青岛招商银行基本情况介绍企业账户银行中英双语版

编辑：青岛希尼尔翻译公司

发布时间：2019-06-16

 

 

一、  银行基本情况描述I. CMB Introduction

招商银行（以下简称“招行”）于1987 年在中国改革开放的最前沿----深圳经济特区成立，是中国境内第一家完全由企业法人持股的股份制商业银行，也是国家从体制外推动银行业改革的第一家试点银行。

Established in 1987 in Shenzhen, the forefront of China’s reform and opening-up drive, China Merchants Bank ("CMB") is China’s first joint-stock commercial bank and also the first bank to attend the national experiment for the promotion of China’s banking industry reform driven by endeavors from outside the government.

成立28年来，招行伴随着中国经济的快速增长，在广大客户和社会各界的支持下，从当初只有1亿元资本金、1家营业网点、30余名员工的小银行，发展成为了资本净额超过2900亿、资产总额超过4.4万亿、全国设有超过800家网点、员工超过5万人的全国性股份制商业银行，并跻身全球前100家大银行之列。

Since its inception 28 years ago, CMB has grown with China’s economic progress from a small bank with the capital of 100 million yuan, one branch and over thirty employees into a nationwide joint-stock commercial bank that has a total net capital of 290 billion yuan, a total asset of 4.4 trillion yuan, over 800 branches and over 50,000 employees, ranking it among the world’s top 100 banks.

凭借持续的金融创新、优质的客户服务、稳健的经营风格和良好的经营业绩，招行现已发展成为中国境内最具品牌影响力的商业银行之一。在银监会对商业银行的综合评级中，招行多年来一直名列前茅。同时荣膺英国《金融时报》、《欧洲货币》、《亚洲银行家》、《财资》（The Asset）等权威媒体授予的“最佳商业银行”、“最佳零售银行”“中国区最佳私人银行”、“中国最佳托管专业银行”多项殊荣。在英国《银行家》杂志2011 年公布的世界千强银行榜单上位列第56名，在美国《财富》杂志2013年发布的“世界500 强企业”排行榜上列第412位。本公司以品牌价值68 亿美元位居Millward Brown 发布的2012 年度BrandZ 最具价值中国品牌榜第14位。

CMB has developed into the most influential commercial bank brand in China thanks to continuous financial innovation, quality customer service, prudent management and strong business performance. For many consecutive years, CMB has been ranked among China’s top commercial banks according to comprehensive assessment by CBRC. The bank has won a number of titles, including the Best Commercial Bank of China, the Best Retail Bank in China, the Best Private Bank in China, China’s Best Custody Specialist from the British Financial Times, Euromoney and The Asset. The Bank was listed No.56 among the world's Top 1,000 Banks by The Banker. It was shortlisted as a Top 500 company and ranked No. 412 according to the Fortune in 2013. Than Bank ranked No. 14 in the annual BrandZ most valuable Chinese brand list as issued by Millward Brown in 2012 with a brand value of 6.8 billion US dollars. 

目前，招行在中国大陆的110 余个城市设有113家分行及943家支行，1 家分行级专营机构（信用卡中心），1 家代表处，2,330家自助银行，在香港拥有一家分行（香港分行）；在美国设有纽约分行和代表处；在新加坡设有新加坡分行；在伦敦和台北设有代表处。此外，招行还在中国大陆全资拥有招银金融租赁有限公司，控股招商基金管理有限公司，持有招商信诺人寿保险有限公司50%股权；在香港全资拥有永隆银行有限公司和招银国际金融有限公司。招行已成为一家拥有商业银行、金融租赁、基金管理、人寿保险、境外投行等金融牌照的银行集团。

Currently, CMB has 113 branches and 943 sub-branches in 110 cities, 1 branch-level specialized agency (the Credit Card Center), 1 rep-office, 2,330 self-service banks and 1 branch in Hong Kong (CMB Hong Kong). For overseas market, CMB has branches and rep-offices in the United States; branches in Singapore; and re-offices in London and Taipei. In addition, CMB has 1 wholly-owned subsidiary (CMB Financial Leasing Co., Ltd) in mainland China and holes 50% of shares of CIGNA & CMC Life Insurance Co., Ltd; and wholly-owned subsidiary Wing Lung Bank Ltd. and CMB International Capital Corporation Limited in Hong Kong. CMB is now a bank group with financial licenses such as commercial bank, financial leasing, fund management, life insurance and foreign investment bank.

