Zhang Guoxiang
Zhang Guoxiang
Zhang Guoxiang, male, born in November 1964 in Beipiao City, Liaoning Province, is a member of the Communist Party of China and the founder of Hanhua financial holdings. At present, he is the chairman of Hanhua Financial Holding Co., Ltd., chairman of Chongqing Fumin bank, member of the third, fourth and fifth CPPCC Chongqing Committee, vice president of China Association of small loan companies, work consultant and think tank expert of Shenyang Municipal People's government, and vice president of Chongqing Federation of industry and Commerce (General Chamber of Commerce).
Profile
Zhang Guoxiang, male, born in November 1964 in Beipiao City, Liaoning Province, is a member of the Communist Party of China and the founder of Hanhua financial holdings. At present, he is the chairman of Hanhua Financial Holding Co., Ltd., chairman of Chongqing Fumin bank, member of the third, fourth and fifth CPPCC Chongqing Committee, vice president of China Association of small loan companies, work consultant and think tank expert of Shenyang Municipal People's government, and vice president of Chongqing Federation of industry and Commerce (General Chamber of Commerce).
Mr. Zhang Guoxiang has more than 30 years of working experience in the financial field. He has been committed to exploring the development path of micro finance in China for a long time and founded Hanhua in 2004. At the beginning of its establishment, Hanhua initiated the concept of "people's livelihood finance". After more than ten years of rich practice, he creatively developed the concept into a new thinking and new strategy of "partner finance" in 2015, aiming at establishing a new financial enterprise relationship and long-term common development model with small, medium and micro enterprises, and customizing a comprehensive financial service scheme. Under his leadership, hanhuali has developed by leaps and bounds for more than ten years, forming a strategic layout based on Beijing and Chongqing, radiating the whole country, becoming the largest private inclusive financial service group in China focusing on providing comprehensive financial services for small, medium and micro enterprises, and taking the lead in listing in Hong Kong (HKSE: 3903) in June 2014, becoming the first share in the industry.
Character experience
In July 2017, he was elected vice president of Chongqing Federation of industry and Commerce (General Chamber of Commerce).
In May 2016, Chongqing Fumin bank, initiated by Zhang Guoxiang and led by Hanhua financial holding, was approved by China Banking Regulatory Commission. In August of the same year, Chongqing Fumin bank was officially opened, creating a "Chongqing speed" of 100 days to build and open a bank.
2016.08 ~ now chairman of Chongqing Fumin bank
2016.03 ~ now chairman of Hanhua Financial Holding Co., Ltd
March 2013 to March 2016: Chairman and President of Hanhua Financial Holding Co., Ltd
2009.08 ~ now chairman and President of Hanhua Guarantee Co., Ltd
August 2004 to August 2009: President of Hanhua guarantee Group Co., Ltd
From November 1999 to August 2004, Chongqing Branch of China Merchants Bank successively served as deputy general manager of risk management department and general manager of corporate business department
1998.10 ～ 1999.10 deputy general manager of credit review Department of Chongqing Branch of China CITIC Bank
From August 1988 to September 1998, Liaoning Branch of ICBC successively served as deputy director of business department, credit department and director of capital planning department. The rapid development of Hanhua has been concerned and supported by governments at all levels.
Character honor
In 2017, Zhang Guoxiang won the "2016 outstanding award for innovative financial figures".
In 2016, Zhang Guoxiang won the title of "China's outstanding inclusive financier" in 2016;
In 2016, Zhang Guoxiang won the title of "China's top 10 people of the year in micro finance";
In 2016, Zhang Guoxiang won the annual "outstanding award for innovative financial figures";
In 2015, Zhang Guoxiang was named "brand entrepreneur" in 2015;
In 2015, Zhang Guoxiang won the title of "China's outstanding inclusive financier" of the year;
In 2013, Zhang Guoxiang was awarded the title of "top ten Chongqing businessmen" by Chongqing Federation of industry and commerce;
In 2008 and 2011, Zhang Guoxiang was elected as the "top 10 person of the year of Chongqing economy" twice;
In 2012, Zhang Guoxiang was rated as "Chongqing new class · Chongqing's first top ten professional talents";
In 2011, Zhang Guoxiang was named "China microfinance person of the year";
In 2010, Zhang Guoxiang was rated as "the third outstanding builder of socialism with Chinese characteristics in Chongqing";
In 2009, Zhang Guoxiang was rated as "the top ten leaders in China's guarantee industry";
Character development
In 2002, Zhang Guoxiang came up with the idea of doing livelihood finance. After two years of thinking and struggling, he finally resigned from the high position of the bank and plunged into the unknown sea. Ten years later, Hanhua Financial Holdings, which he founded, was successfully listed on H shares.
After Hanhua's listing, Zhang Guoxiang led Hanhua to continue on the Inclusive Finance road of serving small, medium and micro enterprises, further enriching its business segments and product lines. Up to now, it has formed a partner financial cluster that integrates guarantee, factoring, financial leasing and capital to serve small and medium-sized enterprises, and a partner financial cluster targeting micro enterprises and individuals with small and micro finance and Internet finance as the "two wings" Comprehensive financial layout; service network from one in Chongqing, to now all over 28 provinces and cities, more than 100 subsidiary companies; assets from the initial 100 million yuan to today 19 billion yuan, annual turnover of nearly 100 billion yuan, serving more than 200000 small and medium-sized enterprise customers.
