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Taizhou Bank Co., Ltd., founded on June 6, 1988, is developed from urban credit cooperatives. Its head office is located in Taizhou City, Zhejiang Province, one of the birthplaces of private economy. In March 2002, Taizhou City Commercial Bank, an earlier City Commercial Bank, was established in a market-oriented way, which was not controlled by the government. In September 2010, it was renamed Taizhou bank. At present, our registered capital is 1.8 billion yuan. In 2008, Ping An and China Merchants Bank were successfully introduced as our shareholders and strategic partners. Up to now, our bank has more than 9000 employees. There are 10 branches in Zhoushan, Wenzhou, Hangzhou, Ningbo, Jinhua, Huzhou, Quzhou, Shaoxing, Jiaxing and Lishui. At the same time, they mainly initiated the establishment of Zhejiang Sanmen Yinzuo village bank, Shenzhen Futian Yinzuo village bank, Beijing Shunyi Yinzuo village bank, Jiangxi Ganzhou Yinzuo village bank, Chongqing Yubei Yinzuo Village bank, Chongqing Qianjiang Yinzuo village bank, Zhejiang Jingning Yinzuo village bank Seven "Ginza" series of village banks, including village banks. Our bank has always adhered to the market orientation of financial services for small and micro enterprises, the business philosophy of "market-oriented and customer-centered", the service of "simple, convenient and fast", the simple and practical personalized products and excellent service processes, effectively avoided the homogenization competition, won the recognition of customers and the market, and the business has maintained steady growth for years. By the end of 2017, the total assets of the whole bank (including the village and town banks established by the main sponsor) were RMB 1574.25 million, the balance of various deposits was RMB 131.943 billion, the balance of various loans was RMB 103.375 billion, and the non-performing loan ratio was 0.66%. Through continuous efforts and years of experience accumulation, the bank has summed up a set of practical and effective financial service technologies for small and micro enterprises, forming the advantages of "market-oriented governance, providing fair and equal services; differentiated operation, meeting reasonable credit demand; featured services, building small and micro service brand; refined management, maintaining steady development pace" Struggle. Through customized financial products for customers, the "Sixteen word" credit survey technology with the core of "household survey, seeing as reality, self-made statements, cross examination" creates equal financing opportunities for small and micro enterprises, solves the problems of information asymmetry of small and micro enterprises and alleviates the financing difficulties of small and micro enterprises. Due to its unique corporate personality and credit technology, we have to train our own employees. Therefore, we have set up a 13000 square meter "Taizhou bank Ginza financial training college" with social school running qualification. By introducing the concept of international training and developing training courses in different lines, a high-density and standardized training system has been established, and a scientific and reasonable qualification certification mechanism has been designed. At present, 99.47% of the employees of the whole bank are self-trained by the bank. In recent years, customers are changing and the market is changing. Under the objective environment of accelerated financial marketization and increasingly fierce competition, the bank actively thought about changes. In February 2012, it officially launched the strategic project cooperation with McKinsey, a global strategic consulting company, and put forward the call of "transformation, transformation and secondary entrepreneurship", which clearly defined the "community bank" business development mode of "making friends with customers". From 2013 to 2015, the bank actively promoted the implementation of the strategy of "community bank", including business planning, personnel recruitment, network layout, process approval, etc., and made great efforts to integrate with "community bank", providing customers with diversified financial services. In addition to providing excellent financial services for the society, as a financial enterprise with a sense of social responsibility, we are always grateful to repay the society and strive to build a respected green bank. In 2010, we applied to join the climate financing innovation loan project (cfif) of the United Nations Environment Programme (UNEP), launched the "green energy saving loan", and transplanted the technology transformation that was originally only applicable to large and medium-sized enterprises to the field of small and micro enterprises. At the end of 2011, the bank invested 3 million yuan to cooperate with Taizhou regulatory branch of China Banking Regulatory Commission and Zhejiang Charity Federation to set up the bank start-up poverty alleviation charity fund of the Bank of Taiwan, so as to help those poor entrepreneurs, especially poor college students, who have the ability to work and the willingness to start a business, to realize their dream of starting a business. In 2012, our bank earlier put forward the commitment of "no charge for service, more in place for service" in the whole country, reducing fees for the benefit of small and Micro customers. By 2017, our bank kept the measures of reducing fees and giving profits unchanged for six consecutive years to build a "free bank".

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