Business dynamics of Tai’an Commercial Bank

Introducing chattel pledge credit products

In order to enrich business varieties, integrate customer resources, improve asset quality, reduce credit risks, and further improve the high proportion of guaranteed loans and low proportion of mortgage loans According to the current situation of business innovation, the company's business department designed and launched chattel pledge credit products based on market demand and drawing on peer experience.

In order to cooperate with the promotion of new products, Tai'an Bank has carried out comprehensive cooperation with Shandong Desheng Asset Supervision Service Co., Ltd. and entrusted it to handle pledged movable property supervision business. Tai'an Bank first piloted chattel pledge credit products in Chengdong Branch and Yingsheng Branch. After active market research and marketing by the branches in the early stage, on January 7, 2009, the two branches used the company's raw materials composite aluminum coils and insulator semi-finished products respectively. Chattel pledge guarantee provided credit facilities of RMB 2 million and RMB 5 million to Shandong Heyuan Machinery Technology Co., Ltd. and Shandong Ruitai Glass Insulator Co., Ltd. respectively.

Create a safe card usage environment

In order to conscientiously implement the spirit of relevant documents of the Shandong Provincial Banking Regulatory Bureau and the Shandong Provincial Banking Association, effectively prevent and combat risk crimes in bank card business, and regulate banks In order to maintain order in the card market, Tai'an Commercial Bank has conscientiously carried out special activities to "standardize bank card business and optimize the credit card environment" based on actual conditions. Tai'an Commercial Bank promoted this special event through a variety of channels, clarified the theme and slogan of the campaign, hung banners in front of all branches, and placed leaflets on safe card use at each business outlet. Release, distribute to customers, and promote through existing newspapers, radio stations, TV stations and other resources; Tai'an Commercial Bank uses its own SMS platform and website to send "safe card use" promotional SMS messages to cardholders, special merchants and other groups. It also promotes "standardizing bank card business and optimizing the credit card environment" and "creating a safe card use environment and providing efficient and convenient services", introducing safe card use knowledge to customers and reminding customers of card use risks.

Through the implementation of this special activity, it not only standardizes the bank card business, but also improves the security of customers' card use and creates a safe and good card use environment for customers. I believe that under the correct leadership of the China Banking Regulatory Bureau and with the strong cooperation of the Banking Association, through the implementation of this special activity to standardize bank card business and optimize the card usage environment, we will further prevent the occurrence of bank card risks and promote bank card merchants. Operate in compliance with laws and regulations, effectively prevent credit card cash-out risks, form a social environment for standardized card issuance and compliant and safe card use, and promote orderly competition and sustainable and healthy development of the bank card market.