The concepts of economic capital and economic added value are introduced, and a risk and interest restraint mechanism with economic capital as the core is constructed, and credit risk, operational risk and capital occupation are included in the performance appraisal scope. We have established an assessment system with economic added value as the core, assessed the operating performance of the host bank with healthy profits after risk adjustment, established a risk capital restraint mechanism, strengthened the risk management orientation, and made the Bank develop more healthily. In order to promote the development of emerging businesses such as foreign branches and microfinance, the performance appraisal system and incentive mechanism have been improved, and the enthusiasm and creativity of employees have been improved. Harbin Bank always puts risk prevention in the first place. Under the guidance of supervision departments at all levels, we will actively explore the risk prevention mechanisms and methods of modern small and medium-sized commercial banks, introduce the risk management concepts of advanced commercial banks at home and abroad, strengthen the risk management infrastructure, innovate means and methods, and take various measures to strengthen risk management and improve the level of risk prevention. Strengthen process management, implement the process management of the whole credit process, set up different departments for credit review, approval, issuance and post-loan management, and implement the whole process management according to the business operation process. Strengthen credit management, and establish a credit management model of "separation of examination and loan, grading examination, centralized examination and approval, comprehensive supervision, differential authorization and mutual restraint". The centralized business management mode is implemented, and business supervision, settlement, bank-enterprise reconciliation and financial accounting are concentrated in each management center, which improves the scientific, professional and work efficiency of management.
Build a risk prevention network with full participation, and innovatively carry out "fixed-point clearance" and overall transfer inspection of internal control risks throughout the Bank. Strengthen the construction of audit organization system, implement the system of auditors stationed, and establish and improve the audit management system. Strengthen business operation risk control, and issued more than 30 opinions on strengthening business operation risk twice. The risk management system has been improved, and a risk management committee, a risk management department and a credit approval department have been established, thus realizing the separation of loan review. Strengthen credit management, implement five-level classification of loans and standardize the five-level classification process. Bringing the loan issuance into the monitoring center and strictly examining the credit files effectively avoided the credit risk and timely blocked the loopholes caused by incomplete procedures in the loan issuance process. Improve the construction of credit business authorization system. Credit business of the whole bank shall be rated, and differentiated authorization shall be made according to the rating results and the risk degree, marketing objectives and customer demand characteristics of credit products. Implement accountability system. A special method to determine credit responsibility is introduced. Hire a well-known domestic accounting firm to comprehensively sort out and evaluate the internal control system.
Innovate audit methods and implement "overall shift" audit inspection. Strengthen safety precautions, treat both the symptoms and root causes, pay attention to prevention, link the whole bank up and down, pay equal attention to civil air defense, physical defense and technical defense, create a good atmosphere in which everyone attaches importance to safety and always guard against risks, comprehensively improve the level and ability of safety precautions, and achieve a safe year for five consecutive years, which has been well received and highly praised by the regulatory authorities and promoted in the same industry. Harbin Bank "Dalujia" Personal Consumption Loan Agency: Harbin Bank Agency Type: Microfinance Bank Loan Type: Guarantee Loan Repayment Method: Installment Loan Amount: 65,438+0.00-300,000 Yuan Suitable Area: Shenyang, Dalian, Harbin, Shenzhen, Chengdu, Baiyin, Beijing, Tianjin, Chongqing Loan Currency: RMB Suitable for people: other occupations, employees of state-owned enterprises. Loan interest rate: 0.60%-0.70%. Loan term: 65,438+0.00 -60.00. Processing time: 1 day. Loan purposes: personal consumption loan, decoration loan, travel loan, new car mortgage loan and second-hand car purchase.
This loan product is an exclusive personal consumption credit product designed by Harbin Bank for Harbin Bank's payroll customers and quality customers. The maximum loan amount is 500,000 yuan, and the longest loan period is 5 years.
Product advantages:
1. The loan can be used for a variety of purposes: car purchase, house decoration, tourism, wedding consumption, home appliance upgrade, academic study, purchase of large-scale durable consumer goods and other consumer purposes.
2. The loan amount shall be paid with the salary: the maximum credit amount of the loan shall not exceed 300,000 yuan (excluding).