招行将“服务、创新、稳健”作为核心价值观，坚持效益、质量、规模、结构协调发展，在国内同业中逐渐脱颖而出。招行不少创新业务产品具有比较明显的市场竞争优势。一卡通是是国内第一张基于客户号管理的银行借记卡，目前累计发卡超过10800万张，卡均存款2.45万元，远超全国平均水平，被誉为客户最喜爱的银行卡之一；2014年，招行个人手机银行继续保持高速发展，荣膺《亚洲银行家》“中国最佳手机银行产品”大奖，推出国内首家全新概念的“微信银行”，把移动互联网的金融服务延伸至客户黏度更高的日常通讯应用，建立了多层次、多样化的智能客服模式，提供了轻便易用的业务办理渠道，推动国内银行业微信银行的创新热潮和快速发展。2014年，招行零售电子渠道综合柜面替代率达96.30%，公司电子渠道综合柜面替代率达到64.15%，网上企业银行交易结算替代率达到93.5%；信用卡是国内第一张符合国际标准的双币信用卡，目前发卡量超过6000万张，被哈佛大学编写成MBA教学案例；金葵花理财是国内首个面向高端客户的理财产品，在高端客户中享有很高的美誉度；私人银行服务在国内股份制银行中率先推出，被国内外权威媒体多次评为“中国最佳私人银行”；跨银行现金管理在国内同业首开先河，成为大型企业集团资金管理的首选。此外，个人储蓄存款、个人消费贷款、资产托管、企业年金、离岸金融等业务，在股份制银行中居于领先地位。

CMB has led China’s banking industry by creating a synergy of "Profit, Quality, Scale" and a structure of core values including "Service, Innovation and Stability". CMB has launched a large number of innovative products that are highly competitive. The All-in-One Card is the first bank card managed based on customer numbers. CMB has issued 108 million All-in-One Cards, with an average deposit of over RMB 24,500, making it one of the most popular bank cards in China. In 2014, CMB personal mobile banking maintained high development and was named China's Best Mobile Banking Product by The Asian Banker. CMB launched the first "WeChart Banking" in China, thus extending mobile Internet financial services to daily communications applications with a higher level of customer loyalty. This multi-level and diversified intelligent customer model provides an easy to use business process channel to promote rapid development of domestic WeChart banking. In 2014, 96.30% of the general over-counter services were completed via retailer electronic channels and 64.15% of the general over-counter services were completed via electronic channels, and 93.5% of corporate banking services were completed via Internet corporate banking services. CMB issued the first dual-currency credit card compliant with international standard and 60 million such cards have been issued to date. This issuance is even included in the MBA case studies of Harvard University. The Sunflower Finance, China’s first financing product for high-end customers, is very popular. CMB is also the first Chinese joint-stock commercial bank that provides private banking services, earning it the title ‘Best Private Bank of China’. Its interbank cash management service was the first of its kind in China’s banking industry, making it the preferred choice for large enterprise groups in terms of fund management. CMB also leads the pack of joint-stock commercial banks in terms of personal savings deposits, personal consumer lending, asset custody, corporate annuity, offshore financial business and more.

