By the end of April 20 1 1, the registered capital of the whole bank was 5 billion yuan, with nearly 350 business outlets and more than 5,000 employees. By the end of 20 1 1, the total assets of Shanghai Rural Commercial Bank were about 280 billion yuan, and the balance of various deposits had exceeded 220 billion yuan. By the end of 2009, the balance of various loans was11861500 million yuan, and the profit before provision was 2.805 billion yuan. According to the statistics of British Banker magazine, Shanghai Rural Commercial Bank ranked 235th among the top global banks in 20 1 1 000. Ranked 19 among all the short-listed banks in China.
With the strategic goal of "building into a regional convenience bank with perfect corporate governance, reasonable institutional layout, complete business functions, sufficient capital, fine management, controllable risks and excellent performance", Shanghai Rural Commercial Bank insists on taking "agriculture, rural areas and farmers", small and medium-sized enterprises and community residents as its main customer groups, giving full play to its distinctive advantages, adjusting its structure to promote development, strictly managing against risks, grasping the image of a service tree, strengthening the foundation and pushing forward reforms, and striving to comprehensively improve its management level and market competitiveness. Shanghai Rural Commercial Bank constantly innovates financial products supporting agriculture to meet the development needs of agriculture, rural areas and farmers, such as actively exploring the loan business of farmers' professional cooperatives; Cooperate with Shanghai Agriculture Committee, Anxin Agricultural Insurance and China Insurance to improve various forms of guarantee systems such as enterprise guarantee, government guarantee fund and unlimited personal liability, and effectively solve the financing problem of farmers' professional cooperatives. In 2009, the total amount of loans granted by farmers' professional cooperatives was 3.06.
1 billion yuan.
At the beginning of 2009, Shanghai Rural Commercial Bank established Chongming Changjiang Village Bank, the first village bank in Shanghai, to increase financial services to suburban rural areas. In July, we took the lead in promoting the theme credit card "Nong Xin Card" and special loans for family farms in China, which truly implemented the financial support for agriculture, rural areas and farmers. Shanghai Rural Commercial Bank has successively developed a series of financial service products, such as small business real estate mortgage credit business, revolving loan, small business legal person account overdraft and so on. , promote the design of characteristic product portfolio and the construction of characteristic business platform, carry out pilot projects of investment and financing business for small and medium-sized science and technology enterprises, and establish a small enterprise financing research center in cooperation with universities. By the end of 2009, the balance of national standard credit business of small enterprises was 64.338 billion yuan, accounting for 74.8 1% of the total balance of self-operated loans of the company.
These products and measures have been welcomed by customers and praised by the regulatory authorities and the market. Shanghai Rural Commercial Bank was rated as an advanced unit for small enterprises in the national banking financial institutions in 2006 by China Banking Regulatory Commission. It was awarded as "Excellent Service Bank for Small Business Customers" at the Second Small Business Finance Trade Fair in Shanghai. At the same time, two products, "small business real estate mortgage credit" and "small business revolving loan", were rated as "excellent brands of small business finance". Shanghai Rural Commercial Bank is committed to providing convenient, convenient, personalized and intimate financial services for community residents. Financial convenience store is an innovative financial service network, which combines self-service machines with manual services. Its functions cover the four-in-one self-service bank, personal loan service center, personal financial management center and business marketing center. Nowadays, community residents near financial convenience stores can not only enjoy 24-hour self-service, but also get wrong and delayed financial services after work.
The "Xinyi Wealth Management" series of wealth management products launched by Shanghai Rural Commercial Bank kept the record of "the realization rate of each product 100% and the customer complaint rate was zero", and won the "Bank Wealth Management-Annual Bank Wealth Management Growth Award" in the National "Golden Bell Award 2008 Financial Wealth Management Product Selection". According to the statistical report of the Institute of Trust and Financial Management of Southwestern University of Finance and Economics, as of June 5438+February 2009, the ranking of Shanghai Rural Commercial Bank's comprehensive financial management ability rose from the 33rd in April 2008 to the 23rd.
The "second-hand housing through train" business is an innovative move of Shanghai Rural Commercial Bank to explore the personal housing loan business model. Ensure reliable housing, safe capital transaction and legal and convenient procedures, and provide a service platform that saves money, time and effort for housing sales.
Recently, with the opening of Jing 'an Sub-branch and Luwan Sub-branch in the central city, Shanghai Rural Commercial Bank has accelerated the pace of adjusting the layout of outlets and improving the service network. This is a powerful promotion and full implementation of the market positioning of "strengthening suburbs, expanding urban areas, basing on Shanghai and radiating the surrounding areas", and it is also an important measure to further cooperate with the social and economic development planning of various regions and provide customers with a more complete and convenient service network. As a convenient bank serving small and medium-sized enterprises and community residents, Shanghai Rural Commercial Bank actively advocates green finance and green credit, vigorously supports environmental protection industries and scientific and technological innovations in energy conservation and emission reduction, and controls loan investment in industries with high pollution, high energy consumption and capacity elimination; Insist on providing financial services to local community residents in areas where Shanghai's rural economic development is relatively backward but there is a real demand for financial services to facilitate their lives.
Over the years, Shanghai Rural Commercial Bank has actively participated in public welfare and returned to society, and has donated more than 20 million yuan to support various public welfare projects such as disaster relief, social welfare, environmental protection, sports and education. After the "5. 12" earthquake, it not only donated more than 5 million yuan to the people in the disaster area, but also contributed 10 million yuan to support Dujiangyan Rural Credit Cooperative and help it rebuild after the disaster. Shanghai Rural Commercial Bank has also carried out assistance and pairing activities with some villages and towns in suburban counties of this city, and under the same conditions, it enjoys preferential employment and admission policies for qualified college students from some local rural families, effectively solving the employment problem.
In September, 2009, Shanghai Rural Commercial Bank was selected into the top list of corporate social responsibility 100 in China published by China Enterprise News and China Enterprise Research Center, and won the title of "Outstanding Corporate Social Responsibility in China in 2009". 20 10 1, Shanghai Rural Commercial Bank won the "Best Corporate Social Responsibility Award in 2009" in the "2009 China Financial Marketing Award" sponsored by Banker magazine and assisted by many well-known universities and financial research institutions at home and abroad. These awards are full affirmation for Shanghai Rural Commercial Bank to fulfill its social responsibilities.
After the restructuring, Shanghai Rural Commercial Bank inherited the fine tradition of rural credit cooperatives for more than 50 years, accumulated profound knowledge but gave birth to new life, and started a new journey of building a modern commercial bank. "Convenient service experience" is the eternal commitment of Shanghai Rural Commercial Bank to you. We are willing to provide better financial services for all sectors of society and make unremitting efforts and pursuit to build Shanghai Rural Commercial Bank into a "considerate and convenient bank serving the public".