The Development Course of Nanjing Bank

Nanjing Bank was established on February 8th, 1996, and it is one of the earliest city commercial banks.

Bank of Nanjing is a joint-stock commercial bank composed of state-owned shares, Chinese legal person shares, foreign shares and many individual shares, and implements a first-class legal person system. Seven branches have been established in Taizhou, Shanghai, Wuxi, Beijing, Nantong, Hangzhou and Yangzhou, and there are 60 outlets in Nanjing with more than 2,400 employees.

Adhering to the concept of "adhering to scientific development, giving priority to development and ensuring steady development", Nanjing Bank has seized market opportunities externally and continuously improved its management level internally, and its operating performance has increased substantially year after year, achieving leap-forward development.

200 1 Nanjing Bank absorbs investment from international finance companies. In 2005, it signed a strategic alliance and cooperation agreement with BNP Paribas.

In 2006, Bank of Nanjing became the largest shareholder of Rizhao Bank with 65,438+08% shares.

In July 2007, Bank of Nanjing was successfully listed on the Shanghai Stock Exchange with the stock code (60 1009), becoming the first city commercial bank in China to land on the Shanghai Stock Exchange.

In 2009, Nanjing Bank participated in Jiangsu Financial Leasing Co., Ltd., extending the field of financial services; Initiated the establishment of Yixing Yangxian Village Bank and Kunshan Lucheng Village Bank to set foot in rural finance.

In 2009, Bank of Nanjing ranked 366th in the annual ranking list of 65,438+0,000 big banks in the world published by The Banker.

In 2009, with total assets of less than US$ 40 billion, Nanjing Bank ranked first in China and second in Asia in terms of competitiveness of Asian banks.

Development concept:

Adhere to scientific development;

Highlight the first development;

Ensure steady development.

Business summary:

Business scope includes: absorbing public deposits; Issue short-,medium-and long-term loans; Handle domestic settlement; Handle bill acceptance and discount; Issuing financial bonds; Acting as an agent to issue, honor and underwrite government bonds; Buying and selling government bonds and financial bonds; Engage in interbank lending; Buying and selling, acting as an agent to buy and sell foreign exchange; Engaged in bank card business; Providing letter of credit services and guarantees; Acting for payment and insurance agency business; Provide safe deposit box service; Other businesses approved by China Banking Regulatory Commission.

Bank of Nanjing topped the list of outstanding members of China bond valuation in 2009.

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China Government Securities Depository and Clearing Co., Ltd. recently announced the list of outstanding members of China bond valuation in 2009, and our bank topped the list.

This ranking is based on a series of indicators to commend the top 20 bond yield curve valuation institutions in 2009. In addition to banks, Bank of Communications, HSBC and Guangfa Bank are also on the list.

Strategic Cooperation between Bank of Nanjing and BNP Paribas

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On June 5438+1October 65438+February, 2005, the signing ceremony of strategic cooperation and investment between Bank of Nanjing and BNP Paribas was held at Hilton Nanjing Hotel. Relevant leaders of Nanjing Municipal People's Government, China People's Bank and China Banking Regulatory Commission, senior managers of East Asia Pacific Bureau of International Finance Corporation, senior managers of Bank of Nanjing and BNP Paribas attended the signing ceremony.

Bank of Nanjing was established on February 6th, 1996. Since its establishment nearly 10 years ago, Nanjing Bank has been accurately positioned in the market, and its business development has continuously stepped up to a new level, realizing the coordinated development of scale, quality and efficiency. Its asset scale, operating efficiency and comprehensive indicators of operation and management are among the best among the three city commercial banks in China1/kloc-0.

Nanjing Bank is striving to build the basic framework of modern commercial bank management, and strive to build Nanjing Bank into a listed bank with a certain scale and strength and cross-regional operation.

BNP Paribas, the largest bank in France, was formed by the merger of BNP Paribas and banque paribas. According to the ranking of global banks by Global Finance magazine in 2003, BNP Paribas ranked 10 among global banks. BNP Paribas maintains a leading position in core business areas such as corporate and investment banking, asset management and financial services, and retail banking. BNP Paribas has high hopes for its development in China and will accelerate its business development in China in the future.

With the active advocacy of the China Banking Regulatory Commission and the strong assistance of the International Finance Corporation, after more than a year of negotiations, Nanjing Bank and BNP Paribas finally established a strategic cooperative relationship. BNP Paribas will invest in Nanjing Bank, holding about 19.2%, becoming the second largest shareholder; The investment will be made in the form of equity transfer. IFC will transfer 65,438+00% of the shares, and other Chinese shareholders will transfer 9.2% at a transfer price of RMB 3.04 per share. This will be the first time that a French bank has invested in China's banking industry. BNP Paribas will nominate directors to join the board of directors, appoint a vice president of Nanjing Bank to participate in the operation and management, and assign experts in the fields of risk management, financial management and internal control to work in Nanjing Bank according to the needs of cooperation.