招商银行青岛分行成立于 2000年5月18日，目前正式员工1484人，平均年龄32岁，大学本科以上占比77%。青岛分行下辖日照、威海、淄博、济宁四家二级分行，42家支行（含营业部，其中一级支行21家、二级支行21家），90家自助银行（全辖），388台自助设备（全辖），初步形成了立足青岛，辐射半岛，面向全省的发展格局。

Qingdao Branch of China Merchants Bank was established in May 18, 2000 and currently it has 1484 full-time employees with an average age 32 years old and about 77% of them have achieved bachelor’s degree. Under Qingdao Branch there are four secondary branches: Rizhao, Weihai, Zibo and Jining, 42 sub-branches (including the sales departments: 21 primary sub-branches and 21 secondary sub-branches), 90 self-service banking outlets (with full jurisdiction), and 388 self-service equipment (with full jurisdiction). A development pattern based in Qingdao with service radius covering the peninsula and facing the entire Shandong Province has been initially established.

青岛分行以创新引领市场，成功开办了青岛市第一家“票据中心”、“国际业务押汇中心”；率先开出国内第一张人民币网上银行信用证、省内第一张电子银行承兑汇票；创新推出“银关通”、“银税通”、“中港直通车”等金融创新业务。在由青岛市企业联合会、青岛市企业家协会发布的“2011青岛企业100强发展报告”中，青岛分行综合实力排名位列青岛银行业第三名，股份制商业银行第一名。净利润增长率、销售收入增长率分别位列岛城银行业、市服务业企业第一名。

Qingdao Branch successfully established the first Ticket center and Negotiating International Business Center in Qingdao City; issued the first RMB online banking credit card in China, and the first electronic banking acceptance bill in Shandong Province; and launched the "Bank-Customs Link", "Bank-Tax Link", "Hong Kong Express" and other financial innovation services. In the Development Report 2011 of Qingdao Top 100 Enterprises as jointly issued by Qingdao City Enterprises Association and Qingdao City Entrepreneurs Association, Qingdao Branch ranked No. 3 for its comprehensive strength among banks in Qingdao and No. 1 among joint-stock commercial banks. Qingdao Branch ranked No. 1 in terms of net profit growth rate and sales growth revenue growth rate.

获得荣誉：

Honors:

国家级：“共青团中央首届管理创新奖”；中国银行业好分行评选“最佳产品创新奖”、“社会责任奖”、“综合奖”；中国银行业协会“全国银行业文明规范服务百佳示范单位”。分行刘娟同志当选党的十八大代表，并荣获全国优秀共产党员荣誉称号。

National level: First Session of Communist Youth League Central Management Innovation Award; Best Product Innovation Award, Social Responsibility Award, and Comprehensive Award in Good Branch Appraisal of Chinese Banking Industry; Top 100 Model Units of Civilized and Normalized Services of Chinese Banking Industry. Liu Juan from Qingdao Branch was a representative of the Eighteenth National Congress of Communist Party of China and won the honorary title of National Excellent Communist Party Member.

省市级：山东省“最具品牌与竞争力银行”、山东省“最佳企业公民”、山东省“最佳雇主单位”、山东省“消费者满意单位”；“温馨理财”荣膺青岛市服务名牌，是目前青岛市金融业唯一服务名牌，并荣获“首届山东省企业重大创新成果奖”。多年蝉联青岛银监局、人民银行监管评级地区同业最高级。

Provincial and municipal level: Most Valuable Brand and Competitive Bank of Shandong Province, Best Corporate Citizen of Shandong Province, Best Employer Unit of Shandong Province, Consumer Satisfaction Unit of Shandong Province; Warm Money Management was named service brand of Qingdao City and is currently the only financial service brand in Qingdao City, and won Shandong Province First Session of Major Innovation Achievement Enterprises Award. For consecutive years, Qingdao Branch maintained the highest rating according to Qingdao Banking Regulatory Bureau and the People's Bank of China Supervision.

系统内：六次荣获“全国十大优秀分行”荣誉称号。

Group level: Qingdao Branch won the “Top Ten Outstanding Branches” honorary title for six times.

招商银行标准普尔评级情况：长期信用评级 BBB+；评级展望 稳定；短期信用评级A-2。

Rating by Standard & Poor's: China Merchants Bank's long-term credit rating is BBB+; its outlook is stable; and short-term credit rating is A-2.