Brief introduction of zhangjiagang rural commercial bank

Zhangjiagang Rural Commercial Bank is the first local joint-stock commercial bank established by the reform of rural credit cooperatives in China, which was established on 2001127. It has jurisdiction over 1 business department, 34 sub-branches and 5 1 sub-branches, with a total of 86 institutional outlets and more than 800 employees. Since its establishment more than eight years ago, Zhangjiagang Rural Commercial Bank has followed the service concept of "Accompany You, Achieve You", actively played the typical demonstration role of the national rural financial reform "experimental field", solidly promoted the reform and development, significantly enhanced its operating strength, continuously improved its operating quality, greatly improved its profitability, and a number of core operating indicators ranked among the top in domestic commercial banks.

By the end of 2009, the balance of deposits in Zhangjiagang Rural Commercial Bank was 26.225 billion yuan, the balance of loans reached 65.438+0.805 billion yuan, the capital adequacy ratio was 654.38+03.565.438+0%, and the core capital adequacy ratio was 654.38+03.20%. The non-performing loan ratio is only 0.95%, the total annual profit exceeds 600 million yuan, the after-tax profit is 5190,000 yuan, and the after-tax profit per share is 0.96 yuan. Core business indicators continue to maintain the advanced level of domestic commercial banks. From 2006 to 2008, it was rated as a secondary bank in the risk supervision rating of CBRC. In 2007 and 2008, it ranked among the top 50 commercial banks in China for two consecutive years. In 2009, Zhangjiagang Rural Commercial Bank was awarded the honorary title of "Civilized and Standardized Service Demonstration Unit" by China Banking, and was rated as "Top Ten Rural Commercial Banks in China", ranking first in the comprehensive assessment of Jiangsu Rural Credit Cooperatives in 2009. Ranked 49th among the top banks in China 100 selected by British Banker magazine in 2007, and ranked first in the comprehensive competitiveness evaluation of provincial agricultural cooperatives. Former Premier the State Council, Vice Chairman of the National People's Congress Cheng Siwei, Vice Chairman of the China Banking Regulatory Commission Jiang and other leaders visited rural commercial banks for many times and gave positive comments.

As a pathfinder of rural financial reform in China, Zhangjiagang Rural Commercial Bank has been adhering to the spirit of "one step ahead, perseverance", and has been forging ahead and making breakthroughs in various fields of rural financial reform. In 2009, the telephone banking of Zhangjiagang Rural Commercial Bank was upgraded in an all-round way, and the short number "96065" provided customers with more comprehensive services; In the same year, we launched online banking and owner's collection business, and innovated new credit products such as trademark pledge loan and vegetable greenhouse mortgage loan; Launched the "Jujinbao" physical gold business, which is the first financial institution at the same level in China; In the national rural commercial bank system, it is the first to obtain the qualification of fund agency.

Since 2008, Zhangjiagang Rural Commercial Bank has actively and steadily promoted the cross-regional development strategy, transforming from a local rural financial institution to a regional modern rural financial enterprise. It has successively invested in Jiangsu Xinghua Rural Cooperative Bank, Anhui Xiuning Rural Cooperative Bank, Kunshan Rural Commercial Bank and Changchun Rural Commercial Bank, and established Tongzhou Sub-branch, the first rural commercial bank branch in the province, and set up 1 village bank in Shouguang City, Shandong Province and Donghai County, Jiangsu Province as the main sponsor. In 2009, Zhangjiagang Rural Commercial Bank achieved a historic breakthrough in cross-regional development. On June 65438+1October 65438+June, Suyu Sub-branch, the first rural commercial bank branch in northern Jiangsu, was opened, which was praised by leaders at all levels as "the deep charge of cross-regional development" and "the milestone of financial support for North-South linkage". 65438+February 1, the first branch outside the province opened by rural commercial banks in developed coastal areas-Qingdao Jimo Sub-branch of Zhangjiagang Rural Commercial Bank was grandly opened, which marked that Zhangjiagang Rural Commercial Bank set sail for cross-regional development and began to lay out its future on the Chinese map. In 20 10, zhangjiagang rural commercial bank will further increase the pace of cross-regional development, fully promote listing, "base on zhangjiagang, cover Jiangsu province and radiate the whole country", and make great strides towards the goal of regional modern rural financial enterprises featuring small and medium-sized enterprise banks and retail banks.