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中国银行鹰潭市分行地处江西省的一个人口不足百万,国民生产总值不足40亿元的经济欠发达城市,在建行十四年的经营经历中取得了13年盈利、拥有5.48亿元人民币信贷资产而不良率仅为8.38%的不凡业绩。在各国有商业银行普遍面临信贷资产困境的今天,鹰潭市分行是如何保持高优良率的信贷资产的呢?在客户选择、贷款投向上不受外界风吹草动的影响,坚持既定的经营方针和信贷原则,选择优客户、选准好项目。
Bank of China Yingtan Branch is located in Jiangxi Province, a population less than one million, GDP less than 4 billion yuan in economically underdeveloped cities in the bank’s 14-year operating experience made 13-year profit, with 548 million yuan Credit assets and non-performing rate of only 8.38% extraordinary performance. How banks in Yingtan City maintain a high credit rate of credit assets today when commercial banks in various countries generally face the dilemma of credit assets? They are not influenced by the outsiders’ decisions on the choice of customers and loans, and adhere to established operating principles and principles of credit , Choose excellent customer, choose the right project.