3. Flexible loan term: the longest credit period of the loan can reach 5 years (inclusive).
Loan terms:
1, with permanent residence or valid residence certificate of the place where the loan bank is located;
2. Have a proper occupation, stable economic income and the ability to repay the principal and interest of the loan on schedule;
3. The borrower is a salary customer or quality customer of Harbin Bank;
4. Good reputation and no bad credit record.
Application materials:
1. The borrower's valid identity document, household registration and proof of marital status;
2. Proof of occupation, income and work, and the borrower has paid the salary for nearly half a year;
3. If the guarantee method is adopted, the guarantor's basic information, occupation and income certificate, and salary payment in the past six months shall be provided;
4. Proof of the purpose of the loan;
5. Other materials required by the lender. Since 2004, we have vigorously implemented the small and medium-sized strategy, shifted the focus of asset business to the development of credit business for small and medium-sized enterprises, and solved the financing problem for small and medium-sized enterprises. The microfinance of Harbin Bank is divided into four sections, namely, small business loans, farmers' loans, micro-enterprise loans and personal consumption loans. By the end of 2009, the balance of small loans was 654.38+08.933 billion yuan, accounting for 60% of all credit assets. The average daily loan balance is 654.38+052.6 1 100 million yuan, accounting for 55% of the average daily credit assets. Income accounts for 60% of the total credit assets, and the overall non-performing rate is controlled within 654.38+0%. In recent years, a total of 96 1 household loans of 2.9 billion yuan were issued, 696,000 households 1 893 million yuan, 2.7 billion yuan for small enterprises16,000 households, and 5.327 billion yuan for personal consumption loans1household. Microfinance practitioners reached 693, accounting for 70% of the bank credit team. At present, a microfinance system covering urban and rural markets, product serialization, service specialization, scale of operation, brand visualization and technology internationalization has been established, forming a microfinance development pattern with Harbin as the center and extending to Heilongjiang Province, Northeast China and the whole country. According to the statistics of Asian Development Bank, the scale of micro-credit of Harbin Bank has been ranked first in the world 10, and it has embarked on a unique path of micro-credit development.
In the process of developing microfinance, we have strengthened exchanges and cooperation with French Peifeng, American Action International, Grameen Bank and other international advanced microfinance organizations, and upgraded the microfinance business to an international development platform, greatly improving the level of microfinance in China. CCTV's "News Network" broadcast the experience of Harbin Bank's microfinance business three times, Xinhua internal reference and other media reported the microfinance work many times, and were invited to participate in the new york Micro International Investment Forum, the Geneva International Microfinance Forum and the CCTV International Forum on Solving the Financing Problems of SMEs, and made keynote speeches. By the domestic media as "Yunus of China".
In 2006-2007, Harbin Bank was continuously rated as an advanced unit for small business loans of banking financial institutions in China. Since 2006, many customers and loan officers of the Bank have won awards in international microfinance selection activities, such as the 2008 China Banking Association (Citigroup) Small Entrepreneur Award, Peifeng Global Outstanding Small Entrepreneur Award, and the "Zhiying" series of microfinance products won the first China Top Ten Special Products Award. Harbin Bank actively explored the market, deepened its marketing, and constantly carried out business innovation, and achieved remarkable results. Strive to build a professional, professional and market-oriented bank, constantly innovate in many business fields and be at the leading level in the industry. The establishment of Harbon bond trading room is unique in the national bond market. Its transaction volume ranks 12 among more than 5,000 financial institutions in China, and ranks second among city commercial banks. It is the most qualified bank such as open primary dealer, shibor quotation provider, Ministry of Finance, China Development Bank, Export-Import Bank, and Agricultural Development Bank bond underwriting and settlement agent.
The first bill discount market in Heilongjiang Province was established, and the bill discount amount ranked first among financial institutions in Harbin. It is the first city commercial bank in three northeastern provinces to obtain the right to operate foreign exchange. In July 2009, the personal foreign exchange business center was established, becoming the first bank in China to open ruble deposit business, and the ruble exchange volume ranked first in the country in 2008-2009.
Actively develop personal finance business and build a brand of "Lilac Finance", which is well received by customers. In 2008, Financial Times, an authoritative newspaper in China, ranked 25th in the comprehensive ranking of "Competitiveness of Financial Products of Domestic and Foreign Banks" and 5th in the city commercial banks. In the "2008 China Financial Marketing Award" sponsored by China Banker, "Lilac Wealth Management" products won the "Top Ten Financial Products Award" in the 2008 China Financial Marketing Award.
