Chuaxia Bank Xining Branch was established on June 5, 2018 and is a first-level branch established by Chuaxia Bank in Qinghai Province. In order to actively integrate into the economic and social development of our province, China CITIC Bank Xining Branch adheres to the purpose of "rooting the plateau and serving Qinghai", and combines the development plan of the head office and its own actual situation to establish a "small but beautiful" development positioning.
Xining Branch has worked hard to cultivate internal strength, established rules and regulations to consolidate the management foundation, and built a full-process customer service system with companies, trade finance, individuals and inclusive finance as the main body, and credit operation and credit approval as the guarantee; with internal control and compliance, discipline inspection and supervision and risk management as the core, it runs through all professional lines and departments; a comprehensive management and guarantee system supported by operation management, information technology, human resources, planning and finance and offices, so that all work of the branch can run smoothly. The development ideas of two "one main and two wings" have been clarified. In terms of business development, we will focus on serving the construction of the "four places", high-quality small and medium-sized private enterprises as the left, innovative and entrepreneurial customers and high-quality retail customers as the right, and strive to promote the rapid development of various businesses.
In 2022, employees of China CITIC Bank carried out patriotism thematic education in Atomic City Memorial Hall .
The company's business is stable and has achieved multi-point breakthrough
transformation of deposit organization methods has shown results. Make full use of on-balance sheet loan business customers, off-balance sheet letter of credit , bill business customers, institutional customers, sub-high and higher cost deposit customers, and settlement customers, and provide customers with integrated financial services through the "commercial bank + investment bank" model. With the unique advantages of agreement deposit + large-value transferable certificates of deposit product portfolio, stable income, high liquidity, and pledgeability, the first transferable large-value certificate of deposit of the branch was successfully handled.
dig deep into the potential value of customers to build a foundation. "Digging potential internally" existing corporate customers, "expanding externally" new corporate customers, extending customer chains and capital chains, and deeply tapping customer value through comprehensive services, special products and cross-selling, improving customer comprehensive contribution, and continuously consolidating the basic scale of corporate customers.
takes practical measures to improve loan issuance income. Refine management and compile a "industry + customer" marketing whitelist to make marketing directional, targeted and process-based management; multi-dimensional incentives to carry out "loan doubled" marketing activities; clearly distinguish rewards and punishments in terms of reserves and placement, and set adjustment coefficients in interest rate pricing, time progress, placement industry, and loan term to consolidate the foundation for the development of credit business; highlight key points and promote real estate business.
lays the foundation for promoting the development of institutions' business. Up to now, China CITIC Bank Xining Branch has successfully connected with many provincial and municipal fiscal budget units. It also signed a strategic cooperation agreement for with China UnionPay Qinghai Branch, Chengbei District Government and Chengzhong District Government.
On May 29, 2021, all members of the Party Committee of China Merchants Bank Xining Branch went to Maduo County to donate earthquake relief supplies.
Personal business continues to improve, presenting many highlights
full-time specializes in strengthening personal loans. Establish a personal loan team, actively connect with real estate projects, promote housing loans, and undertake the task of provident fund loan deployment in the province and city of the whole bank. Increase the investment in "Huaxia e-loan" and consumer loans. According to the branch's work deployment of "retail transformation and consumption breakthrough", it has increased the marketing promotion of "Huaxia e-loan" and established a good reputation for "Huaxia e-loan" in the market.
card single scene marketing. In response to the problem of weak merchant expansion efforts, a professional marketing expansion team was established to focus on the expansion of the collection business and merchant maintenance work.
