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始创于1993年，中国银监会批准的股份制商业银行，以中小企业和投资银行业务为主

浙商银行股份有限公司总行设在浙江省杭州市，总部位于浙江的全国性股份制商业银行。前身为“浙江商业银行”，是一家于1993年在浙江省宁波市成立的中外合资银行。2004年6月30日，经中国银监会批准，重组、更名、迁址，改制为现在的浙商银行，并于2004年8月18日正式开业。截至2016年末，浙商银行已在北京、天津、辽宁、上海、江苏、山东、湖北、广东、重庆、四川、陕西、甘肃等13个省市和浙江省内全部省辖市设立了170家分支机构，实现了对长三角、环渤海、珠三角以及部分中西部地区的有效覆盖，同时，积极推进香港分行筹建，加快国际化布局步伐。

凭借灵活的市场化机制、战略性的地理布局和运营管理能力，浙商银行自2004年改制以来已发展成为一家基础扎实、效益优良、成长迅速、风控完善的优质商业银行。

浙商银行的愿景是成为具竞争力全国性股份制商业银行和浙江省重要金融平台。

基于对宏观经济金融的发展趋势、企业需求的变化趋势、监管机构的监管趋势、银行经营的转型趋势的判断，浙商银行提出以全资产经营战略迎接经济金融“新常态”，寻求在经济换挡期实现发展、弯道超车的道路。全资产经营战略是涵盖前中后台管理和协调的系统经营战略，是主动适应高度不确定和变化的市场环境，构建方向明确、机制灵活、策略多样、工具丰富的权变经营体系。在内部经营层面，突破单纯以信贷资产为主的局限，根据市场与客户需求的变化随时调整信贷类资产、交易类资产、同业类资产、投资类资产及表内外资产的配置，以资产带动负债，重塑银行的资产负债表;在客户服务层面，打破资产、负债与服务，公司、同业、个人业务及产品的界限，把金融活动融合到客户的经营和生活中，优化客户的资产负债表；进而形成适应市场和客户需求变化的竞争能力，开拓多元化的盈利来源，有效平衡经济周期、业务波动对我行资产规模、盈利能力的影响，实现同业的增长。

Founded in 1993, the joint-stock commercial bank approved by China Banking Regulatory Commission, with small and medium-sized enterprises and investment banking business as the main business, Zhejiang Commercial Bank Co., Ltd. is headquartered in Hangzhou City, Zhejiang Province, with its headquarters located in Zhejiang's national joint-stock commercial bank. Formerly known as "Zhejiang Commercial Bank", it is a Sino foreign joint venture bank established in Ningbo, Zhejiang Province in 1993. On June 30, 2004, with the approval of China Banking Regulatory Commission, the bank was restructured, renamed and relocated to the current Zheshang Bank, which was officially opened on August 18, 2004. By the end of 2016, Zheshang Bank had set up 170 branches in 13 provinces and cities including Beijing, Tianjin, Liaoning, Shanghai, Jiangsu, Shandong, Hubei, Guangdong, Chongqing, Sichuan, Shaanxi, Gansu, and all cities under the jurisdiction of Zhejiang Province, realizing the effective coverage of the Yangtze River Delta, the Bohai rim, the Pearl River Delta and some central and western regions, and actively promoting the preparation of Hong Kong Branch, Speed up the pace of international layout. With flexible market mechanism, strategic geographical layout and operation management ability, Zheshang Bank has developed into a high-quality commercial bank with solid foundation, excellent efficiency, rapid growth and perfect risk control since its restructuring in 2004. The vision of Zheshang Bank is to become a competitive national joint-stock commercial bank and an important financial platform in Zhejiang Province. Based on the judgment of the development trend of macro-economy and finance, the change trend of enterprise demand, the supervision trend of regulatory agencies, and the transformation trend of bank operation, Zheshang Bank proposes to meet the "new normal" of economy and Finance with the strategy of full asset operation, and to seek the road of development and overtaking in the economic shift period. The whole asset management strategy is a systematic management strategy covering the management and coordination of the front, middle and back office. It actively adapts to the highly uncertain and changing market environment, and constructs a contingency management system with clear direction, flexible mechanism, diverse strategies and rich tools. At the internal operation level, we should break through the limitation of credit assets, adjust the allocation of credit assets, transaction assets, inter-bank assets, investment assets and assets on and off balance sheet at any time according to the changes of market and customer demand, drive liabilities by assets, and reshape the bank's balance sheet; At the customer service level, we should break the boundaries of assets, liabilities and services, corporate, peer, personal business and products, integrate financial activities into customers' business and life, optimize customers' balance sheet, and then form a competitive ability to adapt to changes in market and customer demand, develop diversified sources of profit, and effectively balance the economic cycle and business fluctuations against our asset regulations Model, the impact of profitability, to achieve the growth of the industry.

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