Harbin Bank is the only joint-stock commercial bank with legal personality in Harbin. Established in February 1997, formerly known as Harbin city cooperative bank. On 1998, it was changed to Harbin Commercial Bank, and in 2007 10, China Banking Regulatory Commission approved its name change to Harbin Bank. Under its jurisdiction, there are 18 banks, 2 branches and 120 operating banks, with employees 1872, with an average age of 32. Since its establishment ten years ago, with the strong support of local governments at all levels, regulatory authorities and all walks of life, it has continuously deepened reforms, pioneered and innovated, prevented and resolved risks, improved asset quality, and built core competitiveness, and embarked on a track of sustained, healthy and rapid development. By the end of June, 2007, the total assets were 501.20 billion yuan, an increase of 1.6 times compared with the beginning of its establishment. The balance of various deposits was 41400 million yuan, an increase of 10 times; The loan balance was 27.4 billion yuan, an increase of 8 times; The accumulated profit was 65.438+0.5 billion yuan, a year-on-year increase of 265.438+0 times; The number of customers reached more than 6.5438+0.5 million, an increase of 20 times, the non-performing rate decreased by 80%, and the capital adequacy ratio met the regulatory requirements. In 2006, Harbin Bank was rated as the 30 most competitive city commercial banks in China. In the ranking of China 100 banks published by Banker magazine in 2006, the comprehensive strength ranked 27th, and the national city commercial banks ranked 10. President Guo Zhiwen won the National City Commercial Bank Person of the Year in 2005.

As a local bank, a hometown bank and a citizen bank, Harbin Bank has always regarded supporting the development of local economic and social undertakings as its unshirkable responsibility. Since 2000, more than 30 billion yuan has been invested to support Harbin's development zone, transportation, digital TV, gas, heating, civil air defense projects, electricity, land reserve, postal services, tourism and new urban construction, which has improved people's production and living conditions; Support the development of local social undertakings, undertake the payment of low-income insurance, gold insurance project and gold tax project in Harbin, and make positive contributions to the construction of digital Harbin; Invest 5 billion yuan to support the reorganization, reorganization and transformation of enterprises in Harbin's old industrial base. With the support of Harbin Bank, a number of old state-owned enterprises have rejuvenated and accelerated their development. Support the development of small and medium-sized enterprises, and establish the development idea of "starting from a young age and realizing strength and enlargement" and the business model of "small and medium-sized enterprises with characteristics". Since 2000, more than 30 billion yuan of loans have been granted to small and medium-sized enterprises. With the support of Harbin Bank, a large number of small and medium-sized enterprises have continued to grow and become regional leaders and brand-name enterprises. Harbin Bank is known as "the cradle of small and medium-sized enterprises". Actively support the re-employment project, exclusively offer small secured loans for laid-off workers, and issue a total of 654.38+600 million yuan of small secured loans for laid-off workers to help 60,000 laid-off workers realize their entrepreneurial dreams, which was commended by the State Council. Since 2005, it has taken the lead in developing farmers' loan business among the national city commercial banks, with a total loan of 220,000 households of 5 billion yuan, which directly helped more than 700,000 farmers to increase their income and became another new force in the rural financial market. In 2006, the innovative loan business for small and micro enterprises filled the gap in Heilongjiang Province, and a total of 337 million yuan of micro-loans were issued to 3,948 households, which promoted the development of local private economy and formed outstanding core competitiveness in the field of micro-credit. In the process of developing microfinance, we have strengthened exchanges and cooperation with French Peifeng, American Action International, Grameen Bank and other international advanced microfinance organizations, and upgraded the microfinance business to an international development platform, greatly improving the level of microfinance in China. In 2006, Harbin Bank was rated as an advanced unit of small business loans of national banking financial institutions and won the first United Nations Global Urban Lender Micro-entrepreneurship Award. The supported customers were rated as the first in the service industry of Citi China Micro-Entrepreneurship Award, and many customers became local entrepreneurial stars, which were widely praised by all walks of life.

Harbin Bank strives to build a professional, professional and market-oriented bank, constantly innovating in many business fields and being at the leading level in the industry. The establishment of Harbon bond trading room is unique in the national bond market. Its transaction volume ranks 25th among more than 5,000 financial institutions in China, and ranks first among city commercial banks 10. It is the first-class distributor of the owner's head office in the three northeastern provinces, the settlement agent of the bond underwriting syndicate of the Ministry of Finance, CDB, Export-Import Bank and other most qualified banks. The first bill discount market in Heilongjiang Province was established, and the direct discount amount of bills ranked first among financial institutions in Harbin. It is the first city commercial bank in three northeastern provinces to obtain the right to operate foreign exchange, and its foreign exchange business ranks second in the city. In February, 2004, Shuangyashan City Credit Cooperative was acquired and Shuangyashan Branch was established, which opened the precedent for China City Commercial Bank to set up branches in different places through mergers and acquisitions, and recorded in the history of financial development in China. 65438+On February 20th, 2007, with the approval of China Banking Regulatory Commission, Dalian Branch was established, which marked the development of Harbin Bank entered a new stage.

Harbin Bank always puts risk first. Under the guidance of supervision departments at all levels, we will actively explore the risk prevention mechanisms and methods of modern small and medium-sized commercial banks, introduce the risk management concepts of advanced commercial banks at home and abroad, and innovatively carry out fixed-point clearance and overall shift inspection. Strengthen credit management, establish a credit management mechanism of "separation of examination and loan, grading examination, centralized examination and approval, comprehensive supervision, differential authorization and mutual restriction", effectively control credit risks, and build a risk prevention network with full participation, which has been well received by the regulatory authorities for many years.

In order to meet the needs of China's banking industry's full opening to the outside world, Harbin Bank actively promotes the construction of banks based on international advanced banks. In 2005, it passed the ISO 09000 quality management system certification; Introduced a number of internationally renowned accounting due diligence, science and technology and risk assessment intermediaries, which promoted the standardization and improvement of management level; Establish an advanced performance appraisal system to fully mobilize the enthusiasm of employees; Establish the concept of "people-oriented", put forward the concept of "let the old comrades who have made contributions have no worries and let the young people who have made achievements have a head start", implement the "four batches" project of talent construction, and introduce international experts to carry out employee training, which greatly improves the quality of employees and provides a solid human guarantee for the development of Harbin Bank.

While developing itself, Harbin Bank actively fulfills its corporate social responsibility, supports social welfare undertakings and returns the love of the people in its hometown. Since 2006, it has invested 2 million yuan to sponsor the 29th Harbin Summer Concert. Invested 200,000 yuan to sponsor Heilongjiang Anti-Union Hope Primary School; Invest 654.38 million yuan to help poor college students in Heilongjiang Province realize their dream of going to college; More than 6,543,800 yuan was invested to support the protection of cultural relics in Harbin, and the Harbin Coin Museum was established to promote the development of local financial culture.

The renamed Harbin Bank will continue to adhere to the market positioning of "basing on local conditions, supporting small and medium-sized enterprises and serving citizens", inherit the historical context of Harbin as an international financial capital, actively support the revitalization of old industrial bases such as Northeast China, promote cross-regional operations, form a development pattern of "rooting locally, basing on Northeast China and going to the whole country", meet the challenge of full opening of the financial industry, and strive to build a well-governed, well-capitalized, standardized management and safe operation according to the requirements of a good bank. Regional joint-stock commercial banks with clear market positioning, outstanding business characteristics, good service quality, remarkable economic benefits and strong core competitiveness make greater contributions to social progress.