 February 2021
在全国脱贫攻坚总结表彰大会上，本行员工吴进宝被中共中央、国务院表彰为“全国
脱贫攻坚先进个人”。
At the National Poverty Alleviation Summary and Commendation Conference, Wu Jinbao, an employee of the Bank, was given a
“National Advanced Individual in Poverty Alleviation” commendation from the CPC Central Committee and State Council.
开展乡村振兴直播 2021 年 6 月，本行长沙分行携手湖南红网开展“情牵红土地”直播，助力湖南汝城
Rural Revitalization Livestream 沙洲村乡村振兴。本次直播，在新浪、腾讯、百度、湘农荟、红网时刻、LED 户外联
播网等多家平台同步直播，向全国网友介绍这个红色山村，重点推荐了当地各类特色
农产品。
In June 2021, Changsha Regional Branch of the Bank joined hands with Hunan Rednet to launch the “Love
Our Red Land” livestream to support the rural revitalization of Shazhou Village in Hunan. The livestream was
broadcasted on Sina, Tencent, Baidu, Xiang Nong Hui, Red Net Moment, LED Outer Network, and other
platforms, introducing the mountain village to netizens across the country and focusing on recommending
various local agricultural products.
经统计，本次“情牵红土地”汝城站 直播带货综合销售
直播累计实现观看总点击量超 With a sales volume of RMB 3.086 million
Statistics show that the “Love Our Red Land”
“ 情 牵 红 土 地” 汝 城 站 直 播
livestream received a total of 20.5 million views
现场。
“Love Our Red Land” Livestream in 万人次 万元
Rucheng
在此次活动中，长沙分行通过“以买代帮”的方式，在汝城集中采购 5000 斤黄金梨，
为农民拓展销售，助力丰产丰收
At the same time, Changsha Regional Branch purchased over 2500 kg of pears from Rucheng, implementing the
“buying instead of helping” method to expand farmer sales and boost high yields.
斤
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Together for a Better Homeland 以进固稳 共创美好生活家园
公益捐赠和赞助 Charitable donations and sponsorships
自成立以来，本行在赈灾扶贫、文化教育、医疗体育等领域，矢志不渝地推动公益事业发展，做与社会同
进共荣的“企业公民”。
Since its establishment, the Bank has unswervingly engaged in public welfare undertakings in areas such as disaster relief and poverty
alleviation, culture and education, and healthcare and sports, becoming a corporate citizen that progressed and thrived with society.
2021 年，本行积极践行社会责任，热心参与公益事业、捐赠和赞助活动，对外捐款超
In 2021, the Bank actively fulfilled its social responsibilities, enthusiastically participated in public welfare undertakings, donations, and
sponsorship activities, and donated over RMB 98 million.
万元
2021 年部分社会公益捐赠及赞助统计
Social Welfare Donations and Sponsorships in 2021
公益目的 项目 金额
Public Welfare Purpose Projects Amount
支持北京“两区”“三平台”建设 服贸会、金融街论坛、中关村论坛项目赞助
2600 万元
Support the construction of the “two districts” and CIFTIS, Financial Street Forum, and Zhongguancun
RMB 26 million
“three platforms” of Beijing Forum project sponsorships
北京市中小学“紫禁杯”中小学优秀班主任奖励
基金及紫禁杯工作站建设项目捐赠
支持首都教育事业发展 390 万元
Donations to the “Zijin Cup” award fund for outstanding
Support the development of education in Beijing RMB 3.9 million
teachers in primary and secondary schools of Beijing,
and the Zijin Cup workstation construction project
与北京市教委共同设立的“北京银行乡村教师奖
支持乡村教育发展以及乡村教师队伍建设 励基金”捐赠
200 万元
Support the development of rural education and the Donated to the “BOB Fund for Teachers in Rural Areas”
RMB 2 million
construction of rural teacher teams jointly established with the Beijing Municipal Education
Commission
打造可持续公益平台，助力精准扶贫
大爱基金慈善项目 180 万元
Create a sustainable public welfare platform to
The Charity Foundation project RMB 1.8 million
facilitate targeted poverty alleviation
将党的温暖和组织关怀带到党员群众身边 开展“共产党员献爱心”活动捐赠
87 万元
Bring the warmth and organizational care of the Launched the Communist Party Members’ Donation and
Over RMB 870,000
Party to Party members and the masses Care project
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北京银行 2021 年 ESG 专题报告 BANK OF BEIJING Environmental, Social and Governance Report 2021
案例
Case
驰援河南 2021 年 8 月，河南省多地遭遇连续强降雨，人民财产安全损失严重，灾情深深
捐赠物资 牵动着全国人民的心。本行南通分行党支部组织发起《关于向河南灾区献爱心的
Donating Materials to Help Henan
倡议书》，号召全体党员干部员工为河南防汛救灾伸出援助之手，与灾区人民风
雨同舟，共渡难关。党员干部带头捐款，并将捐款购买的 35 箱赈灾生活必需品
运往了河南灾区，也将京行人的关切之心送往灾区，以实际行动展现京行人的初
心使命与金融企业社会责任担当。
In August 2021, many areas in Henan Province suffered continuous heavy rainfall, causing serious losses
to the people. The disaster did tug at the heartstrings of people throughout the country. The Party Branch
of Nantong Regional Branch released the “Proposal on Sending Love to Affected Areas in Henan”,
which called on all Party members, cadres, and employees to lend a helping hand in flood control and
disaster relief in Henan, and stand together with the people in affected areas to overcome difficulties.
Party members and cadres took the lead in contributing donations, and transported 35 boxes of disaster
relief necessities purchased by donations to the affected areas of Henan. They also brought with them the
concern of the Bank, reflecting the original mission of the Bank and the social responsibility of financial
enterprises through practical actions.
“京华助学计划”持续资助 2021 年 10 月，本行上海分行党委与上海韩哲一教育扶贫基金会、潍坊新村街道
所在街道困难学生 办事处联合举办了“京华助学计划”2021 年度助学金发放仪式。“京华助学计划”
The “Jinghua Student Aid Program”
起源于 2015 年本行上海分行第四党支部的助学行动，于 2017 年正式设立。
Continues to Subsidize Students
In October 2021, the Party Committee of the Bank’s Shanghai Regional Branch, the Shanghai Han Zheyi’s
Experiencing Difficulties
Education Foundation, and the Weifang Xincun Subdistrict Office jointly held the 2021 grant issuance
ceremony of the “Jinghua Student Aid Program”. Originating from the student aid action of the Bank’s 4th
Shanghai Party Branch in 2015, the “Jinghua Student Aid Program” was officially established in 2017.
两期募集资金总额达到 已经发放
The total amount of funds raised over two phases RMB 160,000 has been distributed so far
were RMB 234,000
万元 万元
京华助学计划不仅在经济上帮助困难学生，分行党委还安排党员、入党积极分子
一对一与这些学生结对帮扶，引导他们树立正确的人生观、价值观，让他们感
到社会上有很多人在关心他们、鼓励他们，感受到共产党离他们并不遥远，共产
“京华助学计划”2021 年度
助学金发放仪式。 党在真真切切地帮助他们。目前，年龄最大的受助学生已经读大学四年级，将于
Jinghua Student Aid Program 2022 年六月毕业。她承诺，如果顺利找到工作，将把第一个月工资的一部分拿出
Granting Ceremony in 2021 来捐给“京华助学计划”，将爱心传递下去。
In addition to supporting students in financial stress through the “Jinghua Student Aid Program”, the
Regional Branch Party Committee also arranged for Party members and volunteers to pair up with students
for one-on-one guidance on life and values, show them the warmth of society, care for them, encourage
them, and show them that the Communist Party is there to support them. At present, the oldest recipient is
in her fourth year of college and will graduate in June 2022. She promised that, once found a job, she
will donate a portion of her first month’s salary to the “Jinghua Student Aid Program” to benefit others in
the same way the program has benefited her.
60
Together for a Better Homeland 以进固稳 共创美好生活家园
志愿者服务活动 Volunteer service activities
本行志愿者服务队自 2014 年成立以来，积极践行社会责任，号召全行青年参与社会公益。
Since its establishment in 2014, the volunteer service team of the Bank has actively fulfilled its social responsibilities and called on its
youthful employees to participate in social welfare activities.
本行志愿者服务队以“奉献、友爱、互助、进步”的志愿者精神为宗旨
The Bank’s volunteer service team carries the spirit of “dedication, friendship, mutual aid, and progress”
以“美好京行、奉献有我”为口号
With the slogan of "beautiful beijing travel, dedication with me"
开展社区金融服务、大型赛事服务、环境保护倡导、城市运行维护等志愿活动。
Engaging in community financial services, large-scale competition services, environmental protection advocacy, urban operations and
maintenance, and other volunteer activities.
目前，本行已相继在北京、天津、上海、西安、深圳、杭州、长沙、南京、济南、南昌、石家庄、乌
鲁木齐、青岛等地区成立志愿者服务队，在全国开展志愿服务活动。
At present, the Bank has successfully established volunteer service teams in Beijing, Tianjin, Shanghai, Xi’an, Shenzhen,
Hangzhou, Changsha, Nanjing, Jinan, Nanchang, Shijiazhuang, Urumqi, Qingdao, and other regions to carry out volunteer
service activities throughout the country.
截至 2021 年末，本行已正式成立 志愿者达 志愿活动时长超过
具有统一的旗帜、标识和规章管理 More than 2,000 volunteers Engaging in over 2,700 hours of volunteer
activities
制度的志愿者服务队
As of the end of 2021, the Bank has formally
established 17 volunteer service teams with
unified banners, signs, rules, and regulations
家 余人 小时
通过多种形式积极践行社会主义核心价值观，传播京行大爱。
The Bank actively practiced the core socialist values and benefited the society.
疫情防控 垃圾分类
Epidemic prevention and control Garbage sorting
礼让斑马线 线上金融讲座
Pedestrian-first at crosswalk Online financial lectures
关爱弱势群体 资助贫困地区学生
Caring for disadvantaged groups Subsidizing students in impoverished areas
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北京银行 2021 年 ESG 专题报告 BANK OF BEIJING Environmental, Social and Governance Report 2021
案例
Case
开展无偿献血 2021 年 8 月，本行宁波分行团支部在分行党总支的领导与支持下，积极响应当地金
志愿者活动 融团工委号召，组织分行团员青年赴当地无偿献血点开展“致敬建党百年，青春热血
Carrying Out Volunteer
接力”无偿献血志愿者活动。在献血活动过程中，团员青年志愿者在医生的指导下，
Blood Donation
Activities
严格按照防疫要求和操作程序，有序完成了填表、登记、体检、验血、采血等各个流程，
用一袋袋新鲜血液传递自己的爱心。分行积极做好后勤服务保障工作，为团员青年志
愿者们准备牛奶、面包，确保他们在献血后及时补充营养、加快恢复身体。本次活动
的顺利开展，充分诠释了“奉献、友爱、互助、进步”的志愿精神，进一步彰显了本
行宁波分行践行社会责任的初心与担当。
In August 2021, under the leadership and support of the Bank’s Ningbo General Party Branch, the Youth
League Ningbo Branch actively responded to the call of the local Finance Youth League Working Committee,
organizing its members to local blood donation sites to donate blood in tribute of the 100th Anniversary
of the Founding of the CPC. Following the instructions of doctors, the Youth League volunteers went through
procedures of filling of forms, registration, physical examination, blood testing, and blood collection in an
orderly manner and in strict accordance with epidemic prevention requirements and operation procedures,
and provided a fresh source of blood to society. The Regional Branch did a good job in logistics service
support, providing milk and bread for the Youth League volunteers to supplement nutrition after the donation.
The smooth progress of this activity fully demonstrated the volunteer spirit of dedication, friendship, mutual
aid, and progress, and further reflected the intent of the Bank’s Ningbo Regional Branch to fulfill its social
responsibilities.
无偿献血志愿者活动现场。
Volunteer Blood Donation
开展社区志愿 2021 年 11 月，为深入推进党史学习教育“我为群众办实事”实践活动，本行南昌县
服务活动 支行党支部与南昌县莲安南路社区党委共同开展“我为群众办实事”主题党日活动，
Carrying Out Community Volunteer
全体党员积极参与“清扫庭院”活动，帮助群众整理社区公共物品，清理堆积废弃物，
Service Activities
捡拾烟头树叶等，并与社区干部共同成立了一支义务巡逻队，宣讲疫情防控知识，此
次活动得到小区居民的高度赞扬，不仅增进了支行党支部与社区党委的紧密联系，同
时也提升了京行的品牌形象。
In November 2021, in order to further promote the “activities to benefit the people” and Party history learning and
education activities, the Bank’s Party Branch of Nanchang County Branch and the Party Committee of Nanchang
County Lian’an South Road Community jointly launched the “activities to benefit the people” themed Party
activity. All Party members actively participated in “courtyard cleaning”, helping the people organize community
goods, clean up accumulated waste, pick up cigarette butts and leaves. A volunteer patrol team was also jointly
established with community cadres to spread knowledge of epidemic prevention and control. The activity received
high praise from community residents, and served to enhance the close connection between the Party Branch and
Community Party Committee, while also improving the brand image of Bank of Beijing.
62
Together for a Better Homeland 以进固稳 共创美好生活家园
防疫抗疫 Epidemic prevention and control
本行党委书记、董事长霍学文穿着蓝色防护服参
与社区疫情防控志愿服务。
Huo Xuewen, Secretary of Bank of Beijing Committee
of the CPC and Chairman of Bank of Beijing, is doing
epidemic prevention in a blue hazmat suit in the
community as a volunteer.
支持医院抗击疫情
We helped hospitals fight the epidemic
本行与北京市医保局、北京市卫健委、北京市医管中心和各级医院保持密切联系，遇到紧急支出业务，员
工 2 小时内到岗办理，保障资金安全，协助医保局、卫健委准确、及时将款项下拨至医疗机构，满足医院
抗击疫情支出。
The Bank kept close contact with Beijing Municipal Medical Insurance Bureau, Beijing Municipal Health Commission, Beijing Hospitals Authority
and hospitals at all levels. In case of emergency anti-epidemic expenditures, our employees will be on duty within two hours to ensure fund safety
and assist the Medical Insurance Bureau and Health Commission with accurate and timely disbursement of funds to medical institutions.
为医疗机构、疫情防控部门提供包括紧急取款、资金垫付、实时划款及上门服务等。尤其是为北京地区疫
情防控定点医院提供不间断上门服务业务，结合医院需求支持核酸小屋等设备，多措并举为北京市抗击疫
情工作作出贡献。
We also provided medical institutions and epidemic prevention and control institutions with services including emergency withdrawals,
fund advances, real-time transfers and onsite services. In particular, we equipped designated hospitals in Beijing with equipment needed
for covid test, and provided 24/7 door-to-door services, taking multiple measures to facilitate Beijing’s anti-epidemic efforts.
严格执行网点防疫标准
We strictly implemented the epidemic prevention and control standards in business units
严格落实疫情防控常态化要求，提高办公场所及营业网点消杀频次，严格落实扫码测温、一米线等候、48 小时核酸检测等各
项防疫工作。
As epidemic prevention and control became routine, we increased the frequency of disinfection at our premises, and rigorously adopted epidemic prevention approaches
such as scanning health code and measuring body temperature, keeping one-meter distance in queue and, in some cases, requiring 48-hour covid test results.
强化员工每日健康监测，严格员工出行管理，加强员工行动轨迹及被隔离人员管理，及时掌握员工最新动态。
We enhanced daily monitoring of employees’ health, managed their travels, and kept tabs on those under quarantine.
