Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd.
张家港行
002839
Shenzhen Stock Exchange
Company Profile
1. ZRC Bank is a commercial bank with deep cultivation of local and cross regional development. Zhangjiagang, where our headquarter is located, is one of the strongest comprehensive county-level cities in China, ranking among the top three in top 100 counties of China throughout the year. The economic structure of Zhangjiagang is relatively distinct and the economic pillar is prominent. Private sector, economies of scale and export-oriented economy share a triple balance of power. As the only first-tier bank institution in Zhangjiagang, ZRC bank has efficient-decision making process, the most vast branches and the widest coverage, and the natural information advantage formed by localization and the broad and solid customer base. After years of deep cultivation, our share of local deposit and loan market ranks in the forefront. In meantime, we have set up branches in Suchow, Wuxi and Nantong, three central cities in the Yangtze River Delta. There are also 19 sub-branches inside the province, 2 sub-branches outside the province, controlling 2 rural banks and investing in 5 rural commercial banks, making space for the sustainable development of the bank's business in the future. 2. ZRC Bank is a commercial bank with distinctive business operation characteristics. We have established the mission of "Making Inclusive Finance within Reach", adhered to the strategic positioning of supporting agriculture and supporting small businesses, focusing on serving small, medium-sized and micro enterprises, serving the real economy and rural revitalization of rural areas. We have reached more than 70% of the financial service coverage of small and medium-sized enterprises in Zhangjiagang, and explored a differentiated and characteristic development path. The proportion of individual loans in total loans has gradually increased and the transformation of retail banks has achieved remarkable results. 3. ZRC Bank is a commercial bank with digital application empowers business development. We took the leading role in setting up a model laboratory within the system of Jiangsu rural commercial bank. The lab is positioned as a technology driven financial innovation and empowerment center, using emerging technologies such as big data, artificial intelligence and block-chain to strengthen the ability of financial big data mining and analysis, and to promote digital marketing, digital operation and digital risk control. The application of financial technology enables the high-quality development of the ZRC bank's business. 4. ZRC Bank is a commercial bank with comprehensive service capability.We paid attention to strengthening the coordinated development and integration of four major sectors,customer operation capabilities, industry research capabilities, collaborative transmission capabilities, financial technology capabilities, and organizational evolution capabilities support system to form a comprehensive financial services capability. ZRC Bank has become a “Comprehensive Service Provider” for the real economy and various types of customers. 5. ZRC Bank is a commercial bank with stereoscopic marketing network system. We have focused on the implementation of the "Internet plus" strategy, vigorously developed in financial technology, innovated and improved telephone banking, Internet banking, mobile banking, WeChat banking, intelligent super counters and various types of Internet finance. We have established a stereoscopic online marketing system of "Online + offline" and "traditional + modern". 6. ZRC Bank is a commercial bank with steady improvement in quality and efficiency. We insists on focusing on quality and efficiency, vigorously preventing and controlling risks. By deepening transformation, ZRC Bank makes great contributions to improving quality and efficiency. For a long time,our core business indicators have always maintained the leading level in the bank industry and achieved high-quality development.
Full description
Jiangsu Zhangjiagang Rural Commercial Bank Co., Ltd. (Stock ticker: ZRC Bank, Stock code: 002839) was founded in November 2001, which is the first rural commercial bank in China. Since 2008, We were dedicated to implementing cross-regional development strategy. In 2011, We took leading role in piloting the Basel III practice in rural commercial banks across the nation and led the joint construction project of 8 rural commercial banks in southern Jiangsu. In January 2017, ZRC Bank was listed on the Shenzhen Stock Exchange, which was the first batch of listed rural commercial banks in China. Since the establishment, We have been firmly committed to strategic positioning of serving "agriculture, rural regions and farmers" and county economy, serving small and medium-sized and micro enterprises and serving individual customers. We have built up the relative business model, organizational regime and risk management system which matches the regional economic development, providing a strong impetus and fundamental guarantee for the sustainable and steady development of business. Our business segment consists of four major sectors: corporate finance, inclusive finance, financial market and E-finance. The business operations actively respond to the regulatory policy of "returning to the origin and focusing on main business", focusing on several key areas including small enterprise loans, small and micro finance, E-finance and retail business, supporting the service of real economy. We are dedicated to promoting differentiated and characteristic operation and development. We adhere to the mission of “Make Inclusive Finance within Reach”, focusing on the positioning of participant in the credit market for large enterprises and the leader in the market for small, medium-sized and micro enterprises. We have continuously promoted the implementation of Inclusive Finance and supported the transformation and upgrading of regional economy. From 2018 to 2021, ZRC bank has invested more than 10 billion new loans for four consecutive years, winning the first place in the evaluation of Suchow banking service to the real economy in 2020 and the first prize of outstanding institution in Inclusive Finance area. ZRC bank sustained to ascendingly invest in financial technology. The "New Core System Construction Project" was awarded the third prize of the 2019 bank science and technology development of the People's Bank of China, becoming the first commercial bank in the national banking industry to adopt domestic distributed database in traditional core system.