Dazhou Bank was established on February 23, 2009, 65438. It is a local joint-stock financial institution initiated by Dazhou financial institutions, enterprises and natural persons and restructured on the basis of the original Dazhou urban credit cooperatives. With a registered capital of 3 billion yuan, it has 7 first-class branches and 28 second-class branches with 786 employees. By September 2020, the bank's total assets will reach 70.2 billion yuan, with 45.4 billion yuan in various deposits and 26 billion yuan in various loans. It has achieved no cases, no accidents and no major mistakes, and maintained the record of safe operation since its establishment.
I. Main business
1. Absorb public deposits, issue short-,medium-and long-term loans, handle domestic settlement, handle bill acceptance and discount, issue financial bonds, issue, honor and underwrite government bonds, buy and sell government bonds and financial bonds, engage in interbank lending, engage in bank card business (excluding credit cards), provide letter of credit services and guarantees, act as an agent for payment and insurance agency business, and provide safe deposit box services, which are supervised and managed by the banking industry.
2. In addition to the normal deposit and loan business, Dazhou Bank also launched a number of "standardized, characteristic and localized" financial products, which quickly integrated into the overall situation of local economic development. In terms of personal deposits, special deposit businesses such as "Duolibao", "Duolishun", "Le Huicun" and "Happiness Smart Deposit" were launched to serve local citizens; In terms of business, the company launched the "golden phoenix" series of loan products to play the role of financial services to the real economy and help the development of local small and medium-sized enterprises; In terms of bank card business, Dazhou Bank has gone deep into the local area and launched special cards such as Platinum Card, Provident Fund Fontaine Card and Social Security Card to facilitate citizens' lives.
Second, the development strategy
Combined with the national 13th Five-Year Plan, based on the domestic economic and financial reform and opening-up trend and policy orientation, as well as the research on the development trend of economic and financial markets, and referring to the domestic good quantitative index system of city commercial banks, this paper analyzes the challenges and opportunities that Dazhou Bank faces during the planning period, defines its own mission and responsibilities, and according to the strategic intention of Dazhou Bank's board of directors, formulates the "Five-Year Strategic Plan 2017-202/KLOC-". The guiding ideology, business objectives, key strategies, implementation measures and important indicators put forward in the five-year strategic plan will guide the development direction and business guide of Dazhou Bank in the next five years, and it is also the action program for all employees of Dazhou Bank to work together.