Brief introduction of Nanxun Bank

At present, there are 1 business department, 2 1 sub-branches, 71sub-branches, and 56 1 employees, among whom 325 have bachelor degree or above, accounting for 57.8%. In recent years, under the leadership of current Chairman Guo Liang, Supervisor Pan and Bank Chief Chen Chunfang, the business level and scale have developed rapidly. Our bank always takes "serving agriculture, countryside and farmers, serving small and medium-sized enterprises and serving local economy" as its own responsibility, and always regards "paying attention to people's livelihood and returning to society" as an important social responsibility of enterprises, which has made positive contributions to promoting the healthy, harmonious and all-round development of regional economy and society.

In 2008, after being rated as a provincial civilized unit, the Bank successively won the Special Award for Excellent and Strong Enterprises in Service Industry in Nanxun District, the Special Contribution Award for Service Industry, the Financial Contribution Award in Nanxun District, the Enterprise with Harmonious Labor Relations in Huzhou City, the Advanced Unit for Establishing Advanced Banks, the Advanced Collective of Finance and Trade Unions in Zhejiang Province, and the Top Ten Rural Cooperative Banks. The business department was rated as a provincial civilized and standardized service demonstration unit, and Hefu Sub-branch was rated as a national civilized and standardized service demonstration unit. 20 10 won the national best contribution award for serving the county economy, and the trade union group of the head office was rated as the national model worker.

Brilliant historical achievements stem from constant challenges to the future. From a new and higher starting point, the Bank adheres to the guidance of Scientific Outlook on Development, people-oriented, actively implements cross-regional business strategy, takes the road of differentiation and brand management, further enhances service functions, broadens service fields, innovates service varieties, improves service means, effectively expands brand value and development space, and has the right to create a boutique bank with "flexible mechanism, standardized management, first-class service and excellent reputation" for the regional economy.

20 12 Zhejiang nanxun rural commercial bank co., ltd. adheres to the mission of serving agriculture, rural areas and farmers, adheres to the business philosophy of "thinking what you think and being happy for you" and the core values of "honesty, responsibility, honor and win-win situation", vigorously supports the development of agriculture, rural areas and small and micro enterprises, supports the development of real economy, and strives to realize the * * between banks and society.

1. Support economic development and maintain social stability. (1) Strive to enhance social value. In 20 12, the Bank further improved its management level and strived to enhance its ability to create value for shareholders. In 20 12 years, the total business income reached11890,000 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 the development of regional economy, the bank's own strength has been continuously enhanced, and the tax payment has increased year by year. In 20 12, the total amount of tax actually paid reached 253.69 million yuan, an increase of 6 1.06% compared with 201,of which business tax was 47.76 million yuan and enterprise income tax was13.04 million yuan. The total tax payment ranks in the forefront of the region and won the special contribution award of the district finance.

(2) Insist on serving the development of agriculture, countryside and farmers. 20 12 in order to continuously promote the construction of new socialist countryside, promote the transformation and upgrading of agricultural economy, realize the continuous increase of farmers' income, and maintain rural harmony and stability, the bank has continuously increased its effective investment in supporting rural industrial development and infrastructure construction from the perspective of actively fulfilling its social responsibilities and based on its own purpose of serving agriculture, rural areas and farmers. By the end of 20 12, the bank's agricultural loans amounted to 7.437 billion yuan, an increase of 128 1 10,000 yuan or 208 1% over the previous year. New agriculture-related loans accounted for 78.44% of new loans.

First, around the structural adjustment of rural labor force, increase support for demonstration households in all walks of life. According to the reality of regional economic development, the Bank has launched loans for small farmers, joint guarantee loans, youth entrepreneurship loans, party member entrepreneurship loans and women entrepreneurship loans, actively supporting national entrepreneurship and supporting the transfer of rural labor to non-agricultural industries. At the end of 20 12, the number of farmers' loans reached13,000, and the balance of farmers' loans reached 4.5 billion yuan at the end of the year, accounting for more than 40%.

