The brand-new Zhengzhou Commercial Bank, first of all, is to strengthen the first-class legal person system, continuously improve the level of corporate governance, and form a check and balance system of decision-making, supervision and implementation composed of shareholders' meeting, board of directors, board of supervisors and senior management. Then, solve the problem of "ideology" of the whole bank, establish the development concept and build the corporate culture: in July of 20001year, Zhengzhou Commercial Bank held a swearing-in mobilization meeting, and put forward the "four orientations" and "six spirits" for the first time, namely, "people-oriented, customer-oriented, service-oriented and reputation-oriented" and "six spirits", namely, seeking truth and being pragmatic. Then, the bank summed up and formed "five consciousnesses" and "five styles" in its own business life, and formed its own distinctive corporate culture system with "innovation culture, speed culture, execution culture, learning culture, service culture, risk culture and clean government culture".
In 2005, based on the successful implementation of the three-year development plan, Zhengzhou Commercial Bank further scientifically formulated a five-year strategic plan, clearly stating that "by the end of 2065, Zhengzhou Commercial Bank will strive to have assets exceeding 52 billion yuan, deposits exceeding 43 billion yuan, loans exceeding 25.2 billion yuan, and accumulated profits exceeding 2.9 billion yuan, so as to build Zhengzhou Commercial Bank into a bank satisfactory to the government. Target.
In 2006, 2007 and 2008, Zhengzhou Commercial Bank carried out a series of drastic reforms under the guidance of the five-year strategic plan. Accelerate the pace of capital reorganization and strategic investment introduction, actively introduce ISO900 1:2000: 2000 quality management system, establish salary performance appraisal system, economic capital management system and corporate culture system, and define "entering the community, taking the market, creating characteristics, building quality products", "big characteristics of commercial banks, small characteristics of branches" and "doing small and fine first, then becoming bigger and stronger"
At the beginning of 2009, Zhengzhou Commercial Bank took the opportunity of "the regulatory rating jumped directly from level 5 to level 3, and it was qualified to change its name to cross-regional development", and held a mobilization meeting to sing the main theme of development, which clarified the development vision of "taking root in Zhengzhou, based on the Central Plains, radiating the whole country" and the three-step strategy of "renaming and relocating, setting up branches in different places, and planning for listing", which pointed out the direction for the employees of the whole bank. Zhengzhou Commercial Bank has changed the extensive management that pursues speed and quantity to the refined management that pursues quality and benefit, and implemented a comprehensive management model characterized by "accuracy, fineness, depth and accuracy", which decomposes, refines and implements the management objectives, ensures the omnipresence and omnipresence of management, and improves the overall execution of the whole bank. Realize the transformation to a real "good bank".
Excellent enterprises cannot do without scientific management. Over the years, Bank of Zhengzhou has continuously improved its corporate governance and scientific management level. According to the relevant requirements of CBRC, Bank of Zhengzhou has continuously improved its corporate governance structure in terms of organizational structure, responsibility boundary, decision-making rules and procedures, incentive and restraint mechanism, information disclosure and transparency, and social responsibility. Improve the special committees of the board of directors and the board of supervisors, introduce independent directors and external supervisors, initially form effective checks and balances among decision-making, implementation and supervision institutions, and consolidate the cornerstone of standardized development and scientific development. Through an effective legal person structure, on the basis of clarifying the rights and responsibilities of "three meetings and one floor", the decision-making efficiency is improved, the operating cost is saved, and the healthy development of enterprises is guaranteed. At the same time, the board of directors gave full play to its role, and with the guidance and support of local governments and regulatory authorities, it made a strong attack and completed the restructuring work in an all-round way, and the level of supervision improved year by year.