强化宣传引导，确保员工掌握疫情防控知识，以实际行动为疫情防控作出贡献。
Through enhanced publicity and guidance, we ensured that our employees were well aware of the epidemic prevention and control measures.
持续统一采购、统筹配发防疫物资，保障防疫物资充足供应。
Meanwhile, we pressed ahead with centralized procurement and distribution of anti-epidemic supplies.
加强对干部员工行为管理，严格遵守请示报告、应急值班值守等工作纪律。
We also strengthened management over the behavior of cadres and employees, requiring everyone to observe disciplines.
63
以锚定向
共建绿色低碳银行
BUILDING A GREEN AND LOW-CARBON BANK
2021 年，本行持续加强可持续治理，坚定不移贯彻创新、协调、绿色、开放、共享的新发展理
念。不仅明确了可持续发展战略规划、治理架构及责任管理体系，同时还在各级建立有效和问
责的体制，做好合规内控及廉洁文化，严格落实可持续风险管理。这些举措充分响应了联合国
可持续发展目标（SDGs）中的“产业、创新和基础设施”、“和平、正义与强大机构”和“促
进目标实现伙伴关系”这三个可持续发展目标。
In 2021, the Bank continued to strengthen sustainable governance and made unremitting efforts to implement the new development concepts
of innovation, coordination, green, openness, and sharing. In addition to clarifying its sustainable development strategy, governance structure,
and responsibility management system, the Bank also established effective accountability systems at all levels, strengthened compliance,
internal control, and a clean corporate culture, and strictly implemented sustainable risk management. These initiatives fully responded to
the SDG 9 (Industry, Innovation, and Infrastructure) , SDG 16 (Peace, Justice, and Strong Institutions) of the United Nations Sustainable
Development Goals, and SDG 17 (Partnership for the Goals)
目标 9 产业、创新和基础设施
建造具备抵御灾害能力的基础设施，促进具有包容性的可持续工业化，推动创新
Goal 9 Industry, Innovation, and Infrastructure
Build resilient infrastructure, promote inclusive and sustainable industrialization and foster innovation
目标 16 和平、正义与强大机构
创建和平、包容的社会以促进可持续发展，让所有人都能诉诸司法，在各级建立有效、负责和包容的机构
Goal 16 Peace, Justice, and Strong Institutions
Promote peaceful and inclusive societies for sustainable development, provide access to justice for all and build effective, accountable and inclusive institutions at all levels
目标 17 促进目标实现的伙伴关系
加强执行手段，重振可持续发展全球伙伴关系
Goal 17 Partnerships for the Goals
Strengthen the means of implementation and revitalize the global partnership for sustainable development
北京银行 2021 年 ESG 专题报告 BANK OF BEIJING Environmental, Social and Governance Report 2021
战略规划 战略愿景 Strategic vision
Strategic planning 牢固树立“一个银行、一体数据、一体平台”的理念。
Adhering to the concept of “One Bank, One Data, One Platform”.
理念
Concept
一个银行 一体数据 一体平台
One Bank One Data One Platform
运用清单化管理（List-based Management）、项目化推进（Project-based
Implementation）、责任化落实（Responsibility Assignment）、矩阵式管
控（Matrix Management）的“LPRM 精益工作法”，以数字化转型统领发
展模式、业务结构、客户结构、营运能力和管理方式的“五大转型”，推动
数字化转型达到同业领先水平，全力打造“数字京行”。
Bank of Beijing adopts the “LPRM Way of Working”, namely the task-list-based project
management methodology with a clear responsibility assignment matrix, and drives “five
transformations” in development mode, business structure, customer structure, operation capacity
and management style with digital transformation as the core engine, with an aim to take a
leading position among its peers as a more digitalized Bank of Beijing.
发展模式
Development
mode
管理方式 业务结构
Management Business
style
数字化转型统领 structure
五大转型
Digital transformation leads
transformation in the five
aspects
营运能力 客户结构
Operation Customer
capacity structure
66
Building a Green and Low-carbon Bank 以锚定向 共建绿色低碳银行
战略方向 Strategy direction
全力建设“五大银行”，即以科技敏捷带动业务敏捷、以科技金融服务“专精特新”的“科技银行”，以数据连通支持智能决策、
以数据分析重塑客户旅程的“数字银行”，以数币服务强化场景建设的“数币银行”，以全面合作构建服务生态、以绿
色金融推动 ESG 发展的“生态银行”，以文化重塑激发内生动能、以文化金融服务文创企业的“文化银行”。
The Bank builds itself in five directions: a “high-tech bank” enabling business agility with technology and supporting leading SMEs specialized in niche
sectors with fin-tech services, a “digital bank” facilitating intelligent decision-making and reshaping customer journey with big data, a “DCEP bank” adept in
providing scene-based e-CNY services, an “ecosystem bank” based on a comprehensive financial service ecosystem and outstanding ESG performance, and
a “cultural bank” supporting cultural and creative enterprises with cultural finance services.
科技银行 数字银行 数币银行
High-Tech Bank Digital Bank DCEP Bank
生态银行 文化银行
Ecosystem Bank Cultural Bank
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北京银行 2021 年 ESG 专题报告 BANK OF BEIJING Environmental, Social and Governance Report 2021
战略路径 Strategy path
重点打造“GBIC2”组合金融（Government, Banking, Investment Banking, Company & Consumer），形成政府服务、
商行服务、投行服务、公司服务和消费者服务的有效链接和高效联动。
The Bank focuses on building the “GBIC2” comprehensive financial solutions to coordinate government services, commercial banking, investment banking,
and company and consumer services.
打造五大体系
The Bank works on building five systems
基于上市公司和拟上市公司的全生态服务体系。
A financial ecosystem for listed companies and companies to be listed.
基于客户体验和价值创造为基础的新零售战略体系。
A new retail system based on customer experience improvement and value creation.
基于价值增值的财富管理和资产管理体系。
A wealth and asset management system providing value-added services.
基于大数据风控模式以及涵盖全机构、全资产、全风险、全流程、全人员的智能化全面风险管
理体系。
A smart risk management system supported by big data and covering all business units, assets, risks, process and personnel.
基于统一数据基座、一体化、智能化、场景化的数据治理和应用体系。
An integrated, intelligent and scene-based data governance system with a unified data base.
形成北京银行的特色服务优势和服务品牌。
To build unique advantages and outstanding service brands of Bank of Beijing.
68
Building a Green and Low-carbon Bank 以锚定向 共建绿色低碳银行
战略保障 Supporting mechanisms
建立战略统筹、协同联动、敏捷运作、创新突破和管理保障五大战略保障机制并确保执行到位。
Bank of Beijing establishes five mechanisms in strategy unification, coordination, agile operation, innovation and management and support to guarantee
effective implementation of the strategy.
数字京行
Digital Bank of Beijing
一个银行 一体数据 一体平台
数字化转型成效达到同业领先水平 发展目标
One Bank One Data One Platform Development goal
To take the lead among peers in digital transformation
战略愿景
清单化管理 项目化推进 责任化落实 矩阵式管控 工作方法
Strategic vision
List-based Management Project-based Implementation Responsibility Assignment Matrix management Way of working
发展模式 业务结构 客户结构 营运能力 管理方式 五大转型
Development mode Business structure Customer structure Operation capacity Management style Five transformations
战略方向 科技银行 数字银行 数币银行 生态银行 文化银行 五大银行
High-tech Bank Digital Bank DCEP Bank Ecosystem Bank Cultural Bank Five directions
Strategy direction of the Bank
政府服务 商行服务 投行服务 公司服务 & 消费者服务
GBIC2
Government Banking Investment banking Company & Consumer
战略路径
全生态服务 新零售战略 财富管理 智能化全面 数据治理
Strategy path
风险管理体系 和应用体系 五大体系
体系 体系 和资产管理体系
Smart and comprehensive Data governance Five systems
Financial ecosystem New retail Wealth & asset management
risk management and application
战略保障 战略统筹机制 协同联动机制 敏捷运作机制 创新突破机制 管理保障机制 五大机制
Strategy unification Coordination Agile operation Innovation Management & support Five mechanisms
Supporting mechanisms
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北京银行 2021 年 ESG 专题报告 BANK OF BEIJING Environmental, Social and Governance Report 2021
治理架构
目前，北京银行根据《公司法》《商业银行法》《银行保险机构公司治理准则》
等相关法律法规以及监管机构的规章制度，构建了“三会一层”现代公司治理架构。
Governance structure Based on the “Company Law ”, “Commercial Bank Law ”, “Corporate Governance Standards for
Banking or Insurance Institutions ” and other relevant laws and regulations, as well as rules from
regulators, the Bank established a modern corporate governance structure of “the Shareholders’
General Meeting, the Board of Directors, the Board of Supervisors and Senior Management”.
股东大会为最高权力机构 董事会为决策机构
The Shareholders’ General Meeting is the supreme The Board of Directors is the decision-making body
organ of the authority
监事会为监督机构 高级管理层为执行机构
The Board of Supervisors is the supervisory body The Senior Management is the executive body
在董事会下设战略、关联交易、风险管理、审计、提名与薪酬六个专门委员会，
监事会下设提名、监督委员会两个专门委员会。根据本行章程规定，董事会定期
评估并完善本行公司治理，维护金融消费者和其他利益相关者合法权益，并对本
行《社会责任报告》进行审议。此外，根据监管政策要求、市场形势变化、客户
服务需求、技术发展趋势，北京银行持续动态优化总行的部室设置，逐步形成科
学分工、高效协同、权责匹配的总行组织架构体系。
There are six special committees under the Board of Directors, namely, Strategy Committee, Related-party
Transaction Committee, Risk Management Committee, Audit Committee, Nomination Committee, and
Remuneration Committee. , Two special committees under the Board of Supervisors, namely Nomination
Committee and Supervision Committee. In accordance with the Bank’s “Articles of Association”, the
Board of Directors regularly evaluates and improves corporate governance, safeguards the legitimate
rights and interests of financial consumers and other stakeholders, and reviews the Bank’s “Social
Responsibility Report”. In accordance with regulatory policy requirements, changes in market conditions,
customer service demands, and technological development trends, Bank of Beijing has continued to
dynamically optimize the departmental structure of its Head Office, and has gradually formed a head
office organizational structure with scientific division of labor, efficient coordination, and rational rights
and responsibilities.
责任管理 根据《全球报告倡议组织》（GRI）准则、联合国可持续发展目标（SDGs）、国
际标准化组织《社会责任指南（ISO 26000）》以及银保监会《关于加强银行业
Responsibility 金融机构社会责任的意见》（银监办发〔2007〕252 号）《银行保险机构公司治
management 理准则》（银保监发〔2021〕14 号）等国内外监管规则及标准中对企业披露环境、
社会和治理相关要求，北京银行通过调研访谈等方式，识别了对各类内外部利益
相关方的评估和决策有实质性影响的环境、社会和治理相关重大关键性 ESG 议题。
In accordance with the stakeholder inclusiveness, sustainability context, materiality, and completeness
principles of the Global Reporting Initiative (GRI) standards, the 17 United Nations SDGs, the ISO
Guidance on Social Responsibility (ISO 26000), and other standards for enterprise environmental,
social, and governance (ESG) disclosure, through research and interviews, Bank of Beijing identified
key ESG issues with a material impact on the evaluation and decision-making of various external and
internal stakeholders.
70
Building a Green and Low-carbon Bank 以锚定向 共建绿色低碳银行
战略委员会
Strategy Committee
股东大会
（权力机构）
The Shareholders'
General Meeting
(Highest Authority)
提名委员会
Nomination Committee
提名委员会
Nomination Committee
薪酬委员会
Remuneration Committee
董事会 监事会
（决策机构） （监督机构）
Board of Board of
Directors Supervisors
(Decision-making body) (Supervisory body)
审计委员会
Audit Committee
监督委员会
Supervision Committee
风险管理委员会
Risk Management Committee
高级管理层
（执行机构）
Senior
关联交易委员会
Management
北京银行公司治理框架图
(Executive body)
Related Party Transactions Committee
Corporate Governance Framework of Bank of Beijing
此外，北京银行还建立了多元畅通的沟通渠道，对这些重大关键性 ESG 议题进行分析和回应。
The Bank of Beijing has also established diverse and smooth communication channels to analyze and respond to these material ESG issues
一方面 使利益相关方了解北京银行如何践行环境、社会和治理（ESG）理念。
On one hand Stakeholders can better understand how Bank of Beijing implements its ESG
principles.
另一方面 通过总行专业部室和总分联动的机制，将利益相关方关切的重要 ESG 议题
On the other hand 纳入本行的整体发展战略、年度发展计划以及日常运营活动之中。
Through coordination between the head office and regional branches, ESG concerns of
stakeholders can be incorporated into the Bank’s overall development strategy, annual
development plan, and day-to-day operations.
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北京银行 2021 年 ESG 专题报告 BANK OF BEIJING Environmental, Social and Governance Report 2021
利益相关方的 ESG 诉求与本行回应
ESG Demands of Stakeholders and Corresponding Response Measures of the Bank
响应国家产业政策 合规经营，公平竞争 充分了解
服务转型发展 Compliant operation and fair 公司的经营状况
Responding to national industrial competition Fully understand the Bank’s operating
policies, serving industry conditions
防范风险
transformation and development
维护金融体系稳定 保持公司价值的成长性
关注民生
重大关键性 ESG 议题 Prevent risks and maintain stability of 与投资回报的持续性
Paying attention to people’s the financial system Maintain the growth of value and the
Material ESG Issues
livelihoods sustainability of investment returns
利益相关方
Stakeholder 政府 监管机构 投资者
Government Regulatory Investor
Authority
坚持金融服务实体经济，支持 构建完善的公司治理体系 不断提升经营业绩，持续进行现
小微企业、科技、文化创意产 Construct a sound corporate
金分红
业发展 governance system Continuously improve operating
Adhere to financial services for performance and continue to
完善合规体系与
the real economy, and support the distribute cash dividends
内部控制建设
本行回应措施 development of small and micro 加强信息披露建设，保持与投资
Improve compliance and internal
Response Measures of enterprises in technology, cultural, 者的良好沟通
control systems
the Bank and creative sectors
Improve information disclosure
实施全面风险管理
积极创造就业机会，促进企业与 measures and maintain strong
Implement comprehensive risk
社会和谐发展 communication with investors
management
Actively create employment
opportunities and facilitate the
harmonious development of
enterprises and society
72
Building a Green and Low-carbon Bank 以锚定向 共建绿色低碳银行
优质的金融产品和服务 良好的职业发展规划 便捷的金融可获得性 支持低碳节能
High-quality financial products and 与成长机会 Convenient financial accessibility Support low-carbon energy
services Positive career development planning conservation
良好的社区公共关系
and growth opportunities
良好的经营环境 Positive community relations 实现环境友好
Positive business environment 完善的薪酬与权益 Realize environmentally friendly
保障体系 operations
Refined salary and rights protection
system
客户 员工 公众 环境
Customer Employee The Public Environment
推动产品创新 , 保持资费透明 , 实施规范的劳动合同 持续开展金融普及与公益慈善 加大绿色信贷投放
满足客户需求 Implement standardized labor 活动 Expand green credit investment
Drive product innovation, maintain contracts Continue to carry out financial
创新绿色金融产品及服务
fee transparency, and meet customer popularization and charity activities
完善的员工福利制度 Create innovative green financial
demands
Refined employee benefit system 维护良好的公众关系 products and services
提高科技水平， Maintain good public relations
总分支三级培训体系，满足员工 持续推广电子银行业务
保证客户信息安全 多元化培训需求 Further drive the e-banking business
Improve technical level to ensure the
Implement a three-level training
坚持绿色办公，将节能环保理念
security of customer data
system for Head Office, regional
贯穿日常运营
branches, and branches to meet the
Adhere to green office concepts and
diverse training needs of employees
apply the concept of energy conservation
and environmental protection
throughout day-to-day operations
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北京银行 2021 年 ESG 专题报告 BANK OF BEIJING Environmental, Social and Governance Report 2021
商业道德 合规内控 Compliance and internal control
Corporate ethics
健全合规制度体系，夯实合规风险管理根基
Improved compliance policy systems and consolidated compliance risk management
完成合规体系文件首轮重检工作
We completed its first round of re-inspection of compliance system documents
按照重检方案，完成全行 961 个合规体系文件重检工作，并做好制度重
检结论效能转化。
In accordance with its re-inspection plan, we completed the re-inspection of 961 compliance system
documents, and optimized the efficiency of the system in accordance with the re-inspection conclusions.
