I. Contents of China Merchants Bank Corporate Culture
1. Vision of China Merchants Bank
To create a blue-chip stock market, and to build a hundred years of China Merchants Bank
2. Mission of China Merchants Bank
Provide the newest and the best financial services to our customers
3. Core Values of China Merchants Bank
Service, innovation and steadfastness
4.4. CBN Business Philosophy
Change according to the situation, change according to you
5. CBN Development Philosophy
Harmonious development of efficiency, quality and scale
6. CBN Humanistic Philosophy
Respect for the humanistic sharing
7. CBN Overall Philosophy
Overall supremacy, harmony is beautiful
8. The spirit of China Merchants Bank
Challenging self-reflection and dedication
9. The style of China Merchants Bank
Strict, solid and efficient
Second, China Merchants Bank's corporate culture connotation
1. Strive to create a stock market blue chip to create a hundred years of China Merchants Bank
● Strive to create a stock market blue chip
"stock market blue chip "is both an abstract definition and a concrete concept, which contains the connotation of standardized operation, excellent performance, favored by investors, respected by the community, and trusted by customers; it is both a static goal and a dynamic process, and to maintain the blue chip status in the long term, it requires continued struggle and upward mobility in terms of determination, courage and action.
Internationally, it is usually the net income of the bank as the bank's short-term goal, and the stable growth of the bank's market capitalization as the bank's long-term business objectives. The market value mentioned here is the net discounted value of forward cash flows in the balance sheet, which, in layman's terms, is whether a bank is worth more money year after year. In the view of advanced foreign banks, the steady growth of market capitalization is the fundamental criterion for measuring the success or failure of a bank's operation.
● To build a hundred years of China Merchants Bank
Embodying the ambition and determination of China Merchants Bank to become an evergreen business; embodying the long-term commitment to the community, customers, employees and shareholders.
The meaning of this vision is, firstly, to build China Merchants Bank into a modern commercial bank in line with international practices in accordance with the requirements of representing the advanced productive forces, and strive to win a place for China's national banking industry in the international financial arena; secondly, to build a management culture with the characteristics of China Merchants Bank in accordance with the requirements of representing the direction of the advanced culture, and to create a healthy and positive corporate culture and good atmosphere; thirdly, to build a management culture with the characteristics of China Merchants Bank in accordance with the requirements of representing the direction of the advanced culture, and to create a healthy and positive corporate Third, in accordance with the requirements of representing the fundamental interests of the broadest possible range of people, to maintain a stable and sustained growth in profits, constantly improve the level of service, to make due contributions to the comprehensive construction of a moderately prosperous society, to provide shareholders with generous returns, to provide customers with excellent service, and to provide employees with a satisfactory career.
2. Provide customers with the latest and best financial services
As the mission of China Merchants Bank, providing customers with the latest and best financial services embodies the pursuit of not pursuing the largest scale, but rather the pursuit of providing the highest quality and the most colorful financial services to meet the needs of customers, employees and shareholders.
The new customer economy era of China Merchants Bank:
First, the highly monopolized structure of the banking market has been broken, and a pattern of fierce competition among peers has been formed.
Second, bank credit as a single financing channel for enterprises has been broken, and a diversified financing pattern has been formed.
Third, the passive situation of customers obeying the bank has been broken, and customers have higher and higher requirements for the bank.
3. The core values of China Merchants Bank
● Service
Insisting on customer-centeredness, respecting and caring for customers, discovering customers' needs, providing personalized products and services, and meeting customers' expectations and dreams; emphasizing internal service, internal service is the foundation of external service, and managers at all levels have to have a strong sense of service, and do a good job in servicing the internal customers and front-line service. .
To establish a "big service" and "customer-oriented" thinking. The so-called "big service" concept is a series of complete service process all in one, the formation of the ability to use the whole line from upstream to downstream network and implementation capabilities.
To do three changes:
First, the role of staff positioning "on behalf of China Merchants Bank" to "on behalf of the customer" change;
Second, the standardized service to the personalized, nuanced, affectionate service change;
To achieve three realms:
First, customer satisfaction - with professional skills, to provide customers with all the services they can mention credit, so that customer satisfaction.
The second is to let the customer surprise - to do things by heart, to provide customers with personalized service, from satisfaction to "overflow".