Bank of Nanjing and BNP Paribas will cooperate in retail banking, capital market, consumer credit, wealth management, risk management, information technology, organization and management, finance and human resources. The forms of cooperation include introducing new products and services, conducting business together, sharing experience and skills, personnel training, seconding experts, exchanges and visits. At present, the specific cooperation projects between Nanjing Bank and Cetelem, a subsidiary of BNP Paribas Group, are under negotiation.

Through strategic cooperation, Bank of Nanjing uses the experience and technology of BNP Paribas in core business areas to improve the service quality and competitive strength of Bank of Nanjing and consolidate its leading position among city commercial banks in China.

Through strategic cooperation, BNP Paribas takes advantage of Nanjing Bank's familiarity with China's financial market, enhances BNP Paribas' understanding of China's financial market and business environment, and creates conditions for BNP Paribas to better expand its business in China market.

Our bank successfully listed on the A-share market of Shanghai Stock Exchange.

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On July 19, 2007, the Bank was successfully listed on the A-share market of Shanghai Stock Exchange.

At 9 am, the listing ceremony of the bank was held in the trading hall of Shanghai Stock Exchange. Jiang Hongkun, Mayor of Nanjing, leaders of Jiangsu Financial Office, Nanjing Branch of People's Bank of China, Jiangsu Banking Regulatory Bureau, Jiangsu Securities Regulatory Bureau, CITIC Securities, the head of Shanghai Stock Exchange, bank leaders and middle managers attended the listing ceremony. Jiang, Chairman and Mayor of CITIC Securities, delivered speeches successively. President Zhang Ning and the person in charge of the Shanghai Stock Exchange signed a listing agreement and exchanged gifts. At 9: 25, with Mayor Jiang Hongkun and Chairman Fu Lin both ringing the gong for listing, the electronic screen of the trading hall jumped out of the opening price of the Bank on the first day, marking the successful realization of the listing strategy of the Bank.

I hope that the whole bank will make persistent efforts, continue to actively and healthily develop personal assets business, strive to break through 5 billion yuan as soon as possible, and present a generous gift for the successful listing with good performance.

Global ranking of 1000 banks in 2009-the Bank ranked 366th.

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In July 2009, The Banker published the global ranking of 1000 banks in 2009. Nanjing Bank entered the ranking for four consecutive years, ranking from 384th in the previous year to 366th, ranking 20th among all banks in Chinese mainland.

In 2008, faced with the complicated financial situation, Nanjing Bank maintained a good development trend, with sustained growth in total assets, liabilities and profits, and healthy development of various businesses. By the end of last year, among the four listed banks in China, Bank of Nanjing ranked fourth in net profit growth.

Banker magazine, founded in 1926, is a famous financial publication under the Financial Times. The magazine's ranking of global 1000 banks is based on the comprehensive performance of Tier 1 capital, assets, total profit before tax, return on capital, capital adequacy ratio and non-performing loan ratio.

Intellectual property rights become "loans": Nanjing Bank constantly explores new ways of guarantee.

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Guarantee method: intellectual property pledge

Innovation Bank: Bank of Nanjing

Guarantee method: the enterprise recommended by the exchange; Bank due diligence; The third party evaluates the pledged intellectual property rights; The bank discounted the loan according to the evaluation value.

Sales from 900,000 yuan to 6,543,800 yuan. It took only one year to complete this amazing leap. This miracle happened in a small technology enterprise.

It was established in the second half of 2006 and began to sell in 2007. In the next two years, which is also the worst year of the international financial crisis that all small enterprises have heard of, the sales of Jiangsu Gong Xin Software Technology Development Co., Ltd. (hereinafter referred to as "Gong Xin Software") has seen incredible growth. The growth rate of software in Gong Xin is the epitome of the development of many small technology enterprises. "Our sales target this year is 30 million yuan." Sheng Qiaoyun, the financial director of the software company, looked ambitious in front of reporters.

However, without the innovation of Nanjing Bank's guarantee method, Gong Xin Software would not have such a strong wing to take off, let alone an enviable growth today.

Encounter "matchmaker"

A car, a few computers, a rented house, in the animation building of Nanjing Pukou High-tech Development Zone, these are all charitable trust software, and they are also all the "possessions" of many similar small technology enterprises in the initial stage of their business.