做好监管新规监测工作
We did a good job in staying up-to-date with new regulations
及时收集、解读、发布法律法规及监管规定，要求总行部门按照新规修
订本行制度文件，确保行内制度与监管要求相适应。
We collected, interpreted and publicized laws, regulations, and regulatory requirements in a timely
manner, and required departments of the Head Office to revise system documents in accordance with
new regulations to ensure that internal policies were in line with regulatory requirements.
坚持做好总行体系文件的合规性审核
按照重检方案，完成重检
We adhered to the compliance audit of system documents of its Head Office
全行合规体系文件
2021 年全行共出台合规体系文件 180 件，提出合规完善建议 4700 余项。
In accordance with its re-inspection
通过制度文件的合规性审核，保证规章制度对业务拓展的刚性约束，有
plan, we completed the re-inspection
of 961 compliance system documents 效提高规章制度的合规性和针对性。
In 2021, we issued a total of 180 compliance system documents, and put forward more than 4,700
个 compliance improvement suggestions. Through the compliance review of system documents, the rigid
constraints of the rules and policies on business expansion were ensured, and the compliance and
pertinence of rules and regulations were effectively improved.
深入开展“内控合规管理建设年”活动，厚植稳健审慎经营文化
2021 年，全行共出台合规
Carried out the “Year of Internal Control and Compliance Management
体系文件
Construction” campaign to foster a culture of sound and prudent operation
In 2021, we issued a total of 180
compliance system documents 根据《北京银保监局转发中国银保监会关于开展银行业保险业“内控合规管
理建设年”活动文件的通知》（京银保监发〔2021〕251 号）要求，本行组
个
织开展“内控合规管理建设年”活动。在深入开展自查自纠基础上，本行牵
头组织开展联合现场检查工作，抽调总分行领导及骨干员工成立检查组，对
总行相关部门及各家分行进行现场检查。
提出合规完善建议 In accordance with the requirements of the “Notice of the Beijing Office of the CBIRC on Forwarding the
We put forward more than 4,700 CBIRC’s Document on Launching the ‘Year of Internal Control and Compliance Management Construction’
compliance improvement suggestions in the Banking and Insurance Industry” , we organized the “Year of Internal Control and Compliance
Management Construction” campaign. On the basis of in-depth self-reflection and self-rectification, we took
余项
the lead in organizing joint on-site inspections, and designated managers and key employees to conduct on-
site inspections of departments of the Head Office and regional branches.
74
Building a Green and Low-carbon Bank 以锚定向 共建绿色低碳银行
持续强化责任追究机制，提高问责震慑作用
Continued to strengthen accountability mechanisms and improve deterrence
完成问责制度修订工作 组织开展国资委违规投资责任追究自查工作
We completed the revision of its accountability policies We organized and carried out self-inspection and accountability
work on illegal investment as required by the SASAC
根据总行各部门及各分行修订建议，结合北京市国资委 根据北京市国资委《关于做好 2021 年市管企业违规经营投
相关规定，修订完成《北京银行问责制度》，构建本行 资责任追究工作有关事项的通知》（京国资办发〔2021〕4
内容协调、流程清晰、配套完备、有效管用的责任追究 号）要求，对本行及投资机构违规经营投资责任追究工作
制度体系。 体系建设情况进行了自查梳理，要求各机构对照自查工作
In accordance with the revision suggestions of various Head Office departments 内容查漏补缺，确保各项工作落到实处，发挥实效。
and regional branches, and in consideration of the relevant regulations of the
In accordance with the requirements of the “Notice on Carrying Out
State-Owned Assets Supervision and Administration Commission (SASAC) of
Accountability Investigation of Enterprises Governed by Beijing Municipal
People’s Government of Beijing Municipality, we completed the revision of its
Government for Illegal Operation and Investment in 2021” published by the
accountability policies with coordinated content, clear procedures, complete
SASAC of the People’s Government of Beijing Municipality, the Bank and its
supporting facilities, and effective use.
subsidiaries and affiliates conducted a self-inspection on the construction of
their accountability system for illegal operations and investment, requiring all
subsidiaries and affiliates to identify and fill in gaps according to the content of
the self-inspection work to ensure implementation and effectiveness.
注重合规宣教，提升依法合规意识
Focus on compliance education and raise awareness of legal compliance
编制合规手册
We compiled a compliance manual
实施自查自纠，逐步在全行形成“不能违规、不敢违规、不愿违规”的合规文化氛围，全力推动北京银行持续稳健发展。
Carried out self-assessment and self-rectification, gradually formed a compliant corporate culture that “does not, dares not, and desires not to violate regulations” across
the entire Bank, and made every effort to drive sustainable and stable development.
定期发布合规月刊
We published a monthly compliance journal
进一步明确合规及操作风险管理要求，助力重塑合规文化，为全行依法合规经营与稳健发展保驾护航。
Further specified compliance and operational risk management requirements, reshaped its compliance culture, and ensured compliant operations and steady development.
多种形式开展合规宣教
We carried out compliance education in various forms
组织总分行操作风险及合规风险管理人员，参加商业银行合规管理专题研修班，提升本行风险管理人员在全面风险管理框架下的
风险防范和处置能力。
Organized the operational risk and compliance risk management personnel of its Head Office and regional branches to participate in special seminars on the compliance management
of commercial banks to further improve the risk prevention and resolution capabilities of risk management personnel under a comprehensive risk management framework.
强化全员合规经营意识
We strengthened the awareness of compliant operations
以“内控合规管理建设年”活动及清廉金融活动为契机，组织全员参与内控合规知识线上答题，涵养合规生态。
We used the “Year of Internal Control and Compliance Management Construction” and clean finance activities as opportunities to organize employees to participate in
the online quizzes of internal control and compliance knowledge, cultivate a compliance ecosystem, and strengthen the awareness of compliant operations.
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北京银行 2021 年 ESG 专题报告 BANK OF BEIJING Environmental, Social and Governance Report 2021
廉洁文化 Culture of integrity
强化政治监督，从严监督执纪问责
Strengthened political supervision and tightened supervision in discipline enforcement and accountability
建立健全联合监督执纪、线索 聚焦信贷管理、不良资产处置、 不断加大反洗钱考核管理力度，
联合排查等机制，一体推进主 集中采购、财务费用管理、员 开展反洗钱现场及非现场检查，
体责任和监督责任同向发力。 工行为等关键领域，严肃查处 持续督导客户身份信息治理、
开展行内巡察，进一步发挥巡 以贷谋私、利益输送、违规操作、 高风险客户和高风险业务管控
察利剑和震慑作用。聚焦重要 违规经商办企业等问题，加大 等重点领域的洗钱风险管理工
时间节点，坚持节日提醒、约 执纪问责力度，对违纪违法行 作，查缺补漏，持续夯实本行
谈和检查制度，严防“四风” 为“零容忍”。 反洗钱工作基础。
We focused on key areas such as credit We c o n t i n u o u s l y s t r e n g t h e n e d i t s
问题反弹回潮。
management, nonperforming asset resolution, evaluation and management of anti-
We established and improved mechanisms
centralized procurement, financial expense money laundering (AML) measures,
for joint supervision, discipline enforcement,
management, and employee behavior and carried out on-site and off-site AML
and investigation of clues to primary and
seriously investigate and deal with issues inspections, continued to supervise the
supervision responsibilities in an integrated
such as the taking of loans for personal gain, management of money laundering risk
manner; carried out internal inspections to
transfer of interests, operations in violation of in key areas such as customer identity
further deterrence and discipline; and focused
regulations, and business activities in violation data governance and high-risk customer
on key time points, adhered to the holiday
of regulations. It also increased discipline and business management and control,
reminder, interview, and inspection policy, and
and accountability and executed a zero- identified and made up for deficiencies,
strictly prevented the reoccurrence of formalism,
tolerance policy towards violations of laws and continued to consolidate the
bureaucracy, hedonism, and extravagance.
and regulations. foundation of its AML work.
完善制度建设，强化风险管理工作
Improved system construction and strengthened risk management
本行在高级管理层下设立洗钱风险管理委员会，全面统筹领导全行洗钱风险管理工作，持续规范董事会、监事会、高管
层、反洗钱牵头部门、业务部门、分支机构等各层级职责分工，不断优化反洗钱管理机制。
We have established a Money Laundering Risk Management Committee under senior management to comprehensively lead the money laundering risk management work,
continued to standardize the division of responsibilities at all levels such as the Board of Directors, the Board of Supervisors, senior management, leading AML departments,
business departments, and business units, and continued to optimize its AML management mechanism.
此外，本行建立了覆盖客户身份识别、客户身份资料及交易记录保存、大额和可疑交易报告等较为完善的内控制度体系，
2021 年根据反洗钱法律法规变化及本行工作实际情况，修订更新了涉及洗钱和恐怖融资风险自评估、恐怖活动客户资
产冻结及培训宣传等方面的内控制度，不断完善反洗钱制度体系。
In addition, we have established a relatively complete internal control policy system that covers customer identification, customer identification data and transaction
record keeping, large-volume and suspicious transaction reporting, and other aspects. In 2021, based on the changes in AML laws and regulations, along with its actual
conditions, we revised and updated the internal control policies for money laundering and terrorist financing self-assessment, customer asset freezing involving in terrorist
activities, training and publicity, and other areas, and continuously improved its AML policy system.
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Building a Green and Low-carbon Bank 以锚定向 共建绿色低碳银行
深入开展警示教育 本行制定清廉金融文化三年工作规划及年度重点任务，将清廉金融文化建设融入公司
推进廉洁文化建设 治理、融入风险防控、融入合规管理、融入全面从严治党，涵养全行清廉金融文化良
In-depth warning education
好氛围。
and construction of a clean
We have formulated a three-year work plan for building a clean corporate culture and other key annual
corporate culture
tasks, and integrated the construction of a clean finance culture into corporate governance, risk prevention
and control, compliance management, and comprehensive and strict party governance to foster a strong
atmosphere for clean finance.
同时，本行以行内反面典型案例为鉴，开展专题教育整改，做好以案促改、以案促治；
充分运用北京银行警示教育中心，用身边事教育身边人，强化警钟长鸣。
At the same time, we used negative case studies to guide special training and rectification, and did a good
job in driving rectification and governance through case studies. Making full use of its warning education
center, we provided comprehensive education to strengthen warning mechanisms.
此外，本行积极践行社会责任，持续开展面向全员、客户以及社会公众的反洗钱宣传
教育，2021 年累计开展 2 万余人次的、覆盖多层级的反洗钱业务知识培训，在全行
积极组织开展非法集资宣传月和以“预防洗钱犯罪、维护金融安全”为主题的反洗钱
2021 年累计开展 2 万余人 宣传活动，充分利用线下网点、社区，线上门户网站、微信公众号等多种方式和渠道
次的、覆盖多层级的反洗 开展宣传，在行内组织开展反洗钱征文活动及反洗钱知识答题测试活动，持续营造反
钱业务知识培训 洗钱工作良好氛围。
In 2021, we carried out a total of We also actively fulfilled its social responsibilities and continued to carry out AML publicity and education for
20,000 instances of AML business all employees, customers, and the general public. In 2021, we carried out a total of 20,000 instances of AML
knowledge training covering multiple
business knowledge training covering multiple levels, actively organized and carried out illegal fundraising
levels
publicity month and AML publicity activities with a focus on “preventing money laundering crimes and
余人次 maintaining financial security”, made full use of offline outlets, communities, online portals, WeChat official
platform, and other methods and channels to carry out publicity, organize AML article writing activities and AML
knowledge quizzes throughout the industry, and continued to create a strong atmosphere for AML work.
本行在营业网点进行反洗钱
宣传。
AML Publicity at a branch of Bank of
Beijing
77
北京银行 2021 年 ESG 专题报告 BANK OF BEIJING Environmental, Social and Governance Report 2021
可持续风险管理
Sustainable risk management
强化“两高一剩”行业环保准入要求 做好客户环境风险分类管理
严格落实环境风险审核 持续强化动态风险监控
Strengthened environmental protection access requirements for “energy-intensive, high emission, Carrying out categorized management of customer environmental risks and further
and overcapacity” industries and strict implementation of environment risk assessments strengthening dynamic risk monitoring
在贷前准入和调查环节，2021 年，本行依据《北京银 在贷中审查和贷后检查环节，本行会通过定期或不定
行 2021 年 授 信 业 务 指 导 意 见》（ 京 银 风 发〔2021〕 期风险提示、现场非现场检查等方式，针对宏观、系
164 号）和《北京银行 2021 年授信业务补充指导意见》
统性风险加大预警排查力度，排查识别潜在问题客户，
（ 京 银 风 发〔2021〕435 号）， 将 环 境 风 险、 社 会 风
持续强化动态风险管控。
险、安全生产要求纳入授信全流程，坚决落实“环保
In the process of in-loan review and post-loan inspection, we
一票否决”要求，坚决限制或退出涉及淘汰落后产能、 increased early warning and inspection efforts for general and
环保不达标的企业。 systemic risks through regular and intermittent risk notifications, on-
In terms of pre-loan access and investigations, in 2021, we followed the site and off-site inspections, and other measures to identify potential
“Guidance Opinions on Credit Granting Business of Bank of Beijing in problematic customers and continuously strengthen dynamic risk
2021” and the “Supplementary Guidance on Credit Granting Business management and control.
of Bank of Beijing in 2021” to incorporate environment, social, and
safe production requirements into its entire credit granting process, 同时，针对已存在重大环境和社会风险的客户，本行
resolutely implemented the one-vote veto system for environmental
protection, and restricted or withdrew from enterprises involved in
会定期通过公开信息查询等方式获取其环境风险具体
outdated production capacity and environmental protection standards 信息，并按“黑名单”标准处理相应业务。
targeted for elimination.
For customers with major environmental and social risk, the Bank
regularly obtains specific information on such risks through public
一方面，在尽职调查报告中明确了解行业风险及环保
information inquiries and other methods, and handles such enterprises
政策影响、项目的环保风险，在授信审批中严格按照 in accordance with its “blacklist” standard.
信贷政策中客户准入底线标准中的环保指标进行审核。
此外，针对“两高一剩”等重点环境风险管理领域，
In its due diligence reports, we have clearly understood industry
risks, the impact of environmental protection policies, and the 本行通过排查识别风险底数，对潜在风险客户进行名
environmental protection risks of projects. In its credit approval
单制管理。
process, we strictly followed the environmental protection indicators
For key environmental risk management areas such as “energy-
of the custom access standards of its credit policies.
intensive, high emission, and overcapacity” industries, the Bank
conducts list-based management of potential risk customers through
另一方面，针对钢铁、有色、煤炭、建材、化工、纺
investigation and identification of risk bases.
