Introduction to Yuxi Commercial Bank

On May 26, 2006, Yuxi Commercial Bank opened for business. In the Spring and Autumn Period, the horse and whip are vigorously carried out. Today, Yuxi Commercial Bank has gradually developed from a relatively small urban credit cooperative into a joint-stock commercial bank that has begun to take shape and operates steadily.

Over the past year, we have continuously improved corporate governance and established an organizational structure with the shareholders' meeting, board of directors, board of supervisors and senior management as the main body; we have continued to expand business areas, and all businesses have continued to develop steadily, with financial strength and profitability. Capabilities have been significantly enhanced; risk prevention capabilities have been continuously improved, and a comprehensive risk management system covering credit risk, market risk, and operational risk has been initially established; outlet layout has been continuously optimized to form a service network based in the central city of Yuxi and gradually radiating to counties; continuous shaping The brand image, "Yuxi people's own bank" is gradually gaining popularity.

Yuxi City Commercial Bank is rooted in the local area, contributes to the local area, and earnestly fulfills its solemn promise of "serving the local economy, serving small and medium-sized enterprises, and serving the general public." At present, there are 9 branches in Yuxi City with reasonable network layout and unique services.

Yinhe Branch: Taking door-to-door service as the entry point for business expansion

Yuxi City Commercial Bank Yinhe Branch is located in the lower section of Yuxing Road. Its predecessor was Yuxi City Credit Union Yinhe Branch. In May 2007, it was renamed as Yuxi Commercial Bank Galaxy Branch. On July 16, 2001, Yuxi City Credit Union Yinhe Club moved here and opened its doors. There are many high-rise buildings here, and it is called "Yuxi Financial Street" by the common people. Several state-owned commercial banks in Yuxi City are gathered here. The Galaxy Branch of Yuxi City Commercial Bank is like a dwarf among the tall.

In the face of such powerful competitors and fierce market competition, how can we remain invincible and gain a firm foothold? This is the question that young president Li Yuhong is racking his brains on, and it is also the most important question for the majority of employees. concerns. The position they gave themselves at that time was to "seize businesses that other big banks did not pay much attention to, focus on customers, and provide door-to-door services." For example, in the urban-rural fringe area far away from the central city, even if it is a statement or a check, as long as the customer calls, the service will be provided on the premise that the risk is controllable. Won the support of customers with high-quality service. In the past four years, in accordance with the idea of ??"based on Yuxi urban area, serving citizens, and supporting the development of local small and medium-sized enterprises", they focused on various work goals and tasks, paid close attention to internal management, and actively expanded external business. The development of the branch has entered a new stage. Steps: The deposit business is growing rapidly; the number of customers is increasing day by day.

In May 2006, Yuxi Commercial Bank was established, creating a new platform for the business expansion of Galaxy Branch. On the basis of fully summarizing past development experience and in-depth analysis of current operating conditions, they formulated the overall development goal for the three years from 2006 to 2008: to maintain an average annual increase in deposits of more than 50 million yuan, and strive to achieve a balance of various deposits by the end of 2008. 350 million yuan. The overall idea: Strictly follow the requirements of the Scientific Outlook on Development, base on the market positioning of "citizen banks, municipal banks, municipal-enterprise banks", give full play to the own advantages of local joint-stock commercial banks, actively adjust the deposit structure, and stabilize and expand the deposits of large households. The core of increasing deposits is to vigorously develop small and medium-sized deposits as a guarantee for stable deposits, gradually enhance deposit stability, be truthful and pragmatic, pioneer and innovative, and continuously improve management and service levels, so as to bring various businesses and development to a higher level.

Making every effort to organize deposits and provide good service is the foundation of the bank's survival. In order to ensure the implementation of the central work of "stabilizing and increasing deposits", an assessment team was established to formulate effective performance appraisal methods, which further stimulated the enthusiasm and initiative of the majority of employees to obtain deposits; two employees with strong comprehensive business qualities were selected to strengthen Door-to-door service enhances the initiative and enthusiasm for contacting customers, improves service quality and work efficiency, wins the trust and support of customers, establishes a good external image, and enables further development of various businesses.

