【鞍山银行是哪个国家的品牌?】
鞍山银行的前身是鞍山市城市信用联社,成立于1991年,1996年12月正式组建为鞍山城市合作银行,1998年9月更名为鞍山市商业银行,2010年12月中国银监会正式批准更名为鞍山银行。十几年来,鞍山银行服务中小微企业,支持实体经济发展,不断做大做强,为助推鞍山经济社会发展做出了积极贡献,不断实现了自身的新跨越。截止2014年12月末,全行下辖19家一级支行、77家二级支行;资产总额达到805.73亿元,各项存款达到681.3亿元,贷款总额达到433.9亿元。
心怀梦想,扬帆起航。鞍山银行紧跟时代发展脉搏,牢牢抓住发展机遇,积极发挥地方银行职能,充分发挥自身网点众多,从业人员经验丰富等特点,倾力做好“扶持中小微企业、支持新农村建设、服务民生”三大文章,依托地方性银行决策链短、业务运作灵活等独特优势,积极探索多元化服务方式,加大贷款投放力度,不断创新信贷模式,着重为中小微企业、“三农”发展搭建融资平台,解决融资难题,成为支持鞍山经济发展的一支重要金融力量。鞍山银行找准位置,积极作为,制定了“实现跨区经营、引进战略投资者、达到上市标准”的三步走发展战略目标,在区域化金融市场上精耕细作,在鞍山金融舞台上演绎出一组新的乐章。
创新思维,差异服务。鞍山银行牢固树立“立足中小企业、立足零售业务、立足客户需求”的市场定位,一直注重走差异化、特色化发展道路。如今,全市50%以上的中小微企业贷款都来源于鞍山银行,是典型植根“中小微”、支持“支持经济”的服务型银行。为了专注小微企业服务,鞍山银行专门设立了小微企业服务中心,搭建贷款审批绿色通道,简化贷款手续,缩短审批时间,降低融资成本,在有效防范和管控风险的前提下,大大缓解了中小微企业融资难、融资慢等问题。
荣辱与共,相伴成长。鞍山银行与中小企业一道,共谋发展。互惠互利,实现双赢,一直是鞍山银行的服务宗旨。多年来,鞍山银行帮助了一大批像辽宁福鞍集团、辽宁紫竹集团这样的成长型企业,特别是在经济下滑,企业经营出现困难时,帮助企业解决融资难题,扶持地方特色企业做大做强,成就了一段段银企合作、互利共赢的佳话。
拓展空间,服务“三农”。鞍山银行自觉承担起支持“三农”、服务县域经济发展的重任,投资1亿元组建了千山金泉、海城金海、台安金安和岫岩金玉四家村镇银行,至2014年12月末,这四家村镇银行合计存款余额达到27.43亿元,贷款余额达到28.58亿元,利润总额达到1.09亿元,有力地支持了县域经济和社会主义新农村建设。
发挥优势,履行职责。鞍山银行认真贯彻国家和银监部门扶持中小微企业、解决民生问题的发展政策,发挥地方银行的优势,积极履行社会职责,不断拓展发展思路。2002年至2014年,在鞍山市政府的主导下,鞍山银行分别与13家担保公司正式签约,共同帮助中小企业解决“担保难”问题。多年来,鞍山银行陆续为120多家中小微企业,发放担保贷款6.5亿元,帮助不具备资产抵押条件和刚刚起步的中小微企业搭建融资平台。同时,鞍山银行积极参与鞍山市下岗失业人员再就业和大学生创业工作,推出了“再就业小额贷款”,取得了良好的社会效益。截止2014年末。鞍山银行小微企业贷款余额171.2亿元,占全部贷款余额的39.5%,为鞍山经济的繁荣稳定再立新功。
展望未来,任重道远。鞍山银行正努力实现历史新跨越,助力鞍山经济社会发展,信心满怀地打造一个更加靓丽的金融品牌。
英文翻译:Anshan bank, formerly known as Anshan City Credit Union, was founded in 1991. It was formally established as Anshan City cooperative bank in December 1996, renamed as Anshan City Commercial Bank in September 1998, and officially approved by China Banking Regulatory Commission in December 2010. For more than ten years, Anshan bank has been serving small and medium-sized micro enterprises, supporting the development of real economy, growing bigger and stronger, making positive contributions to boosting the economic and social development of Anshan, and constantly realizing its own new leap. By the end of December 2014, the bank had 19 first level branches and 77 second level branches, with total assets of 80.573 billion yuan, various deposits of 68.13 billion yuan and total loans of 43.39 billion yuan. With dreams in mind, set sail. Anshan bank keeps up with the development of the times, firmly seizes the development opportunity, gives full play to the functions of local banks, gives full play to the characteristics of its numerous outlets and rich experience of employees, devotes its efforts to the three chapters of "supporting small and medium-sized micro enterprises, supporting the construction of new countryside and serving the people's livelihood", and actively explores more relying on the unique advantages of short decision chain and flexible business operation of local banks It is an important financial force to support the economic development of Anshan City to build a financing platform for the development of small and medium-sized micro enterprises, agriculture, rural areas and farmers, and solve financing problems. Anshan bank has made a three-step development strategic goal of "cross regional operation, introduction of strategic investors, and listing standard", worked hard in the regional financial market, and performed a new set of movements on the financial stage of Anshan. Innovative thinking and differentiated service. Anshan bank firmly established the market positioning of "based on small and medium-sized enterprises, based on retail business, based on customer demand", and has been focusing on the differentiated and