Jiangsu Zijin Rural Commercial Bank CO.,LTD.(jiang su zi jin nong cun shang ye yin hang gu fen you xian gong si )

Jiangsu Zijin Rural Commercial Bank Co., Ltd

Jiangsu Zijin Rural Commercial Bank Co., Ltd. (hereinafter referred to as Zijin Rural Commercial Bank) is established with the approval of China Banking Regulatory Commission. It is composed of four original rural small and medium-sized financial institutions (Nanjing Urban Rural Credit Cooperative Association, Nanjing Jiangning rural credit cooperative association, Nanjing Pukou rural credit cooperative association, Nanjing Liuhe Rural Credit Cooperative Association) It is a joint-stock rural commercial bank established in accordance with the principle of marketization.

Jiangsu Zijin Rural Commercial Bank Co., Ltd. held the founding meeting and the first general meeting of shareholders on December 26, 2010, and officially opened on March 28, 2011.

By the end of 2011, Jiangsu Zijin Rural Commercial Bank Co., Ltd. had a registered capital of 2 billion yuan, total assets of 59.3 billion yuan, 122 business outlets and more than 1800 employees, forming a standardized and perfect financial service network in Nanjing.

Company profile

——Deepen reform and lay a solid foundation. Since its establishment, Zijin rural commercial bank, relying on authorized management and hierarchical operation, has straightened out the responsibility boundaries of governance subjects, established a corporate governance framework with "three meetings and one layer" performing their respective duties, cooperating with each other, and checking each other; within the framework of "head office - Primary sub branches - Secondary sub branches - sub branches", it has straightened out the relationship between head office and sub branches at all levels, and played a role of "management, guidance, coordination" of head office We should vigorously introduce all kinds of talents, optimize the knowledge structure of employees, establish a talent training linkage mechanism, start the management trainee plan, and gradually improve the employment mechanism.

——Adhere to positioning and optimize development. Based on the market orientation of "serving agriculture, rural areas and farmers, serving small and medium-sized enterprises, and serving urban and rural areas", Zijin rural commercial bank has deeply cultivated the rural market, focused on supporting small and medium-sized enterprises and individual businesses with development potential, scientific and technological innovation, resource-saving, etc., and inclined the limited credit scale to "agriculture, rural areas and farmers" and small and medium-sized enterprises. By the end of 2011, the balance of agriculture related loans of the whole bank was 12.88 billion yuan, more than 81% of the loans were invested in small and medium-sized enterprises, and the degree of support and contribution to "agriculture, rural areas and farmers" and small and medium-sized enterprises were in the lead in Nanjing.

——Attach importance to culture and create harmony. Zijin rural commercial bank, in accordance with the requirements of "high standard, high level and high grade", unifies its brand image, strengthens its publicity work, forms a three-dimensional publicity system for outdoor, newspaper, radio and television, adheres to the core value concept of "sharing and growing together", gradually improves the salary system, increases the income of employees, strengthens the assistance work for employees in difficulties, cares about the life of retired employees, and creates a harmonious and concentric environment Atmosphere; carry out the love activities of dream university, do a good job in the distribution of all agricultural subsidies within the jurisdiction, and realize the harmonious social relationship in the performance of social responsibility. The excellent market performance and responsible social image have won the praise and recognition from all walks of life, and successively won the honorary titles of "the best Huinong commercial bank", "the best livelihood finance Huinong bank" and "the most socially responsible enterprise".

branch

By the end of 2013, the bank had 9 primary branches and 122 business outlets, which were widely distributed in Nanjing City, Jiangning District, Liuhe District and Pukou District, with more than 2000 employees, forming a standardized and perfect financial service network in Nanjing city.

On April 26, 2012, Fujian Road sub branch of Jiangsu Zijin Rural Commercial Bank Co., Ltd. officially opened for trial operation.

Leader's speech

2011 is the first year of Zijin rural commercial bank's reform and development. Over the past year, with the cordial concern of leaders at all levels, the strong support from all walks of life, and the joint efforts of 1800 employees in the bank, we have achieved "orderly reform, steady development, smooth transition, and enhanced image" on the whole.

Here, on behalf of Zijin rural commercial bank, I would like to express my heartfelt thanks and high respect! In 2011, Zijin rural commercial bank adhered to the core value concept of "sharing and growing together", based on the market positioning of "serving agriculture, rural areas and farmers, serving small and medium-sized enterprises, and serving urban and rural areas", deepened the reform, solved the problems, worked together to overcome the difficulties, established the direction in exploring the system reform, developed itself in promoting the process of urban-rural integration, and built a harmonious bank in fulfilling the social responsibility.