织等环境风险较高的“两高一剩”行业，严格按照国
家要求制定准入标准。
For “energy-intensive, high emission, and overcapacity” industries
such as iron and steel, non-ferrous metals, coal, construction
materials, chemicals, and textiles, access standards have been
formulated in strict accordance with national requirements.
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Building a Green and Low-carbon Bank 以锚定向 共建绿色低碳银行
积极参与 风险防控
气候风险压力测试 技术持续升级
Active participation in climate Continued upgrade of risk prevention and
risk stress testing control technologies
2021 年 9 月至 11 月，按照中国人民银行统一部署和 在增强智能化审批能力方面，完成财务预警系统功能
安排，本行参与了气候风险敏感性压力测试工作，并 开发，上线疑似关联关系识别项目，有效防控“化整
最终提交压力测试报告。重点评估银行在实现“碳达 为零绕权限”情形。
峰、碳中和”目标过程中，应对转型风险的能力，考 In terms of enhancing smart approval capacity, the Bank has
completed the development of a financial early warning system,
察高碳行业碳排放成本上升对银行持有的高碳行业信
launched a project to identify suspected associations, and effectively
贷资产质量和资本充足率水平的影响。 prevented breakdown of credit applications to avoid restrictions.
From September to November 2021, in accordance with the unified
deployment and organization of the People’s Bank of China, we 在增强自动化预警能力方面，推进全面风险预警管理
participated in climate risk sensitivity stress testing and submitted its 平台开发工作，打造 PC 端、APP 端双渠道的平台。
stress test report. We focused on assessing its ability to cope with In terms of enhancing the ability of automated early warnings, the
transition risks in the process of achieving the dual carbon goals, and Bank drove the development of a comprehensive risk early warning
examining the impact of rising carbon emissions costs in high-carbon management platform, and created a dual-channel platform covering
industries on the quality of credit assets and capital adequacy ratios both PC and mobile APP.
held by the Bank in high-carbon industries.
在增强风险数据应用效能方面，推进风控指挥中心五
期建设，完成与全面风险预警平台、天眼大数据的展
示衔接；完成模型实验室模型监控二期功能上线，优
化信用风险模型管理流程；启动非零售 PD 模型及组
合管理优化项目，推进重点模型的迭代更新；上线大
额风险暴露系统一期功能，实现全口径数据接入及
G14 报表自动化生成。
In terms of enhancing the application efficiency of risk data, the Bank furthered
the fifth phase of its risk control command center construction project, and
completed the display connection of its comprehensive risk early warning
platform with Tianyan big data; completed the launch of the second phase of its
model laboratory model monitoring function, and optimized its credit risk model
management process; began a non-retail PD model and portfolio management
optimization project, while furthering the iterative update of key models; and
launched the first phase of its large risk exposure system to realize full data
access and the automatic generation of G14 reports.
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北京银行 2021 年 ESG 专题报告 BANK OF BEIJING Environmental, Social and Governance Report 2021
ESG发展展望
ESG Development Outlook
展望 2022 年，宏观经济形势更趋复杂严峻，新冠肺炎疫情仍在持续蔓延，地缘政治冲突进一步改
变全球化格局，国内需求收缩、供给冲击、预期转弱“三重压力”持续显现，银行需要在一个更加
充满不确定性的环境寻求发展。看到挑战的同时，我们更看到机遇，看到我们国家应对风浪的强大
底气，看到经济高质量发展的不变方向，看到“双碳”目标擘画的美好蓝图，看到“共同富裕”时
代主题下每个个体蓄势待发、昂扬向上的力量。
新的一年，北京银行将坚持以习近平新时代中国特色社会主义思想为指导，继续紧密围绕国家和北
京市“十四五”规划战略部署，坚持稳中求进工作总基调，坚持以全面从严治党、全面从严治行、
全面风险管控筑牢发展基石，坚持以数字化转型统领“五大转型”，加快构建“特色鲜明、结构优
质、管理精细、技术领先、风控稳健、持续增长”的高质量、可持续、绿色发展格局，以更加奋发
有为的姿态走好“二次创业”之路，开启高质量发展新征程！
Looking ahead to 2022, the increasingly complicated macro economy, lingering impact of the epidemic, geopolitical conflicts, as well as
the domestic "triple pressures" from shrinking domestic demand, supply shock and weakening expectations require banks to move forward
in an environment full of instabilities and challenges. Yet we also see more opportunities merging from the confidence of our country to face
up to the storms, from the unchanged direction of high-quality economic development, from the blueprint of achieving the "dual carbon"
goals, and from the momentum of every individual in the era of striving for common prosperity for all.
Guided by the Xi Jinping Thought on Socialism with Chinese Characteristics for a New Era, Bank of Beijing will resolutely implement the “14th
Five-Year Plan” related strategies and decisions of the State and the Beijing Municipal Government. Upholding the underlying principle of
pursuing progress while ensuring stability, we will stay committed to full and strict governance over the Party, over the Bank and over risks
to consolidate the cornerstone of development. We will carry forward the transformation in the five major areas empowered by digital
transformation, and move faster to build a high-quality, sustainable and green development pattern with unique features, quality structure,
refined management, advanced technology, prudent risk control and sustainable growth. We will be more passionate in the pursuit of
strategic transformation, and embark on a new journey of high quality development.
本行构建高质量、可持续、绿色发展格局
We move faster to build a high-quality, sustainable and green development pattern
特色鲜明 结构优质 管理精细
Unique features Quality structure Refined management
技术领先 风控稳健 持续增长
Advanced technology Prudent risk control Sustainable growth
80
Key ESG Performance 关键 ESG 绩效
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北京银行 2021 年 ESG 专题报告 BANK OF BEIJING Environmental, Social and Governance Report 2021
为进一步促进银行业金融机构细化落实联合国 2030 年可持续发展目标（SDGs）和《巴黎气候
协定》，2019 年，联合国环境规划署发布了《负责任银行原则》（Principles for Responsible
Banking，PRB）。
In order to further drive the detailed implementation of the UN 2030 Agenda and its SDGs and the “Paris
Agreement for Climate Action” by banking financial institutions, the United Nations Environment Programme
released the “Principles for Responsible Banking (PRB)” in 2019.
PRB 为银行业金融机构的负责任行为设定 PRB 还就银行如何全面识别、评估、统
了全球基准，并通过实施指南、报告和自 计、管理、展现其对环境和社会的正负面
打 评估模板等一系列配套文件为如何实现负
责任银行提供了可行性指导，为银行建设
影响，分享了全球先进做法、提供了可借
鉴的经验，鼓励银行在最重要、最具实质
造 可持续发展体系提供了框架。 性的领域设定目标，在战略、投资组合和
Building a Responsible Bank
The PRB sets a global benchmark for the responsible 交易层面以及所有业务领域融入可持续发
负
behavior of banking financial institutions and provides
专 practical guidance on how to achieve responsible
展元素。
题 banking through a series of supporting documents
The PRB also shares international advanced practices
责 such as implementation guidelines, reports, and self-
on how banks can identify, assess, count, manage,
and demonstrate their positive and negative impacts
Special Report
assessment templates, along with a framework on the
on the environment and society, and encourages
任
construction of a sustainable development system.
banks to set targets in key material areas, incorporate
sustainability at the strategy, portfolio, and transaction
银
levels, and across all business areas.
行
从具体内容上看，PRB 要求银行确保其业务战略与 SDGs 和《巴黎气候协定》保持一致。
In terms of specific content, the PRB requires banks to ensure that their business strategies are consistent with the
SDGs and the “Paris Agreement”.
在目标层面要求银行不断提升正面影响，减少因自身业务活动、产品和服务对人类和环境造成的
负面影响。
At the target level, banks are required to continuously improve their positive impact and reduce the negative impact on humans
and the environment caused by their business activities, products, and services.
在客户、利益相关方、公司治理维度规范银行行为。
Standardize banking activities in the dimensions of customers, stakeholders, and corporate governance.
定期评估个体和整体对原则的履行情况，公开披露银行的正面和负面影响及其对社会目标的贡
献，并对相关影响负责。
Regularly evaluate individual and collective compliance with the PRBs, publicly disclose positive and negative impacts and their
contributions to social targets, and be held responsible for their impacts.
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BuildingKey Responsible Bank 打造负责任银行
北京银行高度重视自身负责任表现，积极推进《负责任银行原则》签署成员的申报工作，并于 2022 年 7 月正式签署《负
责任银行原则》，成为联合国环境署金融倡议组织成员，实现了对 SDGs17 项目标的全部响应。
Bank of Beijing attached great importance to responsible performance, actively declared its intention to become a signatory of the “Principles for Responsible
Banking”, and conducted self-assessments on three key steps to effectively implemented the PRBs.
成为 PRB 签署机构的三个关键性步骤及北京银行自我评估情况：
Three Key Steps for Becoming a PRB Signatory and the Self-Assessment of Bank of Beijing
步骤一：影响分析
Step 1: Impact Analysis
具体要求
Specific requirements
分析贵行对社会、环境和经济的重大正面和负面影响，识别贵行如何实现最大的积极影响，并减少重大负面影响。
Analyze the material positive and negative impacts of your bank on the society, environment, and economy, and identify how your bank can maximize its positive impact and
reduce its material negative impact.
评估情况
Assessment status
影响分析要求 本行现阶段实践评估情况 / 具备要素
Impact analysis requirement Assessment status/elements of current bank practices
贵行在各行业、技术和地区的业务规模 本行在立足北京、全力服务北京地区重点工作的同时，不断拓展产品及服务
The scale of the bank’s business in various industries, 辐射范围，在全国多个省市及地区建立起分支机构。
technologies, and regions While based in Beijing and fully serving the key tasks of the Beijing area, Bank of Beijing has
continuously expanded the coverage of its products and services, and established branches in
many provinces, cities, and regions across the country.
大环境、即贵行业务所在国家 / 地区的可持续 近年来，面对着内部疫情冲击和外部严峻的国际环境，本行始终以服务国家
发展挑战和优先事项 战略、服务首都建设为工作重心，推动区域经济发展。
The wider environment (i.e., the sustainability challenges Faced with the impact of the pandemic at home and the worsening environment abroad, Bank
and priorities of the country/region in which the bank of Beijing has focused on serving the national strategy and construction in Beijing to drive
operates) regional economic development.
所识别的社会、经济和环境影响大小和强度 / 本行针对各类利益相关方的诉求与关切，通过调研访谈等多种形式识别和分
显著性 析其在环境、社会和治理维度下的重大关键性议题，并采取措施予以回应。
The magnitude and intensity/significance of the identified In response to the demands and concerns of various stakeholders, Bank of Beijing has identified
social, economic, and environmental impacts and analyzed key ESG issues through research, interviews, and other methods, and has taken
the corresponding response measures.
基于影响分析确定战略业务机会，以提升正面 本行坚定不移贯彻“创新、协调、绿色、开放、共享”的新发展理念，并在
影响、减少负面影响 此理念的指导下持续优化信贷结构，积极推动普惠金融、绿色金融等产品及
Identification of strategic business opportunities based 服务创新。
on impact assessment to enhance positive impacts and Bank of Beijing unswervingly implements the new development concepts of innovation, coordination,
reduce negative impacts green, openness, and sharing, continues to optimize its credit structure in view of these concepts,
and actively drives the innovation of products and services such as inclusive and green finance.
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北京银行 2021 年 ESG 专题报告 BANK OF BEIJING Environmental, Social and Governance Report 2021
步骤二：目标设定与实施
Step 2: Establishment and Implementation of Targets
具体要求
Specific requirements
针对贵行在上一步骤中识别出的重大影响，设定 SMART 目标，并努力实现这些目标。
Set SMART targets for material impacts identified during the previous step and work towards achieving them.
评估情况
Assessment status
目标设定要求 本行推进目标设定与实施所具备的要素
Target requirement Bank measures to facilitate the establishment and implementation of targets
针对贵行至少两个（潜在）最重大的正面和负 为积极响应和支持国家提出的“双碳”目标，本行已将绿色金融上升为全
面影响，设定并公布至少两个目标 行发展重要战略，着力打造绿色金融特色品牌，并每年制定绿色信贷业务
Establish and publish at least two targets for at least two 增长目标。
of the bank’s (potentially) most significant positive and In order to actively respond to and support the dual carbon goals put forward by the PRC,
negative impacts Bank of Beijing, has elevated green finance to a key development strategy, strove to construct a
distinctive financial brand, and established annual growth targets for its green credit business.
贵行目标应明确与相关联合国可持续发展目标 本行已构建起回应利益相关方诉求与关切的责任模型，并在此基础上积极响
（SDGs）、《巴黎气候协定》目标以及其他国际、 应 17 项联合国可持续发展目标（SDGs）。
国家或区域相关框架保持一致，并推动作出更 Bank of Beijing has constructed an accountability model that responds to the demands and
concerns of stakeholders, and actively responded to the 17 SDGs on this basis.
大贡献
Targets should be clearly aligned with and contribute
to relevant SDGs, “Paris Agreement” targets, and other
relevant international, national, or regional frameworks.
贵行的目标需要具体、可测量（定量或定性）、 本行全面推进新一代信息技术在全行各个领域的企业级应用，推动全行经营
可实现、有相关性和有时限（SMART） 管理、营销管理、研发管理的数字化、智能化、平台化、生态化重构。
The targets must be specific, measurable (quantitatively Bank of Beijing comprehensively drives the enterprise-level application of next-gen information
or qualitatively), achievable, relevant, and time-bound technology in a variety of fields, and furthers the digital, intelligent, platform-based, and ecosystem
(SMART). transformation of its operations management, marketing management, and R&D management.
贵行应识别目标实施可能产生的负面影响，并 本行坚持治理透明、管理规范、诚信经营、内控严密，构建起完善的法人治
在可行的情况下采取措施减少这些负面影响 理结构、健全的制度体系。
Identify possible negative impacts of target Bank of Beijing adheres to the principles of transparent governance, standardized management,
implementation and take steps to reduce such negative honest operations, and strict internal controls, and has constructed a sound corporate governance
impacts where feasible. structure and institutional system.
本行推进全面风险管理制度，同时积极利用大数据技术进行风险识别和监测。
Bank of Beijing furthers its comprehensive risk management system, and actively uses big data
technology to identify and monitor risks.
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BuildingKey Responsible Bank 打造负责任银行
步骤三：透明与负责
Step 3: Transparency and Accountability
具体要求
Specific requirements
在贵行现有的报告中披露贵行《负责任银行原则》的实施情况，评估贵行取得的进展，并开展报告审验。
Disclose the implementation of PRBs in existing reports, evaluate progress, and conduct report verification.
评估情况
Assessment status
上市至今，本行定期公开发布独立社会责任报告，已连续
Since its listing, we have regularly published independent social responsibility reports (CSRs) for 14 consecutive years to disclose ESG-related information.
年
披露环境、社会及治理相关信息，持续关注本行经营活动带来的社会影响及披露期间的重要进展，关注政府、员工、投
资者等各利益相关者的相关诉求并采取回应措施。
We have continued to focused on the social impact of its business activities and key progress during the disclosure period, paid attention to the relevant
demands of the government, employees, investors, and other stakeholders, and taken appropriate response measures.
2021 年，本行强化业务和科技条线联动，以数字化转型统领全行“五大转型”，加强金融科技对绿色金融业务推动与管
理赋能，启动绿色金融管理系统建设项目，并将环境效益测算和环境信息披露作为重要功能需求之一，积极迎合监管政
策要求，努力做好碳核算和信息披露工作。
In 2021, we have strengthened the integration of technology and operations, led “five major transformations” through digital transformation, strengthened
the facilitation and management of green finance business through fintech, launched a green finance management system construction project, regarded
environmental benefit calculation and information disclosure as a key functional requirement, actively met the requirements of regulatory policies, and strove
to do a good job in carbon accounting and information disclosure.
