Why did Shaoyang Urban Credit Cooperative change its name to Huarong Xiangjiang Bank?

Development history

market positioning

Development goals

competitive edge

Edit the development process of this paragraph.

On 201010 June 12, Huarong Xiangjiang Bank Co., Ltd. (hereinafter referred to as Huarong Xiangjiang Bank), initiated by China Huarong Asset Management Corporation and Hunan Provincial Government, was formally established in Changsha. Zhou Qiang, secretary of the Hunan Provincial Party Committee and director of the Standing Committee of the Provincial People's Congress, Xu Shousheng, deputy secretary of the Provincial Party Committee and governor, Hu Biao, chairman of the Provincial Political Consultative Conference, Teng Jiuming, head of the large state-owned enterprise group of the Central Inspection Team, Ding Zhongchi, chairman of the board of supervisors of key state-owned financial institutions, Xu Penghang, Li Decheng and the third runner-up of relevant industry organizations and associations, and Yao Yongchun, leader of provinces, cities, Kang Weimin, etc. attended the opening ceremony. Huarong Xiangjiang Bank is a newly established regional joint-stock commercial bank, which was reorganized from four city commercial banks in Xiangtan, Zhuzhou, Yueyang and Hengyang, Hunan Province and Shaoyang City Credit Cooperative (hereinafter referred to as "four banks and one cooperative"). Headquartered in Changsha, with a registered capital of 4.08 billion yuan, of which China Huarong holds 50.98%, and the original shareholders of "Four Banks and One Society" hold 465,438+0.67%. Hunan Caixin Investment Holding Co., Ltd., Hunan Publishing Investment Holding Group Co., Ltd. and Jinan Juntuyuan Investment Co., Ltd. held 7.35% of the shares as concerted parties. Huarong Xiangjiang Bank has a capital adequacy ratio of over 65,438+06%, a provision coverage ratio of over 65,438+050% and a non-performing loan ratio of less than 0.65,438+0%, all of which are better than the banking regulatory requirements.

Edit the market positioning of this paragraph

Huarong Xiangjiang Bank takes serving the construction of two-oriented society in Hunan as its basic starting point, and stands on, relies on, serves and supports Hunan. Committed to serving the local economy, serving small and medium-sized enterprises and serving the people of Xiangjiang River. Make a fuss about "small, refined, specialized, new and special". "Small" means "small banks, small projects, small customers, small enterprises and small products"; "Fine" means "fine bank, meticulous operation, precise positioning and capable team"; "Specialization" means "specialized banks, specialized businesses, specialized personnel and specialized teams"; "New" means "new bank, new target, new mechanism, new profit and new development"; "Special" means "special banks, special operations, special products and special positioning".

Edit the development goal of this paragraph.

It is planned to build Huarong Xiangjiang Bank into a modern commercial bank based in Hunan, radiating the whole country, meeting the regulatory requirements, with perfect governance structure, standardized operation and management, strong risk management and control, first-class operating performance, strong core competitiveness and brand value, and strive to go public, create value for shareholders, society and employees, and truly realize Huarong Xiangjiang Bank's "capacity". The brand concept of "connecting with the world" is "financing, integrating wisdom, integrating into Xiangjiang River, connecting with foreign exchange and connecting with the world". Huarong Xiangjiang Bank has formulated a strategic development plan of "three steps in five years", that is, the development plan of 20 10-20 15 is divided into three steps, and 20 10-20 165438 is the stage of integration, transformation and solid foundation. 20 12-20 13 accelerates the development stage for consolidation and promotion; 20 14-20 15 is a catch-up stage.

The competitive advantage of editing this paragraph

First, relying on the strong support of the local government in Hunan Province is conducive to giving play to geographical advantages. The establishment of the new bank has been highly valued and strongly supported by the Hunan Provincial Party Committee and the provincial government. The new bank has established a strategic cooperative relationship with the local government of Hunan Province, and the government will give support in policies, resources and projects, which is the biggest advantage of the new bank's development. Second, relying on China Huarong's strong background as a major shareholder, it can provide customers with a package of comprehensive financial services. Huarong Xiangjiang Bank and China Huarong have established business platforms such as financial leasing, securities, trust, investment, funds and futures, which support, cooperate and promote each other. Through combination boxing, they give full play to the synergy of various platform companies and provide customers with a package of comprehensive financial services. As the controlling shareholder of Huarong Xiangjiang Bank, China Huarong will provide all-round support for Huarong Xiangjiang Bank in terms of capital, talents and project resources, and organically combine China Huarong's network resources, subsidiary platform comprehensive financial service resources, large customer resources, debt-to-equity swap enterprise resources, and Hunan's economic resources, social resources and government resources, and provide a broad space for Huarong Xiangjiang Bank's business development through resource sharing and optimization. Third, relying on the original foundation and resource advantages of the old shareholders of "four banks and one cooperative", it has strong market competitiveness. As a newly established modern commercial bank, Huarong Xiangjiang Bank has the popularity and geographical advantages of "four banks and one cooperative" in Hunan Province, and has a strong competitive advantage in Hunan Province. In short, it has obvious comparative advantages in the same industry. Compared with other city commercial banks, Huarong Xiangjiang Bank has excellent asset quality, wide network coverage and rich customer resources, which is especially suitable for small and medium-sized enterprises. Compared with provincial branches of state-owned banks and other joint-stock commercial banks, Huarong Xiangjiang Bank is a local commercial bank, which has the advantages of flexible system, short decision-making chain, relatively lean organization, few management levels and low operating costs, and has a management team familiar with local conditions and customer resources. At the same time, Huarong Xiangjiang Bank introduced professional and technical personnel, committed to improving the level of scientific and technological innovation, upgrading its business philosophy, and further consolidating and strengthening its existing advantages. Corporate culture and brand concept of Huarong Xiangjiang Bank. Huarong Xiangjiang Bank has infiltrated China Huarong's corporate culture of "stability, innovation, harmony and development" into the strategic level of Huarong Xiangjiang Bank and established its business philosophy of "stability, innovation, harmony and development". Huarong Xiangjiang Bank's brand concept is "Xiang Rong? Huarong Xiangjiang Bank's brand development vision is "based on Hunan, radiating the whole country and looking at the world". Huarong Xiangjiang Bank will build its own brand from five aspects. First, increase market share and promote the continuous leading share of core products; The second is to improve service quality, customer satisfaction and brand loyalty; The third is to improve the level of science and technology and support brand creation with advanced technology; Fourth, enlarge and strengthen various businesses to achieve comprehensive and sustainable development; The fifth is to achieve effective marketing and expand brand influence. Huarong Xiangjiang Bank Branch Layout. As the main channel of bank marketing and service, bank outlets play a very important role. Huarong Xiangjiang Bank currently has five branches, 1 business department and 136 outlets. In order to improve the market competitiveness and self-image, Huarong Xiangjiang Bank will fully consider the population and economic development structure of the local and surrounding areas, analyze the distribution of local customers, customer needs and horizontal competition, and scientifically integrate and rationally plan the existing branches; Huarong Xiangjiang Bank will first set up a branch in Changsha after its establishment, and then set up a new branch in areas with relatively weak financial services when conditions are ripe. In the next three years, Huarong Xiangjiang Bank will be built into a modern commercial bank with complete functions and perfect services, covering the whole province, and will gradually realize cross-regional operation according to the business development speed and relevant regulations of the regulatory authorities.