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Introduction of Harbin Bank
Developing Harbin Bank

 

Harbin Bank was founded in July 1997 ,headquartered in Harbin, Heilongjiang Province, with 16 branches (including 1 branch under construction) in Tianjin, Chongqing ,Dalian, Shenyang, Chengdu, Harbin, Daqing etc., and 24 village and town banks in 14 provinces and autonomous cities such as Beijing, Guangdong, Jiangsu, Jilin and Heilongjiang. Furthermore, it has invested to restructure Guangdong Huaxing Bank as a strategic investor. Currently Harbin Bank has 289 functional business bodies employing 7534 staffs with branching in six administrative regions in China. By the end of 2013, it has a total asset of 322.175 billion Yuan ,total deposit of 224.178 billion Yuan ,total loan of 105.941 billion Yuan. According to ‘Competitiveness Ranking of Asian Banks 2013’ (21 Century Economics Report), Harbin Bank ranked No. 4 among the Chinese inland city commercial banks. It also ranked No. 33 in ‘Top 50 Chinese Banks’ issued by Standard & Poor's in 2012.According to ‘Global 1000 Banks’ issued by UK’s “Banker” magazine in 2013, Harbin Bank ranked No. 313 in terms of first-class total capital, ranking No. 27 among the Chinese-funded banks, and No. 1 among the city commercial banks in the north-east region of China.

 

On 31st March in 2014, Harbin Bank listed on the main board of Hong Kong Stock Exchange (Stock Code: 06138.HK),which was the third city commercial bank in China and the only one in north-eastern China entering into Hong Kong capital market.

 

Harbin Bank holds the business philosophy of “Inclusive Finance, Harmonious Co-Enrichment” ,sticks to the development positioning of “being based on Longjiang, supporting SMEs, serving the Northeast, being geared to the country”, becoming the “first-class domestic and internationally renowned microfinance bank”,and builds the competitive strength in microfinance field. By 30th September 2013, its microfinance balance was 72.527 billion Yuan ,accounting for 69.1% of the total credit of the bank.Creatively ,it implements a micro-credit model of “localization plus internationalization”,researching and developing “Just-for-you” series products , exploring and coming up with internationally advanced microfinance technology in combination with national economic characteristics ,and becomes the first one to export microcredit know -how and technology among the domestic banks and institutions, establishing the microcredit leader position. Harbin Bank has been awarded as the “National Small Business Financial Services Advanced Unit” subsequently five times, won the international award of “Best Small and Medium Enterprises banking service of China” which was the only honor obtained among domestic city commercial banks ,furthermore it was also awarded the honor of “Best Small Business Loan Medium and Small-sized Bank” “China’s Top Ten City Commercial Banks” etc. Chairman Mr. Guozhiwen was nominated for the “Leader of the Year Award of the Global Micro Finance industry”, President Ms Gaoshuzhen was awarded the “person of the year in China in Microfinance Industry”, and several staffs won “the first price of Micro Entrepreneurial City Credit Administrator”, which demonstrated that Harbin Bank has become the Microcredit leader among the domestic financial institutions. It also cooperated strategically with PLANET FINANCE, IFC , Accion International America, UNDP and other international organizations , and actively participated in international microcredit development programs ,forming some certain international influences.

 

Harbin Bank keeps exploiting the market , deepening financial innovations ,and becomes the market leader in many banking businesses . It is one of the first city commercial banks starting microcredit businesses ,and the first one to launch rural finance services , expending businesses into 7300 villages ,67 farm lands ,70 counties and 14 provinces with accumulative customers over 1.4millions ,more than 700 “Just For You” e-outlets, and 40 rural finance service centers around China ,because of that it owns large rural financial business network and new rural electronic finance service channel . Harbin Bank is also the first city commercial bank to obtain the foreign exchange license in north eastern China ,one of the four market makers of RMB-Ruble trading in the interbank foreign exchange market of the PRC , the largest one for Ruble cash exchange with Ruble cash exchange representing more than half of the total Ruble cash exchange volume of financial institutions in China .and is praised by China Foreign Exchange Trading System & National Interbank Funding Center(“CFETS”) as the “Emerging currency market maker with the greatest improvement ” It was the first domestic bank to offer direct Ruble-RMB exchange rate, forming the exchange rate trend analyses which is an important reference for China government’s making financial policy towards Russia, and also a participant of the Financial Cooperation Sub-committee of the Regular Sino-Russian Premier –level Meeting Committee ,becoming an important part of Sino-Russian cooperation development . In addition to that, Harbin Bank has the most complete bond licenses and is the first city commercial bank to launch investment bank and interbank business in north east region of China. It was one of the three promotes of the Asia Financial Cooperation Association , and honored as the “outstanding Investment bank in China – Investment Bank with the Greatest Growth Potential “ by securities Times . After years’ development, Harbin Bank forms the business pattern of micro finance as the core, Russian finance, investment banking, wealth management and E- bank develop together, stepping into the target of collectivization, diversification and characterization.

 

Harbin bank regards scientific, steady and harmonious development as the foundation, emphasizes the enhancement of operation management, making the basis more healthy and sturdy, and grows with normalization, standardization and science. In compliance with Commercial Bank Law, Company Law and other regulation requirements, it establishes and completes modern enterprise system and perfects corporate governance structure. It cooperates with such as Deloitte and PWC international consulting firms ,making boldly reformation and exploration in corporate governance ,internal control and overall risk management ,IT system and performance appraisal system ,founding the scientific pattern of strategy ,mechanism, personnel and overall risk management ,building a policy of strict governance and standardizing development , organizing a devoting ,specialized ,professional and pure staff ,becoming a financial enterprise with sound governance practices ,clear positioning ,distinctive features ,a strong capital base ,an excellent team ,an advanced corporate culture .It has realized long-term and stably low risk and high-quality increase with operation ratios ranking high among domestic city commercial banks.

 

In spite of high speed growth, Harbin Bank has never forgotten its social responsibilities and persists in supporting social development .it made a contribution of more than 5 million Yuan to establish Harbin Numismatic Museum, constructed Anti-Japanese Hope Elementary School, established Hongyi Education Fund and Warm Longjiang Fund . It also made a contribution of 6 million Yuan to support the project of Harbin city card, and denoted 2.6 million Yuan to Wenchuan and Yushu earthquake affected area, fulfilling its enterprise responsibility and building good enterprise image. Harbin bank has been assessed to be the excellent unit award in the 29th, 30th, 31st model workers meetings subsequently, and the model unit award in the 32nd model workers meeting. Three of our staffs have been assessed to be the national model workers and won the national “May Day” labor medals.

 

Harbin bank will adhere to the business strategy of micro credit , and the idea of “with equal Spirit and Extreme Generosity, shouldering social responsibilities ,With a sincerest heart ,being a trustiest bank” ,building the “first-class domestic and internationally renowned microfinance bank “ and making greater contribution to financial business development and the construction of well-off society.
 
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