Zhangjiagang Bank (002839) issued a notice on January 5, 2022: Dacheng Fund Xu Yan, Bloomberg, Zhang Jiawang, Hou Chunyan, Shen Wanhongyuan, Zheng Qingming and Feng Siyuan investigated our company on January 4, 2022.
The main contents of this survey are as follows:Q: what are the characteristics and characteristics of your bank in corporate culture?
A: our bank has created the brand culture of everyone's culture and finance, attached importance to employees' sense of belonging to the company, made great efforts to build the brand of "home" culture, conducted all-round training and promotion of corporate culture, and forged the staff team with corporate culture. At the same time, in the staff management and training system, the School of Finance has been established, focusing on the training of professional personnel, according to the sequence of professional personnel, it is divided into corporate finance school, retail finance school, everyone inclusive college, everyone micro college, operation school, management school and so on. Take the small and Micro Finance Division as an example, the small and Micro Finance Division has always adhered to the same frequency resonance of compliance and development. The average age of small and micro teams is 28 years old. Under the guidance of "Youth Party Building", our bank integrates the compliance culture into the daily management of employees and the process of training and promotion, adhering to the team culture of "openness and transparency, clear rewards and punishments". Xiao Wei has been committed to creating a warm family culture, so that employees have a more "sense of achievement" and "sense of belonging". In recent years, with the continuous development of business and the expansion of small and micro personnel, our bank has set up the "everyone Micro College", including new employee charge camp, account manager promotion camp, star lecturer camp, management team vanguard camp and other training processes. established a set of training system in line with its own reality. The small and Micro Finance Division has not only set up a relatively perfect position promotion system and strict exit mechanism for all small and micro employees, but also become a Huangpu military Academy for personnel training in the whole bank, and has been providing management talents to other departments of the head office in recent years.
Q: what are the characteristics of your bank's small business monopoly?
A: the franchise characteristics of small enterprises are mainly reflected in the following aspects: strengthening the operation system and marketing mechanism. Based on the overall investigation of the inclusive business operation mode of the same industry institutions in our jurisdiction, take its advantages and improve the operation system of the bank's small enterprises. Then take the enterprise grid marketing management method as the starting point, take the non-loan household visit and the "hundred banks into ten thousand enterprises" activities as an opportunity to urge customer managers to carry out marketing work in a targeted, directional and quantitative manner. And with the help of the people's Bank of China to support agriculture and small re-loan funds to provide high-quality and low-interest financing support for small and micro at the same time to ensure the sustainability of credit. Optimize process transformation and customer experience. Formulate a time-limited completion system covering all links to ensure the timeliness and effectiveness of inclusive caliber business delivery. With the concept of "standardization + online + clustering", the small Business Department is committed to the inclusive financial development model of the combination of wholesale and zero and the integration of online and offline, and develops half-online and full-line credit products by optimizing traditional offline products. strengthen product development and innovation iteration. From the traditional offline business 5-7 working days to 2-3 working days of half-online business, and then to minute-level pure online business, non-touchable marketing means to serve customers, optimize customer experience, and improve the per capita yield of customer managers. Change the service strategy for the traditional offline business, customize the overall financial service plan, enhance the interaction between banks and enterprises, and enhance customer stickiness. At the same time, for the core key customers, the concept of ring chain marketing development is adopted to get through the upstream and downstream enterprises through the core enterprises, and the whole process of point expansion is used to radiate each operation stage of the core enterprises.
Zhangjiagang Bank's main business: corporate business, personal business, financial market business
According to the third quarterly report of Zhangjiagang Bank in 2021, the company's main income was 3.431 billion yuan, up 10.66% from the same period last year; the net profit was 975 million yuan, up 26.97% from the same period last year; and the non-net profit was 941 million yuan, up 27.62% from the same period last year. Among them, in the third quarter of 2021, the company's main income in a single quarter was 1.206 billion yuan, up 23.04% from the same period last year; and the net profit in a single quarter was 379 million yuan, up 37.89% from the same period last year. The non-net profit in a single quarter was 357 million yuan, up 34.22% from the same period last year; the debt ratio was 91.23%, and the investment income was 565 million yuan.
In the last 90 days, a total of eight institutions rated the stock, including five buying ratings and three overweight ratings; the average institutional target price in the past 90 days was 7.39; the net financing outflow in the past three months was 74.9285 million, resulting in a decrease in financing balance; and the net outflow of securities loans was 19.2994 million. The balance of securities lending decreased. According to the Securities Star valuation analysis tool, Zhangjiagang Bank (002839) has a good company rating of 2.5 stars, a good price rating of 4 stars, and a comprehensive valuation rating of 3 stars. (rating range: 1-5 stars, up to 5 stars)