In the cold winter of the financial industry, the various businesses of Guilin Commercial Bank went against the trend, increased in volume and made great strides. On the basis of the growth rate of 34.7 1% last year and the total assets of the whole bank increased by 2 billion yuan compared with the beginning of the year, the deposits of Guilin Commercial Bank increased by 2.7 billion yuan in June and June this year, achieving the goal of "exceeding 10 billion yuan" six months ahead of schedule and striding into the ranks of commercial banks in medium cities.
From 26,543.8+billion in early 2006 to/kloc-0.03 billion today, it only took Guilin Commercial Bank more than three years. In the fierce market competition, what forces promote the sustained and rapid development of commercial banks? It is innovation, change and continuous creation that endows Guilin Commercial Bank with the power to develop rapidly.
The wave of innovation led by "takenism"
Since the establishment of the new leadership team of Guilin Commercial Bank in early 2006, Guilin Commercial Bank has rapidly positioned its market and established the theme of "reform and innovation, characteristic innovation and scientific development". Around this theme, Guilin Commercial Bank organized a large number of cadres and employees to study in Shanghai, Guizhou, Nanning, Liuzhou and other places. Through a series of study and exchange activities, they clearly realize that only by establishing differentiated banks and establishing the advantages of financial products can they be in an advantageous position in the competition of financial markets.
If so, around the construction goal of differentiated banks, Guilin Commercial Bank has set off a dazzling wave of management innovation, service innovation and product innovation in Guilin financial market.
For a long time, difficulties in financing, loans and settlement have seriously restricted the development of small and medium-sized enterprises and individual industrial and commercial households in Guilin. In order to break through this financing bottleneck, Guilin City Commercial Bank, according to its strategic orientation, changed its concept in time, found another way, cooperated with China Development Bank, and introduced the small and micro enterprise loan project of German IPC Company, which was officially launched on June 28, 2008. Guilin has therefore become a national 1 1 city, and it is also the first city in Guangxi to carry out this business. "Micro-enterprise loan" brings good news to small enterprises, small stall owners and self-employed people facing the shortage of funds, and is welcomed by individual industrial and commercial households and micro-enterprises.
It is also the introduction of the "micro-loan" project of German IPC company that has brought innovation in management and talent selection system to Guilin Commercial Bank. Guilin City Commercial Bank introduced the German-style talent selection method, which no longer takes the traditional cultural examination and business test as the standard, but pays attention to people's subjective initiative, practical ability and cooperative communication ability, and invites German experts to give on-site guidance every time. This brand-new selection model has brought great vitality to the various businesses of city commercial banks. In the past two years, newly recruited employees have become the backbone and backbone of banking business, and some even took middle-level leadership positions.
With the contraction of state-owned banks in some services, Guilin Commercial Bank has continuously innovated its service concept and attacked services on a large scale, which has gained a lot.
In order to support the development of the park, Guilin Commercial Bank, after investigating the capital situation of enterprises entering the park in Guilin National High-tech Industrial Development Zone, innovatively developed closed loan products for enterprises entering the park in view of the difficulty in paying land purchase fees and building funds before running land certificates. The introduction of this credit product was quickly responded by enterprises entering the park: after an industry and trade company in Guilin bought land in the park, the funds for building a factory were in short supply, and the production activities were affected. After learning about the specific situation of the enterprise, the staff of Guilin Commercial Bank quickly handled a closed loan of 3 million yuan for the enterprise, which helped the enterprise solve the urgently needed construction funds, enabled the enterprise to build a factory in half a year, and expanded production in time, which increased the annual sales of the enterprise from more than 5 million yuan to 25 million yuan by the end of 2007, increased the profit from more than 300 thousand yuan to more than 3 million yuan, and the average daily deposit balance was more than 700 thousand yuan. Since then, the company has established a solid cooperative relationship with Guilin Commercial Bank.
When the loan innovation achieved remarkable results, Guilin City Commercial Bank launched a new trick-Lijiang Wealth Integral Loan, which mainly provided cash management for individuals and production operators, and provided value-added services such as account management, credit line and preferential loan interest rate for customers according to their cash flow in the bank. The launch of this business has further enriched the personal business varieties of Guilin Commercial Bank. It is reported that the personal wealth integral loan business of Lijiang River is a personal business consumption loan provided by Guilin Commercial Bank for individual customers with a term of no more than one year (inclusive) and an amount of no more than 654.38+0 million yuan (inclusive) and mortgage guarantee.
At the same time, Guilin Commercial Bank has also launched the "Lijiang Financial Plan". Since 2006, it has launched Lijiang financial products with stable investment returns from time to time. This one-year fixed deposit, which is generally higher than the market income, has been widely recognized by customers once it is launched. In June this year alone, the bank launched two Lijiang wealth management products, which were snapped up by citizens and customers within five hours. As of June 30th, Bank * * * issued 39 wealth management products with a sales amount of 2157 million yuan, which can be paid according to the expected maximum annualized rate of return. These wealth management products with stable income and low risk have become "hot potato" sought after by the public.
