Accelerate business transformation and achieve great improvement

Accelerate business transformation and achieve great improvement

Xia Qianyun

Since the beginning of this year, Hubei Hanchuan Rural Commercial Bank has transformed its business as the starting point, focusing on the point of this section, and increasing income and creating efficiency as a settlement point to promote the overall speed of quality and efficiency. As of the end of June, the revenue was 434 million yuan and the total profit was 178 million yuan. The business quality and anti -risk capacity increased significantly.

The bank's party committee held a special meeting of quality improvement and efficiency improvement to clarify the thinking of quality and formulate efficiency to ensure the implementation of quality and efficiency and increase. In addition, the concept of "great quality" has been established, and the idea of ​​"tight days" has been unified, and consensus has been condensed for comprehensively promoting quality improvement and efficiency. In order to make efficiency from management, the bank formulated expense management accounts, strengthened financial compliance inspections and training, and effectively promoted the smooth development of "income increase, branches, cost reduction, and creating efficiency". The bank establishes financial information feedback mechanisms, strengthens the quality of data statistical analysis, accurately feedbacks various financial information, and collects the exports of exports; Supervision, monitoring the entire process of each financial revenue and expenditure from all aspects of budget, authorization, application, approval, and fund payment.

The bank optimizes expense management, do a good job of operating cost control, and formulates the management plan for the process of expenses, increase control costs and linked for business expansion, and tilted limited costs to business. On the other hand , Expenditure of more than 30,000 yuan in accordance with the public bidding procedures, to strive for high prices and cheap products through bidding negotiations; optimize the deposit structure, do a good job of funding and control of funds, increase the proportion of new deposits and interest rates, and other indicators such as the proportion of new deposits and interest rates. Evaluation, strengthening per capita deposit growth, net increase in public deposit customers, and unit wages, etc., and continuously optimized the deposit structure. As of the end of June, the interest rate of the entire bank's deposit was 2.07%.

The bank takes the absolute main business of micro -loan as a breakthrough, and has continuously promoted the entire chain credit, the entire club credit, and the entire street credit. As of the end of June, the balance of micro -loan of the entire bank was 4.092 billion yuan, an increase of 1.068 billion yuan from the beginning of the year. Loan interest income; strengthen the application of micro -loan products, issue 159 million yuan in white collar loans, and green innovation loans of 02,200 yuan, which improves the loan audience. At the same time, in order to effectively strengthen interest rate management, for customer competitiveness, risk, comprehensive contribution rate, etc. The situation of interest rates was differentiated. As of the end of June, the interest rate of 4.76%was achieved, interest income was 270 million yuan, and the interest rate revenue was 99.6%.

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