Brief introduction of China Merchants Bank
China Merchants Bank
65438-0987 China Merchants Bank was established in Shenzhen Special Economic Zone, which is the forefront of China's reform and opening up. It is the first commercial bank founded by an enterprise in China and a pilot bank promoted by the China government. In 2002, China Merchants Bank was listed on the Shanghai Stock Exchange. In 2006, it was listed on the Hong Kong Stock Exchange.
Since its establishment more than 20 years ago, China Merchants Bank has been adhering to the business service concept of "changing with you" and constantly innovating its products and services. From a small bank with only 654.38+billion capital, 1 outlet and more than 30 employees, it has developed to a net capital of1170.55 million yuan, more than 700 institutional outlets and 3.5% employees. Since 2009, China Merchants Bank has been listed as the world's first bank with the highest return on net assets by Boston Consulting Group. Ranked 8 1 in "Global Brands 100" of the Financial Times, ranked first in the world in terms of brand value growth, ranked 24th in "Top 600 Firms in the World [1]" of Forbes, and ranked the most respected enterprise in China in the Wall Street Journal (Asia Edition). It was rated as "the best retail bank in China", "the best private bank in China" and "the best custody rising star in China" by authoritative media and institutions at home and abroad such as Euromoney and Asian Banker. At the end of June 2009, the total assets of China Merchants Bank reached1972.768 billion yuan.
By the end of June 2009, China Merchants Bank had 47 branches and 648 sub-branches (including sub-branches), 2 branch-level franchises (credit card centers and small business credit centers), 65,438+0 representative offices, 65,438+0,622 self-service banks and more than 65,438+0,500 offline self-service banks in 60 cities in Chinese mainland. It owns two wholly-owned subsidiaries Wing Lung Bank and CMB International Finance Limited, and has branches in Hong Kong. It has branches and representative offices in new york, USA; There is a London representative office in Britain. On August 3rd, China Merchants Bank signed an agreement with the Finance Department of Xizang Autonomous Region to transfer the property rights of Xizang Autonomous Region Trust and Investment Company and acquire 60.5% shares of Tibet Trust held by the Finance Department.
Among the domestic commercial banks, China Merchants Bank took the lead in creating products and service brands such as "One Card" multi-function debit card, "One Netcom" online banking, dual-currency credit card, Dianjin corporate finance and "Sunflower" VIP customer service system, and achieved great success. By the end of June 2009, "One Card" had issued 5 1.72 million cards, with an average deposit of 8,670 yuan. A total of 28.85 million credit cards have been issued, ranking first in the credit card market in China, and selected as an MBA teaching case of Harvard University. The technical performance and counter replacement rate of "One Netcom" online banking have always been ahead of peers. "Golden Sunflower" service system is very popular among high-income people, with 463,400 VIP customers.
As the first commercial bank in China to adjust its business structure, China Merchants Bank has gradually formed a business development model with low capital consumption, low risk and high efficiency. The net profit in the first half of 2009 was 8.262 billion yuan.
As the earliest market-oriented bank in China, China Merchants Bank attaches great importance to risk prevention, and its asset quality has maintained a good level in the global financial crisis. By the end of June 2009, the NPL ratio was 0.86%, and the reserve coverage ratio reached 2,465,438+0.39%.
corporate culture
China Merchants Bank has always adhered to the customer-centered principle and made continuous progress towards the goal of "building a blue chip in the stock market and building a century-old investment bank".
The corporate culture system of China Merchants Bank is divided into nine contents and four levels. The nine major contents include: creating a blue chip in the stock market and creating a century-old vision of attracting silver; Provide customers with the latest and best financial services; China Merchants Bank's core values of service, innovation and stability; Challenge, introspection and dedication to attract silver; Strict, solid and efficient style of attracting silver; Zhao Yin's business philosophy has changed because of you and the environment; Respect, care and share the people-oriented concept to attract banks; The development concept of China Merchants Bank with coordinated development of benefit, quality and scale; The overall concept that the overall situation is supreme and harmony is beautiful. The four levels include: spiritual layer (core layer), system layer (middle layer), behavior layer (surface layer) and social layer (external communication of corporate culture).
