【营口银行是哪个国家的品牌?】
营口银行,一个充满生机、富于特色和创新力的现代商业银行。
1997年4月1日,营口银行正式成立,总部设于辽宁营口。20年来,营口银行顺应中国经济发展的时代洪流,以矫健的姿态融入其中,已发展成为中国一家公司治理完善、经营特色鲜明、经营效益良好、资产质量上乘、综合实力强劲的区域性股份制商业银行。
中国较具成长力中小银行
秉承“致广大,尽精微”的核心价值观和“谦恭、诚信、创新、进取”的企业精神,营口银行始终坚持差异化、特色化、精细化道路,追求质量、效益、规模、结构协调发展,伴随区域经济腾飞创造了令人瞩目的业绩,走出了一条健康发展之路。
近年来,营口银行主要财务数据以年均15%左右的速度递增,营口银行资产规模近1300亿元,构建了由物理网点、网上银行、手机银行、微信银行、自助银行、电话银行等构成的立体化、多渠道的服务体系,形成了公司业务、零售业务、投资业务等多项业务板块和功能多元、内容丰富、特色鲜明的产品体系,金融服务水平持续跃升。
营口银行视经营品质如企业生命。近年来,营口银行拨备覆盖率、流动性比率、资本利润率、资产利润率等各项主要监管指标在中国银行业始终保持优良水平,连续多年被中国银监会评定为全国金融机构较佳监管级别。
依托各项业务的健康发展和经营品质的不断提升,营口银行得到了来自社会各界的广泛认同。2013年,被第九届中国金融专家年会”评选为“中国城市金口碑服务银行”;2016年被评为“金口碑特色银行奖”。
跨省经营的区域性股份制商业银行
2009年,在中国银监会政策支持下,营口银行启动了跨区域经营战略进程。2009年6月6日,营口银行外埠分行——沈阳分行正式开业,自此,营口银行区域化发展不断提速,2010至2016年7年间,大连分行、哈尔滨分行、葫芦岛分行、鞍山分行、营口分行、小企业金融服务中心、丹东分行、盘锦分行、本溪分行、辽阳分行相继成立,综合竞争实力的持续走强,催生营口银行在更大范围开展金融创新与服务。当前营口银行11家分行共同服务市场,实现了辽宁沿海经济带、环渤海经济圈、东北老工业基地三大经济区域市场的优势互补与联动发展,区域性经营网络战略布局稳步推进。
在区域化发展的过程中,营口银行坚持传递“为您着想”的服务理念,不断优化公司治理,持续强化服务管理和品牌建设,将“中小企业伙伴银行”、“市民生活的管家银行”的经营特色拓展到更广阔的区域,塑造了营口银行优质的品牌形象。
颇具特色的“中小企业伙伴银行”
助力小企业,贷就大梦想。自成立以来,营口银行坚定不移地坚守服务中小微企业的市场定位,深入市场,贴近客户,激发灵感,着力创造,在与众多中小微企业的业务往来中,掌握了中小企业金融服务的核心技术专长,形成了独特的竞争优势,塑造了鲜明的“中小企业伙伴银行”特色品牌。立行以来,营口银行累计投放超过4000亿元信贷资源支持中小企业发展,中小企业贷款量占营口银行全部贷款90%以上,小微企业贷款占比达70%,为促进中小企业发展做出了持续的努力和贡献。
近年来,“新常态”下的经济结构调整深入推进,面对复杂多变的市场环境,营口银行大力促进服务模式创新、业务产品创新、流程机制创新,建立一套独具特色的综合化服务方案,在银行风控要求的基础上,充分发挥优势,推动中小微企业及战略新兴产业的良好发展。
颇受信赖的“市民生活的管家银行”
立行以来,营口银行始终秉承着“为您着想”的服务理念,结合当地市民金融生活需求,丰富产品、创新服务、拓宽渠道、加强合作,着力打造“市民生活的管家银行”。当前,营口银行百余家机构网点因地制宜,以专业见长、以贴心著称、产品丰富、服务方便快捷,已经在个人金融服务领域打造出了具有鲜明特色的服务品牌。
持久努力,营口银行业务产品体系的不断丰富。目前,营口银行已经形成了有储蓄、理财、投资、个人信贷、中间业务、卡业务、私人银行服务、增值服务等组成的多维度、立体化个人金融服务体系,近百项产品服务可供市民自由选择。
服务渠道的不断拓展以及服务平台的创新搭建为营口银行服务品质提升提供了更加广阔的渠道。多年来,营口银行持续加快网络银行建设,已经形成了由物理网点、网上银行、手机银行、微信银行、自助银行、电子支付平台等组成的多渠道、立体化服务体系,网络渠道电子分流率已经超过60%,成为主服务渠道。随着线上支付体系的不断完善,营口银行网络银行已经成功实现了从功能性电子渠道建设到综合化开放式网络平台的拓展,正在为客户带来更多体验。
除了金融服务之外,营口银行还充分发挥平台效应,整合聚集资源,通过营银缴费通实现水、电、煤气、话费、取暖费等生活费用的一站式代缴;依托营银卡业务实现银企、商户与客户之间的三方共赢;通过打造以惠民服务、绿色通道、公益宣讲、社区联谊等为主要形式的公益惠民服务体系将服务送到千家万户,提升服务品质。
英文翻译:Yingkou bank is a modern commercial bank full of vitality, characteristics and innovation. On April 1, 1997, Yingkou bank was officially established with its headquarters in Yingkou, Liaoning Province. In the past 20 years, Yingkou bank has become a regional joint-stock commercial bank with perfect corporate governance, distinct operating characteristics, good operating efficiency, superior asset quality and strong comprehensive strength in China. China's growing small and medium-sized banks adhere to the core values of "to the masses and to the essence" and the enterprise spirit of "humility, integrity, innovation and enterprise". Yingkou bank always adheres to the road of differentiation, characteristics and refinement, and pursues the coordinated development of quality, efficiency, scale and structure. With the rapid development of regional economy, Yingkou bank has created remarkable achievements and made a healthy development Road. In recent years, the main financial data of Yingkou bank has increased at an average annual rate of about 15%. The asset scale of Yingkou bank is nearly 130 billion yuan. It has built a three-dimensional and multi-channel service system composed of physical outlets, online banking, mobile banking, wechat banking, self-service banking, telephone banking, etc., and formed many business sectors and functions such as corporate business, retail business, investment business, etc Diversified, rich in content and distinctive product system, the level of financial services continued to leap. Yingkou bank regards management quality as enterprise life. In recent years, Yingkou bank's provision coverage ratio, liquidity ratio, capital profit rate, asset profit rate and other major regulatory indicators have always maintained a good level in China's banking industry, and have been rated as the better regulatory level of national financial institutions by China Banking Regulatory Commission for many consecutive years. Relying on the healthy development of various businesses and the continuous improvement of business quality, Yingkou bank has been widely recognized by all walks of life. In 2013, it was selected as "China city jinkoubei service bank" by the 9th Annual Meeting of Chinese financial experts; in 2016, it was rated as "jinkoubei characteristic bank Award". In 2009, with the support of CBRC policy, Yingkou bank started the cross regional business strategy process. On June 6, 2009, Shenyang Branch, a foreign branch of Yingkou bank, officially opened. Since then, the regional development of Yingkou bank has been speeding up. From 2010 to 2016, Dalian Branch, Harbin branch, Huludao branch, Anshan Branch, Yingkou Branch, small enterprise financial service center, Dandong Branch, Panjin branch, Benxi Branch and Liaoyang Branch have been successively established, with comprehensive competition With the continuous strength, Yingkou bank will develop financial innovation and services in a larger scope. At present, 11 branches