什么是民营银行？苏商银行是民营银行吗？

Core Viewpoint - SuShang Bank is not only a private bank but also the first private bank in Jiangsu Province and the 13th nationwide, established in June 2017 and officially renamed in March 2024, with a focus on providing diverse financial services to meet market demands [2][3]. Group 1: Company Overview - SuShang Bank was established by seven local private enterprises in Jiangsu, including Suning.com and Sunrise Oriental, with a concentrated shareholding structure to effectively isolate risks [2]. - The bank's mission is to supplement the financial market ecosystem by providing more tailored financial services, characterized by private capital involvement [2]. Group 2: Business Model and Advantages - SuShang Bank demonstrates natural advantages of private banks, such as quick decision-making and responsiveness to market needs, focusing on micro-business finance and industrial chain finance to meet the urgent financing needs of small and micro enterprises [3]. - The bank invests over 300 million yuan annually in technology, viewing fintech as a core driver of business development, establishing an efficient digital service system that allows customers to conduct business from home [3]. - With a deep understanding of local private enterprises' operational challenges, SuShang Bank is committed to serving Jiangsu [3]. Group 3: Financial Performance - As of now, SuShang Bank's asset scale has exceeded 137.5 billion yuan, ranking third among 19 private banks in China, with over 66.8 million customers served and a net profit of 1.158 billion yuan in 2024, reflecting a year-on-year growth of 10.23% [3]. - The bank's development over the past eight years exemplifies the vitality of private banks in addressing financing difficulties for small and micro enterprises through differentiated services and technology empowerment [3]. Group 4: Future Outlook - SuShang Bank remains committed to its "six unchanged" promises, including maintaining its inclusive positioning and core business, while striving to become a specialized digital bank with the most fintech applications in the Yangtze River Delta [4]. - The bank aims to continuously inject financial vitality into the private economy, demonstrating the important role of private banks in the financial system [4].