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今年以来,在经济下行的金融环境下,一些地区出现了不良暴露的情况。而江苏兴化农村商业银行(以下简称农商行)坚持履行社会责任、加大业务拓展、优化信贷结构、提高资产质量相统一,紧贴地情和行情,采用“加、减、乘、除”的方法同步优化贷款增量和存量,实现了信贷结构在行业、产业、客户、质态等方面的优化调整。截至2012年6月末,各项贷款余额117.66亿元,存量市场份额达44.60%,比去年同期提高0.14个百分点;上半年各项贷款余额净增加17.58亿元,居泰州市各金融机构之首,新增市场份
Since the beginning of this year, there have been some adverse exposures in some areas under the financial downturn in the economy. However, Jiangsu Xinghua Rural Commercial Bank (hereinafter referred to as “Rural Commercial Bank”) persisted in fulfilling its social responsibility, expanded business expansion, optimized credit structure, improved asset quality, and closely followed the situation and market conditions. Adopting the principle of “adding, subtracting, multiplying and dividing ”Method to simultaneously optimize loan increment and stock, and realize optimization and adjustment of credit structure in industries, industries, customers and quality. As of the end of June 2012, the loan balance of 11.766 billion yuan, the stock market share of 44.60% over the same period last year increased by 0.14 percentage points; the first half of the loan net increase of 1.758 billion yuan, ranking first in all financial institutions in Taizhou, Add market share