【台州银行是哪个国家的品牌?】
台州银行股份有限公司,始建于1988年6月6日,由城市信用社发展而来,总行地处民营经济发祥地之一的浙江省台州市。2002年3月,以市场化方式发起成立了较早的政府参股不控股的城市商业银行“台州市商业银行”,2010年9月更名为台州银行。目前,我行注册资本18亿元,2008年成功引进中国平安、招商银行为我行股东及战略合作伙伴。
截至目前,我行拥有员工9000余人。设有舟山、温州、杭州、宁波、金华、湖州、衢州、绍兴、嘉兴、丽水10家分行,同时主发起设立了浙江三门银座村镇银行、深圳福田银座村镇银行、北京顺义银座村镇银行、江西赣州银座村镇银行、重庆渝北银座村镇银行、重庆黔江银座村镇银行、浙江景宁银座村镇银行等7家“银座”系列的村镇银行。
我行始终坚持小微企业金融服务的市场定位,坚持“以市场为导向、以客户为中心”的经营理念,以“简单、方便、快捷”的服务、简单实用的个性化产品、优良的服务流程,有效地避开了同质化竞争,赢得了客户和市场的认同,业务也连年保持稳健增长。截至2017年末,全行(含主发起设立的村镇银行)资产总额亿1574.25元,各项存款余额为1319.43亿元,各项贷款余额为1033.75亿元,不良贷款率为0.66%。
通过不断努力与多年的经验积累,我行总结出了一套实践检验、行之有效的小微企业金融服务技术,形成了“以市场化治理,提供公平对等服务;以差异化经营,满足合理信贷需求;以特色化服务,打造小微服务品牌;以精细化管理,保持稳健发展步伐”的优势竞争力。通过为客户量身定做金融产品,以“下户调查、眼见为实、自编报表、交叉检验”为核心的“十六字”信贷调查技术,为小微企业创造平等的融资机会,解决了小微企业信息不对称、缓解了小微企业融资难等问题。
独特的企业个性和信贷技术决定了我行必须自行培养员工,为此,我行设立了具有社会办学资格的1.3万平方米的“台州银行银座金融培训学院”。通过引进国际培训理念,分条线开发培训课程,建立了高密度、标准化的培训体系,并设计出科学合理的上岗资格认证机制。目前,全行机构99.47%的员工为我行自行培养。
近年来,客户在变、市场在变。在金融市场化加速推进、竞争越来越激烈的客观环境下,我行积极思变,2012年2月,正式启动了与全球战略咨询公司麦肯锡公司的战略项目合作,提出“变革转型 二次创业”的号召,明确“与客户做朋友”的“社区银行”商业发展模式。2013-2015年,我行积极推进“社区银行”这一战略落地,包括在业务规划、人员招聘、网点布局、流程审批等方面,都努力与“社区银行”接轨,为客户提供了多元的金融服务。
除了为社会提供优良的金融服务外,作为一家富有社会责任感的金融企业,我行饮水思源,不断地感恩回报社会,努力打造受人尊敬的绿色银行。2010年,我行申请加入联合国环境规划署(UNEP)气候融资创新贷款项目(CFIF),推出“绿色节能贷款”,将原来只适用于大中型企业的技术改造移植到小微企业领域。2011年底,我行出资300万元,与中国银行业监督管理委员会台州监管分局、浙江慈善总会合作,设立台行银座创业扶贫慈善基金,以帮助那些有劳动能力和有创业意愿的贫困创业者,尤其是贫困大学生,实现创业梦想。2012年,我行较早在全国提出“服务不收费,服务更到位”的承诺,减费让利于广大小微客户,至2017年,我行连续六年保持减费让利措施不变,打造“免费银行”。
英文翻译:Taizhou Bank Co., Ltd., founded on June 6, 1988, is developed from urban credit cooperatives. Its head office is located in Taizhou City, Zhejiang Province, one of the birthplaces of private economy. In March 2002, Taizhou City Commercial Bank, an earlier City Commercial Bank, was established in a market-oriented way, which was not controlled by the government. In September 2010, it was renamed Taizhou bank. At present, our registered capital is 1.8 billion yuan. In 2008, Ping An and China Merchants Bank were successfully introduced as our shareholders and strategic partners. Up to now, our bank has more than 9000 employees. There are 10 branches in Zhoushan, Wenzhou, Hangzhou, Ningbo, Jinhua, Huzhou, Quzhou, Shaoxing, Jiaxing and Lishui. At the same time, they mainly initiated the establishment of Zhejiang Sanmen Yinzuo village bank, Shenzhen Futian Yinzuo village bank, Beijing Shunyi Yinzuo village bank, Jiangxi Ganzhou Yinzuo village bank, Chongqing Yubei Yinzuo Village bank, Chongqing Qianjiang Yinzuo village bank, Zhejiang Jingning Yinzuo village bank Seven "Ginza" series of village banks, including village banks. Our bank has always adhered to the market orientation of financial services for small and micro enterprises, the business philosophy of "market-oriented and customer-centered", the service of "simple, convenient and fast", the simple and practical personalized products and excellent service processes, effectively avoided the homogenization competition, won the recognition of customers and the market, and the business has maintained steady growth for years. By the end of 2017, the total assets of the whole bank (including the village and town banks established by the main sponsor) were RMB 1574.25 million, the balance of various deposits was RMB 131.943 billion, the balance of various loans was RMB 103.375 billion, and the non-performing loan ratio was 0.66%. Through continuous efforts and years of experience accumulation, the bank has summed up a set of practical and effective financial service technologies for small and micro