In order to fully integrate with international standards and improve the quality and internal control management level, Zhengzhou Commercial Bank introduced ISO900 1:2000: 2000 international standard system for quality management for the first time in the province in 2006, and passed BSI certification. The system defines the management policy of "compliance with the law, customer first, meticulous process, continuous innovation, strict risk control and winning by speed", and actively builds a customer-centered and market-oriented business management process. After three years of continuous and effective operation, the bank's management objectives are clearer, stricter and more systematic, the supervision mechanism is more sound and effective, the service is more intimate and high-quality, and the work efficiency is comprehensively improved. At the same time, Bank of Zhengzhou also established the concept of total assets and comprehensive risk management, and improved the internal control and supervision system; Adjust the organizational structure and separate the credit work before, during and after; Upgrade the credit management system, effectively use the risk information management system to detect, report and warn the quality of credit assets, and enhance the ability of scientific and technological means to prevent and control risks; Strengthen the ideological and moral construction and work style construction of the team, carry out in-depth work such as special case handling, anti-commercial bribery and building a clean and honest party style, and make every effort to further improve the internal control system and risk control capabilities of the whole bank.
In 2002, in order to better implement the management policy of the headquarters, the bank fully implemented the flat management model, canceled branches and savings offices and replaced them with "good" branches with certain resources. At the same time, we have drastically integrated institutions, continuously streamlined bloated institutions, implemented the system of institutional upgrading and demotion, merged extensive and inefficient business outlets, and created comprehensive and intensive outlets, which effectively mobilized the enthusiasm of branch staff. At present, Zhengzhou Commercial Bank has been streamlined from more than 100 to 62 now. In 2008, combined with the actual development needs, Zhengzhou Commercial Bank continued to revise the flat management and carried out pilot projects for banks within its jurisdiction, which effectively solved the problem of excessive management radius of its headquarters and further improved management efficiency.
Management ultimately solves the problem of people. In order to realize the dynamic matching between personnel quality and development needs, Bank of Zhengzhou adheres to the strategy of "talents are forced back", strengthens human resources development, comprehensively reforms the performance appraisal system, promotes and improves the "five-five classification" assessment of all positions in the bank, so as to set salaries and responsibilities, strengthen execution, team building and internal control construction, and pay equal attention to management and performance; Establish a benign employment mechanism, continuously introduce high-quality talents and enhance the ability of sustainable development. In addition, Bank of Zhengzhou improves the overall quality of the team through all-staff training, and deepens the internal trainer system and MBA learning mechanism. From 2006 to 2009, organized more than 200 management elites and business elites to participate in MBA training; Organize 180 training courses in different categories, levels and batches, with a total of 13800 person-times, so as to comprehensively improve the overall quality of employees; In order to strengthen training assessment, we should combine training with qualification, reward and punishment, promotion, establish training files and talent pool, and provide talent reserve for the sustainable development of the firm. Since 2005, the bank has recruited outstanding college students from all over the country every year. In the past four years, a total of 34 undergraduates1person were introduced, including 30 masters, which stood out from more than 30,000 applicants. Up to now, the bank has 867 people with bachelor degree or above, accounting for 60% of the total number, an increase of nearly 50% compared with the beginning of its establishment. Zhengzhou Commercial Bank provides systematic business and skill training for new employees, and at the same time makes career plans for college students, providing them with a development platform and improving the overall quality of employees in the bank. Faced with the increasingly homogeneous and fierce competition in Zhengzhou's financial industry, Zhengzhou Commercial Bank insists on doing something, making full use of its strengths and avoiding weaknesses, doing its best, choosing differentiated development strategies, and opening up its own world in the powerful financial market in the Central Plains.
In terms of development strategy, Zhengzhou Commercial Bank fully combines the geographical location, resource allocation, customer structure and other characteristics of each branch, focusing on it, making it a small feature of the branch. At present, two-thirds of the branches of Zhengzhou Commercial Bank have their own characteristics, such as second-hand housing loans, financial subsidies for interest tax business, "one-stop" service of the Municipal Housing Authority, universal medical insurance and new rural cooperative medical system projects, payment for village-in-city demolition, logistics cooperation, micro-loans and so on. This has become the brand of commercial banks.
Zhengzhou Commercial Bank focuses on developing personal banking business and small business loan business according to its geographical and resource advantages. On the one hand, strengthen economic capital management, increase the assessment of capital occupancy rate and return on capital, advocate green credit, and guide branches to actively carry out microfinance business and retail business; On the other hand, make clear the characteristic development direction of "entering the community and taking the market" and the network construction plan of "gradually taking root in the community and two-thirds of the market outlets", guide employees to establish the consciousness of "being willing to be small" and "being brave in being small" and actively carry out community and market research.