The third is to let the customer touched - with the love of service, in the physical feeling and psychological feeling of the guests are beyond the expected value.
● Innovation
To adapt to the development trend of the banking industry, market competition and the various challenges facing the enterprise, and to respond flexibly to the various changes and challenges; to keep an open mind, to boldly carry out
attempts, to continuously improve the work, and to tolerate failure.
Innovation is the soul of a nation's progress, and it is also a key factor for commercial banks to enhance their core competitiveness.
Institutional innovation, technological innovation and cultural innovation are the key driving forces for the operation and development of China Merchants Bank.
Financial e-commerce is the driving force of financial innovation and development, and is a strategic choice for China Merchants Bank's future development.
The "cement and mouse" model of using e-commerce technology to transform and reengineer the network of traditional banks is the basic direction of China Merchants Bank's network banking development.
China Merchants Bank's financial innovation should have its own characteristics, the key to grasp the following points:
Highlight the business characteristics;
Focus on market segmentation;
Form a distinctive brand;
Play the advantages of science and technology.
● Robustness
Emphasize risk management, regard asset quality as the life of the bank, effectively control operational risks, and invest prudently; standardize operations and operate in compliance in order to achieve long-term, stable development.
Stability has a double meaning, one is steady and the other is healthy. It means to develop under the premise of controlling risks and ensuring quality. Merchants Bank to control risk as a method of thinking in the work. However, the risk culture is not rigid, but flexible and balanced between risk and reward. Controlling risk is positive, to be balanced on the basis of the development of the business under the premise of controlling risk, in an efficient market, only recognize the risk and take certain risks on the premise of return, which is sound.
Among the core values, service, innovation, and soundness are listed in order of importance.
4. Business Philosophy of China Merchants Bank
● Changes due to the situation
Emphasizes that China Merchants Bank must change itself and adapt to the market according to the changes and requirements of the internal and external environments, such as politics, economy, society and technology.
●Change because of you
is a goal to pursue, or a way of thinking. It reflects the fact that China Merchants Bank provides products and services according to customers' needs and always follows through. It is not only the modern commercial bank's self-market role positioning, but also a continuous pursuit of the process of continuous innovation, as well as a method of thinking in the bank's work.
The so-called "change for you" is to take the market as the guide, and constantly carry out product and service innovation to meet the growing needs of customers for financial services. "Because you change" is the self-positioning of China Merchants Bank, is the pursuit of a goal, is a way of thinking, can be likened to: China Merchants Bank as a sunflower, customers as the sun, China Merchants Bank must be like a sunflower to the sun, as the change of customer demand and change.
The first keyword of "change because of you" is "you", that is, the bank customers, is the starting point of "change", and let customer satisfaction is the "change". The first keyword is "you", the bank customer, which is the starting point of the "change", while customer satisfaction is the ultimate goal of the "change". To satisfy customers, we should take customers' needs as the standard of our service, but not standardize customers' needs by our standards; improve service efficiency, improve service quality, enrich service content, and construct value-added service system. The standardization of services, improve the standard of professional services, and properly handle complaints are all specific embodiments of the business philosophy of "change for you" in the service.
The second keyword of "change for you" is "change", which means innovation. This refers to the way of survival and development of the bank, is "you" recognized and satisfied with the ways and means. Continuously launch new products, new services is the way of survival of any enterprise, but product innovation is not a pat on the head, a new product development process is the advanced experience of abandonment and absorption, in-depth study of market demand and their own strengths of the process of comprehensive assessment.
"As a result of your change," the China Merchants Bank put forward a new business concept based on the nature of the banking industry. The connotation of "change because of you" is to be truly customer-centered and to meet the changing needs of customers through continuous innovation. Its starting point is that, in order to grasp the first opportunity and win in the fierce market competition, it is necessary to start from the customer's needs and grasp the market trend, not only to adapt to the market changes and meet the customer's needs, but also to guide the trend of the times, to explore the potential needs of customers, and to shift from "adapting to the market to meet the demand" to "guiding the demand and creating the market", while at the same time, "changing because of you" means to truly customer-centered to meet the changing needs of customers through continuous innovation. In addition, the company will always stand in the front of the trend, lead the culture of financial management, create a fashionable life, so that the innovation of products and services always walk in front of the market and customer demand.
