un Development Rural Commercial Bank Company(zhang chun fa zhan nong cun shang ye yin hang gu fen you xian gong si )

Changchun development Rural Commercial Bank Co., Ltd

Changchun development rural commercial bank, formerly known as Changchun development Rural Commercial Bank Co., Ltd., was founded in 1988. Headquartered in Changchun Economic and Technological Development Zone, with a registered capital of 1.007.5 billion yuan, a total of 978 employees, 17 functional departments and 58 sub branches, including 37 urban sub branches and 21 rural sub branches, covering the urban area and surrounding towns of Changchun. < / Li > < li > < DL > < DT > unified social credit Code: < / dt > < DD > 91220101606095147f < DT > Organization Code: < / dt > < DD > 606095147 < DT > registration number: < / dt > < DD > 220101000024355 < DT > business status: < / dt > < DD > opening < DT > Company type: < / dt > < DD > other joint stock limited companies (unlisted) < DT > establishment date: < / dt > < DD > June 30, 1998 < DT > legal representative: < / dt > < DD > Li Yanjun < DT > business period Limit: < / dt > < DD > June 30, 1998 - < DT > registered capital: < / dt > < DD > 1388335000 (yuan) < DT > audit / annual inspection date: < / dt > < DD > September 4, 2019 < DT > registration authority: < / dt > < DD > Changchun market supervision and Administration Bureau < DT > Enterprise address: < / dt > < DD > No. 2199, Dongnan Hu Road, Changchun Economic and Technological Development Zone business scope:

To absorb public deposits in RMB; to issue short-term, medium-term and long-term loans in RMB; to handle domestic settlement; to handle bill acceptance and discount; to issue, honor and underwrite government bonds as an agent; to buy and sell government bonds and financial bonds and participate in the money market; to engage in interbank lending; to act as an agent for collection and payment and insurance business; to provide safe deposit box service; to engage in bank card business; to engage in bank card business; Foreign exchange deposit, foreign exchange loan, foreign exchange remittance, foreign exchange exchange, international settlement, interbank foreign exchange lending; credit investigation, consultation and witness; foreign exchange settlement and sales; acceptance and discount of foreign exchange bills, foreign exchange guarantee, self operated and agent foreign exchange trading; sale of publicly raised securities investment funds; information service business (excluding fixed network telephone information service and Internet Information Service) ）Other businesses approved by the China Banking Regulatory Commission (projects prohibited by laws, regulations and decisions of the State Council shall not be operated; projects subject to approval according to law can only be operated with the approval of relevant departments) < / Li > < / UL >

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Development History

In May 2013, the preparatory work of Changchun development rural commercial bank was officially launched. On December 27, 2013, China Banking Regulatory Commission approved the preparatory work. On January 14, 2014, Jilin Banking Regulatory Bureau approved the opening of the bank. On January 20, 2014, the bank was officially restructured into Changchun development rural Commercial Bank Co., Ltd.

management idea

Changchun development rural commercial bank takes "reform and innovation, transformation and upgrading, improving quality and efficiency" as the main line, and "all-round operation, business innovation, capital management, service pilot, enterprise culture" as the theme. Adhering to the business philosophy of "based in Changchun, serving the economy and repaying the society", adhering to the market positioning of serving "agriculture, rural areas and farmers", serving small, medium and micro enterprises, and adhering to the service philosophy of "simple, convenient and fast", we continue to explore the development path in line with our own reality.

With the enterprise vision of "striving to create a boutique bank and strive for a century's development", Changchun development rural commercial bank has set ten key tasks of "adjusting business structure, broadening revenue channels, focusing on retail business, optimizing sales channels, strengthening team building, promoting management upgrading, exploring cross regional operation, promoting corporate image, improving corporate governance and prudent compliance development", following the principle of quality management We should adhere to the market orientation of serving "agriculture, rural areas and farmers" and serving small, medium and micro enterprises with the business philosophy of "based in Changchun, serving the economy and returning to the society".

Profitability

In the first half of 2015, the total assets reached 30 billion yuan, an increase of 3.1 billion yuan over the beginning of the year; the total liabilities reached 27.9 billion yuan, an increase of 2.8 billion yuan; the balance of various deposits reached 17.3 billion yuan, an increase of 5.4 billion yuan; the balance of various loans reached 10.4 billion yuan, an increase of 1.6 billion yuan; and the pre tax profit reached 400 million yuan.

financial products

Developing wealth management products

Changchun development rural commercial bank "development wealth" series of financial products are low-risk, non breakeven floating income financial products.