In 2006, the bank established the first small business credit department in the province, established a green channel for small business loans, and developed a series of products such as merchant joint guarantee, May 1 loan, patent pledge, shop mortgage and industrial chain guarantee. It broke the bottleneck of financing difficulties for small enterprises and individual industrial and commercial households due to lack of guarantee conditions and imperfect financial system, and made them famous in many fields such as clothing, logistics, science and technology. By the end of 2008, the balance of small business loans and personal loans in Zhengzhou City Commercial Bank was 2.856 billion yuan, and the comprehensive interest rate of small business and personal loans reached 99.7%, and the number of small business and personal loans accounted for 96.4% of the bank's total. In 2009, the bank reformed the system of the small business credit department, established the first small business finance department in the province, and established an independent accounting entity with unified powers and responsibilities, specializing in the development of the bank's small business financing business. The Division has a marketing center and a team of experts to serve the professional market and professional groups. By the end of 2009 1 1, the balance of small business loans and personal loans reached 3.65 billion yuan, and the accumulated loans reached 9 billion yuan, with a comprehensive interest rate of 99.67%. They are constantly establishing the dominant position of small business loans in the province.
Zhengzhou Commercial Bank, as a citizen bank, has continuously introduced various special products to meet the needs of residents' entrepreneurship, consumption and life. In terms of personal loan products, Zhengzhou Commercial Bank launched the "Lean Home" housing loan series to provide financial support for ordinary people to buy houses and decorate. Leshang loan provides convenience for more people to start businesses. At the same time, Zhengzhou Commercial Bank also launched the Alipay service from various remittance services closely related to the lives of ordinary citizens, which truly realized one-stop payment of water, electricity, gas, Netcom telephone, mobile phone, Unicom telephone, cable TV, administrative fees and land tax. It has become the bank with the largest basic life agency business and the most complete projects in the province.
Wang Tianyu, president of Zhengzhou Commercial Bank, said: "Taking the road of personalized service and attracting customers with special products and services is a breakthrough for us to enhance market competitiveness." As far as the financial industry is concerned, on the one hand, personalized service is manifested in product provision, that is, financial products that meet different needs are "tailored" for each type or type of customers; On the other hand, it is also reflected in the service level and quality, that is, the same financial products and services, the firm should be "faster, better and safer."
Zhengzhou Commercial Bank gives full play to the advantages of being familiar with Zhengzhou local market and flexible mechanism, takes root in the local market, adapts to local conditions, does a good job in characteristic operation, operates steadily, does not seek for big, but strives for perfection and strength. While shaping the local characteristics of its branches, Zhengzhou Commercial Bank also positioned its own "characteristics" and core products, that is, building local "citizen banks" and "small enterprise banks".
After ten years of development, Zhengzhou Commercial Bank has finally honed into a dazzling "boutique bank" sword, finally broke the barriers of fierce competition and how the banking industry develops, and embarked on a road of characteristic development, becoming one of the characteristic boutique banks and expert banks in Zhengzhou market. Today, the characteristic operation of Zhengzhou Commercial Bank has created a miracle that a problem bank becomes a good bank, which is the result of implementing the differentiated development strategy. In 2008, Zhengzhou's GDP revenue reached 300.4 billion yuan. Behind the rapid growth of this group of figures, a large number of small and medium-sized enterprises and private economy have contributed. As a financial institution that grew up in Zhengzhou, Zhengzhou Commercial Bank actively played its own financing advantages, supported Zhengzhou's local economic construction with practical actions, and achieved the same growth as the local economy.
Data show that from 2000 to the end of 2009, Zhengzhou Commercial Bank has invested a total of 52 billion yuan in loans, which has strongly supported urban infrastructure construction, local financial projects, science, education, culture and health undertakings and the construction of outstanding private enterprises. Many urban constructions in Zhengzhou have been labeled as "commercial banks": for example, the widening of urban roads, the construction of expressway, the construction of expressway around the city, the reconstruction of East-West Street, the construction of Zhengdong New District and the reconstruction of water supply network.
Over the years, Zhengzhou Commercial Bank has always been based on the advantages of local brands, giving full play to the advantages of first-class corporate banks' responsiveness, rapid decision-making, innovation and high efficiency, and providing comprehensive financial supporting services and diversified financial products for traditional industries, excellent growth enterprises and high-quality mature markets in Zhengzhou with brand-new service concepts and methods, so as to promote the sound and rapid development of local economy.