"Because you change" is also a dialectical view of the negative, it dialectically viewed the development of China Merchants Bank, the relationship between affirmation and negation, correctly explains the principle of commercial banks "change" problem. Instead of changing due to the "phenomenon", not blindly change, and not unprincipled change; but a "Yang abandon":
Yang is the customer first service concept, abandoned is the traditional concept of the bank first;
Yang is the China Merchants Bank's core concept of modern commercial banking, abandoned the anachronistic management style.
5. China Merchants Bank development concept
● benefit, quality, scale and coordinated development
Benefit, quality, scale in the bank's business management is an organically unified whole; benefit is the purpose, quality is the fundamental, scale is the way. The three must maintain a dynamic and coordinated development. This is the bank's survival and development of the three conditions, the three are indispensable, is a modern commercial bank management of the three basic elements; coordinated development is the concentrated expression of the relationship between the three.
The scientific concept of development of commercial banks is the coordinated development of efficiency, quality and scale. Commercial banks should get rid of one-sided, blindly focusing on scale expansion of inertia thinking and business orientation, work in an integrated manner, under the premise of ensuring quality, through a moderate increase in scale, to achieve long-term stable growth in profits.
Coordinated development is in line with the fundamental requirement of people-oriented. First of all, coordinated development effectively protects the fundamental interests of bank customers. China Merchants Bank as a currency for the operation of the object of high-risk line, only to pursue the principle of prudent management, safe operation, the majority of the interests of the depositors are guaranteed, and only under the premise of safe operation, can provide customers with high-quality and efficient financial services, and then maximize the interests of customers. Secondly, coordinated development is conducive to maximizing the interests of shareholders. For shareholders, in order to maximize the realization of their own interests, the operators of commercial banks are required to maintain good asset quality and profitability, but can not be too fast to expand the scale of equity dilution, equity dilution, which must be coordinated development. Third, coordinated development effectively protect the long-term interests of the majority of employees. Only by achieving coordinated development and sound operation, commercial banks can become a hundred years old, realize the foundation of the evergreen, so as to provide long-term stable income for employees. Fourth, coordinated development effectively supports the social and economic activities of the public. Residents' savings are to a large extent their own advance reserves for future pension, medical care, housing and children's education, and a run on them will mean a global crisis and great damage to public interests. Therefore, only to achieve a coordinated development, customers, shareholders, employees and the fundamental interests of the public can be guaranteed, but also to talk about the development of China Merchants Bank to benefit the results of the bank's all stakeholders.
6. China Merchants Bank people-oriented concept
In China Merchants Bank's people-oriented concept should be fully embodied in the trust, respect and care for employees, and strive to meet the needs of employees in various aspects of the staff's self-development and value of the realization of the integration of corporate development, at the same time, to create a cultural atmosphere of equality and sharing throughout the enterprise, through the establishment of a full set of talent development and incentive mechanisms, so that the value of the individual The company's mission is to realize the value of the individual by establishing a set of talent development and incentive mechanism.
● Respect
The enterprise respects the staff's personality, dignity, and personal needs; the staff is loyal to the enterprise while giving full play to their potential; and the staff should respect each other.
● Care
Managers at all levels should pay attention to the life and development of employees, and pay attention to the use of material and spiritual means, so that employees can realize their personal values, and make the value recognized.
● Sharing
Each employee is a member of the China Merchants Bank family, and should work together to promote the long-term development of the enterprise; open and honest communication should be made between the enterprise and the employees, and between the employees and the employees, to trust each other, support each other, and **** grow together.
● Home culture
Care for the interests of shareholders first care for the interests of employees, care for the material interests of employees, spiritual life, state of mind. Let the staff in the material interests of fair pay according to labor, in the spirit of the master, with the enterprise *** with the growth. At the same time, seize the five key real points - birth, old age, sickness and death of marriage, so that employees feel the enterprise as warm as a family.
People-oriented thinking can be summarized as follows:
Recognition of human needs, to meet;
Respect for human personality, to accommodate;
Emphasis on human values, to achieve;
Development of human potential, to make use of;
Unification of human thought, to guide;
Grasp of human behavior, to regulate;
Encouragement of human creativity.
Encourage human creativity and reward it;
Construct human environment and improve it.
