城商行三十年|秦皇岛银行：深耕渤海之滨，以稳健经营书写区域金融共生样本

Core Viewpoint - The article highlights the evolution and transformation of Qinhuangdao Bank over 27 years, showcasing its growth from a local credit cooperative to a significant regional financial institution with total assets exceeding 163 billion yuan, while emphasizing its commitment to supporting local economic development and addressing the financing needs of small and medium-sized enterprises [1][2][11]. Group 1: Historical Development - Qinhuangdao Bank was established in 1998 through the consolidation of 21 urban credit cooperatives, initially serving as a supplementary force in the local financial system [2]. - In 2013, the bank was renamed from Qinhuangdao City Commercial Bank to Qinhuangdao Bank, reflecting its growth and expanded role in the region [2]. - The bank's registered capital increased from approximately 2.742 billion yuan to about 3.15 billion yuan following a recent capital increase approved in 2023 [2]. Group 2: Management and Strategy - The bank adopted an internal promotion model for personnel adjustments, focusing on strategic continuity to strengthen its management foundation [3]. - Under the leadership of Zhang Wenquan since 2017, the bank has emphasized serving local economic development and has actively supported major projects and small enterprises [3][11]. - The bank's mission is to provide financial services that directly benefit local communities, with a focus on supporting agriculture and poverty alleviation [4]. Group 3: Regional Economic Integration - Qinhuangdao Bank aligns its operations with the regional economic development strategy, particularly in the Bohai Economic Rim and the Beijing-Tianjin-Hebei collaborative development [4][5]. - The bank has established branches in Langfang and Baoding to expand its market reach and participate in regional industrial transfers [5]. - The bank's focus on both traditional and emerging industries allows it to optimize its credit allocation and foster a stable client base [4]. Group 4: Financial Performance - The bank's total assets grew from 121.34 billion yuan at the end of 2020 to 171.86 billion yuan by the end of 2024, marking a 41.63% increase over five years [9]. - The bank's net profit showed fluctuations, with a decrease of 6.03% in 2023, but a recovery in 2024 with an 8.24% increase [10]. - The non-performing loan ratio improved from 1.99% at the end of 2022 to 1.85% at the end of 2024, indicating enhanced asset quality [10]. Group 5: Future Outlook - The bank is positioned to continue its growth trajectory by leveraging regional economic development and enhancing its operational efficiency [11]. - With ongoing support from local government initiatives, the bank aims to innovate while maintaining stability in its financial practices [11]. - The bank's strategic focus on serving local economies and adapting to market changes is expected to provide a model for other urban commercial banks in their transformation journeys [11].