CHINA MERCHANTS BANK CO., LTD.(zhao shang yin hang gu fen you xian gong si )

China Merchants Bank Company Limited

China Merchants Bank Co., Ltd. was founded in 1987 in Shekou, Shenzhen, the forefront of China's reform and opening up. It is the first joint-stock commercial bank wholly owned by enterprise legal person in China, and also the first pilot bank to promote banking reform outside the system.

On September 1, 2019, the list of top 500 Chinese service enterprises in 2019 was released in Jinan, and China Merchants Bank Co., Ltd. ranked 25th.

Enterprise introduction

China Merchants Bank is the first joint-stock commercial bank wholly held by corporate in China. It was founded by Hong Kong Merchants Group Co., Ltd. on April 8, 1987. It is the sixth largest bank in mainland China and one of the eight banks and five guarantees of Chinese financial stocks in Hong Kong.

In the 26 years since its establishment, with the rapid growth of China's economy and the support of customers and all walks of life, CMB has developed from a small bank with only 100 million yuan of capital, one business outlet and more than 30 employees to a national joint-stock commercial bank with more than 250 billion net capital, more than 3.4 trillion total assets, more than 800 outlets and more than 50000 employees Among the top 100 banks in the world.

With continuous financial innovation, high-quality customer service, stable business style and good business performance, CMB has developed into one of the most influential commercial banks in China. In the CBRC's comprehensive rating of commercial banks, China Merchants Bank has been at the top for many years. At the same time, it has won many awards of "the best commercial bank", "the best retail bank", "the best private bank in China" and "the best professional custody bank in China" from the financial times, Eurocurrency, Asian Banker, the asset and other authoritative media. It ranks 498 in the "2012 world's largest 500 companies" list published by Fortune magazine in the United States, and 56th in the world's top 1000 banks list published by Banker magazine in the United Kingdom in 2011. With a brand value of US $6.8 billion, the company ranks 14th in brandz's 2012 most valuable Chinese brand list released by Millward Brown.

At present, China Merchants Bank has 99 branches and 853 branches in more than 110 Chinese mainland city, 2 branch level franchise agencies (Credit Card Center and small business credit center), 1 representative offices, 2. There are 174 self-service banks, one wholly-owned subsidiary - Zhaoyin leasing; in Hong Kong, there are Yonglong bank, Zhaoyin international and other subsidiaries, and one branch (Hong Kong Branch); in the United States, there are New York branches and representative offices; in London and Taipei, there are representative offices. In 2012, the group realized a net profit of 45.273 billion yuan, an increase of 25.31% over the previous year.

CMB regards "service, innovation and steadiness" as its core values, adheres to the coordinated development of efficiency, quality, scale and structure, and gradually stands out among domestic peers. In corporate governance, the ownership and management rights were separated from each other at the beginning, and a modern corporate governance structure with clear division of labor and mutual checks and balances among the board of directors, the board of supervisors and the management team was established earlier. In terms of personnel management, it took the lead in breaking the "three iron" system of "iron rice bowl, iron chair, iron salary" which was prevalent in domestic enterprises at that time, and implemented the "six ability" mechanism of "personnel can enter and leave, cadres can go up and down, and treatment can be high energy and low energy". In terms of informatization, the bank has built a unified IT platform for the whole bank, established the first telephone bank in China, and earlier realized the universal deposit and withdrawal of customers' funds and zero in transit remittance. In product development, many innovative business products of CMB have obvious market competitive advantages. All in one card is the first bank debit card based on customer number management in China. At present, there are more than 65 million cards issued, and the average deposit of the card exceeds 10000 yuan, far exceeding the national average level. It is known as one of the most favorite bank cards of customers. Relying on the business development mode of "cement + mouse + thumb" mobile Internet era, CMB pioneers the concept of mobile financial life portal in China, and puts forward some suggestions“ The mobile banking design concept of "one stop open platform for mobile financial life" has introduced mobile wallets with full terminal mode and SIM card mode. The download volume of mobile banking and iPad banking ranks in the forefront of the industry, maintaining the industry-leading customer experience. In 2012, the comprehensive counter replacement rate of CMB's retail electronic channel reached 90.66%, and the online business banking transaction settlement replacement rate reached 88.47%; the credit card is the first dual currency credit card in line with international standards in China, with more than 44 million cards issued at present, which has been written as an MBA teaching case by Harvard University; golden sunflower wealth management is the first wealth management product for high-end customers in China, and enjoys a high reputation among high-end customers It has a high reputation; private banking service is first introduced in domestic joint-stock banks, and has been repeatedly rated as "China's best private bank" by authoritative media at home and abroad; cross bank cash management is the first in the domestic industry, and has become the first choice for large enterprise groups in fund management. In addition, personal savings deposits, personal consumer loans, asset custody, enterprise annuity, offshore finance and other businesses are in the leading position in joint-stock banks. CMB's risk management has been praised by the industry, and its asset quality has always maintained a good level. As of December 31, 2012, the non-performing loan ratio of the company was 0.65%, and the non-performing loan provision coverage ratio was 352.47%.