7. The overall concept of China Merchants Bank
Corporate culture and management should be unified. The entire bank maintains uniformity in the connotation and expression of the spiritual, institutional and behavioral layers of culture.
When local interests conflict with the overall interests, the overall interests of the whole should be given priority.
Can not dogmatically emphasize the global, to ultimately achieve a harmonious management realm as the goal.
8. Zhaoyin Spirit
● Challenge
Never satisfied, the pursuit of excellence, including not only the external environment and the challenge of competition, but also to go beyond themselves.
● Introspection
Always have a clear understanding of its own state of existence, especially in good times, to clarify its own position and establish a sense of crisis.
● Dedication
Encourage employees to integrate their personal pursuits into the long-term development of the enterprise, be proactive in their work, regardless of personal gains and losses, and consciously dedicate themselves; the enterprise will not neglect the return on the dedication of the employees, and give employees the corresponding encouragement in the mechanism.
9. recruiting style
● strict
Do meticulous, high standards of implementation, do not engage in the next.
Strictness is a kind of constraint, it should not be an idea in itself, should not be the content of corporate culture, it is a kind of institutional constraints. However, when the strict constraints into the China Merchants Bank employees consciously, consciously strict requirements for their own time, it becomes a concept, the system rises to a concept. Only by dealing strictly and not making an exception, can the concept of the group be formed. Standardization is to do things in accordance with the rules and regulations, in accordance with the laws of the market. For those who do not do it according to the system, even if through the violation of the profit benefit to the bank, can not be encouraged but should be punished. Otherwise, the right and wrong will be unclear, and the next harvest is not a gain but a lesson and failure.
● solid
Focus on the details of the process, pay attention to the actual results, emphasizing the norms and laws.
Solid is a style, but also a habit that governs the style of all employees of China Merchants Bank. China Merchants Bank has a saying that "little by little, make extraordinary" is a solid. As a leader, we must use a solid work style to understand the actual. Solid and moderate publicity is not contradictory, not only to oppose excessive, not in line with the actual, false and empty publicity, but also must reflect the situation realistically.
● Efficient
Respond quickly, act immediately, and get as much output as possible with relatively small inputs.
Eliminate bureaucracy, ensure unimpeded communication, and optimize organizational processes. In particular, China Merchants Bank is quick to react when it encounters risks, and does things quickly and without procrastination. In a way, the product can be imitated, the service can also be imitated, in the trend of homogeneity of the bank's personal financial services, high efficiency is the key factor that makes China Merchants Bank stand out.
Third, China Merchants Bank management philosophy
(a) China Merchants Bank in the medium term of the three steps
● Information (networked)
The ability to adapt to the trend of information technology is a condition for China Merchants Bank's survival and development. With the development of information technology and network technology, the bank has entered the era of cement and mouse at this stage, but this stage is still a transitional stage, and the bank can do more things with network resources in the future. Banks can become an integrator of network resources, that is, through the bank, the role of the information network can be widely played. A mention of China Merchants Bank is network banking, a mention of network banking is China Merchants Bank. The construction of information technology has not only set up a good social image for China Merchants Bank, but also made a personalized service that distinguishes traditional banks.
● capital marketization
Compared with developed countries, where the capital market has replaced commercial banks as the core of the financial system, China's commercial banks are still the main channel for corporate financing. By going public, China Merchants Bank can make use of the capital market to realize an effective combination of various assets through the purchase and sale of securities, which can not only reduce the risk of the bank, but also expand the scope of business.
●Internationalization
Internationalization should include internationalization of equity, internationalization of institutions, internationalization of products and services, internationalization of management, and internationalization of talents. The promotion of internationalization should adhere to the principle of "relying on the overall business, prudent development, and moderate scale", accelerate the construction of overseas branches, increase the expansion of foreign exchange business, and vigorously develop cooperative relationships with international financial institutions and foreign financial institutions.
Management of internationalization strategy focus:
Firstly, we should accelerate the development of intermediary business, which is not only an effective way to solve the problem of capital adequacy, but also an inevitable requirement for the implementation of internationalization development strategy.
Secondly, we should gradually establish a scientific capital management mechanism to solve the problem of capital adequacy through both "open source" and "cost saving".
In addition, the bank's management quality will be upgraded through the steady implementation of organizational and management reforms, the active application of international management techniques, and the implementation of an international human resource strategy.
