1. Bank of Hebei was established on May 28th, 1996. It is one of the first five pilot cities in China and the earliest city commercial bank in Hebei Province. It is a modern joint-stock commercial bank with sufficient capital, strict internal control, excellent assets, good benefits and important market influence in Hebei Province and even the Bohai Rim region. Its organization code is 23604792- 1. On March 9, 2020, the "20 19 Top Banking Companies in China 100 List" was released, and Hebei Bank ranked 46th.
Second, the business philosophy
1, serving the local economy
Since its establishment on May 28th, 1996, the bank has kept pace with the local economic transformation and development, persisted in building a distinctive brand, and invested more than 50 billion yuan in loans to support high-quality enterprises and large-scale projects such as energy, water supply, medicine, textile, education, metallurgy and commerce in provincial capitals. Its business scope also extends from the provincial capital and surrounding counties and cities to Tangshan, Chengde, Handan, Xingtai, Hengshui and Baoding. More than 5 billion yuan has been injected into infrastructure construction such as urban housing project, Minxin River project, Second Ring Road reconstruction project and old city reconstruction project, which has made positive contributions to beautifying the provincial capital and benefiting the citizens.
2. Solve the financing problem of small enterprises.
From 2007 to 2009, the bank held three consecutive "Little Giant" enterprise cultivation projects, and established credit relations with 65,438+072 small enterprises. By the end of 2009, the bank had issued 5.379 billion yuan of various loans to some enterprises, effectively alleviating the financing and loan difficulties of small enterprises. Six series of financing products such as "Mortgage Link, Pledge Link, Cargo Link, Bank-Insurance Link, Bill Link and Entrusted Loan Link" were launched for customers, which solved the financing problem of small enterprises and won the "Best Financial Brand Marketing Activity Award" selected by Banker magazine in 2009. The Bank actively and effectively develops financial services for SMEs and strives to build a long-term mechanism to support the development of SMEs. The first batch of financial service franchises for small enterprises in China was established, and the first one in Hebei was established.
3. Build the service brand of citizen bank.
In order to provide high-quality financial services to the public, on the basis of adjusting the layout of service outlets and improving the service environment, the bank has continuously improved its business varieties, broadened its service channels and improved its service quality. All outlets have implemented a comprehensive teller system, and launched business varieties such as education savings, personal notice deposits, all-in-one savings, and certificates of deposit for studying abroad. More than 20 kinds of intermediary services, such as collecting telephone charges, handling bus IC cards and recharging them, collecting gas fees and collecting cable TV fees, have been opened one after another to facilitate citizens' lives. In terms of personal consumption loan business, personal housing consumption loan, second-hand housing mortgage loan, revolving loan, shop mortgage loan and study abroad deposit loan have been launched one after another. Launch gold sales, fund direct sales, insurance wealth management and bank wealth management products to meet the growing financial needs of customers.
4. Strengthen scientific and technological innovation.
The bank invested in the development of a comprehensive business system with high starting point, perfect functions, advanced technology, safety and reliability, ensuring the smooth flow of funds. Formed a series of card products such as Ruyi UnionPay Card, Ruyi Shangka Card, Ruyi Credit Card and Hong Kong Travel Credit Card. With the continuous improvement of the application level of science and technology, high-tech service channels such as mobile banking and new online banking have been opened one after another, and the traditional business processes have been creatively recreated by using telecommunication networks, which has comprehensively improved the technical content of providing financial services to customers and further enhanced their competitive strength.