The second is to promote the process of industrial development with quality services. According to the requirements of agricultural park construction, the bank actively supports the courtyard planting of crops and the standardization transformation of old fish ponds, adheres to the core of economic benefits, and supports benefit agriculture with obvious economic advantages and stable production advantages. By the end of 20 12, 5,552 large aquaculture households had been supported, and the balance of aquaculture loans 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 will vigorously support leading agricultural enterprises with strong relevance and radiation. In 20 12, loans for leading agricultural enterprises were granted at a price of 51670,000 yuan, which led to19,000 households and supported 6 leading forestry enterprises at a price of11000,000 yuan.

Fourth, vigorously support farmers' professional cooperative organizations and improve the degree of organization of rural production and management. In 20 12, * * * provided credit support for turtle breeding, chicken raising, fish farming, vegetable planting, etc. to four agricultural professional cooperatives and cooperative members in the whole region 104. The number of loan households of professional cooperative members reached 3,249, and the loan balance reached 63180,000 yuan.

The fifth is to further promote the project of financial benefiting farmers and optimize the rural financial environment. In 20 12, the 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 activities such as financial services entering villages and communities and financial knowledge sending thousands of miles, so as to better meet the financial needs of farmers. By the end of the year, * * * had newly issued 48,665,438 debit cards and 5,238 credit cards, with Harvest card spending reaching 654.38+08 billion yuan; There are 29 new ARE machines and 96 POS machines 1208 POS machines, and 4734 POS machines, respectively. At the same time, there is an online bank account of 109 18.

The sixth is to further improve the construction of village-level convenience service centers and enhance the convenience of financial services. Further improve the facilities and equipment of service points, and put the first batch of convenience farmers' self-service terminals into pilot projects, which can provide financial information, handle account loss reporting, remittance transfer, account management, passbook replacement, etc. , and gradually promote the development of personal accounts, wages and financial subsidies in convenience service points. 20 12 through the village-level convenience service center, a total of 3656 small withdrawals were made, with the amount of 1.58 million yuan.

(3) Actively support the growth of small enterprises. 20 12 the global economic growth rate has further slowed down, the European debt crisis has continued, and the problem of the survival and development of small and medium-sized enterprises has become more prominent under the complicated situation. According to the changes in the situation, the bank gives full play to its business characteristics and institutional advantages, exerts its good affinity with the local economy, and concentrates on strengthening financial services for small and micro enterprises.

First, carry out in-depth market research and increase marketing efforts. In 20 12, the bank carried out in-depth financial service activities of "entering villages and enterprises", visited 48,462 households and 3,453 enterprises, and held 26 symposiums1time. Through in-depth investigation and analysis, screening and queuing of small and micro enterprises in the service area, we have focused on supporting high-quality small and micro enterprises with good reputation, good economic benefits and good development prospects. By the end of 20 12, the bank's small and micro enterprise loan balance was1034.7 billion yuan, accounting for 95.96% of the total loan balance, an increase of159.2 billion yuan or19% compared with the beginning of the year.

The second is to innovate the loan turnover mode and launch loan renewal. In order to better serve the real economy and effectively solve the financing bottleneck of small and micro enterprises, the bank launched an innovative product "renewal loan" revolving loan to realize the seamless connection between loan maturity and renewal loan, and * * * provided a special credit of 500 million yuan to alleviate the "refinancing difficulty" of enterprises.

The third is to actively promote special credit loans for small enterprises and solve the guarantee dilemma formed by the concentrated outbreak of "guarantee chain". As the first rural financial institution in Huzhou to cooperate with the municipal government to launch special credit loans for small enterprises, the bank has stepped up its promotion efforts. By the end of 20 12, 89 small enterprises had been supported, and 330 million yuan of special credit loans for small enterprises had been granted, with a loan balance of 297 million yuan.