(2) The foundation of life: the law of one, three and five
● "One" refers to adherence to a single idea, that is, in the process of operation and development, it is necessary to adhere to the strategic guiding ideology of the coordinated development of efficiency, quality and scale.
Commercial banks are high-risk enterprises, the pursuit of long-term stable growth is the fundamental purpose, the effectiveness of a bank is the test of the level of operation of the fundamental signs of the level of operation, is to judge the commercial banks operating good or bad final standard. However, the bank's risk is hidden, lagging and long-term, the bank's profit maximization is usually subject to the constraints of risk management capabilities, the bank's profit maximization is not the maximization of book profits, not to mention the maximization of short-term profits, but after the risk adjustment, the quality of the filter after the profit maximization, so adhere to the maximization of efficiency must be premised on quality. Of course, maximizing efficiency and quality must also be premised on scale, and the three need to be dynamically coordinated. China Merchants Bank Board of Directors of the assessment of the operator using the total asset profitability as an indicator, the head office of the assessment of the head of the branch indicators, efficiency, quality and scale of the coordinated development of the three is an important element.
● "Three": treat the market rationally, treat the industry rationally, and treat yourself rationally.
The financial market is a high-risk market, and it is important to treat it with a prudent attitude, so that the market is not chaotic when it is hot, not complaining when it is cold, and effectively preventing risks.
Treat the market rationally: in the fluctuating and undulating economic situation and the complex and severe market environment, it is necessary for China Merchants Bank operators to maintain sufficient sobriety, prudent operation, and firm and prudent development concept. On the one hand, seriously analyze the situation, strengthen risk management, create a risk culture, focus on asset quality; on the other hand, good at grasping the opportunities for development, in-depth development of the market, to promote financial innovation, to achieve faster and better development of commercial banks.
Rational treatment of the industry: reflected in the daily work, is good at learning the beneficial experience of the industry, identify and discard those bad aspects; is to follow the development of the bank's own laws to operate the Merchants Bank, and not from the crowd, do not blindly follow the practices of others. Therefore, to be rational to the same industry, the key is to be able to learn from competitors, while maintaining a pragmatic attitude.
Treat yourself rationally: a bank is like a person, there are advantages and disadvantages, need to treat yourself rationally, not arrogant, avoid shortcomings. To have a sense of crisis, and constantly pursue excellence.
● "five": grasp the relationship between the five aspects.
Specifically, in the process of operation and development, we should correctly grasp and deal with the relationship between management and development, quality and speed, long-term interests and short-term interests, shareholders, customers and employees' interests, system construction and cultural construction. The level of management fundamentally determines the speed of development, if the level of management can not keep up, the speed of development will be one step forward and two steps back. The system is lagging, loophole and passive, so the system alone can not control the risk, and the system is complementary to the corporate culture can allow people to take the initiative to avoid risk when there may be risk. Link the bank's risks with the interests of each employee, and cultivate employees to consciously prevent risks.
Development and management: Development is the eternal theme of China Merchants Bank. For China Merchants Bank, the essence of development does not lie in the expansion of the number of scales, but in high-quality growth, in the establishment of management to improve the basis of the improvement of asset quality and profitability. Managed development is effective development, sustainable development; strengthen management is for better development, better development is necessary to have strict management.
Quality and speed: the banking industry is an industry with the qualities of economies of scale, in order to realize the effect of economies of scale, there is a need for a certain speed of development. However, if the speed of development is too fast, more than a certain "degree", it is often accompanied by a large number of operational risks. Therefore, China Merchants Bank in the process of operation must deal with the quality and speed of the relationship between the development speed must be appropriate, can not exceed their own risk management capabilities, must ensure that the quality of assets as the basic premise.
Short-term interests and long-term interests: the two are opposites and unity. The short-term interests under certain conditions are the basis of long-term interests, and long-term interests are consistent. Long-term interests in the short-term interests in the short-term interests, short-term interests is the long-term interests of the stage of the realization of the form. The ability to deal with the relationship between long-term interests and short-term interests is an important criterion to test the maturity of an enterprise. At all times and under all conditions, the short-term interests of China Merchants Bank must be subordinate to and serve the long-term interests, and all efforts must be based on the realization of long-term interests as the starting point.