As a local bank, Zhengzhou Commercial Bank has always been adhering to the tenet of "local banks serve local areas and citizen banks serve citizens", and has the courage to undertake the responsibility of local economic construction and improving the quality of life of citizens. Support local economic construction with practical actions. In addition to private economy and small and medium-sized enterprises enjoying financial support from Zhengzhou Commercial Bank, Zhengzhou Commercial Bank has also participated in the growth and development of some excellent local large and medium-sized state-owned enterprises and private enterprises, such as China Changlai, Zhengzhou Gas Group, Zhulin Zhongsheng and Missing Group. Zhengzhou Commercial Bank's moderate investment in capital has promoted the growth of a series of well-known brands.
In 2008-2009, in response to the economic cold current, Zhengzhou Commercial Bank fully supported local economic development and urban construction, with a loan of 22.4 billion yuan for two years. Zhengzhou Commercial Bank said that under the special situation and background, it emphasized the local responsibility of local banks, helped enterprises that met the national industrial policies, strengthened cooperation and communication, resolutely supported projects that were beneficial to the national economy and people's livelihood, and promised to withdraw funds unilaterally to ensure the healthy operation of enterprises.
Achievement comes from responsibility, and responsibility makes hope. It is precisely because of the responsibility of being a good corporate citizen that Zhengzhou Commercial Bank has won the trust of its customers. As a local bank, Zhengzhou Commercial Bank has actively participated in social welfare undertakings for many years, bravely shouldering social responsibilities and repaying the society.
The data proves everything: June 65438+1 October 65438+June 2008, the first charity day in Zhengzhou, Zhengzhou City Commercial Bank made a one-time donation of110,000 yuan, becoming a "big donor". In 2009, Zhengzhou Commercial Bank made another donation of 1.3 million yuan on charity day; On May 12, 2008, after the Sichuan earthquake, the bank donated 500,000 yuan to support the rescue and reconstruction in the disaster area, and the bank employees also donated 520,000 yuan spontaneously. In addition, the bank also donated money to build a primary school with all hope, and promoted the "doll learning to manage money" project with the education system; Actively go to the countryside to help the poor, help poor rural areas build roads and become rich, and establish a scientific and technological training network. Zhengzhou Commercial Bank has also made a lot of contributions in ensuring the quality of life of citizens, such as participating in the "meat, eggs and poultry reserve project" during the SARS period in 2003.
At the same time, the bank also strongly supports local re-employment projects, helps socially disadvantaged groups and builds a harmonious society. Up to now, a total of 659 loans for laid-off workers have been issued/kloc-0, with a total amount of 260 million yuan. In 2007 and 2008, most of the winners got the support of Zhengzhou Commercial Bank after they were laid off, and realized their dream of creating wealth. What I really get is the high recognition of Zhengzhou Commercial Bank by the society and citizens. The bank has successively won the titles of "China's most socially responsible small and medium-sized bank", "China's best logistics bank", "China's civilized and standardized banking service demonstration unit", "Henan's most respected financial service institution", "Henan's most growing 100 benchmark enterprise", "Henan 100 brand" and "State-owned enterprise with outstanding contributions in the 30th anniversary of reform and opening up". The titles of "the best citizen bank in Central Plains" and "the most socially responsible bank in Central Plains" are affectionately called "citizen bank", "small enterprise bank" and "Zhengzhou people's own bank" by the masses.
As the largest and most powerful local banking institution in Henan Province, Bank of Zhengzhou focuses on small and micro areas, serves the real economy, and adheres to the road of distinctive and differentiated development. In 20 13, it was rated as "advanced financial service unit for small and micro enterprises in banking financial institutions" by China Banking Regulatory Commission and "advanced financial service unit for small and micro enterprises" by Henan Banking Regulatory Bureau. In 20 12, it won two awards, namely "the most growing small and medium-sized bank of the year" and "the best small and micro enterprise serving small and medium-sized banks of the year", and the "20 12 Golden Dragon Award for China financial institutions" organized by the Institute of Finance of China Academy of Social Sciences and the "National Advanced Unit of Corporate Culture in Financial System" awarded by the China Financial Research Association. With the change of macro-economic and financial environment and the formation of all-round opening pattern of banking industry, the rapid development of financial market and the intensification of banking competition, the situation of city commercial banks facing many difficulties and problems will be even more difficult. The original development model of city commercial banks will be unsustainable, and the transformation of city commercial banks into regional commercial banks will become an inevitable trend. Zhengzhou City Commercial Bank made timely strategic adjustments, chose the road of reform and expanded its living space.