Inclusive business makes efforts to achieve two increases and controls
vigorously expand customer acquisition channels. Collect and sort out customer lists, sort out information from 430 small and micro enterprises under Xining City to improve customer acquisition efficiency; further deepen communication and coordination with various departments of provinces and cities, timely obtain the latest information of small and micro enterprises, and broaden the platform customer acquisition channels; actively visit markets and industry associations, increase exchanges and communication with industry associations and professional markets such as Hubei Qinghai Chamber of Commerce, Inner Mongolia Qinghai Chamber of Commerce, Shaanxi Qinghai Chamber of Commerce, Northwest Stone City, Agricultural and Sideline Product Distribution Center, and carry out marketing face-to-face with customers.
achieves breakthrough in cooperation with the small and micro enterprise entrepreneurship center project. Up to now, 15 entrepreneurial loans have been issued, totaling 18.76 million yuan.
actively promotes credit product business such as " Bank Taxation ". After communication with the Qinghai Banking and Insurance Regulatory Bureau, the State Taxation Administration and other relevant functional departments, the "bank-tax connection" business is regarded as an important product for inclusive credit loans. The relevant agreement has been signed and the goal of "two increases and two controls" has been completed.
In September 2022, China CITIC Bank Xining Branch actively carried out financial publicity month activities.
fulfills social responsibilities and demonstrates a good corporate image
In April 2022, after the outbreak of the new crown pneumonia epidemic in Xining, Xining Branch of China CITIC Bank took the initiative to lower the loan interest rates of some enterprises, reduce and reduce more than 20 charging items, ensure the quality and efficiency of financial services, and support market entities to overcome difficulties together.
A certain power company in Xining City received a 1.2 million yuan credit entrepreneurship loan issued by the Xining Branch of China Huaxia Bank in November last year. April 21 is the time for the first installment repayment. Affected by the epidemic, several project payments from the company were unable to be successfully received and it was difficult to repay on time. After understanding the situation, China CITIC Bank Xining Branch immediately launched the business emergency plan, adjusted the credit plan according to the situation faced at that time, and formulated and canceled the original installment repayment plan that should be returned to part of the principal in 2022, and only implemented the new credit plan with quarterly interest payments to help enterprises overcome difficulties.
Since early April, China CITIC Bank Xining Branch has conducted comprehensive surveys of loan-holders and settlement accounts, understood the production and operation of customers, and formulated one-point financial service for one-point financial services emergency plan . For logistics and transportation, agricultural product supply, energy supply enterprises involved in "food, clothing, housing and transportation", as well as private small and micro enterprises, loan interest rates will be actively reduced. In accordance with the principle of "exempt as much as possible, and all that should be reduced", 14 charging items such as service fees for small and micro enterprises and individual business accounts will be reduced, and 8 charging items such as transfer fees will be significantly reduced, so as to strive to alleviate the cost pressure of enterprises and individual business accounts.
Since its establishment, China CITIC Bank Xining Branch has always regarded fulfilling social responsibilities as the top priority of its work. Over the past four years, a total of 4.65 million yuan has been invested to carry out poverty alleviation and public welfare donations.
China CITIC Bank Xining Branch will continue to seize opportunities and challenges, strengthen confidence, accurately recognize changes, respond scientifically, and actively seek change. It must not only grasp emergency measures, but also plan long-term strategies, do its own things well, and comprehensively promote the smooth realization of all work goals with stronger resilience and perseverance, and present a gift to the 30th anniversary of the founding of China CITIC Bank!
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Chuaxia Bank Xining Branch Elite eDisk
"Elite eDisk" is a credit loan issued by China Construction Bank for individual customers for consumer purposes.
product features: credit loans and quotas are recycled, without any guarantee, credit limit and period can be recycled; a maximum quota of 300,000 yuan can meet your personal or family's daily consumption needs, such as travel, decoration, education, medical care, car purchase, purchase of durable consumer goods, household appliances and other consumer expenses; repayment is flexible and borrowed and repayable at any time. Loans within one year can be paid monthly interest and repay the principal when due, and installment repayment is required for 1 year to 3 years.
loan interest rate: The annualized loan interest rate for areas under the jurisdiction of China CITIC Bank Xining Branch starts as low as 3.85%, and the actual approval results shall prevail.
loan object: State-owned enterprises, government agencies and institutions with good credit status in the province, provident fund normal deposit customers, Chinese citizens aged 22 to 55, have stable jobs and income.
Processing process: ① Apply at the outlet → ② Loan approval → ③ Mobile banking online withdrawal → ④ The funds are received.
(Xihai All-Media Reporter Xu Bianyin)