The relationship between shareholders' interests, customers' interests and employees' interests: maximizing customers' interests is the premise of maximizing shareholders' interests; maximizing employees' interests is the driving force of maximizing customers' interests. These three are the three basic interest groups of China Merchants Bank, in which the current shareholders' interest maximization is the bank's business purpose, the maximization of customer interests is the interest of the maximization of shareholders' interests, and to achieve the maximization of customers' interests, it is necessary to fully mobilize the enthusiasm of the staff to achieve the maximization of employees' interests. Pose just the relationship between shareholders, customers and employees, so that the formation of a positive interactive relationship.
The relationship between system construction and culture construction: system and culture are two key factors in determining social progress, economic development and enterprise growth. Among them, system construction is the objective requirement for bank development, and culture construction is the fundamental guarantee for building core competitiveness. Effective management is excellent culture plus scientific system. China Merchants Bank in the grasp of system construction at the same time, should further strengthen the construction of corporate culture, especially targeted to create a risk culture and management culture.
(C) China Merchants Bank risk culture
The bank survives and prospers because of risk-taking, and risk-taking is the most important economic function of the bank, the reason for the existence of the bank.
Financial risks are characterized by hidden, lagging and long-term, and commercial banks can only form profits if they control and manage the risks. In particular, the bank's profits must be risk-adjusted profits, profits after covering future risks, rather than the general financial sense of book profits or current profits. So bank profits are subject to the constraints of the bank's risk management capability, which is centered on asset quality.
How to effectively control risks and realize the coordination and balance of risk control and benefit enhancement is the key issue that China Merchants Bank always pays attention to. It has gradually established a hierarchical internal management control system including decision-making system control, execution system control and supervision and feedback control, and basically constructed a management system framework with clear delineation of responsibilities and powers, as well as a normalized and standardized internal control system.
●Execution system control
One-level legal person, multi-level operation, centralized leadership, and hierarchical management
●Risk control system
Firstly, through the Asset and Liability Management Committee of the branch and the Loan Examination Committee, the risk control indexes are disaggregated to all levels of the institutions, large loans and multiple financing are strictly controlled, and timely monitoring and control and monitoring are carried out through the Asset and Liability Analysis Meeting and the internal capital market. Through asset-liability analysis meetings and the internal capital market, monitoring and adjustment are carried out in a timely manner. Secondly, we have implemented the credit system of "separation of examination and loan, hierarchical approval and flexible authorization", and adhered to the triple checking system of "pre-credit investigation, examination at the time of loan, and post-credit inspection"; thirdly, we have popularized the system of examining and loaning officer, loan risk management, first loan and flood approval system, and project pre-examination system, and continuously improved the various loan management systems, as well as the loan management system. Thirdly, it promotes the system of loan examiners, loan risk management, first loan and flood approval system and project pre-approval system, and continuously improves the methods of various loans, import and export remittance charges, trade financing, foreign guarantee, bill acceptance and discounting, etc.; fourthly, it establishes the system and working relationship of non-performing asset management, monitoring, collection and transformation; fifthly, it establishes the system of comprehensive and flexible authorization and sub-delegation of authority for branches, and clearly specifies and regularly adjusts the operating authority and decision-making level of individual branches.
● Handle the relationship between corporate risk and benefit and employee benefit
Quantify the risk and benefit of the enterprise to everyone, and turn the value concept of "benefit *** enjoy, risk *** share" into everyone's conscious action.
Quality is the lifeline of commercial banks. China Merchants Bank must always adhere to the concept of "quality is the first theme of development", in order to ensure the quality of the premise of the business to maintain a moderate pace of development.