The "improvement wind" blown by bold changes
Guilin Commercial Bank has accumulated rich experience in business cooperation with thousands of small and medium-sized enterprises, and is well versed in the present situation, business model, development law and financial needs of small and medium-sized enterprises. In practice, it summarizes a set of convenient and effective financial service modes for small and medium-sized enterprises, and puts forward the strategic concept of "partner bank for small and medium-sized enterprises and citizen bank" loudly. Based on this strategic thinking, a series of special financial service schemes for small and medium-sized enterprises, such as micro-enterprise loans, warehouse receipt pledge loans and inventory mortgage loans, have been launched, among which the shortest approval time is only 1 day and the longest approval time is no more than 10 day, which brings great convenience to enterprises.
Guilin Hante Information Industry Co., Ltd. is a high-tech enterprise in Guilin. More than 80% employees have bachelor degree or above, and the management system is sound. However, due to the lack of funds, the business premises can only be leased, and the company can only undertake projects with quick payment and no need to prepay the material fees, which has affected the company's business development. After knowing the company's situation, the loan officer of Guilin Commercial Bank issued a loan of 6,543,800 yuan for the enterprise in time. With banks as the backing of liquidity, enterprises let go of their hands and feet and boldly take orders. Up to now, the operating income of the enterprise has increased by more than 100% compared with that before lending, and the profit has doubled.
There are many chambers of commerce in Guilin, such as Wenzhou Chamber of Commerce, Fuzhou Chamber of Commerce, etc. Many members of these chambers of commerce need capital investment in the process of developing production, but they often have no choice but to go to the bank for financing. In order to solve the problem of financing difficulties for members of the Chamber of Commerce, Guilin Commercial Bank contacted Wenzhou Chamber of Commerce and reached an agreement to set up a "Wenzhou Guarantee Company", deposit the registered capital of the company in the trading company and set up a special fund account as a guarantee. When members of the Chamber of Commerce need loans, the Chamber of Commerce provides guarantees, and Guilin Commercial Bank provides loans to members of the Chamber of Commerce. It is reported that since the commercial bank reached a cooperation agreement with Wenzhou Chamber of Commerce in 2006, Guilin Commercial Bank has cooperated with Wenzhou People's Guarantee Company, providing loans to various merchants amounting to 654.38+0.3 billion yuan. The innovation of guarantee mode of commercial banks in Guilin has not only brought its own development, but also promoted the development of guarantee companies for small and medium-sized enterprises in Guilin, and guarantee companies have mushroomed. Up to now, there are more than 20 guarantee companies in the city.
Characteristic service brand chain
With the rapid development of business, Guilin Commercial Bank has developed more than 30 branches in the city. In order to prevent business conflicts and market competition between branches and relevant departments of the head office, and between branches, Guilin Commercial Bank implemented differentiated management mode, defined market positioning and established "characteristic branches". When the head office "authorizes" each branch, it requires each branch to focus on various special businesses and establish a relatively stable customer base in accordance with the established work direction.
"Characteristic branches" are close to the market, make full use of their own functional advantages, display their talents in their respective fields, and achieve good economic and social benefits. Xiufeng Sub-branch of Guilin City Commercial Bank takes advantage of its location in the downtown business district, focusing on serving small and medium-sized enterprises, and determines the loan marketing strategy of "giving priority to small loans, supplemented by large loans". At the same time, make long-term comprehensive marketing service plans for important customers, and make short-term product marketing plans for small enterprises and small merchants to meet the individual needs of small and medium-sized enterprises to the greatest extent. Open up a "green channel" for simple loans, temporary loans and operating loans for small and medium-sized enterprises and individuals, and complete the investigation, approval and issuance within 3 working days. At the same time, the sub-branch also opened the only bank outlet in the city that provides night shift service to provide personalized and characteristic services for merchants.
Ronghu Sub-branch of Guilin Commercial Bank has also formed its own characteristics in the long-term development process. In view of the problem that SMEs generally have less assets and insufficient mortgage guarantee, the branch has launched credit business in the form of warehouse receipt pledge, automobile certificate pledge, tripartite cooperation agreement between manufacturers and banks, and inventory pledge. , and become a characteristic personalized branch of "mainly based on bills of exchange". There is a steel distribution enterprise whose annual sales account for 1/5 of the whole Guilin market. However, with the expansion of sales scale, the financial pressure is increasing. The enterprise has sought financing from several big banks, but all of them were blocked because they could not provide corresponding guarantees. After learning about this situation, the sub-branch took the initiative to find enterprises, which solved the problem of difficult enterprise guarantee and attracted many steel distribution enterprises to handle business in the sub-branch. At present, the total amount of credit granted by the sub-branch to these enterprises is1100000 yuan, and the steel products distributed by these enterprises account for more than 70% of the entire Guilin steel sales market.
The tentacles of characteristic branches have developed in depth, expanding the development space of city commercial banks and forming the brand chain of Guilin commercial banks. It is these unique characteristics that quickly enhance the brand image of Guilin Commercial Bank.