Zhanjiang Rural Credit Union(zhan jiang shi nong cun xin yong he zuo she lian he she )

Zhanjiang Commercial Bank

Zhanjiang commercial bank, established on January 8, 1998, is located in Zhanjiang, a beautiful coastal city in the west of Guangdong Province. After 12 years of development and hard work, Zhanjiang commercial bank has achieved rapid and healthy development. At present, the commercial bank has one branch (Guangzhou Branch) and 45 sub branches (including the head office business department), with more than 780 people on duty. Zhanjiang commercial bank always adheres to the core values of "Heaven rewards diligence, harmonious growth", advocates the spirit of "righteousness, responsibility, innovation and Transcendence", adheres to the market positioning of "serving small and medium-sized enterprises, serving citizens, serving agriculture, rural areas and farmers, serving underdeveloped areas, and serving trade financing", and sets up the development vision of "facing the world, serving the whole country, developing Guangdong, and rooting in Zhanjiang" .

Bank introduction

Zhanjiang Commercial Bank Co., Ltd. (hereinafter referred to as Zhanjiang commercial bank) is located in Zhanjiang, a beautiful coastal city in the west of Guangdong Province. In January 1998, "Zhanjiang City cooperative bank" was established on the basis of the original six city credit cooperatives. In April of the same year, it was renamed Zhanjiang Commercial Bank Co., Ltd. In November 2011, it was officially renamed "Guangdong Nanyue bank"

Organization setup

Zhanjiang commercial bank, established on January 8, 1998, is a joint-stock commercial bank approved by the people's Bank of China. It has jurisdiction over the head office business department, five branches in Guangzhou, Shenzhen, Chongqing, Foshan and Dongguan, and eight first-class sub branches in Xiashan, Chikan, Renmin, Gangcheng, Development Zone, Haiyang and Mazhang, with 44 business outlets and more than 570 employees.

Development History

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After 12 years of "four stages" of reform and development and hard work, Zhanjiang commercial bank has achieved rapid and healthy development. By the end of December 2009, the bank had total assets of 27.7 billion yuan, various deposit balances of 24.3 billion yuan and various loan balances of 15.1 billion yuan, capital adequacy ratio of 13.11%, non-performing loan ratio of 0.96%, provision coverage ratio of 150.8%, current ratio of 64.1%, excess provision ratio of 12%, annual operating profit of 230 million yuan and Book profit of 170 million yuan. Zhanjiang commercial bank has 6 branches (Guangzhou Branch, Shenzhen Branch, Chongqing Branch, Foshan branch, Changsha branch, Dongguan Branch) and 42 sub branches (including the head office business department). There are more than 780 people on duty, including 46 graduate students and 230 undergraduate students. In November 2011, Zhanjiang commercial bank officially changed its name to "Guangdong Nanyue bank".

Four stages of development

Since its establishment, Zhanjiang commercial bank has gone through four stages of development, namely, the stage of "resolving the risks of urban credit cooperatives" (1998-1999), "ensuring payment for survival" (2000-2004), "reform and reorganization" (2005-2006) and "new period of scientific development" (since 2007).

Since the reform and reorganization in 2005

Zhanjiang commercial bank reformed in adversity, innovated in reform, made a breakthrough in innovation and surpassed in breakthrough, achieving a new leap every year. In 2008, the "three-year development plan" was formulated to comprehensively promote the secondary reform and entrepreneurship; in early 2009, the regulatory rating entered the advanced ranks of the secondary banks of urban commercial banks in China（

At present, the highest level of city commercial banks in China

）In April, it won the honor of "2008 China's most powerful small and medium-sized bank"; in May, Guangzhou Branch opened ceremoniously. Subsequently, Shenzhen Branch and Chongqing Branch were approved to build one after another, and the layout of the Pearl River Delta began to take shape, marking the initial completion of Zhanjiang commercial bank's transformation from a local commercial bank to a regional commercial bank. At the press conference of "2009 China commercial bank competitiveness evaluation report", Zhanjiang commercial bank won the second place in the comprehensive ranking of 11 city commercial banks in the Pan Pearl River Delta economic region, ranking second in the country City Commercial Banks (126) ranked 20th, up 13 places year on year. According to Zhanjiang commercial bank's capital increase and share expansion plan in 2009, it has listed and transferred 400 million shares held by Zhanjiang municipal government through southern United Property Rights Trading Center. As of the end of December 2009, it has basically completed the bidding, expert evaluation and business negotiation. The qualification of new shareholder has been approved by the provincial banking regulatory bureau, and has achieved phased results. After the completion of the equity transfer, the capital of Zhanjiang commercial bank will increase to 2.487 billion yuan, and the capital adequacy ratio will be increased to more than 12%, which has laid a solid foundation for the next step to comprehensively deepen the reform of system and mechanism, and fully promote the reform of organizational structure, process system reengineering, salary system building, it construction, CIS image design, etc.