In May 2016, Hanhua financial holding, led by Zhang Guoxiang, initiated the preparation for the establishment of Chongqing Fumin bank, which was officially approved by the CBRC. Chongqing Fumin bank was officially opened in August 2016. This is the first approved private bank after the normalization of private banks, and also the first private bank in central and Western China.
In the nearly 30 years of inclusive finance practice, Zhang Guoxiang refined the risk identification method for small and medium-sized micro enterprises according to the characteristics of small and medium-sized micro enterprises: dominated by the way of credit, taking the growth judgment as the main line, promoting the financing guarantee mode of "credit, no mortgage" and the micro loan mode of "small amount, scattered, pure credit". 70% of the customers of the guarantee loan adopt the way of credit, and 60% of the customers use the way of credit For the first time, 50% of small and micro enterprises obtained bank loans through Hanhua credit enhancement, with an average single amount of 5 million yuan; 100% of small loans used credit technology, 72% of customers obtained loans for the first time in their life, 65% of customers were micro enterprises, individual businesses and migrant workers, with an average single amount of 250000 yuan.
Zhang Guoxiang and his leading Hanhua's attempt and exploration of Chinese style Inclusive Finance have also been recognized by the party and state leaders. On March 26, 2014, Premier Li Keqiang of the State Council visited the company and put forward the affirmation and hope that "small and micro businesses can be served by small loans, and the two small businesses can be combined to make the cause of great beauty". On December 18, 2014, Ma Kai, vice premier of the State Council, presided over the national teleconference on the development of financing guarantee industry. As the only private guarantee agency, Hanhua participated in the experience exchange at the conference, which was fully affirmed by the Vice Premier: "Hanhua adheres to its main business, makes intensive efforts, and serves small, medium and micro enterprises with no distractions. It has developed into a leader in the industry."
Since he was engaged in the credit guarantee industry, Comrade Zhang Guoxiang has devoted himself to the research and practice of micro finance theory to promote the development of private economy and small and medium-sized enterprises. He took the lead in putting forward such new micro finance development concepts as "financial poverty alleviation", "big financial power, small finance enriching the people", which has played an important role in promoting China's micro finance theory and development practice. During the two sessions of Chongqing in 2008, member Zhang Guoxiang submitted to the CPPCC municipal committee the no.1585 proposal "to take the lead in the pilot of small loan companies in urban and rural areas of Chongqing", which was highly valued by the municipal leaders and relevant departments, and played a positive role in promoting the pilot operation of small loan companies in Chongqing.
At the invitation of the CPPCC National Committee, the all China Federation of industry and commerce, the people's Bank of China, the China Banking Regulatory Commission and the Ministry of industry and information technology, Zhang Guoxiang has actively made suggestions and suggestions for promoting the development of China's micro finance, discussed the development path of the guarantee industry and the methods, paths and goals of financial services for small and micro economic entities, established the industry brand and promoted the industry status.
In May 2015, in order to grasp the new round of inclusive finance development opportunity of the country and comprehensively improve the financial service ability of small, medium and micro enterprises, Zhang Guoxiang proposed to implement the new development strategy of "developing partner finance and building inclusive finance ecosystem". The strategy aims to establish a new type of financial enterprise relationship and long-term common development mode with small, medium and micro enterprises, customize the comprehensive financial service scheme, promote the comprehensive upgrading of the company's operation mode, management mode and product mode, create an Internet-based, platform based and comprehensive partner financial ecosystem, and strive to create a new era of inclusive financial development in China.
Character contribution
In order to promote the development of China's inclusive financial industry, Zhang Guoxiang has participated in the meetings of the CPPCC National Committee, the all China Federation of industry and commerce, the people's Bank of China, the China Banking Regulatory Commission and the Ministry of industry and information technology.
In 2013, the China Association of financing guarantee industry was established; in 2015, the China Association of small loan companies was established, both of which were supervised by the China Banking Regulatory Commission, effectively changing the lack of regulatory guidance and industry self-discipline in the two industries of financing guarantee and small loan, in which Comrade Zhang Guoxiang served as vice president.
Zhang Guoxiang believes that China should not copy foreign samples, but should find its own inclusive financial model and create its own inclusive financial samples.
Zhang Guoxiang believes that the connotation of Inclusive Finance includes three aspects: inclusiveness, comprehensiveness and reciprocity. First of all, the core of finance is credit. The characteristic of finance is realized by credit. In particular, inclusive financial institutions should cherish their own credit, and constantly accumulate and improve by means of introducing excellent capital.
Zhang Guoxiang believes that in order to develop inclusive economy, China must combine international experience with China's reality.
Zhang Guoxiang believes that China's
Chinese PinYin : Zhang Guo Xiang
Zhang Guoxiang
