He has worked in Zhangjiakou Bank for over 13 years.
According to the data, Zhangjiakou Bank was established on March 8, 2003, and it is the only local joint-stock commercial bank in Zhangjiakou. Three years after its establishment, Mei Aibin joined the Bank in June 2006 as the president. At that time, the name of Zhangjiakou Bank was Zhangjiakou City Commercial Bank.
Before entering Zhangjiakou City Commercial Bank, Mei Aibin worked in Zhangjiakou Local Branch of China People's Bank. According to the data, Mei Aibin is from Zhuolu County, Zhangjiakou City. Born in April, 1966, master, served as deputy section chief of Zhuolu County Planning Commission. Member, Chief, Vice President and President of the Comprehensive Planning Unit of Zhuolu County Sub-branch of China People's Bank; Director of the Office of Zhangjiakou Central Sub-branch of China People's Bank, Member of the Party Committee and Secretary of the Discipline Inspection Commission.
According to public information, Happiness Consumer Finance is the first licensed consumer finance company in Hebei initiated by Zhangjiakou Bank, UCAR and Blue Whale Holdings. After the capital increase, the current registered capital is 637 million, of which Zhangjiakou Bank holds 47. 1%, making it the largest shareholder. 2065438+June 2007, Happiness Consumer Finance was approved to start business, with Mei Aibin as the first chairman. After the expiration of his three-year term, Mei Aibin stepped down as the chairman of Happiness Consumption Fund from 2065438 to July 2009, but continued to serve as its director and party secretary.
Official website shows that Zhangjin Holdings was established on 20 16, and is a comprehensive state-owned financial holding group led by Zhangjiakou Municipal Government. Its business scope covers banks, funds, equity investment, asset management, financial technology, credit reporting, factoring and other financial formats. Zhang Holdings holds 65,438+09.9% shares of Zhangjiakou Bank, making it the largest shareholder of the bank. The shareholding ratio far exceeds that of Zhangjiakou Tongtai Holding Group, the second largest shareholder (7.09%).
From the perspective of business development, since its establishment, Zhangjiakou Bank has a strong development momentum, and its income and asset scale have been expanding. According to the latest semi-annual report, by the end of June this year, the total assets of Zhangjiakou Bank had reached 255.6 billion yuan, an increase of 12.90% compared with the beginning of the year, and its asset scale ranked second among1/city commercial banks in Hebei Province. Total loans and advances12061800 million yuan, an increase of122.95 million yuan, an increase of1.35%; Total liabilities were 239.27 billion yuan, an increase of 281.1.90 billion yuan or 3.32% compared with the beginning of the year. In this year's epidemic situation, it is not easy to maintain the double-digit growth rate of many indicators.
Mei Bin has repeatedly mentioned the professional team of loan officers set up by Zhangjiakou Bank in public. On resolving the problem of' excess capacity', Mei Aibin said that the Bank has clearly defined the development direction of enterprises to resolve excess capacity, and mainly found the problems existing in the transformation through the professionalism of the credit staff. Through our investment and intimate service, with the help of various financial products, we can optimize the financial situation of enterprises and reduce the financing cost of enterprises. In addition, effectively use diversified customer resources, introduce non-bank financial institutions and large group customers, help enterprises expand their transformation thinking, seek strategic cooperation, and design diversified and professional transformation plans for enterprises. "
Regarding the adverse risk pressure brought by supporting the financing of small and medium-sized enterprises, Mei Aibin said that the bank has a dedicated line and a managed credit team, and follows the working principle of "one enterprise, one policy". Loan officers who have been deeply involved in many different fields for many years will take the initiative to come to the door, tailor financing services for SMEs, and actively help enterprises manage cash flow in the process. At that time, mei aibin once said l.
According to public information, Hebei Bank was established on May 28th, 1996. It is one of the first five pilot city cooperative banks in China and the earliest city commercial bank in Hebei Province. At present, 13 branch-level institutions and 250 business outlets have been established. In addition, three holding subsidiaries have been established: Yinji Financial Leasing Co., Ltd., Pingshan Xibaipo Yinji Village Bank and Xinjiang Yuli Darcy Yinji Village Bank.
According to the latest data of Hebei Bank's semi-annual report in 2020, as of the end of June this year, the bank's total assets were 343.663 billion yuan. In the first half of this year, the operating income of Hebei Bank was 4.445 billion yuan, a year-on-year increase of 265,438+0.08%; The net profit returned to the mother 12. 1 1 100 million yuan, up 4.94% year-on-year. By the end of June this year, the capital adequacy ratio of Hebei Bank was 65,438+03.78%, the tier-one capital adequacy ratio was 65,438+065,438+0.57%, and the core tier-one capital adequacy ratio was 65,438+065,438+0.53%. The latter two indicators have increased compared with the end of 20 19. In terms of asset quality, the semi-annual report did not disclose the non-performing loan ratio. At the end of 20 19, the NPL ratio of the Bank was 1.84%, which was 0.69 percentage point lower than that at the end of 20 18.
According to industry insiders, the local industrial structure in Hebei is facing transformation, and the competitive pressure of small and medium-sized banks is also increasing. Under the influence of the above factors, the pressure of Hebei Bank's follow-up business development should not be underestimated. As a local city commercial bank, Hebei Bank has assets of more than 360 billion yuan, which can further enhance its competitiveness and realize light transformation through listing. The banking industry in Hebei also needs such influence, which of course needs the active promotion of the new senior management team. '
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Related questions and answers: How to activate the Meituan Credit Card of Zhangjiakou Bank? These channels can be jointly signed by Zhangjiakou Bank and Meituan, and friends from Zhangjiakou, Shijiazhuang and Chengde can apply on Meituan APP. Don't forget to activate the credit card after successfully approving the card, otherwise you can't spend it by credit card. Next, let's introduce the activation of the joint card of the US Mission of Zhangjiakou Bank. 1. How to activate the US Mission Co-branded Card of Zhangjiakou Bank? This Meituan co-branded credit card can be applied online and offline, but the application channels are different and the activation methods may be different. Friends who apply for a card at a bank outlet offline can activate it by themselves after getting a credit card, because applying for a card is equivalent to face-to-face signing. Activation channels include mobile banking, online banking and telephone banking. However, if you apply for a credit card online, you may need to go to a bank outlet for a face-to-face interview to activate the credit card. After the interview, you can choose any way to activate. It should be noted that the Meituan Credit Card of Zhangjiakou Bank cannot be signed or activated by others, but must be activated by the applicant himself with the original ID card and credit card at the bank outlet, or through mobile banking, online banking and telephone banking. 2. What should I do if the activation of Zhangjiakou Bank Meituan co-branded card fails? 1) is not eligible for activation: this is mainly determined according to the application channel. For example, the first online card application may require an interview before it is activated. 2) Error in verification information: offline activation to outlets is usually operated under the guidance of tellers, and the probability of failure is relatively small; If it is other activation channels, it is necessary to ensure that the applicant's valid ID information, the verification code of the reserved mobile phone and the credit card number are correct. 3) beyond the activation period: if the bank sends a text message to specify the activation period, it must be activated within this period; If there is no activation time, the card should be activated before it expires.