Over the past year, we have continuously improved corporate governance and established an organizational structure with shareholders' meeting, board of directors, board of supervisors and senior management as the main body; Continuously expand the business field, all businesses continue to develop steadily, and the financial strength and profitability are significantly enhanced; Continuously improve the ability of risk prevention, and initially build a comprehensive risk management system covering credit risk, market risk and operational risk; Constantly optimize the layout of outlets, forming a service network based on Yuxi central city and gradually radiating counties; Constantly shaping the brand image, "Yuxi people's own bank" has gradually taken root in people's hearts.
Yuxi City Commercial Bank is rooted in and dedicated to the local area, and earnestly fulfills its solemn commitment of "serving the local economy, serving small and medium-sized enterprises and serving the general public". At present, there are 9 branches in Yuxi, with reasonable layout and distinctive service features.
Yinhe Sub-branch: Expanding business with the above-mentioned services as the starting point.
Yinhe Sub-branch of Yuxi City Commercial Bank is located in the lower section of Yuxing Road. Its predecessor was Yinhe Branch of Yuxi Credit Cooperative, and it was renamed Yinhe Branch of Yuxi Commercial Bank in May 2007. On July, 20065438+6 1 day, Yinhe Credit Cooperative of Yuxi moved to operate. There are many high-rise buildings here, which are called "Yuxi Financial Street" by ordinary people. Several state-owned commercial banks in Yuxi are gathered here, and the Yinhe Sub-branch of Yuxi Commercial Bank is like a dwarf in a tall crowd.
Faced with such a strong competitor and fierce market competition, how to be in an invincible position and gain a firm foothold is a problem that Li Yuhong, the young president, has racked his brains and is also the most worrying problem for employees. Their position at that time was to "seize the business that other big banks didn't pay much attention to, take customers as the center, and do a good job in door-to-door service". For example, in the urban-rural fringe far away from the central city, even if it is a statement or check, as long as the customer calls, on the premise of risk control, on-site service. Won the support of customers with excellent service. In the past four years, following the idea of "based on Yuxi City, serving the citizens and supporting the development of local small and medium-sized enterprises", they have paid close attention to internal management and actively expanded their foreign business around various work objectives and tasks, and the development of branches has reached a new level: the deposit business has grown rapidly; The number of customers is increasing.
In May 2006, Yuxi City Commercial Bank was established, which created a brand-new platform for the business development of Yinhe Sub-branch. On the basis of fully summing up the past development experience and deeply analyzing the current business situation, they set the overall development goal for the three years from 2006 to 2008: to maintain the annual growth of deposits of more than 50 million yuan and strive to reach the balance of various deposits of 350 million yuan by the end of 2008. General idea: In strict accordance with the requirements of Scientific Outlook on Development, based on the market positioning of "citizen bank, municipal bank and municipal enterprise bank", give full play to the advantages of local joint-stock commercial banks, actively adjust the deposit structure, take stabilizing and expanding large deposits as the core of increasing deposits, vigorously develop small and medium-sized deposits as the guarantee of stabilizing deposits, gradually enhance the stability of deposits, seek truth from facts, innovate, and constantly improve the management and service level, so as to reach a higher level.
It is the survival of banks to fully organize deposits and provide good services. In order to ensure the implementation of the work of "steady increase of deposits", an assessment team was set up and effective performance assessment methods were formulated, which further stimulated the enthusiasm and initiative of employees; Deploy two employees with strong comprehensive professional quality, strengthen door-to-door service, enhance the initiative and enthusiasm of contacting customers, improve service quality and work efficiency, win the trust and support of customers, establish a good external image, and further develop various businesses. By the end of 2006, the average five-day deposit balance of the whole year was 233 million yuan, an increase of 2 1 10,000 yuan over the previous year, and the indicators issued by the head office were well fulfilled. Pay close attention to internal management, no cases and major mistakes and accidents occurred throughout the year, and achieved safe and stable operation.
Tonghai Sub-branch: Deposits have risen sharply, and the ability to support local economic development has been continuously enhanced.
Deposit is the foundation of the bank's survival and the unremitting work of Tonghai Sub-branch. They took advantage of the opportunity of the establishment of Yuxi City Commercial Bank, cooperated with the propaganda of the head office, and intensified the propaganda. Tonghai TV station broadcast special topics to expand the bank's popularity, publicize the flexibility and convenience of Tonghai Sub-branch as a local bank, actively win the support of government departments, expand the influence of our small and medium-sized enterprises and individual industrial and commercial households, continuously improve the credibility and popularity of Tonghai Sub-branch, actively collect deposit information, tap the potential of each employee, do a good job in customer contact, and lay a solid foundation for the steady increase of deposits. In 2006, Tonghai Sub-branch made great progress. At the end of February, the balance of various deposits was193.89 million yuan, an increase of 67.43 million yuan or 53.32% over the beginning of the year. The annual average five-day deposit balance was 65,438+0,565,438+0,565,438+0,438+0,000 yuan, a year-on-year increase of 36.8%.
Loans are the foundation of bank development. Tonghai Sub-branch gives full play to the flexible mechanism of local financial institutions, combines the advantages of Tonghai as a strong industrial county, continuously strengthens the cooperation between banks and CPPCC, banks and enterprises, and closely focuses on the government's industrial orientation and infrastructure construction to do a good job in financial services. The investment of deposits and loans conforms to the national industrial policy and strictly controls the loan risk.
Risk prevention is the main work of commercial banks. Tonghai Sub-branch strengthened risk prevention management, strictly implemented national financial policies and regulations, further improved internal control system, and greatly reduced credit risk through cooperation with guarantee companies.
In 2003, Tonghai Sub-branch of Yuxi City Commercial Bank established a cooperative relationship with Tonghai Chengxin Guarantee Company led by Tonghai County Government. They provide financing guarantee through mutual recommendation and cooperation, which opens up a new guarantee channel for the financing difficulties of small and medium-sized enterprises in Tonghai County.
Small and medium-sized enterprises are small in scale and financing is difficult. Through the investigation of financial management, raw material sources, product sales, market conditions, and professional ethics and credit degree of enterprise managers by banks and guarantee companies, detailed and credible information is provided for bank loans, and the guarantee companies guarantee the credit degree of enterprises that need loans. From 2004 to 2006, Tonghai Chengxin Guarantee Company successively provided 1 1 billion yuan for Yunnan Tonghai Hot Iron and Steel Plant. In addition, it also provides loan guarantees for enterprises with a certain scale and high degree of industrialization in Tonghai, such as Chengjing Industry and Trade Co., Ltd. and Yunnan Hongbin Green Food Co., Ltd., which strongly supports the economic development of Tonghai County. Due to the sincere cooperation and complementary advantages of banks and guarantee companies, the common development of their businesses has been promoted. Guarantee companies strive to solve the problem of SME credit fund guarantee, cultivate high-quality customers for banks, form a pattern of mutual support, mutual benefit and common development, and establish a long-term and effective cooperation mechanism among companies, banks and enterprises.
In 2006, the bank issued a total loan of13.59 million yuan, which strongly supported the economic construction and financial resources cultivation of Tonghai and further played the role of local banks. In March this year, it was commended by Tonghai County Party Committee and county government as "an advanced unit for developing industrial economy". After a year's efforts, the bank's business has been continuously expanded, deposits and loans have grown steadily, and its ability to support local economic development has been continuously enhanced.