Actively strive for large projects of the municipal government, and successfully obtain projects such as centralized payment service of the municipal treasury, golden insurance project, golden tax project, and municipal card. The market share of various businesses is constantly improving, and it is playing an increasingly prominent role in local economic and social development. Establish the concept of "people-oriented", put forward the concept of "let the old comrades who have made contributions have no worries and let the young people who have made achievements have a head start", implement the "four batches" project of talent construction, and introduce international experts to carry out employee training, which greatly improves the quality of employees and provides a solid human guarantee for the development of Harbin Bank. Adhere to the construction of "four batches of two talent pools" as the main line, and do a good job in the implementation of the "four plans", namely, "Horizon Plan", "Successor Plan", "College Training Plan" and "Professional Manager Training Plan", in order to meet the needs of future development, build a high-quality staff, and rank among the top in the national city commercial banks in terms of overall quality, especially through cooperation with small loan organizations at home and abroad.
At present, a micro-loan team of nearly 400 people has been initially established, and 5 R&D experts, 20 management experts, 19 trainers and 5 bilingual international exchange talents have been trained, and a micro-loan management team framework has been established, forming a micro-loan expert team for agricultural loans and micro-loans. It is planned to build a micro-credit team of about 800 people in the next three years, including more than 500 agricultural loan teams, more than 200 micro-credit backbones and more than 50 small-business credit personnel, and train 100 micro-credit experts with international standards to build Harbin Bank into the cradle of domestic micro-credit talents. As a local bank, hometown bank and citizen bank that grew up in black land, the bank has never forgotten the social responsibility of an enterprise while achieving good economic benefits, and it is its unshirkable responsibility to support the development of local economic and social undertakings, and moistens every land that is eager for funds with financial rain and dew. In 2006, he sponsored the 29th Summer Concert in Harbin, China, which cost 2 million yuan.
The Harbin Coin Museum was established with an investment of more than 6,543,800 yuan, which enriched the financial culture of banks. Invested 600,000 yuan to undertake the first "Discover Harbin" national photography exhibition; Invested more than 200,000 yuan to establish Heilongjiang Anti-Union Hope Primary School, which carried forward the revolutionary spirit of Anti-Union. Invest 300,000 yuan to set up Hongyi Scholarship Fund to support education in the old revolutionary base areas. Invested more than 6 million yuan to support the Harbin city card project, which has made positive contributions to the construction of digital Harbin; In May 2008, he donated RMB 6.5438+0.59 million to the Wenchuan earthquake-stricken area in Sichuan, expressing his deep affection for the people in the disaster-stricken area.
Harbin Bank successively won the title of advanced unit of the 29th, 30th and 31st Harbin Model Workers Congress and the title of model unit of the 32nd Harbin Model Workers Congress. Three people won the National Model Workers and the National May 1st Labor Medal.
In 2006, it was rated as the 30 most competitive financial institutions in China. In 2005, well-known domestic service consulting agencies were introduced to evaluate the service status, and a service management framework was established, and a four-level service quality management supervision system was established, including service director, inspector center, inspector representative and customer complaint representative. Set up a leading group for quality service work, and engage in service management full-time; Establish service specifications and prepare 1500 service cases; Introduced civilized and standardized service management methods for business outlets, and unified service etiquette and civilized terms; Carry out the selection activities of civilized demonstration units and top ten service stars, and select 38 demonstration units at the 130 business outlets under its jurisdiction; On-the-job training activities have improved the service skills of employees. Optimize the layout of outlets, transform the environment of outlets, and invest more than 80 million yuan to standardize the renovation of outlets, which has changed the backward face in the social period. Two outlets were rated as "China Banking Civilized and Standardized Service Demonstration Units".
Harbin Bank will adhere to the concept of "inclusive finance is harmonious and prosperous", adhere to the development orientation of "based on Longjiang, supporting small and medium-sized enterprises, serving the Northeast and facing the whole country", inherit the historical context of Harbin as an international financial capital, and strive to build a "domestic first-class and internationally renowned microfinance bank" to make greater contributions to social progress.