以数字化转型统领五大转型
Lead “five major transformations” through digital transformation
发展模式 营运能力
Development mode Operational capacity
业务结构 管理方式
Business structure Management style
客户结构
Customer structure
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北京银行 2021 年 ESG 专题报告 BANK OF BEIJING Environmental, Social and Governance Report 2021
关键ESG绩效
Key ESG Performance
关键指标 单位 2021 年
Key Indicator Unit 2021
环境维度
Environmental (E)
绿色办公运营 1
Green Office Operations 1
营业、办公活动所消耗的水 立方米 151,529.00
Water consumed by business and office activities Cubic meter
营业、办公所消耗的电力 度 43,979,126.00
Electricity consumed by business and office activities Kilowatt-hour
营业、办公所消耗的燃气 立方米 1,401,039.30
Gas consumed by business and office activities Cubic meter
购买的采暖（制冷）服务所消耗的燃料（升）/ 或外 41,735.69
购热力（百万千焦）
Fuel (liters) consumed by purchased heating (cooling) services/or
purchased heating (million kilojoules)
温室气体排放 2
2
Greenhouse Gas Emissions
直接温室气体排放（范围一） 吨二氧化碳当量 2,645.62
Direct greenhouse gas emissions (scope 1) CO2 equivalent (tons)
间接温室气体排放（范围二） 26,563.39
Indirect greenhouse gas emissions (scope 2)
温室气体排放总量 29,209.01
Total greenhouse gas emissions
86
Key ESG Performance 关键 ESG 绩效
关键指标 单位 2021 年
Key Indicator Unit 2021
绿色金融业务 3
Green Finance Business 3
绿色信贷余额 亿元 477.40
Green credit balance RMB 100 million
绿色信贷客户 户 1,108.00
Green credit customers Customers
绿色信贷占比 百分比 5.00
Proportion of green credit %
持有绿色债券余额 亿元 34.20
Held green bond balance RMB 100 million
1 绿色办公运营数据仅统计总行层面。
Green ofce operation data is only collected at the Head Ofce level.
2 温室气体排放数据为总行层面。
Greenhouse gas emissions data is only collected at the Head Ofce level.
3 绿色金融业务数据均采用中国人民银行统计口径。绿色信贷不含个人贷款。
Green nance business data adopts the statistical standard of the People’s
Bank of China. Green credit does not include personal loans.
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北京银行 2021 年 ESG 专题报告 BANK OF BEIJING Environmental, Social and Governance Report 2021
关键指标 单位 2021 年
Key Indicator Unit 2021
社会维度
Social (S)
普惠金融贷款余额 亿元 1,261.12
Inclusive finance loan balance RMB 100 million
小微业务特色支行 科技特色支行（家） 家 26
Small and micro enterprise Science and technology Quantity
distinctive branches branches
文化特色支行（家） 家 22
Cultural branches Quantity
员工总数 人 16,526
Number of employees People
女性员工占比 百分比 58%
Percentage of female employees %
公益慈善捐赠和赞助总额 万元 9,831
Total charitable donations and sponsorships RMB 10,000
88
Key ESG Performance 关键 ESG 绩效
关键指标 单位 2021 年
Key Indicator Unit 2021
治理维度
Governance (G)
资产总额 亿元 30,589.59
Total assets RMB 100 million
客户贷款及垫款总额 16,732.38
Total customer loans and advances
客户存款 16,993.37
Customer deposits
营业收入 662.75
Operating revenue
净利润 222.26
Net profit
基本每股收益 元 1.02
Basic earnings per share RMB
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北京银行 2021 年 ESG 专题报告 BANK OF BEIJING Environmental, Social and Governance Report 2021
负责任银行（PRB）原则
Principles for Responsible Banking (PRB) Index
指标内容 回应摘要 对应披露内容索引
Requirements Summary of the Bank’s response References to the Bank’s full response
原则 1：一致性
Principle 1: Alignment
1.1 本行是全国首家资产规模突破 3 万亿元的城市商业银行，被人民银行、银保监会 关于我们
About us
描述银行业务模式，包括所服务 纳入国内系统重要性银行，主要业务覆盖北京、天津、上海、西安等十余个中心城市，
的主要客户群体、提供的主要产 拥有 600 多家分支机构。为零售客户、中小企业客户、大型企业客户和政府等利 2.1
品和服务类型、提供融资的主要 益相关方提供贷款服务、发行金融债券、结算服务、买卖政府债券等优质金融产 服务实体经济
Serving the real economy
行业 / 技术 / 活动类型，以及贵 品和服务。其中，本行能够提供优质绿色金融专业服务，及时跟进企业在清洁能源、
行主要经营或提供融资的地理区 环境治理、节能减排等方面的融资项目，支持包括在绿色金融债、碳中和债等方
域范围。 面的发债需求。
Describe your bank’s business model, Bank of Beijing is the rst city commercial bank in China to pass the RMB 3 trillion threshold for asset size. It is
including the main customer segments listed as a domestic systemically important bank by the People's Bank of China (PBOC) and China Banking and
served, types of products and services Insurance Regulatory Commission (CBIRC). The Bank has over 600 branches in over 10 major cities, including
provided, the main sectors and types Beijing, Tianjin, Shanghai and Xi’an. The Bank provides retail customers, SMEs, large companies, governments
o f a c t i v i t i e s , a n d w h e re re le v a n t t h e and other stakeholders with rst-class products and services, including loan and settlement services, issuance
technologies financed across the main of financial bonds and the trading of government bonds. Specifically, the Bank is able to offer high-quality
geographies in which your bank has green nance services. It pays close attention to corporate nancing projects in such areas as clean energy,
operations or provides products and services. environmental stewardship, and energy conservation and emission reduction, and helps meet the demand for
issuing green nance bonds, carbon-neutral bonds, etc.
本行坚持为客户创造价值，为股东创造收益，为员工创造未来，为社会创造财富，
在归位尽责中擦亮了自己的初心，践行了自身的使命。本行全力支持首都经济社
会发展，北京地区贷款余额、纳税贡献、人民银行“稳企业保就业”资金投放均
排名市管银行第一；本行聚焦社保、医疗、教育、公积金等关键民生领域提升金
融服务的“人民性”“普惠性”，让人民群众在解决一件件“关键小事”过程中
感受到北京银行服务的温暖。
The Bank spares no effort to provide value for customers, deliver returns to shareholders, build a future for employees,
and create wealth for society. It stays true to its aspirations while performing its mission and responsibility. The Bank
fully supports the economic and social development of the capital city. It ranked rst among municipally managed
banks in terms of loan balance, tax contribution, and nancial support for “stabilizing enterprises and preserving
employment” as required by the PBOC. The Bank focuses on social security, medical care, education, provident
housing fund and other key areas of people's livelihood, to make sure its “people-oriented” and “inclusive”
nancial services can meet the “big little needs” of customers.
* 关于本行的最新年度经营财务数据请阅览本行 2021 年度报告。
*Please refer to the Bank's Annual Report 2021 for its latest nancial results.
1.2 本行制定并发布《北京银行“十四五”时期发展规划和二〇三五年远景目标纲要》， 1.1
描述银行现有战略 / 计划调整战 其中明确提出要大力发展绿色金融业务，并将构建绿色发展格局列为全行工作的 绿色金融战略规划
Strategic planning on green
略如何与联合国可持续发展目标 重要指导思想。本行积极响应国家和北京市关于“碳达峰、碳中和”目标的重大 nance
（SDGs）、《 巴 黎 气 候 协 定》 决策部署，突出业务低碳发展导向，全面响应联合国可持续发展目标（SDGs）17
3.3
以及国家和地区相关框架中所述 项议题，与《巴黎协定》所述社会目标保持一致。 责任管理
的社会目标保持一致，并为之做 The “Bank of Beijing’s Development Plan for the 14th Five-Year Plan Period and Outline of Long-Range Responsibility management
Objectives Through the Year 2035” issued by the Bank identies “green development” as a guiding principle of
出贡献。
the Bank and calls for a Bank-wide effort to vigorously develop green nance. The Bank actively responded to the
major decisions of the State and Beijing Municipality on “carbon peak and carbon neutrality”. It emphasized
low-carbon development and aligned itself with the 17 SDGs as well as the social goals stated in the Paris
Agreement.
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Reference Table 索引表
指标内容 回应摘要 对应披露内容索引
Requirements Summary of the Bank’s response References to the Bank’s full response
Describe how your bank has aligned and/ 本行梳理并研究国家和地方框架及政策文件，包括《中华人民共和国国民经济和
or is planning to align its strategy to be
社会发展第十四个五年规划和 2035 年远景目标纲要》、《关于构建绿色金融体系
consistent with and contribute to society’s
goals, as expressed in the Sustainable 的指导意见》、《关于促进应对气候变化投融资的指导意见》等。
Development Goals (SDGs), the Paris Climate The Bank collected and studied national and local frameworks and policy documents, including the “Outline of
Agreement, and relevant national and the 14th Five-Year Plan for National Economic and Social Development and the Long-Range Objectives Through
regional frameworks. the Year 2035”, the “Guiding Opinions on Building a Green Financial System”, and the “Guiding Opinions on
Promoting the Investment and Financing in Response to Climate Change”.
原则 2：影响和目标设定
Principle 2: Impact and Target Setting
2.1 经过利益相关方议题重大性分析，本行确定了与可持续发展最相关的挑战和优先 1.2
影响分析 事项，例如“经济适用的清洁能源”“气候行动”“体面工作和经济增长”“可 绿色金融产品与实践
Green finance products and
Impact Analysis 持续城市和社区”等，并针对这些事项采取积极行动。
practices
说明贵行已通过影响分析识别其 Based on stakeholder issue materiality analysis, the Bank identied the top sustainability challenges and laid
down the priorities, such as “affordable and clean energy”, “climate action”, “decent work and economic
（潜在）正面和负面影响最大的 3.5
growth”, and “sustainable cities and communities”, and took positive action on these issues.
可持续风险管理
领域。
在环境维度，本行加大绿色信贷支持力度，并通过影响分析清洁能源、清洁生产、 Sustainable risk
Show that your bank has identied the areas management
in which it has its most signicant (potential) 绿色交通、绿色建筑、基础设施绿色升级、产业园区绿色升级、节能环保、生态环境、
positive and negative impact through an
绿色服务等重点支持产业。
impact analysis.
Regarding the environmental component of ESG, the Bank increased green credit support and, as its impact analysis
suggested, directed its resources to key industries such as clean energy, clean production, green transportation,
green building, green upgrading of infrastructure, green upgrading of industrial parks, energy conservation and
environmental protection, ecological stewardship, and green services.
在社会维度，将金融服务乡村振兴纳入本行党建指导意见和北京银行“十四五”
时期发展规划，成立助力乡村振兴工作领导小组，以扎实推进集体经济薄弱村帮
扶工作为重点，坚持引资引技引智相结合，帮助村集体经济拓宽发展路径，实现
良性运营发展，助力巩固拓展脱贫攻坚成果。创新“三农”金融产品，升级“富
民直通车”，打造“万院计划”，在金融服务支持三农工作发展、促进共同富裕
的道路上笃定前行。
As for the social component, the Bank incorporated financial services for rural revitalization into its Party
building guidelines and development plan for the 14th Five-Year Plan period, and set up a leading group for rural
revitalization. To build on the success in poverty alleviation, it focused on helping villages with weak collective
economy broaden development paths and enter a virtuous cycle by attracting capital, technology and talents.
The Bank innovated in “San Nong (Three Rural Issues)” nancial products, upgraded the “Wealthy Farmer
Vehicle”and launched the“Ten Thousand-Courtyard Plan” administering a dose of nancial adrenaline for“San
Nong” and common prosperity.
此外，本行深入开展“我为群众办实事”实践活动，持续优化惠民金融服务，打
造长者驿站和“尊爱版”手机银行，关爱特殊人群。强化对老龄客户等特殊人群
关爱。发挥全方位服务功能，引导多层次资金流向教育、养老、慈善等领域。持
续扩大减费让利成效，办理小微企业延期还本付息 4769 笔、272.7 亿元，以实际
行动提升市场主体获得感、满意感。
To better serve the people in practical ways, the Bank constantly improved its inclusive nancial services and
showed particular care for the vulnerable groups. For example, it set up service stations for the elderly and
developed age-friendly mobile apps. The Bank showed particular care for the elderly and other vulnerable groups.
The Bank offered a full = range of services to guide the ow of multi-level funds to education, eldercare, charity
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指标内容 回应摘要 对应披露内容索引
Requirements Summary of the Bank’s response References to the Bank’s full response
and other elds. The Bank constantly expanded the benets of its fee reduction campaign. It approved 4,769
deferred payments of debts amounting to a total of RMB 27.27 billion, much to the satisfaction of small and micro
enterprises, among other market players.
2.2 在环境领域，本行设定了绿色贷款规模目标，即在未来三年内，绿色贷款在公司 1.1
目标设定 贷款中规模占比超过 25%，旨在全力打造绿色金融全面领先的城市商业银行。本 绿色金融战略规划
Strategic planning on green
Target Setting 行制定《2022 年授信业务指导意见》，将绿色金融作为优先投放领域，明确要求
nance
说明贵行已针对至少两个自身业 提升绿色金融业务占比，明确绿色金融重点投向，完善绿色产业行业信贷政策。
1.2
务和提供产品 / 服务（潜在）影 Regarding the environmental component of ESG, the Bank set a target for the scale of green loans: in the next
绿色金融产品与实践
three years, green loans will account for more than 25% of corporate loans. It aimed to become a leading city
响最大的领域，设定并公布至少 Green nance products and
commercial bank in green nance across the board. The Bank’s “2022 Guiding Opinions on Credit Business”
两个目标。目标具体、可测量（定 (the “2022 Guiding Opinions”) have identied green nance as a priority business to develop, explicitly required practices
an increase in the proportion of green nance, specied the key targets of green nance, and improved the credit
性或定量）、可实现、有相关性 2.1
policies for green sectors.
及有时限（SMART）。 服务实体经济
Show that the bank has set and published a
2021 年，本行及时跟进企业在清洁能源、环境治理、节能减排等方面的融资项目， Serving the real economy
minimum of two targets, which address at least 包括在绿色金融债、碳中和债等方面的发债需求，投资绿色债券 4 笔，金额 4.2 亿元，
two of the identied “areas of most signicant
助力绿色产业转型升级。同时《2022 年授信业务指导意见》把绿色信贷作为优先
(potential) impact”, resulting from the bank’s
activities and provision of products and services. 支持领域，明确绿色信贷政策导向，加大对节能环保、低碳经济、循环经济、清
The targets must be specific, measurable
洁能源等领域的支持力度；将环境风险、社会风险、安全生产要求纳入授信全流程，
(quantitatively or qualitatively), achievable,
relevant, and time-bound (SMART).
坚决落实“环保一票否决”要求。
In 2021, the Bank paid close attention to corporate financing projects in such areas as clean energy,
说明这些目标与联合国可持续发 environmental stewardship, energy conservation and emission reduction. It also followed up on the demand
展目标（SDGs）、《巴黎气候协定》 for issuing green nance bonds, carbon-neutral bonds, etc. To facilitate green transition industries, the Bank
invested RMB 420 million in four green bonds. The “2022 Guiding Opinions” also prioritizes the development of
目标以及国际、国家或地区其他
green nance, emphasizes the need to intensify support for such areas as energy conservation and environmental
相关框架保持一致，并推动做出 protection, low-carbon economy, circular economy, and clean energy, and integrates environmental risk, social
risk, safe production requirements and veto power of environment protection in the whole process of credit
更大贡献。银行应该确定一个基
granting.