On July 22nd, 2009, Xinzheng Sub-branch of Zhengzhou City Commercial Bank officially opened. In Zhengzhou, where there are many financial institutions, this seemingly insignificant small branch has made great contributions to the development history of Zhengzhou commercial banks and even Zhengzhou financial industry. "Zhengzhou Commercial Bank has taken the first step to enter cities (counties) outside Zhengzhou", which has become an unforgettable memory of all Zhengzhou commercial banks. On September 16, Gongyi Sub-branch opened, which indicates that the bank will achieve full coverage of surrounding counties in the near future. It is reported that the first village bank controlled by the bank will also be unveiled in the near future, which is the result of its efforts to set foot in establishing a rural financial service model. "On 20 10, we will open outlets in provinces and cities, and then we will also see our presence in financial markets in Wuhan and Shijiazhuang," Bank of Zhengzhou staff told reporters.
2009 is a year of development, development and pride for Zhengzhou Commercial Bank. At the same time, this year is also destined to become an indelible milestone in the development history of Zhengzhou Commercial Bank: in the past ten years, Zhengzhou Commercial Bank's asset scale has grown from small to large, its asset quality has improved from poor to good, its management level has improved from low to high, its profitability has improved from weak to strong, its regulatory rating has improved, and its dazzling achievements have all bloomed in an instant. Let this bank have the opportunity to stand on a better and higher development platform and turn to "Bank of Zhengzhou" at the coming moment of 20 10, and realize cross-regional development and strategic investment plan listing at a new starting point.
"In the past and in the future, we have been working towards a goal, that is, to become an excellent local financial institution with good operating performance and high service quality in the Central Plains. In the future, Bank of Zhengzhou will be a regional joint-stock commercial bank with reasonable layout, complete functions and distinctive features. We will actively introduce high-quality strategic investors, attract foreign investment and talents, integrate advanced concepts into operation and management, build a real "good bank" and test our talents and abilities on the national stage. Bank of Zhengzhou will, as always, shoulder the social responsibility of protecting depositors and building the local economy, shoulder the fiduciary responsibility of safeguarding the interests of all shareholders and the entrepreneurial responsibility of leading all employees to achieve their careers, be a good steward of citizens' lives, a good partner for the growth of small and medium-sized enterprises, and a good support for local economic construction. " In the interview, President Wang Tianyu summed up the future like this.
Facing the new situation and tasks, President Wang Tianyu pointed out that Bank of Zhengzhou will stick to the road of "steady operation and sustainable development", focus on cultivating its core competitiveness and lay a good foundation for its long-term development in the future. "Bank of Zhengzhou's first task is to successfully implement the brand-new three-year development plan. It is estimated that in 20 12, the assets of the Bank will reach 85 billion yuan, the balance of deposits will reach 70 billion yuan, the balance of loans will reach 42 billion yuan, the capital adequacy ratio will reach more than 12%, the provision coverage ratio will reach more than 160%, and the non-performing loan ratio will be controlled within 2%. Wang Tianyu said.
Today, in this hot land of the Central Plains, Zhengzhou Commercial Bank, which has undergone the baptism of reform, is thriving with the future of Zhengzhou. ...
At present, Bank of Zhengzhou has formulated a new five-year strategic development plan, and accelerated the pace of introducing strategic investors, striving for 20 15, so that the asset scale will reach more than 200 billion yuan, and the deposit scale will reach more than15 billion yuan, ranking among the top 20 city commercial banks in China. By then, Bank of Zhengzhou's cross-regional development capability will be further enhanced, and the connotation of financial services will be further enriched. It has become a regional joint-stock commercial bank with advanced system, scientific mechanism, distinctive features, reasonable layout and perfect functions.