Zhangjiagang Bank (002839) issued a notice on January 19, 2022: Guoxin Securities Wang Jian Chen Junliang, CITIC Construction Investment Feng Xiujuan, CITIC Prudential plc Jiang Peng, Yi Fangda Muhua Lin Gaobang, Taiping Asset Management Geng Yanyan, Shanghai Shaosou Group Investment Wang Yudong, Guoshou Security Jiang Shaozheng Wuyue, East China Sea Management Xu ran investigated our company on January 18, 2022.
The main contents of this survey are as follows:Q: there are many export enterprises in Zhangjiagang, and the export data are relatively good this year, but the market generally expects that exports will weaken next year. Will Zhangjiagang Bank be affected?
A: at present, the focus of cross-cyclical regulation in the field of foreign trade at the national level revolves around the following four aspects: stable growth, promoting innovation, ensuring smooth flow and expanding cooperation. Our bank's foreign exchange line will also comply with the trend, evade risks in challenges and seek development in the midst of opportunities. First, facilitation channels and rich clearing channels, the former mainly means that after several years of efforts, our bank's foreign exchange business online operation has achieved full coverage of basic business, and is in the forefront of development compared with other banks in the same industry. the latter refers to the diversification and speed of our bank's clearing channels, improving the efficiency of our bank's use of foreign currency funds and promoting the development of the local foreign-related economy. The second is the expansion and upgrading of products, for example, our bank's independent research and development credit products foreign trade loan is about to open version 2.0, the product entry threshold and total credit volume are improved, and the range of target customers is also expanded accordingly, such as the gradual expansion of the derivative product store. it not only implements the requirements of regulating the neutral management of the exchange rate, but also increases the new income points of the foreign exchange business, so as to expand the base customers with less interest payment costs and the possibility of high returns. Drive the growth of settlement, assets, liabilities and other basic business. In 2022, our bank plans to take characteristic products as a stepping stone, supplemented by on-line facilitation operations, based on the real economy, implement inclusive finance, and unswervingly accompany small and medium-sized enterprises, which will continue to improve on the solid foundation accumulated this year.
Q: the proportion of corporate personal operating loans continues to rise. What is the plan for this part of the loan next year? How do you look forward to next year?
A: at present, more than 90% of the loans in the small and Micro Finance Division of our bank are personal operating loans. It is expected that the amount of personal operating loans in 2022 will be basically the same as that in 2021, while maintaining the intensity of consumer loans. The outlook for 2022 is mainly as follows: (1) with the help of the promotion of online products, we will further promote the development of online products and provide fast and convenient online liquidity loans for small and medium-sized enterprises. realize the two-dimensional risk identification of enterprises and individuals, mainly based on system support, expand customer coverage and disperse risks through the mode of "standardization, batching and decentralization". Finally achieve accurate access to customers digitally through the Internet. Our online products through docking tax, industry and commerce, judicial big data, customers in the mobile phone can achieve online loan, credit, signing, lending, really do not go out of the door, online second loan. (2) rely on phased assessment, steadily achieve the annual goal, formulate phased assessment methods and promote fission platform marketing, guide customer managers to define phased work priorities, guide account managers to adjust business structure, encourage account managers to make rational and effective use of resources, stimulate work enthusiasm, and clearly know the benefits of each business, so as to classify and effectively manage customers. Work out a set of plans to promote and maintain customers in the later stage, and at the same time constantly open up new ideas to solve marketing pain points. Build a channel construction system with mobile Internet as the media and online loans as the carrier. Broaden the marketing channels on the official account of Wechat to quickly reach the needs of customers. We will build the whole process of small and micro credit business at the end of WeChat Mini Programs, and realize the three-dimensional innovative channel construction system of official account + WeChat Mini Programs + mobile bank in the next stage. (3) innovating financial service products, implementing inclusive financial policies to explore new models of scene finance, docking specific scenes, reasonable drainage, increasing deep integration and docking with external traffic platforms, and accurately reaching scene customer groups with the help of actual scenes. combined with data analysis to continuously improve the dimension and ability of risk control, and improve the efficiency of customer acquisition. According to the logistics, business flow, capital flow and information flow in the supply chain, the circle chain financial service scheme tailored for the core enterprises has become a new way to expand the industry.
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.
A total of nine institutions have rated the stock in the last 90 days, six have bought ratings and three have increased their holdings; the average institutional target price has been 7.52 in the past 90 days; the net outflow of financing in the past three months has decreased by 118 million; and the net outflow of securities has decreased by 14.9468 million. The balance of securities lending has 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)