-65438+ 05th anniversary of China * * * Bank.
The times are developing, society is progressing, and all walks of life are constantly competing. With its own strength, China Everbright Bank has gone through ups and downs in 15. As a staff member of the financial market department of the bank (mainly responsible for investment banking and writing financial analysis reports), I also have deep feelings. ...
The sudden subprime mortgage crisis has gradually developed into an international financial crisis with rare history, strong influence and wide spread. The financial crisis has brought many uncertain and complicated influences to China's economic and financial development, and coping with the challenges of the financial crisis has become the top priority of bank operation in 2009.
According to People's Daily (6th edition, September 07, 2002):
China Everbright Bank, founded on August 1992, is the first national joint-stock commercial bank with state shares and Asian Development Bank. In recent years, China Everbright Bank has set out from the overall situation of reform, development and stability, adhered to the development of integrity, strengthened internal management, devoted itself to the construction of corporate culture, and established a good social image. While providing quality services to customers and supporting the country's economic development, the bank itself has also created excellent performance. By the end of June 2002, the total assets of China Everbright Bank reached 298.6 billion yuan; All deposits reached 26 1, 654,380 billion yuan; The Bank's businesses have achieved rapid development on the basis of compliance, stability and truthfulness. In July, 2002, British Banker magazine recently ranked 65,438+0,000 big banks in the world, and China Everbright Bank ranked 205th. In the past ten years, China Everbright Bank has adhered to the principle of honesty and development, given full play to the characteristics and advantages of joint-stock commercial banks, operated independently, took responsibility for its own profits and losses, developed itself, restrained itself, and took risks at its own risk, constantly strengthened its sense of honesty, firmly established the concept of customer first, safeguarded the interests of depositors, won wide acclaim from customers, and realized the rapid development of various banking businesses.
Quality is the core of modern commercial bank management, which is related to the success or failure of the bank. In order to guard against financial risks and improve asset quality, Everbright Bank strives for quality with honesty, devotes itself to building a credit management culture with risk control as the core, and adheres to a credit policy that favors high-quality customers and honest enterprises. In the first half of 2002, the non-performing loan ratio of the whole bank decreased by 2.85 percentage points, achieving a double decline in the non-performing loan ratio and balance, and further improving the enterprise structure, industry structure and regional structure of loans, laying a solid foundation for the sustained and steady development of China Everbright Bank.
Efficiency is the starting point and destination of bank operation. With a highly responsible attitude towards the country and shareholders, China Everbright Bank adheres to the principle of honesty and efficiency, adheres to the goal of maximizing profits, firmly establishes the concept of efficiency, strengthens cost awareness, constantly creates and improves efficiency, and achieves its own development goals while promoting national economic growth.
Strict management is the guarantee and team building is the foundation. China Everbright Bank adheres to the principle of good faith in its development, closely combines moral construction with standardized management and corporate culture, strives to create a "rigorous, standardized, cautious, honest and innovative" industry style, continuously consolidates and improves standardized management, establishes the brand image of the whole bank, improves the overall service quality, actively carries out activities such as creating "Youth Civilization" and "Civilized Window Demonstration Unit", and constantly strengthens the construction of leadership and staff.
China Everbright Bank, which has experienced ten years of wind and rain, is striding towards a new journey ... Now another five years have passed, and everything is changing and progressing! Obtaining business qualifications such as underwriting short-term financing bonds, enterprise annuities and acting as an agent for central financial payment is only the first step for China Everbright Bank. What really matters is customer marketing and business development. In order to seize the opportunity and develop a group of high-quality and gold-medal customers who support the long-term development of the business, Everbright Bank has taken active actions from the chairman and management team to various departments and branches, and the leaders personally led the team to compete for market share. Such marketing efforts and market momentum are rare in the history of China Everbright in recent years.