线（针对特定年份进行评估），
本行为实现打造绿色金融全面领先的城市商业银行这一目标，与清洁能源、节能
并根据基线设定目标。
Show that these targets are linked to and drive
环保等相关企业客户密切合作，尽可能支持企业的节能技改，污染治理等，增加
alignment with and greater contribution to 就业岗位，提高企业核心竞争能力，实现绿色低碳产业升级转型。
appropriate Sustainable Development Goals,
To achieve the goal of building a leading city commercial bank in green nance, the Bank worked closely with its
the goals of the Paris Agreement, and other
corporate customers in clean energy, energy conservation and environmental protection and other related sectors
relevant international, national or regional
on energy-saving technological reform, pollution control, etc. Such cooperation served not only to improve the
frameworks. The bank should have identied
core competitiveness of the companies, but to facilitate low-carbon, green transformation of the sectors as well.
a baseline (assessed against a particular year)
Better still, it created new jobs.
and have set targets against this baseline.
在社会领域，本行的目标是重点布局《北京市“十四五”时期高精尖产业发展规划》
说明银行已经分析并确认了所设 提出的新一代信息技术、医药健康等十大战略性新兴行业，积极支持高新技术企业、
定目标可能对可持续发展目标 “专精特新”中小企业、新三板挂牌和北交所企业等创新发展。此外，本行对就
（SDGs）/ 气候变化 / 社会目标的 业作出重要贡献，坚持金融服务实体经济，支持小微企业、科技、文化创意产业
产生的重大（潜在）负面影响，并 发展，积极创造就业机会，促进企业与社会和谐发展。
在可行的情况下采取相关措施，尽 As for the social component, the Bank aimed to focus on ten strategic emerging industries, such as the next
generation of information technology and medicine and health proposed in the “High-Tech Industry Development
可能地减少这些负面影响，提升净
Plan for the Beijing 14th Five-Year Plan Period”, and actively support the innovation and development of high-
正面影响。 tech enterprises, “professional, excellent, special, and innovative” small- and medium-sized enterprises, and
enterprises listed on the National Equities Exchange and Quotations (NEEQ) and Beijing Stock Exchange. Also,
the Bank has made important contributions to employment. It adhered to nancial services for the real economy,
supported the development of small and micro enterprises in technology, cultural, and creative sectors, played
an active part in creating jobs, and promoted the harmonious development of enterprises and society.
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Reference Table 索引表
指标内容 回应摘要 对应披露内容索引
Requirements Summary of the Bank’s response References to the Bank’s full response
Show that the bank has analysed and 基于上述分析，结合自身贷款组合现状，本行制定《北京银行 2021 年授信业务指
acknowledged significant (potential) negative
导意见》和《北京银行 2021 年授信业务补充指导意见》，应对国内需求收缩等挑
impacts of the set targets on other dimensions
of the SDG/climate change/society’s goals 战，推动支持可持续发展目标的实现。
and that it has set out relevant actions to Based on the above analysis and the current status of its loan portfolio, the Bank formulated the “Guidance
mitigate those as far as feasible to maximize Opinions on Credit Granting Business of Bank of Beijing in 2021” and the “Supplementary Guidance on Credit
the net positive impact of the set targets. Granting Business of the Bank of Beijing in 2021” to address challenges such as contraction in domestic demand
and promote the achievement of SDGs.
2.3 在目标实施绩效分析和风险跟踪监测方面，本行计划采取的措施和行动包括：制 3.1
目标实施和监测计划 定并实施客户风险管理相关的有效政策和流程。在贷中审查和贷后检查环节，通 战略规划
Strategic planning
P l a n s fo r Ta rg e t I m p le m e n ta t i o n a n d 过定期或不定期风险提示、现场非现场检查等方式，针对宏观、系统性风险加大
Monitoring
预警排查力度，排查识别潜在问题客户，持续强化动态风险管控。同时，针对已 3.5
说明贵行为达到设定的目标，已 可持续风险管理
存在重大环境和社会风险的客户，本行会定期通过公开信息查询等方式获取其环
Sustainable risk
设定了阶段性目标并制定了行动
境风险具体信息，并按“黑名单”标准处理相应业务。 management
方案。 In terms of performance analysis and risk tracking and monitoring, the Bank planned to develop and implement
Show that your bank has dened actions and effective policies and processes related to customer risk management. In the process of in-loan review and
milestones to meet the set targets. post-loan inspection, the Bank increased early warning and inspection efforts for general and systemic risks
through regular and intermittent risk notifications, on-site and off-site inspections, and other measures to
说明贵行已经建立了衡量和监测 identify potential problematic customers and continuously strengthen dynamic risk management and control. For
customers with major environmental and social risk, the Bank regularly obtained specic information on such
目标实施进度的方法，相关关键
risks through public information inquiries and other methods, and handled such enterprises in accordance with
绩效指标的定义、定义的任何变 its “blacklist” standard.
动以及基线的任何重设都应公开
在贷前准入和调查环节，2021 年，本行将环境风险、社会风险、安全生产要求纳
披露。
入授信全流程，坚决落实“环保一票否决”要求，坚决限制或退出涉及淘汰落后产能、
Show that your bank has put in place the
means to measure and monitor progress 环保不达标的企业。一方面，在尽职调查报告中明确了解行业风险及环保政策影响、
against the set targets. Definitions of key
项目的环保风险，在授信审批中严格按照信贷政策中客户准入底线标准中的环保
performance indicators, any changes in these
definitions, and any rebasing of baselines 指标进行审核。另一方面，针对钢铁、有色、煤炭、建材、化工、纺织等环境风
should be transparent. 险较高的“两高一剩”行业，严格按照国家要求制定准入标准。
In terms of pre-loan onboarding and investigations, in 2021, the Bank incorporated environment, social, and
safe production requirements into its entire credit granting process, resolutely implemented the veto power
for environmental protection, and restricted or withdrew from enterprises with outdated production capacity or
failing to meet environmental protection standards. In its due diligence reports, the Bank clearly understood
industry risks, the impact of environmental protection policies, and the environmental protection risks of projects.
In its credit approval process, the Bank strictly followed the environmental protection indicators of the customer
onboarding standards of its credit policies. For “energy-intensive, high emission, and overcapacity” industries
with high environmental risk such as iron and steel, non-ferrous metals, coal, construction materials, chemicals,
and textiles, onboarding standards have been formulated in strict accordance with national requirements.
此外，本行实施气候风险压力测试，开展影响分析，分析本行在实现“碳达峰，
碳中和”目标过程中应对转型风险的能力，重点考察高碳行业碳排放成本上升对
银行持有的高碳行业信贷资产质量和资本充足率水平的影响，强化客户环境风险
分类管理。
Also, the Bank conducted a climate risk stress test and an impact analysis, in which it assessed its ability to
cope with transition risks in the process of achieving the dual carbon goals and examining, among others,
the impact of rising carbon emissions costs in high-carbon industries on the quality of credit assets and
capital adequacy ratios of the Bank. In doing so, the Bank strengthened classification and management of
customers’ environmental risks.
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指标内容 回应摘要 对应披露内容索引
Requirements Summary of the Bank’s response References to the Bank’s full response
2.4 绿 色 金 融 方 面， 截 至 2021 年 末， 本 行 绿 色 贷 款 余 额 477.4 亿 元， 较 年 初 增 长 1.2
目标实施进展 215.2 亿元，增幅 82.1%，累计服务客户数超千户，其中清洁能源产业贷款同比增 绿色金融产品与实践
Green nancial products and
Progress on Implementing Targets 长 104.7%，增速位居主要银行前列。从具体的绿色贷款资金投向情况来看，投向 Practice
针对每个目标：说明贵行已经落 基础设施绿色升级产业的资金占比最高，余额为 180.6 亿元；其次分别是：清洁
2.1
实所制定的目标实施行动。或解 能源产业，余额 144.9 亿元；节能环保产业，余额 94.9 亿元；生态环境产业，余 服务实体经济
释为何未落实相关行动或为何需 额 27.5 亿元；清洁生产产业，余额 25.4 亿元；绿色服务产业，余额为 1.1 亿元。 Serving the real economy
调整行动，以及贵行如何调整其 2022 年 3 月，经上海环境能源交易所对本行上海分行本部 2021 年度运营层面碳
1.4
计划以达到既定目标。 中和进行认证，本行上海分行成为上海市首家实现 2021 年度运营层面碳中和的“绿 绿色低碳运营
For each target separately: Show that 色银行”。 Green and low-carbon
your bank has implemented the actions operation
In terms of green nance, as of the end of 2021, the Bank’s balance of green loan amounted to RMB 47.74
it had previously defined to meet the set
billion, up RMB 21.52 billion or 82.1% as compared with the beginning of the year. The customer base exceeded
target. Or explain why actions could not be
1,000. Loan for clean energy grew by 104.7% year on year, faster than most of the major banks. As to the
implemented / needed to be changed and
targets of specic green loans, the largest portion of the loan balance went to the sector of green infrastructure
how your bank is adapting its plan to meet its
upgrading, with a balance of RMB 18.06 billion. It was followed by: clean energy sector, with a balance of RMB
set target.
14.49 billion; energy conservation and environmental protection sector, with a balance of RMB 9.49 billion;
ecological environment sector, with a balance of RMB 2.75 billion; clean production sector, with a balance of RMB
报告贵行过去 12 个月（在签署 2.54 billion; and green service sector, with a balance of RMB 110 million. In March 2022, Shanghai Environment
后首次披露时最多可以覆盖 18 and Energy Exchange recognized the carbon-neutral operations of Bank of Beijing Shanghai Regional Branch in
2021. Shanghai Regional Branch became the rst “green bank” in Shanghai with carbon-neutral operations in
个月）目标实施进展以及其产生
2021.
的影响。（在适当可行的情况下，
科创金融方面，本行与人行营管部、市经信局联合打造两款针对中小微企业专属
银行应包括量化披露）
信贷产品——创新型小微企业贷款产品和“高精尖”双益贷产品，加大中小微企
Report on your bank’s progress over the
last 12 months (up to 18 months in your rst 业贷款投放；推出线上标准化产品“科企贷”，引入知识产权评价要素，为科技
reporting after becoming a signatory) towards
企业提供线上小额信用贷款；针对专精特新企业、新三板挂牌及北交所上市企业
achieving each of the set targets and the impact
your progress resulted in. (where feasible and 制定金融专属服务方案。截止 2021 年末，全行科创金融贷款余额 1607.5 亿元，
appropriate, banks should include quantitative 户数 7150 户。
disclosures)
In terms of sci-tech innovation finance, the Bank, together with the PBooC Operations Office and Beijing
Municipal Bureau of Economy and Information Technology, created two exclusive loan products for micro, small
and medium enterprises - loans for innovative SMEs and “double benet” loans for high-tech companies. Also,
the Bank launched a standardized product online to provide small credit loans for tech companies based on IP
assessment, along with exclusive nancial solutions for “professional, sophisticated, special, and innovative”
SMEs and enterprises listed on NEEQ and Beijing Stock Exchange. As of the end of 2021, The Bank’s sci-tech
innovation nance balance was RMB 160.75 billion, supporting 7,150 enterprises.
原则 3：客户与顾客
Principle 3: Clients and Customers
3.1 本行印发《北京银行消费者权益保护工作管理规定》《北京银行消费投诉管理规定》 2.1
概述为促进与顾客之间负责任的关 等一系列消费者权益保护体系文件，为总分支三级机构有序开展消费者权益保护 服务实体经济
Serving the real economy
系，贵行已实施和 / 或计划实施的 工作提供了制度保障。
政策与做法。概述已执行的（和 / The Bank issued a series of consumer rights protection polices such as the “Regulations on the Protection of 2.2
Consumer Rights and Interests of the Bank of Beijing” and the “Regulations on the Management of Consumer
或计划的）方案和措施、其规模以 品质服务
Complaints of the Bank of Beijing”, providing an institutional guarantee for orderly consumer rights protection
Quality services
及（在可能的情况下）其结果。 efforts in the Head Ofce, regional branch and branch levels.
Provide an overview of the policies and
本行各大网点还充分利用配套设备，通过柜台折页、电子屏等随时随地宣传金融
practices your bank has in place and/or is
planning to put in place to promote responsible 知识，并托官方网站、微信公众号等各类自有渠道，及时发布金融宣教知识及风
relationships with its customers. This should 险提示案例，让消费者树立价值投资、理性投资和风险防范意识。
The Bank’s branches made full use of supporting equipment. They publicized nancial knowledge anytime and
anywhere through counter posters, electronic screens, and other means, and used ofcial website, WeChat ofcial
account, and other channels to release nancial knowledge and risk warnings in a timely basis, thereby ensuring
that consumers develop a sense of value investment, rational investment, and risk prevention.
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include high-level information on any 本行定期对总行部门及分支机构进行考核，以科学管理与高效激励引导全行进行
programmes and actions implemented (and/or
内部自律，为消费者权益保护事业添砖加瓦。
planned), their scale and, where possible, the
results thereof. The Bank regularly assesses its Head Ofce departments and regional branches. Through scientic management and effective
incentives, it offers guidance on bank-wide self-discipline to better protect consumer rights.
3.2 在加强人才队伍建设方面，本行紧密围绕服务全行改革发展任务，制定“十四五” 1.1
描述贵行如何和 / 或计划如何与 人才发展专项规划，从战略高度谋划人才队伍建设，通过培训帮助员工与客户和 绿色金融战略规划
Strategic planning on green
客户和顾客合作，以鼓励可持续 顾客就自身经营活动的环境、社会等影响开展沟通。 nance
实践，促进经济活动可持续发展。 The Bank formulated a strategic plan for talent development in the 14th Five-Year Plan period, as part of the Bank’s
reform and development campaign. It also trained employees to communicate with customers about the environmental
1.2
Describe how your bank has worked with
and social impacts of their business activities. 绿色金融产品与实践
and/or is planning to work with its clients
Green finance products and
and customers to encourage sustainable
在加强绿色金融服务创新方面，本行为客户提供丰富的绿色金融产品和服务，发 practices
practices and enable sustainable economic
activities.
行全国首单“碳中和”小微金融债券 20 亿元，落地北京市首笔碳配额质押贷款， 2.3
助力全国首批、北京市首笔公募 REITs“首钢绿能”项目成功募集。本行《2022 员工权益
Employee rights
年授信业务指导意见》将绿色金融作为优先投放领域，强调加大对节能环保、低
碳经济、循环经济、清洁能源等领域的支持力度。 3.5
IIn terms of green nance innovation, the Bank provided customers with a wide range of green nancial products
可持续风险管理
Sustainable risk
and services. For example, it issued the rst “carbon-neutral” bonds of RMB 2 billion in China for small and micro
management
enterprises, and the rst carbon-emission-allowance-pledged loan in Beijing. It also helped Shougang Group raise
funds for its “green energy” project through public offering of Beijing’s rst and one of China’s earliest real
estate investment trusts (REITs). The “2022 Guiding Opinions” of the Bank makes green finance a priority and
emphasizes the need to intensify support for such areas as energy conservation and environmental protection, low-
carbon economy, circular economy, and clean energy.
在倡导绿色发展理念方面，制定《北京银行节能降耗实施方案》，倡导员工从实
际出发、从小事开始、从身边事做起，低碳绿色出行，扎实推进垃圾分类工作，
实施绿色办公、绿色采购，全力打造绿色环保办公环境。
As far as green development goes, the Bank believes that nothing is too small to start with. The “Implementation
Plan of Bank of Beijing for Energy Conservation and Consumption Reduction” was formulated to call for low-
carbon mobility, waste sorting, green ofce and green procurement, so the Bank can do its best to create a green
working environment.