enterprises, forming the advantages of "market-oriented governance, providing fair and equal services; differentiated operation, meeting reasonable credit demand; featured services, building small and micro service brand; refined management, maintaining steady development pace" Struggle. Through customized financial products for customers, the "Sixteen word" credit survey technology with the core of "household survey, seeing as reality, self-made statements, cross examination" creates equal financing opportunities for small and micro enterprises, solves the problems of information asymmetry of small and micro enterprises and alleviates the financing difficulties of small and micro enterprises. Due to its unique corporate personality and credit technology, we have to train our own employees. Therefore, we have set up a 13000 square meter "Taizhou bank Ginza financial training college" with social school running qualification. By introducing the concept of international training and developing training courses in different lines, a high-density and standardized training system has been established, and a scientific and reasonable qualification certification mechanism has been designed. At present, 99.47% of the employees of the whole bank are self-trained by the bank. In recent years, customers are changing and the market is changing. Under the objective environment of accelerated financial marketization and increasingly fierce competition, the bank actively thought about changes. In February 2012, it officially launched the strategic project cooperation with McKinsey, a global strategic consulting company, and put forward the call of "transformation, transformation and secondary entrepreneurship", which clearly defined the "community bank" business development mode of "making friends with customers". From 2013 to 2015, the bank actively promoted the implementation of the strategy of "community bank", including business planning, personnel recruitment, network layout, process approval, etc., and made great efforts to integrate with "community bank", providing customers with diversified financial services. In addition to providing excellent financial services for the society, as a financial enterprise with a sense of social responsibility, we are always grateful to repay the society and strive to build a respected green bank. In 2010, we applied to join the climate financing innovation loan project (cfif) of the United Nations Environment Programme (UNEP), launched the "green energy saving loan", and transplanted the technology transformation that was originally only applicable to large and medium-sized enterprises to the field of small and micro enterprises. At the end of 2011, the bank invested 3 million yuan to cooperate with Taizhou regulatory branch of China Banking Regulatory Commission and Zhejiang Charity Federation to set up the bank start-up poverty alleviation charity fund of the Bank of Taiwan, so as to help those poor entrepreneurs, especially poor college students, who have the ability to work and the willingness to start a business, to realize their dream of starting a business. In 2012, our bank earlier put forward the commitment of "no charge for service, more in place for service" in the whole country, reducing fees for the benefit of small and Micro customers. By 2017, our bank kept the measures of reducing fees and giving profits unchanged for six consecutive years to build a "free bank".
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