Currently, it has 1 sales department, 21 sub-branches, and 17 branches. The bank has 561 employees, including 325 with a bachelor's degree or above, accounting for 57.8%. In recent years, under the leadership of current Chairman Guo Liang, Chairman of the Board of Supervisors Pan Jianmei, and President Chen Chunfang, the business level and business scale have developed rapidly. Our bank has always taken "serving rural areas and farmers, serving small and medium-sized enterprises, and serving the local economy" as its mission, and has always regarded "paying attention to people's livelihood and giving back to society" as an important social responsibility of the enterprise, and has made contributions to promoting the healthy, harmonious and comprehensive development of the regional economy and society. made a positive contribution.
In 2008, after our bank was awarded the provincial civilized unit, it was successively awarded the Nanxun District Service Industry Excellent Enterprise Special Award, the Service Industry Special Contribution Award, the Nanxun District Financial Contribution First Prize, and the Huzhou City Labor A harmonious relationship enterprise, a winning unit in creating an advanced bank, an advanced collective of financial and trade unions in Zhejiang Province, and one of the top ten rural cooperative banks; the business department was rated as a provincial civilized and standardized service demonstration unit, and Hefu Branch was rated as a national civilized and standardized demonstration unit. In 2010, it won the National Award for Best Contribution to County Economy, and the head office trade union group was named the National Model Employee Family.
The glorious history is achieved through constant challenges to the future. Standing at a new and higher starting point, our bank adheres to the scientific concept of development as a guide, adheres to people-oriented, actively implements cross-regional business strategies, takes the road of differentiated and branded operations, further improves service functions, broadens service areas, Innovate service varieties, improve service methods, effectively expand brand value and development space, and build a boutique bank with "flexible mechanisms, standardized management, first-class services, and excellent reputation" to make new contributions to the sound and rapid development of the regional economy.
In 2012, Zhejiang Nanxun Rural Commercial Bank Co., Ltd. adhered to the mission of serving "agriculture, rural areas and farmers", adhered to the business philosophy of "Thinking of you, for you to enjoy", "Integrity, Responsibility and Honor" We adhere to the core values ??of "win-win", vigorously support the development of "agriculture, rural areas and farmers" and small and micro enterprises, support the development of the real economy, and strive to realize the prosperity, harmony and progress of the bank and society.
1. Support economic development and maintain social stability. (1) Strive to enhance social value. In 2012, our bank further improved its operation and management level and strived to improve its ability to create value for shareholders. In 2012, the total business revenue reached 1.189 billion yuan, the total profit reached 493 million yuan, and the asset profit rate and capital profit rate reached 2.29% and 20.27% respectively. While supporting regional economic development, our bank's own strength continues to increase, and the amount of tax paid increases year by year. In 2012, the actual total tax paid reached 253.69 million yuan, an increase of 61.06% over 2011, of which the actual paid business tax was 47.76 million yuan, and the corporate income tax was 133.04 million yuan. . The total tax payment ranks among the top in the region and won the District Financial Special Contribution Award.
(2) Adhere to serving the development of "agriculture, rural areas and farmers". In 2012, in order to continue to promote the construction of a new socialist countryside, promote the transformation and upgrading of the agricultural economy, achieve continuous increase in farmers' income, and maintain rural harmony and stability, our bank started from the perspective of actively fulfilling social responsibilities and based on its own purpose of serving "agriculture, rural areas and farmers" and continued to Increase effective investment in supporting rural industrial development and infrastructure construction. By the end of 2012, our bank's agricultural-related loans were 7.437 billion yuan, an increase of 128,100 yuan or 20.81% over the previous year. New agricultural-related loans accounted for 78.44% of new loans.
First, focus on adjusting the structure of the rural labor force and increase support for demonstration households in all walks of life. In accordance with the actual development of the regional economy, our bank launched small-amount farmer loans, joint guarantee loans, youth entrepreneurship loans, party member entrepreneurship loans, and women's entrepreneurship loans to actively support entrepreneurship among all people and support the transfer of rural labor force to non-agricultural industries. At the end of 2012, the number of farmers receiving loans reached more than 13,000, and the balance of farmers' loans at the end of the year reached 4.5 billion yuan, accounting for more than 40%.
