2. Harbin Bank is Harbin Bank and the only joint-stock commercial bank with legal personality in Harbin, Heilongjiang Province. 1997 was established in February with total assets of 270.409 billion yuan (at the end of 20 12).
Harbin Bank is headquartered in Harbin. At present, there are 15 branches in Harbin, Tianjin, Chengdu, Shenyang, Dalian, Chongqing and Jiamusi, and 24 village banks and more than 200 business institutions in Beijing, Shenzhen, Jilin, Gansu, Chongqing and Heilongjiang.
Harbin Bank always puts risk prevention in the first place. Under the guidance of supervision departments at all levels, we will actively explore the risk prevention mechanisms and methods of modern small and medium-sized commercial banks, introduce the risk management concepts of advanced commercial banks at home and abroad, strengthen the risk management infrastructure, innovate means and methods, and take various measures to strengthen risk management and improve the level of risk prevention. Strengthen process management, implement the process management of the whole credit process, set up different departments for credit review, approval, issuance and post-loan management, and implement the whole process management according to the business operation process. Strengthen credit management, and establish a credit management model of "separation of examination and loan, grading examination, centralized examination and approval, comprehensive supervision, differential authorization and mutual restraint". The centralized business management mode is implemented, and business supervision, settlement, bank-enterprise reconciliation and financial accounting are concentrated in each management center, which improves the scientific, professional and work efficiency of management.
3. The loan issuance is monitored by the monitoring center, and the credit files are strictly audited, which effectively avoids the credit risk and timely blocks the loopholes caused by incomplete procedures in the loan issuance process. Improve the construction of credit business authorization system. Credit business of the whole bank shall be rated, and differentiated authorization shall be made according to the rating results and the risk degree, marketing objectives and customer demand characteristics of credit products. Implement accountability system.
Harbin Bank attaches great importance to the construction of corporate culture, creates a unique corporate culture, standardizes the corporate identity system, corporate philosophy system and corporate behavior standard system, establishes a corporate culture system with the concept of "inclusive finance and harmonious wealth", and forms a relatively complete brand communication system with its own characteristics, such as risk culture, employment culture, credit culture, marketing culture, micro-credit culture and network construction culture.