The fourth is to launch "inventory mortgage" loans to solve the problems of increasing inventory, tight liquidity and difficult guarantee. 2012 * *, inventory mortgage loan10.87 billion yuan.

The fifth is to effectively reduce the financing costs of small and micro enterprises. Banks and enterprises are as close as lips and teeth, * * * pleasure. The bank faced up to the temporary difficulties faced by small and micro enterprises with a development perspective, further strengthened the awareness of social responsibility, played the role of interest rate leverage, and made profits to small and micro enterprises with high credit ratings in accordance with the principles of classified guidance and income covering risks, with the annual profit-making amount exceeding 25.22 million yuan.

(4) Continuously improve financial services. 1. Adapt to customers' needs and improve financial services. First, further enhance the international business service capability and enrich the means of customer service. In 20 12, the bank further expanded its network of overseas correspondent banks, and the number of overseas correspondent banks reached more than 1600 at the end of the year, further establishing and perfecting settlement channels and perfecting independent settlement channels in small currencies. At the same time, the Bank strengthened its own construction, further improved its foreign exchange business, and strived to improve the quality of customer service to meet the needs of export-oriented enterprises. At the end of the year, the bank's international business settlement volume reached 650 million US dollars. Second, actively promote RMB settlement of cross-border trade. In 20 12, according to the changes in the trade environment and customer demand, the bank actively promoted RMB settlement of cross-border trade, and further broadened customer financing channels to reduce customer settlement and financing costs based on products. By the end of the year, the settlement volume of cross-border RMB business reached 654.38+27.9 million yuan, a year-on-year increase of 665.438+0.9%. The third is to further enrich the business of wealth management products to meet the investment needs of customers. In 20 12, the bank issued the "golden partner" wealth management product 1 1, raising 628,565,438+00,000 yuan, and at the same time launched the second phase of "Jiashi Xinfu" wealth management product, raising 53.26 million yuan. The fourth is to launch the mobile banking business. At the end of 20 12, our mobile banking system was launched, which enabled rural customers to enjoy the experience of modern financial services and took this opportunity to accelerate the popularization of new terminal channels. The fifth is to further promote the construction of self-service banking network and improve the convenience of rural services. In 20 12, the construction and renovation of seven self-service banks were completed, and convenient financial services such as deposit and withdrawal were further extended to the central village.

2. Promote quality service and improve customer satisfaction.

First, the headquarters moved into a new building, and the service environment and service capacity were further improved. On June 20 12 and 10, our new business building was completed and put into use, which greatly improved our service environment and facilities, further enhanced our service capabilities, and built a new platform for comprehensively serving agriculture, rural areas and farmers, small and medium-sized enterprises and regional economic development. The second is to further optimize the layout of outlets and strengthen the construction of outlets. In 20 12, the bank basically completed the standardized transformation and renovation of its outlets, further unified the style and facilities, and improved the service environment. At the same time, combined with the construction of central towns, we set up institutional outlets and shifted the service focus, and set up five new branches and seven self-service banks in central towns such as Zhili, Sara and Linghu, which effectively expanded the coverage of outlets and extended the service tentacles. The third is to further explore the construction of service supervisors and lobby managers, carry out special training, accelerate the transformation of outlets to marketing services, and strive to improve customer satisfaction. The fourth is to carry out the activity of "Imagine Unlimited, Innovate Service Year" and continue to promote civilized and standardized services. On 20 12, Shi Lian Sub-branch of the Bank was awarded the title of civilized and standardized service demonstration unit of provincial banking industry, and Linghu Sub-branch was awarded the title of civilized service demonstration unit of provincial rural credit cooperatives.