The second is to promote the industrial development process with high-quality services. In accordance with the requirements for the construction of agricultural parks, our bank actively supports the park-based planting of crops and the standardized transformation of old fishing ponds, insists on taking economic benefits as the core, and supports efficient agriculture with obvious economic advantages and stable production advantages. By the end of 2012, 5,552 large planting and breeding households had been supported, and the balance of loans for the planting and breeding industry reached 416.89 million yuan.
The third is to concentrate superior funds to cultivate and expand a number of leading agricultural enterprises.
According to the needs of rural economic development under the new situation, we vigorously support leading agricultural enterprises with strong connections and strong radiation effects. In 2012, we issued loans of 51.67 million yuan to leading agricultural enterprises, stimulating 19,000 farmers, and supported 6 leading forestry enterprises, with an amount of 110 million yuan.
The fourth is to vigorously support farmers’ professional cooperative organizations and improve the degree of organization of rural production and management. In 2012, *** provided credit support to 104 agricultural professional cooperatives and cooperative member farmers in the region, including turtle breeding, chicken raising, fish farming, and vegetable planting. The number of professional cooperative member households with loans reached 3,249, and the loan balance reached 63.18 million. Yuan.
The fifth is to further promote financial projects to benefit farmers and optimize the rural financial environment. In 2012, our bank actively promoted the use of new electronic banking products such as debit cards, credit cards, ATMs, POS, and online banking in rural areas through financial services into villages and communities, and financial knowledge travel. Financial needs of farmers. By the end of the year, 48,613 new harvest debit cards and 5,238 credit cards were issued, and the harvest card consumption reached 18 billion yuan; 29 new ATM machines and 1,208 POS machines were added, with the total number reaching 96 and 1,208 respectively. 4,734 units, and 10,918 online banking accounts were opened at the same time.
The sixth is to further improve the construction of village-level convenient service centers and enhance the convenience of financial services. Further improve the facilities and equipment of service points, and the first batch of self-service terminals for farmers have been put into pilot projects, which can provide financial information, self-service account loss reporting, remittance transfers, account management, replacement of passbooks, etc., and gradually promote individual account opening, wage payment, and financial subsidies. and other services are carried out at convenience service points. In 2012, through the village-level convenience service center, a total of 3,656 small-amount withdrawals were made, amounting to 1.58 million yuan.
(3) Actively support the growth of small businesses. In 2012, global economic growth further slowed down and the European debt crisis continued. The survival and development problems of small, medium and small enterprises under the complex situation became further highlighted. In accordance with changes in the situation, our bank will give full play to its business characteristics and institutional advantages, exert its good affinity with the local economy, and concentrate its efforts on strengthening financial services for small and micro enterprises.
First, conduct in-depth market research and increase marketing efforts. In 2012, our bank carried out in-depth financial service activities of “entering villages and enterprises”, visiting a total of 48,462 individual households, a total of 3,453 corporate households, and holding a total of 261 symposiums. Through in-depth visits to small and micro enterprises in the service area, our bank Conduct investigation and analysis, screen and queue up, and focus on supporting high-quality small and micro enterprises with good credit standing, good economic benefits, and promising development prospects. By the end of 2012, the bank's small and micro enterprise loan balance was 10.347 billion yuan, accounting for 95.96% of the total loan balance, an increase of 1.592 billion yuan or 18.19% from the beginning of the year.
The second is to innovate loan turnover methods and launch renewal loans. In order to better serve the real economy and effectively resolve the financing bottleneck of small and micro enterprises, our bank launched the innovative product "Renewal Loan" revolving loan, which realizes the seamless connection between loan expiration and loan renewal, and provides 500 million yuan. Yuan special credit is granted to alleviate the problem of "difficulty in re-loaning" of enterprises.
The third is to actively promote special credit loans for small enterprises and solve the guarantee dilemma caused by the concentrated outbreak of "guarantee chains". As the first rural financial institution in Huzhou City to cooperate with the municipal government to launch special credit loans for small businesses, our bank has increased its promotion efforts. By the end of 2012, it had supported a total of 189 small businesses and issued a total of 330 million yuan in special credit loans for small businesses. , the loan balance is 297 million yuan.
