光大银行：经营规模稳步增长

Everbright bank: the scale of operation steady growth

From a everbright bank has 2013 years working meeting to know, in the past year the world's major economies growth continues to slump, domestic economic growth slowed, the Banks of the increasingly fierce competition environment, the bank through the "structure adjustment and transformation strategy, innovation drive, risk prevention and control", realize the profitability continued to rise, the management scale steady growth, the risk defense ability to continuously strengthen.

According to the everbright bank released shortly before the performance of express, 2012 years to achieve business income is 59.793 billion yuan, a year-on-year increase of 29.78%; A net profit of 23.622 billion yuan, a year-on-year increase of 30.74%. To this, everbright bank said, get the performance is to structure adjustment effects. In 2012, the bank make effort to adjust the asset structure and customer structure, sinking customer center, vigorously develop small and medium-sized micro business, including quite a lot window present: one is closely around food, clothing, shelter and transportation, etc, according to the "ring", "chain" model development and downstream customers; The second is to optimize the process, improve efficiency, and promote for small and medium-sized micro business plan implement joint approval; Three is to establish a relatively clear small micro business model and operation mechanism. Head office level established small micro financial business development committee, improve the small micro business double assessment mechanism, clear the company line is responsible for the small micro business core enterprise management, launch "help industry credit" brand, and actively carry out the "mutual gold" business model pilot, and steadily promote the development of small micro business specializes in the construction of institutions. In addition, strengthening resource support, adjust the tests of stock due loans 20 billion yuan to support small micro loan on the. By the end of the year, the bank small micro business clients number is increased at the beginning of 258000 households.

Everbright bank but at the same time, innovation as a driving force for development, this paper puts forward to science and technology innovation as the gripper, business innovation, service innovation as the content, management innovation, mechanism innovation process for security, and constantly improve the innovation ability, promote to achieve their strategic transformation. Through the innovation of science and technology support, focus on "create the most innovative ability bank" strategic development vision, improve the innovation ability, and set up a scientific and technological innovation and product innovation laboratory, the laboratory construction and implementation the 11 innovation project. Broaden the electronic channel function, and strive to create "network of everbright bank", and gradually form the new business growth. According to statistics, the key product benefits is 33 items, bring 2.68 billion yuan net income, the innovative products drive customers increased by 48600 for saving cost 17.955 million yuan.

In the steady development of the business at the same time, everbright bank risk prevention and control ability and the basic management work has been improved remarkably. Through the continuous push strategy formulation and implementation, strengthening the internal control supervision system construction, to promote team construction, brand construction and mechanism construction. According to China's most valuable brands list shows that, the bank brand ranking 37, a year-on-year rise two. In addition, the network construction layout for continuous improvement. Guiyang, lanzhou branch successful practice, Hong Kong branch get licence, the new opened eight secondary branch business site 75, at present there are both tier-one branches of 36 home, secondary branch and home, business site 699.

Work on the meeting, everbright bank established in 2013, the main focus is to promote the implementation of the strategy to promote science and technology, service and product innovation, and promote enterprise linkage, insist on modeled management, redouble its efforts toward structural adjustment, focus on the implementation of the capital saving development mode; Adhere to the WenZhongQiuJin, maintain moderate growth, strengthen risk management and internal control, adhere to the fine management, strengthen cost control, optimize the allocation of resources, improve efficiency, to promote the development of more connotation. Look to the New Year, President GuoYou said: "everbright bank will mobilize various aspects' positive energy ', borrow group restructuring of the east wind, and all the staff to work up to the spirit of learning, innovation, risk and social responsibility, and constantly enrich the connotation for the mainstream culture, become a grade, connotation, respected bank."