Jinhua Bank was established in 1997 and 65438+February, with 53 outlets in Jinhua and Quzhou.
Since its establishment 10 years ago, with the correct leadership of Jinhua Municipal Party Committee and Municipal Government and the support of relevant departments and all walks of life, Jinhua Bank has adhered to the enterprise spirit of "pioneering, steady, pragmatic and efficient", adhered to the business purpose of "basing on local conditions, supporting small and medium-sized enterprises, serving the citizens and repaying the society", and relied on the unique geo-economic advantages in central Zhejiang, the perfect first-class legal person system and flexible decision-making mechanism. Give full play to the advantages of short decision-making chain, flexible operation mechanism and high efficiency, constantly innovate financial products and services, and actively provide rich financial services for local small and medium-sized enterprises, key projects, high-tech industries and citizens. More than 30 credit products have been set up successively, such as inventory goods pledge loan, equipment mortgage loan, operating property loan, personal exhibition industry revolving loan, standard factory building mortgage loan, and old village reconstruction supporting loan. It has also established an agency business system focusing on collection and consignment business, and customized a number of financial service packages and more than 20 personal financial service products for the citizens, making positive contributions to the development of regional financial economy. It is a modern commercial bank with sufficient capital, excellent asset quality and standardized management.
Looking forward to the future, Jinhua Bank will continue to firmly position itself in the market, give full play to its advantages, seize opportunities, actively explore differentiated and characteristic development paths, and constantly explore and innovate, striving to become a first-class regional boutique.
Judging from the development of commercial banks, there are two business models of commercial banks. One is the British model. Commercial banks mainly finance short-term commercial funds, which have the characteristics of short lending period and high liquidity. That is, borrowing deposits at a lower interest rate and lending them at a higher interest rate. The deposit-loan spread is the main profit of commercial banks. This business model is relatively safe and reliable for banks. The other one is from Germany, and its business is comprehensive. Commercial banks not only finance short-term commercial funds, but also finance long-term fixed capital, that is, engage in investment banking business.
China implements a separate business model. In order to adapt to the characteristics of separate operation and the development trend of mixed operation in China, the Sixth Session of the Standing Committee of the Tenth NPC passed a decision on amending the Law of People's Republic of China (PRC) Commercial Bank on February 27th, 2003. The new "Commercial Bank Law" revised the relevant provisions of the original commercial bank law that mixed operations were not allowed. On August 29th, 20 15, the 16th meeting of the National People's Congress Standing Committee (NPCSC) deliberated and adopted the "Draft Amendment to the Commercial Bank Law of People's Republic of China (PRC)", which will be implemented on June 30th, 20 15. The amendment made two changes to the original People's Republic of China (PRC) Commercial Bank Law: First, the second item of the first paragraph of Article 39 was deleted; The second is to delete the "loan-to-deposit ratio case" in Item 3 of Article 75. Especially for the second time, the provision that the ratio of loan balance to deposit balance should not exceed 75% was deleted, and the loan-to-deposit ratio was changed from the statutory supervision index to the liquidity monitoring index.