In 2014, a total of 67 issues of financial products were sold, and the maturity of each issue of financial products reached the expected income.

The "development wealth" series of financial products won the honor of "the most popular bank financial products of the year" in the "eighth financial evaluation list" announced by new culture daily on December 12, 2014.

Shidai Pai series of financing products for small and micro enterprises

The specific meaning of "Shi Dai Pai" is: the collection of fast financing products, which highlights the comparative advantage of "simple, convenient and fast" in financing of small and micro enterprises, "Shi" is "timeliness", highlighting the "fast" characteristics; "loan" is the characteristic, that is, "financing function"; and "Pai" means faction and collection. "Shidai Pai" products are mainly characteristic products for financing of small and micro enterprises. The financing brand has 11 sub products:

"Fast easy time loan" refers to the loan of less than 5 million yuan (inclusive) issued to small and micro enterprises, individual industrial and commercial households or enterprise legal person (shareholder) in the form of residential, commercial housing and office mortgage or guarantee company guarantee.

2 "taxi time loan" refers to the loan issued to the taxi operation company for the purpose of purchasing operation procedures and operating vehicles with the "taxi operation right" as the pledge guarantee.

3 "full amount time loan" means that when a customer applies for a mortgage loan with his own or a third party's real estate as collateral, he will continue to provide the residual value of the collateral to the guarantee company as counter collateral, and the guarantee company will provide guarantee, and the bank will provide financing business with the maximum credit line not exceeding 100% of the value of the collateral.

"Easy time loan" refers to the maximum amount of RMB loan approved by the bank to the borrower, and the borrower can recycle the amount of loan within the range and validity period.

"Rent time loan" refers to the loan granted to the owner of the operating property with the qualification of legal loan undertaker or the third-party operating organization with the consent of the owner and the actual control ability, with the operating property owned or operated by him as the loan collateral, and the cash flow obtained from the property as the main source of repayment, and other legitimate funds of the borrower when necessary A loan that repays principal and interest.

6 "Internet time loan" refers to the non mortgage loan issued by the bank to the members of the joint guarantee body, which is composed of 3-5 small enterprises and the members of the joint guarantee body guarantee each other. General joint insurance or special joint insurance is adopted, in which "special joint insurance" refers to the special joint insurance mode in which the risk fund (generally 20% of the loan amount of joint insurance) is jointly funded by the members of joint insurance, and the risk compensation mechanism is established, which is generally aimed at small-scale joint insurance companies.

"Joint venture time loan" refers to the loan issued by relying on the management mechanism of "centralized cash collection and regular return" of large and medium-sized department stores to their joint retailers, under the premise of strictly controlling the return of settlement funds, to solve the phased capital gap caused by the difference between their supply cycle and the settlement cycle of large and medium-sized department stores.

"Factory loan" refers to the fixed assets loan business issued to the small and medium-sized enterprise customers who purchase industrial factories or office buildings in the industrial park or industrial concentration area, with the real estate purchased as collateral and the borrower's operating income and other income as the source of repayment.

"Warehouse receipt time loan" refers to the on balance sheet and off balance sheet credit business granted by the bank in various forms, such as trade financing, general working capital loan, bank acceptance, etc., which is pledged by the enterprise's own movable property or goods right, and used to meet the demand of supporting working capital in the field of enterprise logistics or production.

"Order time loan" refers to the short-term financing provided by the bank to the seller for the purpose of paying for the purchase of raw materials, organizing production and transporting goods before the shipment of goods, with the expected sales payment under the order as the main source of repayment after the buyer and the seller adopt the non L / C settlement method and have signed the order.

"Inventory time loan" refers to the short-term financing business (excluding the standard warehouse receipt pledge financing of futures exchange) provided to the borrower based on the bank's entrustment of logistics supervision enterprise (third-party supervisor) to supervise the borrower's legally owned reserves, inventory or trade receivables, and taking the commodity value as the primary repayment guarantee.

Small and micro loan products

Changchun development bank small and micro loan center introduces loan scoring card and risk early warning system. According to the financing needs of individual businesses and small and micro enterprises, it creates pure credit loan products to solve the financing problems of small and micro enterprises, and introduces three types of loan products

1. Personal consumption loan

2. Loans to individual businesses

3. Loans for small and micro enterprises

Pure credit loan products, that is, without guarantee, are calculated systematically according to the information provided by customers and the results of on-site investigation to determine the credit line.

Service Network

Branch name and address

Business department Changchun Economic and technical department

Chinese PinYin : Zhang Chun Fa Zhan Nong Cun Shang Ye Yin Hang Gu Fen You Xian Gong Si