There are hardly any collateral that can reassure banks. The only valuable thing is the three copyrights that belong to them. Can three "intangible" copyrights be used as collateral for loans? Among more than 20 commercial banks in Nanjing, who will give intellectual property pledge loans to such a small technology-based enterprise with good prospects but no traditional collateral?

In April 2008, by chance, Sheng, who often went to Jiangsu Technical Property Exchange (hereinafter referred to as "the Exchange") to go through various formalities, saw the Cooperation Agreement on Intellectual Property Pledged Loan signed by Nanjing Bank and the Exchange in 2007, which made her shine: since intellectual property can be pledged as a loan, the financing problem of the company can be solved.

The loan financing demand of Gong Xin Software has attracted the attention of the Exchange. The exchange took the initiative to play the role of "matchmaker" and recommended it to Nanjing Bank.

"We recommend small technology-based enterprises, mainly depending on whether the enterprise is full-time, dedicated and single-minded." Duan Yingbing, the technology market and property rights trading department of the exchange, told reporters that the enterprises recommended by the exchange generally first look at whether the industries where small technology-based enterprises are located conform to the national industrial policies and whether the industrial prospects are good; It depends on whether the financial statements of the enterprise are in a virtuous circle; In addition, it depends on the qualifications of enterprises. If a small science and technology enterprise has won the National Science and Technology Progress Award or been supported by the Innovation Fund for Small and Medium-sized Science and Technology Enterprises, then this is a qualification certificate, which at least proves that it is indeed an excellent small science and technology enterprise, which also helps banks to judge the repayment ability of enterprises. "Gong Xin software meets our selection conditions, so we recommend it. Bank of Nanjing has always recognized the companies we recommend, and their policies are very local. "

Copyright becomes a "loan"

"At present, the mode of Nanjing Bank's intellectual property mortgage business is mainly recommended by Jiangsu Technical Property Exchange. After getting the recommended project, Nanjing Bank conducts enterprise research, and then invites third-party intellectual property appraisal institutions recognized by banks and enterprises to conduct asset appraisal. " Shu Xingnong, deputy governor of Nanjing Bank, told the reporter that the Jiangsu Technology Property Exchange recommended it because the exchange was exposed to a lot of information about small and medium-sized technology enterprises in the process of intellectual property technology transfer and transaction, and also had a deeper understanding of the basic situation, growth stage and financing needs of enterprises; In addition, if the bank does not understand the patent right, the exchange will invite experts to cooperate with the bank to complete the pledge of intellectual property rights.

In the specific pledge process, if the enterprise takes the patent right as collateral, it needs to go through the pledge formalities at the State Patent Office; If the software copyright is used as collateral, you need to go through the pledge formalities at the National Copyright Administration. After the formalities are completed, the original patent certificate is locked in the safe and given to the bank. Software companies have one more program than other technology companies, which is to copy the source code to the loan bank and then store it in the safe deposit box of a third-party bank recognized by both parties. Shu Xingnong said that banks in Nanjing generally grant loans at 20% to 30% of the assessed value, with a maximum limit of 2 million yuan and a loan period of one year. "The three copyrights brought by Gong Xin Software this time, the evaluation company evaluates the value of 4 million, and we give it a loan of 6.5438+0 million. Later, after the company repaid the loan of 6,543,800 yuan, it mortgaged the loan of 6,543,800 yuan with these three copyrights. "

With a loan of 2 million yuan obtained from three copyright pledges, Gong Xin Software quickly carried out market development and software research and development. "At first, our ability could only cope with the list of Jiangsu public security systems. Obtaining loans through copyright guarantee, our customers have expanded to Henan, Gansu and Anhui. The company's employees have also increased from more than 20 at the beginning to more than 60 now. This year the company is also preparing to recruit people. " Sheng said, "The most gratifying thing is that at present, the company has added two copyrights, with a total of five copyrights. In addition, three copyrights are being applied for. We intend to take five copyrights as collateral and borrow another 2 million. "

The strongest desire of "the earliest bank"

"Nanjing Bank is the earliest bank engaged in intellectual property pledge loan business in China, and it is also the most recognized bank in Nanjing to do intellectual property pledge loan business so far." Shu Xingnong revealed that as early as 2007, Nanjing Daojitian Software System Co., Ltd. successfully obtained the first pure intellectual property pledge loan from Nanjing Bank with software copyright, that is, the enterprise pledged completely with computer software copyright (after evaluation) without any mortgage guarantee. "Small technology-based enterprises are characterized by urgent demand for funds, but the amount of funds needed at one time is not very large. In order to expand the financing channels of technology-based enterprises and promote the accelerated development of small technology-based enterprises, we signed a cooperation agreement with the exchange. "