The fourth is to launch "inventory mortgage" loans to solve the problems of increasing corporate inventories, tight working capital, and difficulty in guaranteeing guarantees. In 2012, ***187 million yuan of inventory mortgage loans were issued.
The fifth is to effectively reduce the financing costs of small and micro enterprises. Silver and enterprise are dependent on each other, and they will survive and prosper. Our bank faces the temporary difficulties faced by small and micro enterprises from a development perspective, further strengthens its awareness of social responsibility, uses the leverage of interest rates, and provides benefits to small and micro enterprises with higher credit ratings in accordance with the principles of classified guidance and income coverage of risks. The amount of profit transfer exceeded 25.22 million yuan.
(4) Continuously improve financial services. 1. Adapt to customer needs and improve financial service capabilities. The first is to further enhance the characteristic service capabilities of international business and enrich customer service methods.
In 2012, our bank further expanded its overseas agent bank network, with more than 1,600 overseas agent banks by the end of the year. We further established and improved settlement channels and improved independent clearing channels for small currencies. At the same time, we strengthened the department's own construction and further refined and optimized foreign exchange. business, striving to improve customer service quality and meet the needs of export-oriented enterprises. By the end of the year, our bank’s international business settlement volume reached US$650 million. The second is to actively promote cross-border trade RMB settlement business. In 2012, based on changes in the trade environment and customer needs, our bank actively promoted cross-border trade RMB settlement business. While meeting customers' capital settlement needs, we further expanded customer financing channels based on products and reduced customer settlement and financing costs. By the end of the year, the cross-border RMB business settlement volume reached 1.279 billion yuan, a year-on-year increase of 61.9%. The third is to further enrich the financial product business to meet the investment needs of our customers. In 2012, our bank issued 11 new issues of the “Golden Partner” financial product, raising a total amount of RMB 628.51 million, and also launched two issues of the “Harvest·Xinfu” financial product, raising a total amount of RMB 53.26 million. The fourth is to launch mobile banking services. At the end of 2012, our bank’s mobile banking system was launched, allowing rural customers to enjoy modern financial service experience, and taking this as an opportunity to accelerate the promotion and popularization of new terminal channels. Fifth, further promote the construction of self-service banking service network and improve the convenience of rural services. In 2012, the construction and decoration of 7 self-service banks were completed across the entire jurisdiction, allowing convenient financial services such as deposits and withdrawals to be further extended to central villages.
2. Promote high-quality services and improve customer satisfaction.
First, the headquarters has moved to a new building, and the service environment and service capabilities have been further improved. In October 2012, our bank's new business building was completed and opened, which greatly improved our bank's service environment and facility conditions, further enhanced its service capabilities, and built a new platform to comprehensively serve "agriculture, rural areas and farmers", serve small and medium-sized enterprises, and serve regional economic development. platform. The second is to further optimize the layout of outlets and strengthen outlet construction. In 2012, our bank basically completed the standardized decoration and renovation work of all branches under its jurisdiction, further unified the style and facilities, and improved the service environment. At the same time, combined with the construction of central towns, the bank set up branches and moved down the service focus. In Zhili, Shuanglin, and Five more branches have been added in central towns such as Linghu, and seven self-service banks have been set up, effectively expanding branch coverage and extending service reach. The third is to further explore the team building of service supervisors and lobby managers, carry out special training, accelerate the transformation of outlets into marketing services, and strive to improve customer satisfaction. Fourth, the "Unlimited Imagination·Year of Innovative Service" activity was launched to continue to promote civilized and standardized services. In 2012, our bank's Lianshi branch won the title of the Provincial Civilized and Standardized Service Demonstration Unit in the Banking Industry, and the Linghu Branch won the title of the Provincial Civilized Service Demonstration Unit of the Rural Credit System.