Hard work pays off. Everbright Bank's efforts and investment have also paid off handsomely. The following set of data is very telling:
Financial management: By the end of June 2005, China Everbright Bank had sold nearly 20 billion RMB wealth management products and nearly 700 million US dollars of foreign exchange wealth management products, totaling 25 billion RMB. Compared with the sales of 654.38+0.7 billion yuan in 2004, this year's sales increased by nearly 8 billion yuan, an increase of nearly 50%. Driven by strong wealth management business, by the end of June 1 1, the balance of savings deposits of Everbright Bank reached 75.076 billion yuan, an increase of 20.968 billion yuan over the beginning of the year, exceeding the annual plan ahead of schedule. The balance of savings deposits accounted for 65,438+07.35% of general deposits, up 3.34 percentage points from the beginning of the year; Savings deposits account for 45.04% of the increase in general deposits, accounting for nearly half of the country.
Underwriting of short-term financing bonds: After obtaining the qualification of underwriting short-term financing bonds, Everbright Bank has issued nearly 40 billion yuan of short-term financing bonds for many large enterprises such as Minmetals Group, China Unicom, Jiangsu Communications Group and Shenhua Group, accounting for 38% of the total market issuance, with the number of main underwriting projects and the amount of underwriting ranking first. This business not only brings the income of distribution and financial consultant to the bank, but also brings some other income such as trade settlement financing, which has many comprehensive benefits.
Agency financial payment: By the end of 10, direct payment relations have been established with nearly 80 ministries and commissions' first-level budget units and subordinate units, and authorized payment relations have been established with 28 ministries and commissions' first-level budget units and subordinate grass-roots units, with a cumulative centralized payment of163.2 billion yuan. Among them, the direct payment market accounts for 65%, ranking first in the market.
Enterprise annuity: By the end of June, 1 1 had signed cooperation agreements with 14 customers, with a deposit of nearly 300 million yuan.
Yinguantong: By the end of June 1 1, all 30 branches of the bank had opened Yinguantong, with 27 first-class customs offices and 237 customs clearance ports. Among them, the transaction volume of Yinguantong in June was as high as 1. 1 billion yuan, which was 13 times of the total transaction volume in September and June, and the growth momentum was very rapid.
According to preliminary statistics, before 2005 1 1 month, China everbright bank realized the net income of intermediary business of 644 million yuan, an increase of 249 million yuan, or 63%. Among them, the intermediary business income increased by business innovation reached more than 300 million yuan, and the proportion of innovative business income in intermediary business income continued to expand.
As a medium-sized commercial bank, due to the limitation of resources and manpower, it is impossible to make a comprehensive attack on customer marketing. It is necessary to concentrate limited resources, pay attention to selective development, do something and do something wrong, and work hard on the word "fine". Under the background of increasingly homogeneous competition among commercial banks, China Everbright Bank is full of forward-looking scientific decision-making and has made an objective and realistic positioning for the future market choice.
In fact, in the past two years, Everbright Bank has repeatedly seized the opportunity in new business areas, and its leading image has gradually emerged. For example, in the wealth management market, China Everbright Bank has maintained a dominant position since last year, and the concept of "gathering wealth and creating the future" is deeply rooted in the hearts of the people. In many areas, "financial management for everbright" is no longer just a slogan, but has become the consensus of the general public. In addition, China Everbright Bank is at the leading level in domestic factoring, short-term financing bonds, enterprise annuities and other rapidly developing emerging business areas.
According to the national "Eleventh Five-Year" development plan, consumer demand will play a stronger role in stimulating economic growth, and the regulatory authorities also encourage commercial banks to develop more new financial products and expand the depth and breadth of financial consumption. China Everbright Bank vigorously develops private business and wealth management business and promotes business and product innovation, which not only conforms to the national development strategic trend and industrial policy orientation, but also provides increasingly rich new financial products for financial consumers and meets the new demands of financial consumption from all walks of life. "Gathering wisdom and bright future" is the solemn promise and blessing of China Everbright Bank to customers and society, and it also contains the goal and dream of China Everbright Bank to pursue day and night, build a boutique bank, strive for an early listing and connect with international advanced banks.
