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Overview of Yichuan Rural Commercial Bank
Head office of Yichuan Rural Commercial Bank 1 1 functional department. Namely: market management department (including SME department, corporate business department, personal loan business department and farmer business department), risk management department (including asset insurance department), financial accounting department, audit department, fund operation department, international business department, bank card business department, office, human resources department, security department and science and technology information department. There are 383 registered employees in the whole bank.

Yichuan Rural Commercial Bank has vigorously promoted innovation, strict daily management, and paid close attention to profits and benefits. The scale of deposits and loans has increased rapidly, and the operating profit has doubled, achieving stable, healthy, effective and rapid development.

Yichuan Rural Commercial Bank has been awarded as a "civilized unit" by the provincial party committee and government, the "best health unit at the provincial level" by the provincial Ivy Association, the "May 1st Labor Award" by the Luoyang Municipal Party Committee and Municipal Government, the "Top Ten Units in Professional Ethics Construction" by the Luoyang Federation of Trade Unions, the "Best Service Unit in Supporting Agricultural Industrialization" and the "Advanced Unit in Supporting Private Economy" by the county party committee and government.

In 2009, Yichuan Rural Commercial Bank won the first place in the comprehensive assessment of rural credit cooperatives in Henan Province and the advanced unit of operating efficiency, the advanced unit of promoting bank cards at county level in Luoyang City and the "Rural Payment Channel Construction Award", the advanced unit and reform and innovation award of Luoyang Rural Credit Cooperative Office, the "2009 Special Award for County Party Secretary and County Governor" and the "2009 New Loan Award for Financial Institutions" by Yichuan County Party Committee and county government. It was awarded as "the most influential enterprise in China 100, 2009" by the "2009 China Enterprise Impact Overall Evaluation List" jointly sponsored by China Enterprise and the State Council SASAC Research Center.

At present, it has 37 business outlets, including business department 1 one, 27 grass-roots branches, 9 sub-branches and 388 employees. By the end of 20 14, the balance of various deposits was14.533 billion yuan, the balance of loans was 9.379 billion yuan, the non-performing loan ratio was 0.77%, the income was1/0.33 billion yuan, and the operating profit was 505 million yuan. The tax payment was 65.438+0.5 billion yuan, ranking first in the county; Deposits and loans account for 70% and 68% of the market share of Yichuan Bank respectively. According to Basel Accord, the capital adequacy ratio is 16.7 1%, the core capital adequacy ratio is 15.63%, the provision coverage ratio is 1252.23%, and the loan provision ratio is 9.6 1.