1, with the mission of "agriculture, countryside and farmers" and returning to urban and rural shareholders.

2. Vision to build an all-round international financial enterprise integrating urban and rural areas.

3, the core values, honesty, stability and far-reaching.

4. Related concepts under the guidance of core values

5. Business philosophy: market-oriented, customer-centered, efficiency-oriented.

6. Management concept: details determine success or failure, compliance creates value, and responsibility achieves career.

7. Service concept: customer first, consistent.

8. Risk concept: violation is risk, and safety is benefit.

9. Talent concept: having both ability and political integrity, taking morality as the foundation, and putting ability first in Shang Xian.

10 and "35 10" development strategies, the basic goal of ABC is to make significant changes in three years from 2008 and fundamental changes in five years, that is, to make ABC a leading domestic and world-class commercial bank in ten years.

1 1 and "1234" projects:

Realize the leap: realize the forced leap from the meager profit line to the region; Achieve two upgrades: the increase in the share of the same industry; Peer ranking improved; Realize three controls: control risk cases and safety accidents; Control non-performing loans; Control negative events that affect ABC's image; Realization 4:

12, "Four Tests": Corporate governance has stood the test and maintained a sustained, steady and rapid development momentum; The development ability has withstood the test and the business operation has achieved good results; Risk management has withstood the test and maintained a steady business situation; The ranks of cadres have withstood the test, and the whole bank has United as one, faced difficulties and overcome all kinds of difficulties and obstacles.

13 and "4 1 13" projects:

Choose about 4 high-quality development; Real estate; Select 1 second-hand housing agency; Select 1 commodity specialized market; Choose three bustling commercial streets

14, "Six Highlights"

The heavy-duty business achieved steady and rapid growth; Net interest margin continues to maintain the leading position in the same industry; The growth rate of net profit is ahead of peers; The quality of assets remains stable; The strategy of "two-wheel drive" has achieved remarkable results; Comprehensive strength has been further improved.

15, "Four Omissions": Omission; Dare not do it; Not for; Slow down.

16, the six major risk points of "agriculture, countryside and farmers": selecting good households; Put a good degree; Use good people; No fraud; Strict management; Collect diligently.

17, "three special treatments": special treatment of litigation cases; Special handling of bribery cases; Post-evaluation of centralized procurement.

18, marketing "three can't": can't focus on the market and customers; Unable to compete with peers to grab good customers; Can't compare marketing, innovation, service and sharing with peers.

19, credit business "seven prohibitions"

(a) shall not be transferred by loan. Bank credit business should adhere to the principle of real loan and real payment, pay the loan funds directly to the borrower's counterparty in full, and may not set terms or negotiate to convert some loans into deposits.

(two) shall not be linked to deposits and loans. The loan business and deposit business of banking financial institutions should be strictly separated, and deposits should not be used as a prerequisite for approving and issuing loans.

(3) There is no charge for loans. Banking financial institutions shall not require customers to accept unreasonable intermediary business by issuing loans or providing financing in other ways.