As of the end of 2006, the five-day average deposit balance for the whole year was 233 million yuan, an increase of 21 million yuan over the previous year. It has successfully completed the indicators issued by the head office, and by paying close attention to internal management, there were no cases or major incidents throughout the year. Errors and accidents occurred, and safe and stable operations were achieved.

Tonghai Sub-branch: Deposits have increased significantly, and the ability to support local economic development has been continuously enhanced

Deposits are the basis for the survival of the bank, and it is also the work that Tonghai Sub-branch is constantly working on. They took advantage of the establishment of Yuxi Commercial Bank and cooperated with the head office's publicity to increase publicity efforts. Made a special broadcast on Tonghai TV to expand the bank's popularity, promote the flexibility and convenience of Tonghai Sub-branch as a local bank, actively seek support from government departments, expand the bank's influence among small and medium-sized enterprises and individual industrial and commercial households, and continuously improve Tonghai In order to improve the credibility and popularity of the branch, we actively collect deposit information, tap the potential of each employee, and do a good job in customer contact, laying a solid foundation for stabilizing and increasing deposits. In 2006, Tonghai Sub-branch achieved great development. At the end of December, the balance of various deposits was 193.89 million yuan, an increase of 67.43 million yuan from the beginning of the year, an increase of 53.32%; the five-day average deposit balance for the whole year was 151.51 million yuan, an increase of 36.8.

Loans are the foundation of bank development. Tonghai Sub-branch takes advantage of the flexible characteristics of local financial institutions and combines the advantages of Tonghai, a strong industrial county, to continuously strengthen bank-government collaboration and bank-enterprise cooperation, closely focus on the government's industrial orientation and infrastructure construction, provide good financial services, and invest in deposits and loans that are in line with National industrial policies strictly control loan risks.

Risk prevention is the main task of commercial banks. Tonghai Sub-branch strengthens risk prevention management, strictly implements the country's financial policies and financial regulations, further improves the internal control system, and greatly reduces credit risks through cooperation with guarantee companies.

In 2003, the Tonghai Branch of Yuxi Commercial Bank established a cooperative relationship with Tonghai Integrity Guarantee Company, which was established under the leadership of the Tonghai County Government. They provide financing guarantees through mutual recommendation and cooperation, opening up a new guarantee channel for small and medium-sized enterprises in Tonghai County who have financing difficulties.

Small and medium-sized enterprises have difficulty in financing. Banks and guarantee companies conduct surveys on corporate financial management, sources of raw materials, product sales, market conditions, and the professional ethics and creditworthiness of corporate managers to provide detailed and credible information for bank loans. The guarantee company will provide detailed and credible information to companies that need loans. Credibility guaranteed. From 2004 to 2006, Tonghai Chengxin Guarantee Company provided a total loan guarantee of 11 million yuan for Yunnan Tonghai Hot-tie Steel Plant. In addition, it also provided loan guarantees for some enterprises with a certain scale and a relatively high degree of industrialization in Tonghai, such as Jingcheng Industry and Trade Co., Ltd. and Yunnan Hongbin Green Food Co., Ltd., which effectively supported the economic development of Tonghai County. Due to the honest cooperation between banks and guarantee companies, their complementary advantages have promoted the common development of the businesses of both parties. The guarantee company focuses on solving the problem of guaranteeing credit funds for small and medium-sized enterprises, cultivating high-quality customers for banks, forming a pattern of mutual support, mutual benefit, and common development, and establishing a long-term and effective cooperation mechanism between companies, banks, and enterprises. .

In 2006, the bank issued a total of 135.9 million yuan in loans, strongly supporting Tonghai’s economic construction and financial resources cultivation, and further playing the role of a local bank. In March this year, it was commended by the Tonghai County Party Committee and County Government as “ Develop advanced industrial and economic units.” After a year of hard work, the bank's business has continued to expand, deposits and loans have grown steadily, and its ability to support local economic development has continued to increase.