(5) Efforts to promote brand value. In order to give full play to its own role and advantages, further improve the effect of our bank's services in supporting agriculture and small businesses, enhance brand influence, and broaden development space, especially in a larger scope, wider field, and deeper level, we will increase our support for "agriculture, rural areas, and farmers" and In order to support small businesses, our bank actively explored cross-regional operations. In 2012, our bank’s off-site branch in Hangzhou, Fuyang Sub-branch, officially opened for business. At the same time, the batch establishment of rural banks was approved by the China Banking Regulatory Commission, and the preparations for the establishment of five rural banks in Anhui and Zhejiang were successfully launched.
2. Adhere to compliance operations and maintain industry reputation. (1) Adhere to compliance operations. Preventing and controlling risks is a prerequisite for banks to survive, fulfill their social responsibilities and maximize shareholder value. Under the trend of rising market risks, our bank continues to improve the risk management system, implements a comprehensive, full-process, and all-employee risk management strategy, and further strengthens legal and compliant operations. First, the entire chapter establishment work was carried out. In 2012, our bank evaluated various management systems and promptly revised and improved those that were defective or did not meet the latest regulatory requirements. In the past year, *** revised the system 45 items. The second is to promote honest and compliant practices and promote the construction of a compliance culture. Through activities such as democratic evaluation of work style, collection of "rational suggestions", and selection of models for integrity and compliance, we will further improve our work style, implement compliance culture throughout the daily operation and management process, and establish a long-term risk prevention mechanism. The third is to adjust the management structure and optimize the marketing management model. In order to improve service levels and strengthen management efficiency, in 2012 our bank implemented separate operations for corporate business and personal business, made corresponding adjustments to account managers, and also adjusted the organizational structure of off-site institutions. We have improved the unified department setup and established a branch operation and management system.
(2) Strengthen internal control management. First, a comprehensive risk investigation was carried out. A comprehensive investigation was conducted on key businesses, key personnel, key institutions and other key case prevention areas and key links with greater risk hazards. Special inspections on tellers handling personal business, management of mortgaged items, and authorization of large-amount deposits and withdrawals were carried out. The second is to organize and carry out employee business behavior investigation. Focus on investigating employees’ violations of regulations such as private lending and high-interest loans, and pay close attention to whether internal employees participate in private lending activities. Third, tax risk assessment activities were carried out to promote the legal and compliance management of financial and taxation affairs. The fourth is to further increase the intensity of audit supervision and inspection and rectification, and strengthen the utilization of audit results.
(3) Improve information disclosure. Our bank attaches great importance to information disclosure and strives to ensure that information disclosure is timely, fair, true and complete. In 2012, our bank hired the intermediary Tongfang Accounting Firm to conduct an annual audit and then publicly disclosed the annual information disclosure report in the Shanghai Financial News.
(4) Popularize legal knowledge. In 2012, our bank continued to promote the “Sixth Five-Year Plan” legal education activities. First, the "System Compilation of Zhejiang Nanxun Rural Commercial Bank Co., Ltd." was compiled and published. The second is to continuously maintain and improve the internal compliance website, promptly publish the latest laws and regulations, compliance cases, and risk warnings, and regularly compile audit and inspection cases to strengthen the popularization of legal and compliance knowledge. The third is to combine the "Sending Financial Knowledge for Thousands of Miles" campaign to actively send financial knowledge and legal and regulatory knowledge into communities, businesses, and schools to promote the popularization of legal knowledge.
(5) Standardize business operations. In 2012, under the deployment and supervision of superior departments, our bank carried out standardized business operations, further strengthened deposit and loan management, disclosed charge items, strengthened charge management, corrected unreasonable charges, and strictly implemented the "Seven Don'ts" and "Seven Don'ts" proposed by the China Banking Regulatory Commission. Standards", "Four Principles" and "Four Disclosures" contribute to maintaining the reputation of the industry.
3. Protect employees’ rights and interests (1) Provide employment opportunities. Based on the needs of business development, our bank actively provides jobs to the society through various forms. In 2012, the Bank provided 73 formal positions to the public, and employee salaries were higher than the local average salary level in the same industry.