原则 4：利益相关方
Principle 4: Stakeholders
4.1 本行高度重视利益相关方诉求，识别出包括政府、监管机构、投资者、客户、员工、 3.3
描述为实施《原则》和提升贵行 公众等各类内外部利益相关方，通过内外部调研访谈等方式，识别出对本行有实 责任管理
Responsibility management
影响，贵行与哪些利益相关方（或 质性影响的重大 ESG 议题。
专题 打造负责任银行
利益相关方的群体 / 类型）开展意 The Bank attached great importance to stakeholder concerns. The internal and external stakeholders it identied
Special Report: Building a
include the government, regulators, investors, customers, employees, and the public. Through internal and
见征询、沟通、协作或合作。概 Responsible Bank
external surveys and interviews, it also identied the ESG issues with a substantial impact on the Bank.
述贵行如何识别利益相关方、解
本行已构建起回应利益相关方诉求与关切的责任模型，并在此基础上积极响应联
决了哪些问题、取得了哪些成果。
合国可持续发展目标。通过总行专业部室和总分联动的机制，将利益相关方关切
Describe which stakeholders (or groups/types
of stakeholders) your bank has consulted, 的重要 ESG 议题纳入本行的整体发展战略、年度发展计划以及日常运营活动之中。
engaged, collaborated or partnered with for the The Bank has constructed an accountability model that responds to the demands and concerns of stakeholders, and actively
purpose of implementing these Principles and responded to the SDGs on this basis. Through coordinated actions of the Head Ofce and regional branches, key stakeholder
improving your bank’s impacts. This should ESG concerns were incorporated into the Bank’s overall development strategy, annual development plan, and day-to-day
include a high-level overview of how your bank operations. The Bank continued to serve its customers, empower its employees and contribute to society. It created new
has identified relevant stakeholders and what prospects for high-quality development on the basis of promoting economic, social and environmental sustainability.
issues were addressed/results achieved.
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北京银行 2021 年 ESG 专题报告 BANK OF BEIJING Environmental, Social and Governance Report 2021
指标内容 回应摘要 对应披露内容索引
Requirements Summary of the Bank’s response References to the Bank’s full response
原则 5：公司治理与银行文化
Principle 5: Governance & Culture
5.1 本行已构建“三会一层”现代公司治理架构，股东大会为最高权力机构、董事会 3.2
描述为管理重大（潜在）正面和 为决策机构、监事会为监督机构、高级管理层为执行机构。在董事会下设战略、 治理架构
Governance structure
负面影响、有效落实《原则》， 关联交易、风险管理、审计、提名与薪酬六个专门委员会，监事会下设提名、监
贵行实施或计划实施的相关治理 督委员会两个专门委员会。其中，董事会负责定期评估并完善本行公司治理，维 专题 打造负责任银行
Special Report: Building a
架构、政策和流程。 护金融消费者和其他利益相关者合法权益，并对本行《社会责任报告》进行审议。
Responsible Bank
Describe the relevant governance structures, The Bank established a modern corporate governance structure of “the Shareholders’ General Meeting, the Board
policies and procedures your bank has in of Directors, the Board of Supervisors and Senior Management,” in which the Shareholders’ General Meeting is the
place/is planning to put in place to manage supreme organ of authority, the Board of Directors is the decision-making body, the Board of Supervisors is the supervisory
significant positive and negative (potential) body and the Senior Management is the executive body. There are six special committees under the Board of Directors,
impacts and support effective implementation responsible for strategy, related party transactions, risk management, auditing, nomination, and remuneration respectively,
of the Principles. along with special committees for nomination and supervision under the Board of Supervisors. In particular, the Board of
Directors is responsible for regularly evaluating and improving corporate governance, safeguarding the legitimate rights and
interests of nancial consumers and other stakeholders, and reviewing the Bank’s “Social Responsibility Report”.
本行积极跟踪监管政策要求、市场形势变化、客户服务需求、技术发展趋势，持
续动态优化总行的部室设置，逐步形成科学分工、高效协同、权责匹配的总行组
织架构体系。
The Bank followed closely regulatory policy requirements, changes in market conditions, customer service
demands, and technological development trends. It continued to dynamically optimize the organizational structure
of its Head Ofce, and has gradually formed a head ofce organizational structure with scientic division of labor,
efcient coordination, and rational rights and responsibilities.
本行明确了可持续发展战略规划、治理架构及责任管理体系，还在各级建立有效
和问责的体制，做好合规内控及廉洁文化，严格落实可持续风险管理。
The Bank clarified its strategic plan for sustainable development, governance structure, and responsibility
management system, and established effective and accountable systems at all levels, implemented internal
compliance controls and a clean governance culture, and strictly implemented sustainable risk management.
5.2 本行积极推进《负责任银行原则》签署成员的申报工作，并对有效落实原则的三 1.3
描述为在员工中形成负责任的 个关键性步骤进行自我评估，目前已成功签署该原则。 绿色金融研究与合作
Green finance research and
银 行 文 化， 贵 行 已 实 施 或 计 划 The Bank proactively prepared for the signing of the “Principles for Responsible Banking” and conducted self-
cooperation
assessments on three key steps to effectively implemented the PRBs. The Bank has successfully become a signatory to the
实 施 的 倡 议 和 措 施。 概 述 相 关
PRBs. 2.2
能 力 建 设、 薪 资 结 构 和 绩 效 管 品质服务
本行开展常态化专题培训，提升全行绿色贷款统计专职人员专业水平。
理 中 相 关 因 素 的 纳 入 情 况、 领 Quality service
The Bank offered regular training sessions to improve the professionalism of its full-time green loan statisticians.
导沟通等方面。
2.4
本行鼓励和引导员工在工作中从服务客户、热心公益、绿色运营等多角度理解和
Describe the initiatives and measures your
社会公益
bank has implemented or is planning to 践行负责任银行原则的具体要求。
Social welfare
implement to foster a culture of responsible The Bank encouraged and guided its employees to practice the specific PRB requirements from various
banking among its employees. This should perspectives in their work, such as serving customers, being enthusiastic about public welfare, and green 专题 打造负责任银行
include a high-level overview of capacity operations. Special Report: Building a
building, inclusion in remuneration structures Responsible Bank
and performance management and leadership
communication, amongst others.
5.3 本行各部门已针对绿色金融、节能降耗等方面设定了明确目标，并积极设计和落 1.1
说明贵行具备落实《负责任银行 实目标实施方案和计划。 绿色金融战略规划
Strategic planning on green finance
原则》的治理架构，包括： All departments of the Bank set clear targets for green nance, energy conservation and consumption reduction. They
also proactively designed and carried out the implementation plans. 专题 打造负责任银行
Show that your bank has a governance
structure in place for the implementation of Special Report: Building a
Responsible Bank
the PRB, including:
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a) 目标设定和实施行动 此外，本行在各级建立起有效和问责的体制，修订完成《北京银行问责制度》， 3.4
a) target-setting and actions to achieve targets set 构建本行内容协调、流程清晰、配套完备、有效管用的责任追究制度体系。同时， 商业道德
Corporate ethics
b) 在目标或阶段性目标没有达 组织开展国资委违规投资责任追究自查工作，严格落实合规内控及廉洁文化工作
成或发现未预估到的负面影响 和可持续风险管理。
时，采取补救措施 The Bank established its accountability systems at various levels with coordinated content, clear procedures,
complete supporting measures, and effective implementation. Also, it carried out self-assessment on irregular
b) remedial action in the event of targets or
investment as required by the State-owned Assets Supervision and Administration Commission of the State
milestones not being achieved or unexpected
Council, strictly implemented compliance and internal control, built a clean governance culture, and managed
negative impacts being detected
sustainability risks.
原则 6：透明与责任意识
Principle 6: Transparency & Accountability
6.1 本行通过联合政府部门、研究院所、生态产品投融资交易平台、第三方专业环评 1.2
《负责任银行原则》的实施进展 中介服务机构等渠道，打造绿色金融生态圈，为绿色企业提供资金支持、政策研究、 绿色金融产品与实践
Green finance products and
Progress on implementing the Principles for 交易撮合、信息咨询、项目评估、技术推广等综合性服务方案，力争落地多项全
practices
Responsible Banking
国首单的创新金融产品，加大绿色金融供给，并提升绿色金融影响力。
说明贵行过去 12 个月（在签署后 The Bank established a green nance ecosystem through cooperation with government departments, research
2.1
首次披露时最多可以覆盖18个月） institutes, ecological product investment and financing trading platforms, and third-party professional EIA 服务实体经济
agencies. It provided green enterprises with comprehensive services, including nancial support, policy research, Serving the real economy
在至少两个领域设定目标并落实
business matchmaking, information consultation, project evaluation, and technology promotion. It also rolled out
专题 打造负责任银行
（请见 2.1-2.4）以外，在履行六项 a number of nancial products that are never seen in the country, and increased the accessibility and inuence of
Special Report: Building a
green nance.
原则方面还取得了其他进展。 Responsible Bank
Show that your bank has progressed on 本行重点打造“GBIC2”组合金融模式，打造全生态服务新模式，精准服务实体经
implementing the six Principles over the last 12
济重点领域和薄弱环节，提升金融的适应性、普惠性和竞争力，全力构筑北京银
months (up to 18 months in your rst reporting
after becoming a signatory) in addition to 行发展的新动能新优势。
the setting and implementation of targets in By building the “GBIC” comprehensive financial service model, the Bank has created a new paradigm of
minimum two areas (see 2.1-2.4). ecosystem services. Targeting the key areas and weak links of the real economy, the Bank strove to enhance its
nancial adaptability, inclusiveness and competitiveness, and thereby provided new impetus for its high-quality
说明贵行已经考虑了与履行负责
development.
任银行六项原则相关的现有和新
本行抢抓数字经济发展机遇，以数字人民币对民生的促进作用为根本出发点，全
兴的国际 / 地区良好做法。并在
力推动数字人民币业务拓展，打造北京银行数字人民币业务特色亮点。
此基础上，确定了与良好实践相
The Bank seized the opportunity of the digital economy. Seeing digital yuan (e-CNY) as a boost of people's
一致的优先事项和目标计划。 livelihood, the Bank promoted the expansion of digital yuan as a banking business with striking features.
Show that your bank has considered existing
and emerging international/regional good
practices relevant for the implementation of
the six Principles for Responsible Banking.
Based on this, it has defined priorities and
ambitions to align with good practice.
说明贵行已经提升 / 正在提升现
有做法，以反映和符合现有及新
兴的国际 / 地区良好做法，并在
履行《原则》方面有所进展。
Show that your bank has implemented/is working
on implementing changes in existing practices to
reect and be in line with existing and emerging
international/regional good practices and has
made progress on its implementation of these
Principles.
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北京银行 2021 年 ESG 专题报告 BANK OF BEIJING Environmental, Social and Governance Report 2021
全球报告倡议组织（GRI）《可持续发展报告标准》
Global Reporting Initiative (GRI) Sustainability Reporting Standards
编号 内容 披露位置
Disclosure No. Contents Index of corresponding disclosure content
GRI 102：一般披露
General Disclosures
1. 组织简介
Organizational profile
组织名称
G102-1 1
Name of the organization
活动、品牌、产品、服务
G102-2 2
Activities, brands, products, and services
总部地址
G102-3 110
Location of headquarters
事业所地址
G102-4 110
Location of operations
所有形态及法人资格
G102-5 /
Ownership and legal form
进驻市场
G102-6 2
Markets served
组织规模
G102-7 2
Scale of the organization
员工及其他劳动者相关信息
G102-8 53-63、88
Information on employees and other workers
供应链
G102-9 26、35
Supply chain
组织及其供应链相关重大变化
G102-10 /
Signicant changes to the organization and its supply chain
预防原则或预防性探讨
G102-11 /
Precautionary Principle or approach
外部主导权
G102-12 /
External initiatives
团体会员资格
G102-13 82-85
Membership of associations
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Disclosure No. Contents Index of corresponding disclosure content
2. 战略
Strategy
上层决策者声明
G102-14 80
Statement from senior decision-maker"
重要的影响、风险和机遇
G102-15 67-68、78-79
Key impacts, risks, and opportunities"
3. 道德与诚信
Ethics and integrity
价值观、理念、行为准则和规范
G102-16 66-69
Values, principles, standards, and norms of behavior
道德相关建议与因忧虑而存在的制度
G102-17 74-76
Mechanisms for advice and concerns about ethics
4. 治理
Governance
治理结构
G102-18 70-71
Governance structure
授权
G102-19 70
Delegating authority
有关经济、环境、社会项目的高管责任
G102-20 70-73
Executive-level responsibility for economic, environmental, and social topics
有关经济、环境、社会项目的与利益相关方的协商
G102-21 70-73
Consulting stakeholders on economic, environmental, and social topics
最高治理机构及其委员会的结构
G102-22 70-71
Composition of the highest governance body and its committees
最高治理机构主席
G102-23 /
Chair of the highest governance body
最高治理机构的指定和选出
G102-24 70-71
Nominating and selecting the highest governance body
利益冲突
G102-25 76-77
Conicts of interest
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编号 内容 披露位置
Disclosure No. Contents Index of corresponding disclosure content
最高治理机构在目的、价值观、战略设定中的职责
G102-26 70-73
Role of highest governance body in setting purpose, values, and strategy
最高治理机构的集体智慧
G102-27 74-77
Collective knowledge of highest governance body
最高治理机构的绩效考评
G102-28 76
Evaluating the highest governance body’s performance
对经济、环境、社会影响的确定和管理
G102-29 66-69
Identifying and managing economic, environmental, and social impacts
风险管理过程的有效性
G102-30 78-79
Effectiveness of risk management processes
经济、环境、社会项目的评审
G102-31 78-79
Review of economic, environmental, and social topics
最高治理机构在可持续发展报告中的职责
G102-32 70-73
Highest governance body’s role in sustainability reporting
重大忧虑事项的传达
G102-33 72-73
Communicating critical concerns
传达重大忧虑事项的性质和总数
G102-34 /
Nature and total number of critical concerns
报酬方针
G102-35 /
Remuneration policies
报酬的决定过程
G102-36 /
Process for determining remuneration
有关报酬的利益相关方的参与
G102-37 /
Stakeholders’ involvement in remuneration
年报酬总额的比例
G102-38 89
Annual total compensation ratio
年报酬总额比例的增加率
G102-39 /
Percentage increase in annual total compensation ratio
5. 利益相关方参与
Stakeholder engagement
利益相关方和团体名单
G102-40 72-73
List of stakeholder groups
集体谈判协定
G102-41 72-73
Collective bargaining agreements
利益相关方的确定及选定
G102-42 72-73
Identifying and selecting stakeholders
100
Reference Table 索引表
编号 内容 披露位置
Disclosure No. Contents Index of corresponding disclosure content