Building a modern bank

Zhanjiang commercial bank adheres to the core values of "Heaven rewards diligence, harmonious growth", advocates the spirit of "righteousness, responsibility, innovation and Transcendence", adheres to the market positioning of "serving small and medium-sized enterprises, serving citizens, serving agriculture, rural areas and farmers, serving underdeveloped areas, and serving trade financing", and sets up the development vision of "facing the world, serving the whole country, developing Guangdong, and rooting in Zhanjiang". In the next few years, Zhanjiang commercial bank will take five to ten years to build itself into a modern bank with "refined management, characteristic operation, diversified services, capital marketization and Sinicized Development", and strive to build itself into a modern bank with "strong financial strength, distinctive business characteristics, good operating efficiency, strict internal control, perfect corporate governance and first-class service quality" Cheng bank, characteristic bank and boutique bank.

Expansion strategy

After the establishment of Zhanjiang commercial bank, it adheres to the development direction of citizen bank, pursues the service tenet of "serving the citizens wholeheartedly and enterprises wholeheartedly", bases itself on the local, serves the citizens, serves the local economy and small and medium-sized enterprises, and gives full play to the flexible mechanism in accordance with the operation guiding ideology of "steady operation, pioneering and innovation, benefit first, strict management, image building outside and quality improving inside" In addition, we have also strengthened the internal management, created a new situation in all work, and initially embarked on the track of sound development.

people oriented

In order to achieve the goal of "building Zhanjiang commercial bank into a beautiful city card of Zhanjiang City", Zhanjiang commercial bank is people-oriented, strives to promote the construction of enterprise culture, carefully cultivates the enterprise spirit of "unity, enterprising, flexible, steady, clean and efficient", and advocates the development concept of "employees grow together with the enterprise, income and benefit grow together", which needs to be improved We hope that the staff can achieve "Army Style discipline, hotel style service, insurance style marketing, foreign enterprise style management", establish the idea of "prospering, prospering, prospering, failing, disgraceing and poor", enhance the team consciousness of one heart and one mind, help each other in the same boat, offer advice and suggestions for the development of the enterprise, and provide high-quality and efficient services for customers. At the same time, Zhanjiang commercial bank pays close attention to the "image project", the decoration of outlets is standardized, the employees are dressed uniformly, the service is civilized and standardized, the business style and appearance are brand new, and the social reputation is improving day by day.

Growth rate

In the near future, Zhanjiang commercial bank will seize the favorable opportunity to maintain an annual growth rate of 10-15% in accordance with the idea of "expanding scale, improving quality and giving consideration to efficiency", continue to promote the healthy, sustained and steady development of various businesses, and truly turn Zhanjiang commercial bank into a bank serving small and medium-sized enterprises and citizens.

Memorabilia

On August 7, 1997, the people's Bank of China approved the establishment of Zhanjiang City cooperative bank.

On January 8, 1998, six urban credit cooperatives in Zhanjiang City merged and established Zhanjiang City cooperative bank, with 65 business outlets and 727 employees. The head office is located in the financial building, No. 64, Renmin Avenue middle, Zhanjiang City.

On April 28, 1998, Zhanjiang City cooperative bank changed its name to Zhanjiang commercial bank, which was officially put into operation.

The first staff congress was held on July 14, 1998.

On July 29, 1998, the people's Bank of China approved Zhanjiang commercial bank to join the national interbank market.

On December 29, 1999, the people's Bank of China issued a risk warning letter to warn Zhanjiang commercial banks of payment risks, and required them to report the changes of deposits on time every day.

On August 7, 2000, the board of directors of Zhanjiang commercial bank was elected, and Liang Pei was appointed chairman of Zhanjiang commercial bank.

On May 21, 2001, Guangzhou Branch of the people's Bank of China approved Zhanjiang commercial bank to open bank acceptance business.

On September 10, 2001, Zhanjiang commercial bank was first published.

In November 2001, Zhanjiang commercial bank issued the first bank acceptance bill.

On January 21, 2002, he relocated the business office building of the head office to the peace building of Haibin Avenue.

In March 2002, Zhanjiang Commercial Bank successfully handled the first bill discount business.

On December 31, 2002, Zhanjiang commercial bank turned losses into profits for the first time, and realized a profit of more than 3 million yuan before provision in that year.

On September 20, 2003, the first staff sports meeting was successfully held.

In December 2003, chairman Liang Pei was awarded the title of Zhanjiang model worker; Vice President Han Chunjian was elected as "top ten outstanding youth of Zhanjiang".

On January 8, 2004, the flat management of the "head office branch system" was fully implemented. The head office re established departments and offices according to the three systems of operation, management and logistics support, and the sub branches were classified according to the scale and comprehensive operation. All of them became the business entities directly facing the head office, realizing the upward shift of management focus and heavy operation

Chinese PinYin : Zhan Jiang Shi Nong Cun Xin Yong He Zuo She Lian He She