The characteristics of China Merchants Bank's corporate culture are: first, the culture of attaching importance to ideals and pursuing; Second, it is a culture of hard work and performance; Third, it is the culture of customer first and service first; Fourth, it emphasizes the culture of market and brand; Fifth, it is a people-oriented professional culture; Sixth, it is to emphasize innovation and first-class culture; Seventh, it is a culture that emphasizes execution and efficiency; Eighth, it is a culture that emphasizes teamwork and harmony; Nine, it is a long-term and rational culture; Tenth, it is a culture that emphasizes reflection and learning.
social responsibility
China Merchants Bank has always attached great importance to the construction of corporate social responsibility, adhering to the purpose of originating from society and returning to society, consciously combining the fulfillment of social responsibility with expanding market business, enhancing brand value and building corporate culture, realizing the mutual integration of China Merchants Bank's own commercial interests and social moral demands, and successfully integrating social responsibility into the organic part of China Merchants Bank's long-term development strategy, thus bringing a steady stream of spiritual wealth and development momentum to China Merchants Bank. Specifically, China Merchants Bank's social responsibility is mainly reflected in the following aspects: rewarding shareholders with good performance, rewarding customers with quality services, rewarding employees with effective incentives, and paying attention to people's livelihood and society. In many years of practice, some distinctive and well-known projects have been formed, such as green finance, financial education charity, designated poverty alleviation, sunflower children's growth fund, love playground special sports charity fund, etc., which have won unanimous praise from all walks of life.
[Products and Services]
Universal debit/credit card
"One Card" is a personal financial basic account provided by China Merchants Bank to the public with a real name. It integrates fixed demand, multi-card of China Merchants Bank, multi-currency and multi-function. With the characteristics of "safety, quickness, convenience and flexibility", it is a well-known bank card brand with unique characteristics in China. Since the issue of 1995 "One Card" in July, China Merchants Bank has continuously improved its functions and comprehensive service system by virtue of its high-tech advantages, creating a new concept of personal finance, and has been rated as a favorite bank card brand by consumers for many times.
Yi netcom
China Merchants Bank "One Netcom" is the general brand of China Merchants Bank's Internet-related products, including all online banking systems. Details are as follows:
O Online personal banking, including professional version, popular version, online payment and other products, and opening channels such as Internet, mobile phone and PDA.
O Online corporate banking, including products such as Bank Pass, Bill Pass, Group Pass, E-Pass and Group Fund Management.
O series websites, including portals, credit cards, securities websites, foreign exchange websites, online shopping malls, online housing markets, communities, etc.
"One Netcom" is sought after by the market for its leading position and recognized by the market for its innovation and service quality. Since 1997, "One Netcom" has been the risk standard of domestic online banking, which has created many standards of domestic online banking: China Merchants Bank and One Netcom.
O product classification standard of online personal banking-popular version and professional version.
O online payment mode standard-send instructions directly to the bank and then forward them to the merchant.
O Digital certificate standard-take the lead in developing digital certificate system independently, and support both file certificate and mobile certificate.
O Anti-Trojan monitoring keyboard input standard-adopting control mode, which is an essential means for domestic banks and mainstream e-commerce websites.
credit card
Since China Merchants Bank took the lead in issuing international standard credit cards in China in 2002, it has successively launched innovative products such as fan cards, airline cards, department store cards, business cards, platinum cards and unlimited cards, which have been well received by the market. China Merchants Bank fully explained the concept of "harmony" in its key bank card business. There is no industry like credit card, because it has gathered nearly 30 million credit card users, and it has naturally been built into a "harmonious" platform. On this platform, China Merchants Bank's credit card condenses social resources and realizes * * * to win back customers; Gather millions of customers and fully assume social responsibility. China merchants bank credit card
Since the introduction of credit cards, China Merchants Bank's credit cards have won many awards, including Hurun Fortune's ranking as the "favorite bank credit card" of China millionaires for five consecutive years, the Best Credit Card Business Award of China Retail Bank by Asian Bankers in 2008, and the "Best User Experience Award" and "Cardholder's Favorite Credit Card" in various evaluations. It has been awarded the honors of "the first five-star customer service center in China", "the best customer service in the Asia-Pacific region" and "the best service center in the world" by authoritative industry organizations at home and abroad for many times, and it has been successfully selected as the "MBA teaching case of Harvard Business School" for its excellent credit card development and business strategy.
Nowadays, China Merchants Bank's credit card brand has established a leading image in the domestic credit card market with five-star products and services, and has been recognized by more and more customers by continuously providing innovative products and services that better meet their needs. Thank you for your support. China Merchants Bank Credit Card hopes to build a world-class credit card brand belonging to China with you.