促进利益相关方参与的方法
G102-43 70-73
Approach to stakeholder engagement
提出的重要项目及忧虑
G102-44 71-73
Key topics and concerns raised
6. 报告实务
Reporting practice
合并财务报表的对象事业体
G102-45 1
Entities included in the consolidated nancial statements
报告书内容及项目适用范围的确定
G102-46 1
Dening report content and topic Boundaries
重要课题项目列表
G102-47 1
List of material topics
信息再陈述
G102-48 1
Restatements of information
报告的变更
G102-49 1
Changes in reporting
报告期限
G102-50 1
Reporting period
上次发布报告书的日期
G102-51 1
Date of most recent report
报告周期
G102-52 1
Reporting cycle
报告书相关答疑窗口
G102-53 1
Contact point for questions regarding the report
报告符合标准的声明
G102-54 1
Claims of reporting in accordance with the GRI Standards
GRI 内容索引
G102-55 98-109
GRI content index
外部保证
G102-56 /
External assurance
GRI 103：管理方法
Management Approach
重要课题项目及其适用范围的说明
G103-1 66-68
Explanation of the material topic and its Boundary
管理手法及其要素
G103-2 70-73
The management approach and its components
101
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编号 内容 披露位置
Disclosure No. Contents Index of corresponding disclosure content
管理手法评价
G103-3 74-77
Evaluation of the management approach
GRI 201：经济绩效
Economic Performance
产出和分配的直接经济价值
G201-1 89
Direct economic value generated and distributed
气候变化对财务的影响、其他风险和机遇
G201-2 78-79
Financial implications and other risks and opportunities due to climate change
确定给付型年金制度的负担及其他退职金制度
G201-3 /
Dened benet plan obligations and other retirement plans
享受的政府资金援助
G201-4 /
Financial assistance received from government
GRI 202：市场表现
Market Presence
标准新人工资与地方最低工资之比（男女）
G202-1 /
Ratios of standard entry level wage by gender compared to local minimum wage
从地方社区录用高级管理人员的比例
G202-2 /
Proportion of senior management hired from the local community
GRI 203：间接经济影响
Indirect Economic Impacts
基础设施投资及支持服务
G203-1 56-63
Infrastructure investments and services supported
显著的间接经济影响
G203-2 40-43
Signicant indirect economic impacts
GRI 204：采购惯例
Procurement Practices
对当地供应商的支出比例
G204-1 /
Proportion of spending on local suppliers
GRI 205：反腐败
Anti-corruption
开展腐败相关风险评价的事业所
G205-1 76
Operations assessed for risks related to corruption
反腐败方针和程序相关沟通和培训
G205-2 77
Communication and training about anti-corruption policies and procedures
确定的腐败案例及采取的措施
G205-3 76-77
Conrmed incidents of corruption and actions taken
102
Reference Table 索引表
编号 内容 披露位置
Disclosure No. Contents Index of corresponding disclosure content
GRI 206：反竞争行为
Anti-competitive Behavior
由于反竞争行为、反托拉斯、垄断惯例而被采取的法律措施
G206-1 74-75
Legal actions for anti-competitive behavior, anti-trust, and monopoly practices
GRI 207：税务
Taxation
税务方法
G207-1 /
Tax method
治理、管理及风险管理
G207-2 70-71、76-79
Governance, management and risk management
对有关税务的利益相关方参与和忧虑的应对措施
G207-3 76
Response to stakeholder involvement and concerns related to taxation
各国报告
G207-4 /
Reports of different countries
GRI 301：原材料
Materials
使用原材料的重量或体积
G301-1 /
Materials used by weight or volume
使用的循环再生材料
G301-2 /
Recycled input materials used
再生利用的产品和包材
G301-3 26
Reclaimed products and their packaging materials
GRI 302：能源
Energy
组织内部的能源消耗量
G302-1 22-25
Energy consumption within the organization
组织外部的能源消耗量
G302-2 22-25
Energy consumption outside of the organization
能源单耗
G302-3 22-25
Energy intensity
削减能源消耗量
G302-4 22-25
Reduction of energy consumption
削减产品及服务中的能源需要量
G302-5 22-25
Reduction in energy requirements of products and services
103
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编号 内容 披露位置
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GRI 303：水
Water
各水源的取水量
G303-1 /
Water withdrawal by source
因取水而受到显著影响的水源
G303-2 /
Water sources signicantly affected by withdrawal of water
循环再生和重复使用的水
G303-3 25
Water recycled and reused
GRI 304：生物多样性
Biodiversity
在保护地区及虽非保护地区但有高生物多样性价值的地区或其相邻地区所有、租借、
管理的事业据点
G304-1 /
Operational sites owned, leased, managed in, or adjacent to, protected areas and
areas of high biodiversity value outside protected areas
活动、产品、服务对生物多样性的显著影响
G304-2 /
Signicant impacts of activities, products, and services on biodiversity
栖息地的保护和恢复
G304-3 /
Habitats protected or restored
在事业影响地区栖息且在 IUCN 红色名录及日本国内保护物种名录之列的生物物种
G304-4 IUCN Red List species and national conservation list species with habitats in areas /
affected by operations
GRI 305：对大气的排放
Emissions
直接温室效应气体（GHG）排放量（范围 1）
G305-1 86
Direct (Scope 1) GHG emissions
间接温室效应气体（GHG）排放量（范围 2）
G305-2 86
Energy indirect (Scope 2) GHG emissions
其他间接温室效应气体（GHG）排放量（范围 3）
G305-3 /
Other indirect (Scope 3) GHG emissions
温室效应气体（GHG）排放单耗
G305-4 /
GHG emissions intensity
削减温室效应气体（GHG）排放量
G305-5 /
Reduction of GHG emissions
臭氧层破坏物质（ODS）的排放量
G305-6 /
Emissions of ozone-depleting substances (ODS)
氮氧化物（NOx）、硫氧化物（SOx）及其他主要的大气排放物
G305-7 /
Nitrogen oxides (NOX), sulfur oxides (SOX), and other signicant air emissions
104
Reference Table 索引表
编号 内容 披露位置
Disclosure No. Contents Index of corresponding disclosure content
GRI 306：废水及废弃物
Biodiversity
废水的水质及排放去向
G306-1 /
Water discharge by quality and destination
不同种类及处理方式的废弃物
G306-2 26
Waste by type and disposal method
重大泄漏
G306-3 /
Signicant spills
有害废弃物的运输
G306-4 26
Transport of hazardous waste
受废水和表面流水影响的水域
G306-5 /
Water bodies affected by water discharges and/or runoff
GRI 307：环境合规
Environmental Compliance
违反环境法规
G307-1 /
Non-compliance with environmental laws and regulations
GRI 308：供应商环境评估
Supplier Environmental Assessment
根据环境标准选定的新供应商
G308-1 26
New suppliers that were screened using environmental criteria
供应链中的环境负面影响及采取的措施
G308-2 /
Negative environmental impacts in the supply chain and actions taken
GRI 401：雇佣
Employment
员工的新录用和离职
G401-1 53
New employee hires and employee turnover
对正式职员支付、对非正式职员不予支付的补贴
G401-2 Benets provided to full-time employees that are not provided to temporary or part- 54-55
time employees
育儿假
G401-3 55
Parental leave
GRI 402：劳资关系
Labor/Management Relations
事业变更相关的最低通知期限
G402-1 /
Minimum notice periods regarding operational changes
105
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编号 内容 披露位置
Disclosure No. Contents Index of corresponding disclosure content
GRI 403：劳动安全卫生
Occupational Health and Safety
职业安全卫生管理体系
G403-1 55
Occupational safety and health management system
危险性识别、风险评价、事故调查
G403-2 /
Hazard identication, risk assessment, accident investigation
职业卫生服务
G403-3 55、63
Occupational health Service
职业安全卫生中的劳动者参与、协商、沟通
G403-4 Participation, consultation and communication of workers in occupational safety 54-55
and health
职业安全卫生相关劳动者培训
G403-5 /
Occupational safety and health related worker training
增进劳动者健康
G403-6 55
Improving workers’ health
与业务有直接关系的职业安全卫生影响的防止和缓解
G403-7 Prevention and mitigation of occupational safety and health effects directly related 55
to the business
职业安全卫生管理体系的对象劳动者
G403-8 55
The worker in occupational safety and health management system
工伤
G403-9 /
Work injury
职业病和职业健康危害
G403-10 /
Occupational diseases and occupational health hazards
GRI 404：培训教育
Occupational Health and Safety
每位员工的年平均培训时间
G404-1 /
Average hours of training per year per employee
员工技能提升方案及此后的支持方案
G404-2 53
Programs for upgrading employee skills and transition assistance programs
接受业绩与职业规划定期评审的员工比例
G404-3 Percentage of employees receiving regular performance and career development /
reviews
106
Reference Table 索引表
编号 内容 披露位置
Disclosure No. Contents Index of corresponding disclosure content
GRI 405：多样性与机会均等
Diversity and Equal Opportunity
治理机构及员工多样性
G405-1 88
Diversity of governance bodies and employees
基本工资和报酬总额的男女比
G405-2 88
Ratio of basic salary and remuneration of women to men
GRI 406：非歧视
Non-discrimination
歧视案例和采取的补救措施
G406-1 /
Incidents of discrimination and corrective actions taken
GRI 407：结社自由和集体谈判
Freedom of Association and Collective Bargaining
结社自由和集体谈判权利可能存在风险的事业所及供应商
G407-1 Operations and suppliers in which the right to freedom of association and collective /
bargaining may be at risk
GRI 408：童工
Child LaborBargaining
存在童工案例相关重大风险的事业所及供应商
G408-1 /
Operations and suppliers at signicant risk for incidents of child labor
GRI 409：强迫劳动
Forced or Compulsory Labor
存在强迫劳动案例相关重大风险的事业所及供应商
G409-1 Operations and suppliers at signicant risk for incidents of forced or compulsory /
labor
GRI 410：安保惯例
Forced or Compulsory Labor
接受人权方针和程序相关培训的保安人员
G410-1 /
Security personnel trained in human rights policies or procedures
GRI 411：原住民族权利
Rights of Indigenous Peoples
侵害原住民族权利的案例
G411-1 /
Incidents of violations involving rights of indigenous peoples
107
北京银行 2021 年 ESG 专题报告 BANK OF BEIJING Environmental, Social and Governance Report 2021
编号 内容 披露位置
Disclosure No. Contents Index of corresponding disclosure content
GRI 412：人权评估
Human Rights Assessment
人权评审和影响评价的对象事业所
G412-1 /
Operations that have been subject to human rights reviews or impact assessments
人权方针和程序相关员工培训
G412-2 /
Employee training on human rights policies or procedures
含人权条款或经过人权审查的重要投资协定与合同
G412-3 Signicant investment agreements and contracts that include human rights clauses /
or that underwent human rights screening
GRI 413：地方社区
Local Communities
参与地方社区、实施影响评价和开发方案的事业所
G413-1 Operations with local community engagement, impact assessments, and 56-58、61-62
development programs
对地方社区有严重负面影响（显在、潜在）的事业所
G413-2 Operations with signicant actual and potential negative impacts on local /
communities
GRI 414：供应商社会层面的评估
Supplier Social Assessment
按照社会标准选定的新供应商
G414-1 26
New suppliers that were screened using social criteria
供应链中的社会负面影响及采取的措施
G414-2 /
Negative social impacts in the supply chain and actions taken
GRI 415：公共政策
Public Policy
政治献金
G415-1 /
Political capital contribution
GRI 416：顾客安全卫生
Customer Health and Safety
对产品及服务类别的安全卫生影响评价
G416-1 /
Assessment of the health and safety impacts of product and service categories
产品及服务的安全卫生影响相关违规案例
G416-2 Incidents of non-compliance concerning the health and safety impacts of products /
and services
108
Reference Table 索引表
编号 内容 披露位置
Disclosure No. Contents Index of corresponding disclosure content
GRI 417：营销和贴标
Customer Health and Safety
产品及服务的信息和贴标相关要求事项
G417-1 48、50-51
Requirements for product and service information and labeling
产品及服务的信息和贴标相关违规案例
G417-2 Incidents of non-compliance concerning product and service information and /
labeling
营销与沟通相关的违规案例
G417-3 /
Incidents of non-compliance concerning marketing communications
GRI 418：客户隐私
Customer Privacy
关于侵害客户隐私及丢失客户数据的具体申诉
G418-1 Substantiated complaints concerning breaches of customer privacy and losses of 49、52
customer data
GRI 419：社会经济层面的合规
Socioeconomic Compliance
违反社会经济领域的法规
G419-1 /
Non-compliance with laws and regulations in the social and economic area
109
意见反馈表
Feedback Form
感谢您阅读《北京银行 2021 年环境、社会和治理（ESG）专题报告》，为加强与利益相关方的沟通和交流，进一步提高
北京银行履行社会责任的能力和水平，我们期望您通过填写反馈表，向我们提出宝贵的意见及建议，并选择以下任意方
式将评论反馈给我们。
Thank you for reading the “Bank of Beijing Environmental, Social and Governance Report 2021”. You are invited to complete this feedback form,
leave your valuable comments and suggestions, and provide us with the feedback through any of the below methods, so that we can strengthen
communication and exchanges with stakeholders and further improve our ability and capacity to fulfill our social responsibilities.
地址：中华人民共和国北京市西城区金融大街丙 17 号北京银行大厦
Address: Bank of Beijing Building, No. 17C, Financial Street, Xicheng District, Beijing, PRC
电话：（86）10-66223826
Phone: (86) 10-66223826
传真：（86）10-66426519
Fax: (86) 10-66426519
邮箱：snow@bankofbeijing.com.cn
Email: snow@bankofbeijing.com.cn
1. 您属于以下哪种利益相关方：
Which stakeholder group do you belong to:
政府 Government 监管机构 Regulatory Authority 股东 Shareholder 客户 Customer
员工 Employee 供应商 Supplier 合作伙伴 Partner 社区 Community
环境 Environmental 其他 Other
2. 您的所在地 ：
You are located in:
中国内地 Chinese Mainland 中国港澳台地区 Hong Kong SAR, Macao SAR, or the Taiwan region
海外 Outside of China
3. 您对本报告的总体评价：
Your overall assessment of this report is:
不好 Negative 一般 Average 较好 Positive 很好 Very Positive
110
4. 您对北京银行在环境保护方面实践的评价：
Your evaluation of Bank of Beijing’s environmental protection practices is:
不好 Negative 一般 Average 较好 Positive 很好 Very Positive
5. 您对北京银行在社会责任方面实践的评价：
Your evaluation of Bank of Beijing’s social responsibility practices is:
不好 Negative 一般 Average 较好 Positive 很好 Very Positive
6. 您对北京银行在公司治理方面实践的评价：
Your evaluation of Bank of Beijing’s corporate governance practices is:
不好 Negative 一般 Average 较好 Positive 很好 Very Positive
7. 您认为本报告披露的信息是否准确：
Do you believe that the information disclosed in this report is accurate:
否 No 一般 Somewhat 是 Yes
8. 您认为本报告披露的信息是否完整：
Do you believe that the information disclosed in this report is complete:
否 No 一般 Somewhat 是 Yes
9. 您认为本报告内容和版式是否清晰易懂：
Do you believe that the content and format of this report is clear and easy to understand:
否 No 一般 Somewhat 是 Yes
10. 您认为本报告是否能满足您的阅读需求：
Do you believe that this report meets your reading needs:
否 No 一般 Somewhat 是 Yes
11. 您对改善和提高北京银行践行 ESG 发展理念和本报告的其他意见和建议：
Other comments and suggestions on improving and enhancing Bank of Beijing’s ESG development philosophy and this report:
111
To build an exemplary,
unique and respected bank
北京银行 伴您一生
Bank of Beijing, Your Lifetime Bank
北京银行股份有限公司
BANK OF BEIJING CO., LTD.
中国北京市西城区金融大街丙 17 号 邮编 100033
No.17C Financial Street, Xicheng District, Beijing, P.R.China 100033
办 公 电 话 / Tel:86-10-66426500
客 服 电 话 / Call Center:95526
传 真 / Fax:86-10-66426519
投资者热线 / Tel:86-10-66223826
www.bankofbeijing.com.cn
本报告采用环保纸张印刷
This report is printed on 100% recycled paper