characteristic development path. Today, more than 50% of SME loans in the city come from Anshan bank, which is a typical service-oriented bank rooted in "SME" and supporting "supporting economy". In order to focus on small and micro enterprise services, Anshan bank has set up a small and micro enterprise service center, built a green channel for loan approval, simplified loan procedures, shortened approval time and reduced financing costs. Under the premise of effectively preventing and controlling risks, it has greatly alleviated the financing difficulties, slow financing and other problems of small and micro enterprises. Share weal and woe, grow together. Anshan bank, together with small and medium-sized enterprises, seeks common development. The service tenet of Anshan bank is to achieve mutual benefit and win-win. Over the years, Anshan bank has helped a large number of growing enterprises such as Liaoning Fuan group and Liaoning Zizhu group, especially in the economic downturn and when there are difficulties in business operation, it has helped enterprises to solve the financing problems, supported local characteristic enterprises to grow and strengthen, and achieved a period of bank enterprise cooperation, mutual benefit and win-win story. Expand space and serve "agriculture, rural areas and farmers". Anshan bank consciously undertakes the responsibility of supporting "agriculture, rural areas and farmers" and serving the economic development of the county. It invested 100 million yuan to establish four village banks, Qianshan Jinquan, Haicheng Jinhai, Tai'an Jin'an and Xiuyan Jinyu. By the end of December 2014, the total deposit balance of these four village banks reached 2.743 billion yuan, the loan balance reached 2.858 billion yuan, and the total profit reached 109 million yuan, which strongly supported the county Regional economy and the construction of new socialist countryside. Give full play to advantages and perform duties. Anshan bank earnestly implements the development policy of supporting small and medium-sized micro enterprises and solving people's livelihood problems by the state and banking regulatory authorities, gives full play to the advantages of local banks, actively performs social responsibilities, and constantly expands development ideas. From 2002 to 2014, under the guidance of Anshan Municipal government, Anshan Bank signed contracts with 13 guarantee companies respectively to help small and medium-sized enterprises solve the problem of "guarantee difficulty". Over the years, Anshan bank has successively granted more than 120 small and medium-sized micro enterprises with a guaranteed loan of 650 million yuan, helping those small and medium-sized micro enterprises that do not have the asset mortgage conditions and are just starting to build financing platforms. At the same time, Anshan bank actively participated in the reemployment of laid-off and unemployed people and Entrepreneurship of college students in Anshan City, and launched the "reemployment micro loan", which has achieved good social benefits. As of the end of 2014. The loan balance of small and micro enterprises of Anshan bank is 17.12 billion yuan, accounting for 39.5% of the total loan balance, which is another contribution to the prosperity and stability of Anshan economy. Looking forward to the future, there is a long way to go. Anshan bank is striving to achieve a new historical leap, help Anshan Economic and social development, and build a more beautiful financial brand with confidence.
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