By the end of 2011, the bank's deposit balance was 53.047 billion yuan, and the loan balance was 32.13 billion yuan, ranking the second and fourth in the province respectively; the non-performing loan ratio was 1.84%, the capital adequacy ratio was 13.43%, the provision coverage rate was 269%, and the risk resistance was significantly enhanced. The degree of support and contribution to "agriculture, rural areas and farmers" and small and medium-sized enterprises have remained the city's leading. In 2011, Zijin rural commercial bank won three awards, namely "the best Huinong commercial bank", "the best livelihood finance Huinong bank" and "the most socially responsible enterprise". Its value creativity and core competitiveness have been continuously improved. 2012 is a key year for the transformation and development of Zijin rural commercial bank, and we will unswervingly adhere to it Under the guidance of "strategic transformation, risk control first, innovation driven, talent guarantee, science and technology support, and strong implementation", we will make every effort to promote the transformation to a modern commercial bank, and meticulously build a bank that is satisfied with the society, trusted by the people, and proud of employees. A hundred boats contend for the current, a thousand sails cross, bravely set up the tide to write a new chapter. We firmly believe that with the concern of leaders at all levels, the strong support of friends from all walks of life and the joint efforts of all employees, Zijin rural commercial bank will make new contributions to local economic and social development with the new achievements of reform and innovation, new progress of strategic transformation and new achievements of sustainable development!

Party secretary

As time goes by, we welcome the first anniversary of Zijin bank. After half a century of ups and downs, Zijin bank has experienced great changes from small to large, from weak to strong. From its opening to one year of reform and development practice, Zijin bank marks that the deepening reform of small and medium-sized rural financial institutions in Nanjing has achieved substantive results, and is striding forward in the process of reform and development with full enthusiasm. Over the past year, as a new generation of Zijin people, adhering to the scientific outlook on development, seeking truth and pragmatism, pioneering and innovating, based on a new starting point, realizing a new leap forward, we have achieved the happy results of both system reform and business management. We thank the correct leadership of the Provincial Association, the concern and support of the municipal Party committee, the municipal government and relevant departments, and the people's Bank of China Thanks for the trust and love from all walks of life and the general public, as well as the unremitting efforts and selfless dedication of the cadres and staff of the bank.

In the past year, we have integrated people, heart and wisdom, created a good environment for reform and development with harmonious corporate culture on the road of scientific development, further standardized management and laid a solid foundation; in the course of reform and innovation, we have actively fulfilled our social responsibility, promoted the development of local economy, and further strived to advance, enhance strength, and successfully completed the reform We have accomplished all the objectives and tasks of the year and presented a proud and gratifying gift for the anniversary of the bank. To take root in the fertile soil of the ancient capital, we must develop with Nanjing and make progress with the times. We will firmly establish the concept of finance serving local economic development, and better "serve agriculture, rural areas and farmers", serve small and medium-sized enterprises, and serve urban and rural areas ", so as to write a new chapter and create new brilliance for the leap forward development of economy and society.

Risk control management

Spring is blowing in Jinling and Zijin is shining. We are full of joy to welcome Zijin rural commercial bank's first birthday. Looking back, in the past year, Zijin rural commercial bank, under the complicated and changeable economic and financial situation, conscientiously implemented the requirements of the regulatory authorities and the board of directors, vigorously deepened the reform, deeply transformed and integrated, promoted business development, strengthened risk prevention and control, and built a solid foundation for business management in its founding year. By the end of 2011, the bank's deposit balance was 53.047 billion yuan, an increase of 10.003 billion yuan over the beginning of the year, and the loan balance was 32.13 billion yuan, an increase of 4.662 billion yuan over the beginning of the year.

——Deepening reform and integration. Adhering to the business orientation of "serving agriculture, rural areas and farmers", "serving small and medium-sized enterprises" and "serving urban and rural areas", taking the development strategy as the starting point, we should unify our thinking, work hard and communicate in depth, speed up the process of assets reorganization, personnel merger, organization re establishment and business integration, and realize the overall coordinated development of the whole bank. -- enhance the overall strength. We should actively carry out the labor competition activities of "walking through thousands of households, visiting thousands of households, providing services, and helping agriculture, rural areas, and farmers", comprehensively promote the marketing strategy of "three kilometer operation", promote "three simultaneous developments", realize "three turns", form "three patterns", carry out comprehensive marketing such as professional market, open Zijin express payment, integrate service outlets all over urban and rural areas, and expand financial coverage. -- improve the quality of transportation and management. Deeply cultivate the urban and rural markets, focus on supporting small and medium-sized enterprises and individual businesses with development potential, scientific and technological innovation, resource-saving, etc.; carry out credit customer classification and rating, promote risk classification, risk reporting and risk inspection; carry out non-performing loan litigation, execution timeliness inspection and debt repayment assets inspection, and fully cover the risk investigation of large non-performing loans.

——Strengthen internal management. Deepen the construction of management and control system, promote the construction of "compliance management year" by strengthening system construction, comprehensive financial management, business risk control and other measures, formulate "five one" system for the president, promote "three rectification" work, give full play to the supporting role of science and technology in financial innovation, operation management and risk control, and improve the management efficiency of the whole bank. It's not easy to achieve such excellent results in the year of its establishment. This is the result of more than 1800 employees' hard work and the strong support of customers, investors and all walks of life. Here, on behalf of

Chinese PinYin : Jiang Su Zi Jin Nong Cun Shang Ye Yin Hang Gu Fen You Xian Gong Si