Zhang Zhuang Tu, chairman of Leshan City Commercial Bank, has said many times that small and medium-sized commercial banks are actually very profitable in the microfinance market. On the basis of social credit construction such as credit cooperatives and entrepreneurship training, we can make up the capital cost and management cost by raising interest rates, leave profits, and take the commercial sustainable road of interest rate covering risks. If Leshan City Commercial Bank wants to find its own market position, it is determined to be a good citizen bank, and small banks can also make big profits.
It is along this line of thinking that Leshan City Commercial Bank insists on serving small and medium-sized enterprises, strives to build a characteristic service platform for small and medium-sized enterprises, and provides various convenient and thoughtful financial services for small and medium-sized enterprises from the aspects of policy guidance, system support, technical support, business process and credit granting. By the end of June, 2008, 5438+February, 3 1, the bank had granted credit to small enterprises 1059, an increase of 242 households compared with the beginning of the year, with a balance of 10630 18600 yuan, an increase of 464,583,300 yuan, or 77.3%. While vigorously promoting the development of enterprises, it has also achieved the greatest improvement of its own value.