(v) Strive to enhance brand value. In order to give full play to its role and advantages, further enhance the effect of supporting agriculture and supporting small businesses, enhance brand influence, and expand development space, especially to increase support for agriculture, rural areas and farmers and small businesses in a wider scope, in a wider field and at a deeper level, the Bank actively explored cross-regional operations and officially opened a branch Fuyang Branch in Hangzhou on 20 12. At the same time, the establishment of village banks in batches was approved by the China Banking Regulatory Commission, and the preparatory work for five village banks in Anhui and Zhejiang started smoothly.

Second, adhere to compliance management and maintain the reputation of the industry. (1) Adhere to compliance management. Preventing and controlling risks is the premise for banks to survive, fulfill their social responsibilities and maximize shareholder value. Under the trend of rising market risks, the Bank has continuously improved its risk management system, implemented a comprehensive, whole-process and all-staff risk management strategy, and further strengthened legal compliance management. First, the whole chapter is organized. In 2065438+2002, the Bank evaluated various management systems and found that there were defects or did not meet the latest regulatory requirements, and revised and improved them in time. In the past year, * * * revised 45 systems. The second is to advocate the practice of honesty and compliance and promote the construction of compliance culture. We will further improve our work style, run the compliance culture through the daily operation and management process, and establish a long-term mechanism for risk prevention through activities such as democratic appraisal of work style, collection of "reasonable suggestions" and selection of integrity and compliance practitioners. The third is to adjust the management structure and optimize the marketing management model. In order to improve the service level and strengthen the management efficiency, in 20 12, the bank implemented the separation of corporate business and personal business, adjusted the account manager accordingly, and adjusted the organizational structure of institutions in different places. Improve the unified department setting and establish a branch management system.

(2) Strengthen internal control management. First, a comprehensive risk investigation was conducted. A comprehensive investigation was conducted on the potential risks in key areas and key links of case prevention and control, such as key businesses, key personnel and key institutions with great potential risks. Carry out special inspections such as teller's self-operated business, pledge management, and large deposit and withdrawal authorization. The second is to organize employees' business behavior survey. Focus on investigating violations such as employees' participation in private lending and high-interest lending, and pay close attention to whether internal employees participate in private lending activities. The third is to carry out tax risk assessment activities to promote legal and compliance management of fiscal and taxation affairs. The fourth is to further strengthen audit supervision, inspection and rectification, and strengthen the application of audit results.

(3) Improve information disclosure. The Bank attaches great importance to information disclosure and strives to ensure its timeliness, fairness, truthfulness and completeness. 20 12, the bank hired an intermediary agency Tongfang Certified Public Accountants to conduct an annual audit, and then publicly disclosed the annual information disclosure report in Shanghai Finance News.

(4) Popularize legal knowledge. 20 12, the 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. Second, continuously maintain and improve the internal compliance website, timely release the latest laws and regulations, compliance cases and risk warnings, regularly compile audit inspection cases, and strengthen the popularization of legal and compliance knowledge. Third, in combination with the activity of "sending financial knowledge to thousands of miles", we will actively send financial knowledge and knowledge of laws and regulations to communities, enterprises and schools to promote the popularization of legal knowledge.

(5) standardize business operations. In 20 12, under the deployment and supervision of the higher authorities, the Bank carried out standardized business activities, further strengthened the management of deposits and loans, publicized the charging items, strengthened the charging management, corrected unreasonable charges, and strictly implemented the "seven prohibitions", "seven norms", "four principles" and "four publicity" proposed by the CBRC, thus contributing to maintaining the reputation of the industry.

Third, protect the rights and interests of employees (1) and provide employment opportunities. According to the needs of business development, the Bank actively provides jobs to the society through various forms. 20 12 bank * * * provides 73 official posts to the society, and the salary of employees is higher than the local average wage level of the same industry.