(2) Improve the quality of employees. Our bank adheres to the "people-oriented" development strategy and accelerates the cultivation of talent teams in accordance with the principle of focusing on internal training and supplementing by external recruitment. The first is to promote the "Xunying Plan" for talent training. In 2012, the second batch of "Xunying Plan" was launched, and 8 young employees were included in the practical training plan. The second is to further promote competitive recruitment and create a good environment in which "the capable are promoted, the mediocre are given way, and the mediocre are demoted". We organized 3 competitions throughout the year, and *** provided 24 positions for branch managers, branch assistants or above, and 2 agency management positions. At the same time, we exchanged 25 cadres above assistant level, including 10 full-time cadres, and 60 cadres above assistant level. . The third is to establish a market-oriented employment mechanism to fully mobilize the enthusiasm of employees. After the recruitment training, the recruiters will go to the business department of the head office for multi-position training. If the business urgently needs talents, it will be an open recruitment for the society. Implement a labor contract system for all employees and establish and improve employee incentive mechanisms. The fourth is to implement hierarchical training to improve job suitability. In 2012, our bank conducted 36 batches of training for branch managers, accountants, service managers, and account managers, effectively improving the quality of the team. At the same time, by the end of 2012, 17 cadres had been sent to study for MBA and EMBA.
(3) Improve welfare protection. The first is to strengthen short-term incentives by establishing a performance appraisal system. In 2012, our bank developed its own performance appraisal system and put it into trial operation. Those who are "diligent and hard-working" will be rewarded based on performance and strengthened incentives. The second is to establish a long-term incentive mechanism. In 2012, our bank established an equity incentive mechanism, and implemented equity incentives for 107 cadres and employees. At the same time, it established systems such as employee supplementary medical funds, corporate annuities, and supplementary housing provident funds.
(4) Enrich the cultural life of employees. In 2012, our bank accelerated the construction of corporate culture, hired a professional corporate culture consulting company to conduct in-depth analysis, refinement, and accelerate the implementation of the culture, so as to make the corporate mission of "serving rural areas and farmers" and "thinking about what you think, and doing what you enjoy" and other operations The concept has been deeply rooted in the hearts of the people, and the employees' mental outlook has taken on a new look. At the same time, a variety of cultural and sports activities were carried out. First, activities such as physical examinations for employees, condolences for retired employees, New Year social gatherings, and birthday wishes for employees were carried out, which effectively enhanced employee cohesion and team spirit.
Second, we carried out public welfare activities such as blood donation, voluntary labor under the road chief system, and celebrating the "August 1st" police-civilian union construction, driving employees to proactively fulfill their social responsibilities, and cultivating a sense of public welfare and responsibility. Third, the program was selected to participate in the provincial youth sitcom competition and won the second prize.
4. Supporting environmental protection Our bank actively advocates energy conservation, emission reduction, and green environmental protection. In terms of own consumption, firstly, the OA automated office system was officially launched in 2012, realizing paperless office, and realizing online approval and circulation of business processes, saving manpower and consumables; secondly, the employee code of conduct was formulated to strictly practice economy and oppose extravagance. waste; thirdly, a new building management system has been formulated to strictly control the management and control of electrical office facilities and decorative lighting sources to save energy consumption. In terms of credit orientation, we will focus on green credit, pay close attention to energy-saving policy orientation, strengthen analysis and research, actively withdraw from high-energy-consuming and high-pollution industries, use credit leverage to focus on supporting independent innovation, energy-saving and environmental protection, and circular economy projects, and strive to build "green credit" "Long-term mechanism to support ecological environment construction.
5. Repay the society wholeheartedly. In 2012, our bank adhered to the core values ??of “integrity, honor, responsibility, and win-win” and was guided by the concept of “returning to the society and benefiting the society” and actively shouldered social responsibilities. responsibility and strive to promote the harmonious development of society. While our bank continues to improve and enrich its business types and improve its ability to serve the society, it is also committed to activities such as student aid, poverty alleviation, and charitable donations. In 2012, it donated 6.5 million yuan to charitable organizations. At the same time, our bank actively participated in community building, the first grassroots diligent and honest cultural selection performance, "Charity One-day Donation" and other activities, and also organized party members and cadres to carry out the "Two Million Pairing" warm-hearted activities.