Everbright Bank, which has always been known for its "innovation" in the industry, has taken a different approach while doing a good job in its daily operations, and designated 2009 as the "Sunshine Service Year" to consolidate its basic service skills. A series of well-planned activities and powerful actions bring a touch of bright color to the industry. It is reported that the "Sunshine Service Year" campaign launched by the bank nationwide is based on the brand concept of "Sunshine in the heart, service in the industry", with the theme of "External service enhances brand and internal service improves efficiency", with the aim of "universal service to branches, differentiated service to employees and all-round service to customers" and the specific requirement of "Sunshine service, daily improvement". By optimizing business processes,
In order to promote and ensure the smooth development of the "Sunshine Service Year", the head office and branches of the bank set up leading groups at all levels, and the president personally grasped them, and established clear assessment methods and inspection and supervision mechanisms. The service score accounts for more than 65,438+05% in the assessment indicators of the Head Office and branches, so as to ensure that it is practical, excellent and practical. The Bank has formulated a unified service standard to standardize and manage the business environment, service quality, counter service and service management of outlets. A complete set of service processes from customer discovery, customer relationship establishment to customer relationship development and deepening has been established, forming a complete cycle system from understanding customer needs to meeting customer needs.
In order to deeply understand and improve the service of the whole bank, the whole bank comprehensively carries out customer satisfaction evaluation, mainly through customer return visits, telephone calls and questionnaires, etc., to timely understand customer expectations and factors affecting customer satisfaction. Externally, we mainly employ independent third-party institutions to conduct customer satisfaction surveys and research, and conduct a "mystery man" inspection on all branches of China Everbright Bank every quarter, covering 65,438+0,000%. Such a large-scale and in-depth service evaluation is rare in the industry. Judging from the current survey results, China Everbright Bank has a certain leading edge compared with domestic peers in terms of customer satisfaction.
In the "Sunshine Service Year" activities, the bank launched a series of "listening plans", which effectively promoted the continuous improvement of service and won the recognition of customers and the market with professional and caring services. First, customers' opinions and suggestions are accepted orally, in writing and electronically through three main channels: counter, telephone and internet, and handled in time; Second, vigorously advocate middle and senior managers to directly provide services to customers and listen to opinions, and carry out the activity of "branch presidents being lobby managers for one day" in business outlets all over the country; Third, listen carefully to employees' voices and give special rewards to employees' rationalization suggestions for improving services.
The above-mentioned series of measures are also the true embodiment of the core concept of the bank's service year activities. The main person in charge of the bank service room said that "sunshine is in our hearts"-meaning that customers are our sunshine and sunshine is in our hearts. We want to provide customers with sunshine-like services, and spread light and warmth to customers through professional and caring services; "Service is good"-It shows that the sunshine service of China Everbright Bank is not only an idea, but also an action, which should be reflected in the action and closely cooperate with the ongoing service year activities.
In recent years, Everbright Bank has made outstanding achievements in business product innovation, such as sunshine financial management, short-term financing bonds, construction machinery mortgage loans, agency treasury payment services, enterprise annuities and other innovative businesses, which have established a good brand image of innovative banks in the industry and among customers, and now service is another breakthrough. Paying equal attention to products and services will inject new vitality into the development of enterprises. "Sunshine is in the heart, good service", China Everbright Bank will take the "Sunshine Service Year" in 2009 as a new starting point, and strive to improve and shape a professional and efficient service brand in three years to build a modern commercial bank with standardized service, high efficiency and high customer satisfaction.
15 years of hard work, 15 years of bright smiles, let our brothers and sisters of everbright join hands and move towards a more brilliant tomorrow. "The sunshine is always after the storm, and the smile is always behind you and me." ...