(2) Improve the quality of employees. The Bank adheres to the "people-oriented" development strategy, adheres to the principles of internal training and external recruitment, and accelerates the construction of talent team. The first is to promote the "training camp plan" for talent training. On 20/0/2, the second batch of "Xunying Plan" was launched, and eight young employees were included in the practical training plan. The second is to carry out in-depth competition for posts, and create a good environment of "capable people are on the job and mediocre people are flat". Three competitive recruitment activities were organized throughout the year, and * * * provided 24 branch presidents, assistants and above positions and 2 institutional management positions. At the same time, 25 cadres above assistant were exchanged, including full-time cadres 10 and 60 cadres above assistant. The third is to establish a market-oriented employment mechanism to fully mobilize the enthusiasm of employees. After the training, the recruiter will go to the business department of the head office for multi-job training. The business is in urgent need of talents, and the recruitment is open to the public. Implement the labor contract system for all employees and establish and improve the employee incentive mechanism. The fourth is to implement hierarchical training to improve job adaptability. In 20 12, our bank * * * carried out 36 batches of training for network leaders, chief accountants, service directors and account managers, which effectively improved the quality of the team. Meanwhile, by the end of 20 12, 17 people had been sent to study MBA and EMBA.

(3) Improve welfare security. First, strengthen short-term incentives by establishing a performance appraisal system. 20 12, the bank developed its own performance appraisal system and put it into trial operation, rewarding those who are "diligent and hardworking" according to their performance and strengthening their incentives. The second is to establish a long-term incentive mechanism. In 20 12, the bank established an equity incentive mechanism, * * * implemented equity incentives for 107 cadres and employees, and established systems such as supplementary medical fund for employees, enterprise annuity and supplementary housing accumulation fund.

(4) Enrich the cultural life of employees. In 20 12, the bank accelerated the construction of corporate culture, hired a professional corporate culture consulting company for in-depth analysis and refining, and accelerated the landing of culture, so that the corporate mission of "serving agriculture, rural areas and farmers" and the business philosophy of "thinking what you think and being happy for you" were deeply rooted in the hearts of the people, and the mental outlook of employees was completely new. At the same time, a variety of cultural and sports activities were carried out. First, activities such as employee physical examination, condolences to retired employees, New Year's Eve party, and birthday greetings were carried out, which effectively enhanced the cohesion and team spirit of employees. Second, public welfare activities such as blood donation, long-distance voluntary labor, and celebrating the "August 1" police-civilian joint construction were carried out to guide employees to actively fulfill their social responsibilities and cultivate a sense of public welfare and responsibility. The third is to send programs to participate in the provincial youth sitcom competition and win the second prize.

Four. Support environmental protection The Bank actively advocates energy conservation, emission reduction and environmental protection. In terms of self-consumption, firstly, the OA automatic office system was officially launched on 20 12, which realized paperless office and online approval and circulation of business processes, saving manpower and consumables; Second, the code of conduct for employees has been formulated, with strict economy and opposition to extravagance and waste; Third, the management system of the new building has been formulated, and the management and control of office facilities and decorative light sources have been strictly controlled to save energy consumption. In terms of credit orientation, based on green credit, we should pay close attention to energy-saving policy orientation, strengthen analysis and research, voluntarily withdraw from industries with high energy consumption and high pollution, use credit leverage, focus on supporting independent innovation, energy conservation and environmental protection, and circular economy projects, and strive to build a long-term mechanism of "green credit" to support ecological environment construction.

Verb (the abbreviation of verb) has contributed to society for 20 12 years. The Bank adheres to the core values of "honesty, honor, responsibility and * * * win", adheres to the concept of "repaying society and benefiting society", actively undertakes social responsibilities and strives to promote the harmonious development of society. While constantly improving and enriching its business types and enhancing its ability to serve the society, the Bank has been persistently committed to activities such as aiding students, helping the poor and making charitable donations. Donated 6.5 million yuan to charity in 20 12. At the same time, the bank actively participated in community building, the first grassroots diligent and honest culture selection performance, "Charity Day Donation" and other activities, and also organized party member cadres to carry out "Double Ten Million Pairs" activities in send warm.