At the turn of the century, under the leadership of Dr. Ma Weihua, President and CEO of China Merchants Bank, on the basis of properly handling the serious liquidity risk of offshore assets business being stopped, individual branches being squeezed, and the accumulated non-performing assets risk in the early rapid development, China Merchants Bank has seized the opportunity of informatization and globalization, formulated and successfully implemented the scientific strategy prospectively I'm not sure. First of all, we should take advantage of the favorable opportunity that banks of all sizes, new and old are in the same line in front of the Internet to vigorously develop electronic channels such as online banking, telephone banking, mobile banking and self-service banking, effectively make up for the obvious disadvantage that physical outlets are inferior to large banks, and lock in a large number of high-quality and high-value customers. Secondly, they were listed in Shanghai and Hong Kong in 2002 and 2006 respectively, which not only met the rapid development of capital demand, but also promoted the transformation of internal management. The third is to actively and steadily promote the international development. With the strong promotion of the Chinese government, through hard work, the United States broke the blockade on the market access of Chinese banks in the past 17 years. It took the lead in setting up a branch in New York and officially opened in October 2008, the most serious financial crisis. It was compared to "the spring breeze in the winter of Wall Street" by the mayor of New York, Mr With more than 30 billion Hong Kong dollars, it acquired Wing Lung Bank, the fourth largest bank in Hong Kong with a history of 75 years. After the integration, it began to achieve good synergy effect, which was commented as "an unrepeatable case" by the financial times.

In 2004, CMB took the lead in implementing the business strategy adjustment among the domestic counterparts, accelerating the development of retail business, intermediary business and small and medium-sized enterprise business, and gradually formed a business structure and operating characteristics different from those of the domestic counterparts. At present, CMB is entering a new stage of strategic development. In order to effectively cope with various changes from the internal and external business environment and continuously enhance its competitive advantage, CMB will, on the basis of deeply promoting the adjustment of business strategy, comprehensively implement the secondary transformation with the main objectives of reducing capital consumption, improving loan pricing, controlling financial costs, increasing value of customers and ensuring controllable risks, and strive to promote the transformation of business mode to intensive type It is embarking on the road of intensive management.

China Merchants Bank, because of you. In the years to come, we are willing to provide customers and friends from all walks of life with better financial services and make unremitting efforts to build CMB into the best commercial bank in China with international competitiveness.

Current leader

Mr. Tian Huiyu, principal and executive director, has been the principal and executive director of the bank since May 2013. Master of public administration, Columbia University, USA, senior economist. From July 2003 to may 2013, he successively served as vice president of Bank of Shanghai, vice president of Shanghai Branch of China Construction Bank, President of Shenzhen Branch, retail business director and President of Beijing Branch of China Construction Bank.

Mr. Zhang Guanghua, vice president and executive director of the bank, has been vice president of the bank since April 2007 and executive director of the bank since June 2007. Doctor of economics, senior economist. He is also the vice chairman of Yonglong bank. At the same time, he served as executive director of China finance society, vice president of Guangdong finance society, vice president of Guangdong Federation of Commerce, member of the Fifth Committee of CCPIT, and part-time professor of Southwest University of Finance and economics and Jilin University. He was the president of Guangdong Development Bank from September 2002 to April 2007.

Mr. Li Hao, vice president and executive director of the bank, joined the bank in May 1997, served as vice president of the bank since March 2002, concurrently as financial director since March 2007 and executive director of the bank since June 2007. MBA, senior accountant. He is also a non-executive director of Wing Lung Bank. He successively served as assistant president and vice president of the bank's head office, and concurrently served as president of the bank's Shanghai branch from April 2000 to March 2002.

Mr. Tang Zhihong, vice president of the bank. Graduated from Jilin University, senior economist. He joined the bank in May 1995 and successively served as vice president of Shenyang Branch, deputy director of Shenzhen management department, President of Lanzhou Branch, President of Shanghai branch and President of Shenzhen Branch

Chinese PinYin : Zhao Shang Yin Hang Gu Fen You Xian Gong Si