● credit principles
four "no" principle:
political newcomers, relying on the background of the opportunity to develop up not to give loans
rely on the capital market, buy and sell short play up not to give loans
desperately trying to expand, not to do strong but to do big not to give loans
The military, police and military police are not given loans
Three principles:
In principle, do not short-term loans and long use, adhere to the recovery of re-lending;
In principle, gradual and orderly, adhere to the moderate credit;
In principle, do not lay the bottom, adhere to the in and out of the free
The credit management characteristics of each place:
Kneeling lending, standing and collecting interest (Jinan Branch)
The credit management characteristics of each place:
The credit management characteristics of each place:
The credit management features of each place:
Kneeling lending, standing and collecting interest (Jinan Branch)
Five looks: "do not look at the surface" "do not look at the title", "to see far", "to see the direction", "to see the stage", "to see the direction", "to see the direction", "to see the direction", "to see the direction", "to see the direction", "to see the direction", "to see the direction". "Look at the stage" (Beijing Branch)Ten prohibited "iron laws"
(D) team concept
Leadership team: stability, unity, dedication and pragmatism, positive and enterprising, and experts in governance
Cadres (E) The concept of talent
(quality + performance) x learning = talent
Strengthen the "people-oriented" principle, and continue to deepen the reform of personnel incentive mechanism, and further strengthen the leadership team and staff to fully mobilize the enthusiasm, maximize the optimization of human resources. To further strengthen the leadership team and staff construction, in order to fully mobilize people's enthusiasm, maximize the optimization of human resources allocation and give full play to the potential of the bank's staff. In the allocation of human resources, the Bank has adopted the strategy of "moderately tightening" in quantity, "moderately exceeding" in quality, and dynamically adjusting and optimizing the structure, so as to gradually cultivate and introduce a number of high-quality intellectual financial service talents suitable for the requirements of integrated operation. The principle of appointment of cadres is based on the principle of "not sticking to one pattern", "merit" and "performance", as well as the concept of cultivating talents through multiple channels to discover, cultivate and nurture people. Do:
Career to keep people, treatment to keep people, feelings to keep people
Put the most suitable people in the most suitable position.
Three kinds of people: selecting the right people; promote the initiative of people; cultivate the growth of people
(F) incentive mechanism
Focusing on the payroll system, through the selection of cadres, the appointment of fair and transparent and employee "career planning", "secure employment program". The "Live and Let Live Plan" enables employees to pay more attention to the improvement of their own quality, potential and value realization, and reshape the vitality and vigor of the "Six Capabilities" mechanism.
● six can
In personnel management, the implementation of full contract employment system, the implementation of two-way choice between the staff and the bank, the ability to get in and out; cadres can be up and down, there is no life-long system and iron chair; income can be more or less, according to the performance of up and down floating. The company has a lot of people who are interested in the company's products and services, and it has a lot of people who are interested in the company's products and services.
(VII) learning concept
Continuous learning, innovation, and constantly enhance the ability to adapt to the environment, never stick to the rules of the learning organization.
(H) work view
Both gas stations and coffee houses
(IX) communication view
The establishment of a barrier-free communication mechanism, vertical communication, horizontal communication, cross-communication.
Five channels of feedback:
Regulatory
Intermediary departments
Public opinion
Employees (internal review board)
Customers
(10) marketing view
Integrated marketing full marketing. Change the traditional passive customers door-to-door negative business model, the establishment of the head office, branches, sub-branches of the three-tier marketing organization system, the China Merchants Bank as a body to support market demand, breaking the sense of sitting at the counter, take the initiative to understand the market demand, the development, production and sales of financial products to operate the enterprise.
(XI) Cooperation
● Cooperation with emerging commercial banks to follow the principles of institutionalization:
First, law-abiding, self-discipline;
Second, pragmatic, efficient;
Third, mutual benefit, reciprocity
● Cooperation with foreign banks or non-financial institutions to follow the principles of cooperation (need to be provided):
Science, technology and Finance*** with the development:
First, give support to higher education institutions and scientific research institutions for loans;
Second, actively provide loan support to high-tech enterprises to support their scientific research and development, and to improve the scientific and technological content and core competitiveness of their products;
Third, for general enterprises, attach great importance to the enterprise's technological development capabilities, intellectual property rights, and the product's technological advancement.
●Principles of cooperation with telecommunications:
Honesty and trustworthiness, equality and mutual benefit, mutual advantage, and **** the same development.
(xii) Five things the president must do when inspecting branches
A pole to the end:
Management discussion report
General meeting of all staff (development trend of China Merchants Bank, philosophy of China Merchants Bank)
Inspection of branch outlets around the branch
Calling on senior leaders of the province and the city
Calling on major customers
(xiii) The task of the hand of the hand
Formulation of strategy
Construction of internal system
Selection of talents, especially the appointment of cadres
Construction of corporate culture
Public relations of large customers
Haier's corporate culture is also more representative