of Yingkou Bank jointly serve the market, realizing the complementary and coordinated development of the three economic regional markets of Liaoning coastal economic belt, Bohai economic circle and northeast old industrial base, and steadily advancing the strategic layout of regional business network. In the process of regional development, Yingkou bank adheres to the service concept of "thinking for you", constantly optimizes corporate governance, continuously strengthens service management and brand construction, expands the business characteristics of "partner bank of small and medium-sized enterprises" and "housekeeper Bank of public life" to a broader area, and creates a high-quality brand image of Yingkou bank. The characteristic "partner bank of small and medium-sized enterprises" helps small enterprises and makes big dreams. Since its establishment, Yingkou bank has unswervingly adhered to the market orientation of serving small and medium-sized micro enterprises, penetrated into the market, got close to customers, inspired and made great efforts to create. In its business dealings with many small and medium-sized micro enterprises, Yingkou bank has mastered the core technical expertise of financial services for small and medium-sized enterprises, formed a unique competitive advantage and created a distinctive brand of "partner bank for small and medium-sized enterprises" 。 Since the establishment of the bank, Yingkou bank has invested more than 400 billion yuan of credit resources to support the development of small and medium-sized enterprises. The loan amount of small and medium-sized enterprises accounts for more than 90% of all the loans of Yingkou bank, and the loan amount of small and micro enterprises accounts for 70%, making sustained efforts and contributions to promoting the development of small and medium-sized enterprises. In recent years, the adjustment of economic structure under the "new normal" has been pushed forward in depth. Facing the complex and changeable market environment, Yingkou bank vigorously promotes the innovation of service mode, business product and process mechanism, and establishes a set of unique comprehensive service plan. Based on the requirements of bank risk control, Yingkou bank will give full play to its advantages to promote the good performance of small and medium-sized micro enterprises and strategic emerging industries Development. Since its establishment, Yingkou bank has been adhering to the service concept of "think for you", enriching products, innovating services, broadening channels and strengthening cooperation in combination with the needs of local people's financial life, and striving to build a "Butler bank for people's life". At present, more than 100 branches of Yingkou bank have adapted measures to local conditions. They are famous for their professional expertise, intimate service, rich products and convenient services. They have created a service brand with distinctive characteristics in the field of personal financial services. With sustained efforts, Yingkou bank's business product system is constantly enriched. At present, Yingkou bank has formed a multi-dimensional and three-dimensional personal financial service system consisting of savings, financial management, investment, personal credit, intermediary business, card business, private banking service, value-added service, etc., with nearly 100 product services available for citizens to choose freely. The continuous expansion of service channels and the innovation of service platform provide a broader channel for the improvement of service quality of Yingkou bank. Over the years, Yingkou bank has continued to speed up the construction of online banking, and has formed a multi-channel and three-dimensional service system composed of physical outlets, online banking, mobile banking, wechat banking, self-service bank, electronic payment platform, etc. the electronic diversion rate of online channels has exceeded 60%, becoming the main service channel. With the continuous improvement of online payment system, Yingkou bank's online banking has successfully realized the expansion from functional electronic channel construction to comprehensive open network platform, and is bringing more experience to customers. In addition to financial services, Yingkou bank also gives full play to the platform effect, integrates and gathers resources, realizes the one-stop payment of living expenses such as water, electricity, gas, telephone fee, heating fee, etc. through the payment of Yingkou bank, and realizes the win-win situation among banks, businesses and customers relying on the business of Yingkou bank card; We will deliver services to thousands of households and improve service quality by building a public welfare service system with the main forms of public welfare services, green channels, public welfare propaganda, community friendship, etc.
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