When the agreement was signed in 2007, Nanjing Bank made intellectual property pledge loans for two small science and technology enterprises. In 2008, four companies were established; Six companies were established in 2009, and the balance of intellectual property pledge loans was 9.5 million yuan; 20 10, it is estimated that there will be more than 10. "Now the state is giving more and more support to small science and technology enterprises, and many procedures are very simple. For example, if you apply for pledge now, you don't need to go to Beijing specially. In Nanjing, you can apply online and mail materials. According to my observation, the intellectual property pledge loan business will have great development prospects in Jiangsu. "

Shu Xingnong's "development prospect" is based on his understanding of the rapid growth of intellectual property applications in Jiangsu Province: since the Eleventh Five-Year Plan, the number of patent applications and authorizations in Jiangsu Province has increased by 55% and 52% annually, both exceeding the national growth rate by more than 30 percentage points, especially in 2008, the number of patent applications reached 6.5438+0.28 million, ranking first in the country in history; From 1 to 10 in 2009, the number of patent applications in Jiangsu Province was 120744, which continued to rank first in China, with a year-on-year increase of 30.6%. 2 1480 invention patent applications, up 39.7% year-on-year, ranking second in the country for the first time; The number of patents granted reached 64,528, a year-on-year increase of 74.6%.

"The huge number base of intellectual property rights in Jiangsu Province and the great attention paid by the Jiangsu provincial government to the' technology and finance' are the market basis for our large-scale intellectual property pledge loan." Shu Xingnong told reporters that in 2009, Nanjing Bank signed a technology and finance service cooperation agreement with Jiangsu High-tech Entrepreneurship Service Center, and established a long-term and stable cooperation platform in technology and finance, which made Nanjing Bank's intellectual property pledge loan business advance by leaps and bounds and walk in the forefront of the national peers.

"This year, we intend to extend intellectual property pledge loans to areas with branches of Nanjing Bank in the province, focusing on supporting small technology-based enterprises that can be industrialized or have a certain market base and scale, and supporting intellectual property pledge loans. When conditions are ripe, we will also set up special science and technology banks in development zones and high-tech parks. Now, Bank of Nanjing has raised its support for the development of small science and technology enterprises to a strategic level. " Shu Xingnong said.

Nanjing Bank won the "20 10 China Excellent Enterprise Award for Corporate Social Responsibility".

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The "20 10 China Corporate Social Responsibility Annual Meeting" jointly sponsored by China Association of Enterprises with Foreign Investment, china charity federation, China Private Economy Research Association and China Enterprise News was held in Beijing on June 9, 2000. At the meeting, Nanjing Bank won the "20 10 China Excellent Enterprise Award for Corporate Social Responsibility".

China's annual corporate social responsibility conference has been held twice so far, which has received strong support from the United Nations Global Compact Office, the International Labor Association and other institutions and has great influence in China. The main purpose of the annual meeting is to guide and encourage enterprises to better fulfill their social responsibilities, take the initiative in the future global enterprise competition, set an excellent example, encourage more enterprises to fulfill their social responsibilities, and build a harmonious society.

This year's annual meeting attracted the attention of many multinational companies and large enterprises, and 1000 enterprises such as Microsoft, Coca-Cola and State Grid participated in the selection. The Organizing Committee conducts inspection and deletion through enterprise recommendation, questionnaire survey and expert evaluation of the Committee. , and adopted a number of indicators such as corporate governance and moral values, employment and employee rights protection, environmental protection and energy conservation and emission reduction, product quality management, consumer rights protection, and good public image. And formulated a strict evaluation system, and finally selected 36 enterprises with special social responsibility awards and 50 enterprises with outstanding social responsibility. CCTV, Beijing Satellite TV, Phoenix Satellite TV, Sina Finance, Xinhua News Agency, China News Service, Reuters, The Wall Street Journal and many other media reported on the annual meeting.

Corporate social responsibility is conducive to the sustainable development of enterprises themselves and the construction of a harmonious society. Nanjing Bank has always been committed to the development model of "balance, inclusiveness and win-win", and constantly fulfilled its social responsibilities and obligations while practicing Scientific Outlook on Development. This selection is a full affirmation of Nanjing Bank's efforts to undertake corporate social responsibility from all walks of life. Bank of Nanjing will continue to adhere to the business philosophy of "casting honesty for society, creating excellent service for customers and seeking lasting returns for shareholders", further strengthen the practice and innovation of social responsibility, and strive to pursue the unity of social environmental benefits and economic benefits!