The bank will speak at the morning meeting for 4 minutes 1
Comrades:
The mid-year work meeting of China Everbright Bank was held this afternoon. I talked about everything in the morning at the group reform mobilization meeting. After listening to Comrade You Guo's speech, I agree with this basic view. After the meeting, I will concentrate on your opinions and further improve them. I have been in Everbright for 50 days, and my main focus is to start the reform and reorganization of the group. I have been to bank branches less often, and I have never been to any other branches except Beijing and Shanghai branch. Everbright is like the United Nations. There are many companies, big and small, just like the relationship with countries. All countries, big or small, are equal. Although you are a big country, the king and president of a small country also need to meet and talk, and with other work, comrades in the branch are rare. This reform has already begun, and we will have more opportunities to meet each other in the future.
Regarding the business development of China Everbright Bank, let me talk about it in detail. To tell the truth, I don't have much say yet. As the chairman of the board, I mainly have to fulfill three responsibilities: First, grasp major events. At present, no matter for the group or the bank, reform and reorganization are the most important, the main contradiction and the most important, and must be done well. In the future, in terms of enterprise management, I will mainly focus on major directional issues. The second is to build a contingent of cadres. I'm still the party secretary. According to the principle of "the Party governs cadres" and the needs of banking work, I want to manage and equip human resources to provide organizational guarantee for business development. The third is to coordinate major relations. We are a commercial organization, and a good external environment and public relations are very important. I went to Shanghai a few days ago and I was very full. I arranged 17 activities on three days. I said to Wang Lanfeng, you want to peel two skins from a cow. This is what Das Kapital said. I am both a prostitute and an entertainer. In order to attract customers to eat, this is a prostitute. Customers still ask me for words. I don't write for ordinary people, so I have to write to attract customers. This is a busker. For the development of Everbright, there is no way. As the chairman of the board, I have three orientations, and the rest are free to support the work of the management team and the bold work of the management team.
During the group discussion in the morning, I listened to the speeches of two branch presidents, and they both spoke very well. After the meeting, I hope each branch will write a proposal and tell us your thoughts, your views on development and what you suggest to do.
We will adopt whatever the World Bank reforms and develops. Let me emphasize a few more questions.
First, unswervingly and actively promote reform and structural adjustment. The focus of the reform and restructuring of China Everbright Group is the reform and restructuring of China Everbright Bank. We must actively understand, recognize and grasp the significance of reform and reorganization. In the organization and implementation, the tasks of the three levels are different. The group and the head office are responsible for the overall planning, command and policy formulation of reform and restructuring. Sub-branches have the role of sub-branches, and sub-branches have the positioning of sub-branches, but the goals are exactly the same, and the purpose is to do a good job. At present, the capital adequacy ratio of Everbright Bank is seriously insufficient, and many management indicators are backward in joint-stock banks, except
There is nothing special about wealth management business. A lot of business can't be done, and some customers have left. The purpose of the reform is to solve these problems, reverse this passive situation, and make China Everbright Bank truly prosper. However, the reform is not so simple. In the morning report, I specially wrote eight words "I am willing to work hard and bear the burden of humiliation", which is my deeper experience at the head office level. In this respect, we should know the general situation and take care of the overall situation. In the process of reform, there are many contradictions to be solved, such as the conflict of interests between new and old shareholders, the friction of relationship coordination, and even the adjustment of new board members in the future, and different views on work. I used to say the last word, and others came to beg me. Today, for you and Everbright, I must do this first.
It took more than three and a half years for the reform plan to be introduced, and the State Council made three important instructions. During this period, many things have indeed changed. For example, many new investors have come to our door on their own initiative, and our share price has risen a lot. It is not impossible for us to solve it through market methods. But there are some problems that we have to consider. The task given to me by the CPC Central Committee and the State Council is to implement the approved plan. The reform of Everbright was put forward by ourselves in 20-2000 and finally signed. In addition, if we put off the plan for another year, we will lose the opportunity of the capital market, just like no matter how well seeds are cultivated, the sowing date in spring will be missed, and no good crops will grow after sowing seeds in autumn.
From a positive point of view, the current reform plan is beneficial to the country and China Everbright. It should be said with confidence that only reform can enable us to seize the historical opportunity, change our outlook, establish an image and solve problems. But internally, there will be many bumps in the concrete implementation of future reforms. The central leadership instructed that "the work is arduous", and everyone should be mentally prepared. Reform is the process of phoenix nirvana, through which a new life is gained.
Second, we must do a good job in popular support. I'm not used to talking and reading manuscripts. Yesterday, the office prepared a background material for me, which mentioned the advantages of China Everbright Bank: First, through years of development, with the help of the historical influence of China Everbright Group, it has formed a relatively good market brand; Second, it has strong institutional innovation, product innovation and scientific and technological innovation capabilities in the same industry; Third, it has a good location advantage, and its institutional network is concentrated in coastal areas, along the Yangtze River, the Yangtze River Delta, the Pearl River Delta and the Bohai Rim region; Fourth, there are a number of high-quality and experienced cadres and employees. Whether these advantages are debatable. You can also talk about these points to the outside world, and then people will ask you, with so many advantages, how can you do this? There is no annual report for three years, many indicators are backward, and risk cases are constant. How do you explain these? As far as I know, these management departments will not recognize it. Fortunately, the office summarized the disadvantages of China Everbright Bank into four points: first, the poor asset quality and high non-performing asset ratio led to low capital adequacy ratio; Second, there are many problems left over from history, and related transactions have not been solved for a long time; Third, the corporate culture is lacking, and the minimum compliance culture has not been established; Fourth, risk management is weak, and cases occur every year.
Are these office analyses accurate and complete? Let's think about it carefully and see what advantages we have to develop and what disadvantages we have to solve. Advantages and disadvantages can be transformed into each other, and disadvantages will be transformed into advantages when they reach the peak. In my opinion, our biggest disadvantage now is actually lack of popularity. We don't lack people, what we lack is "qi" and popularity. Why build a human heart project? The most fundamental thing is to build our popularity. In the morning, I told the story of the Red Army crossing the Dadu River during the Long March and running from Anshun field to Luding Bridge one day and one night. What could not be done under normal circumstances was done under that special circumstance. With what? It depends on a spirit, a spirit. This is not enough for China Everbright Bank. I went to Xidan Sub-branch last Sunday. It's not "traveling incognito". I don't do any "traveling incognito". I just couldn't stay at home on Sunday, so I went to Xidan branch. There is only one customer in such a big business hall, and that is Xidan! Golden land! Arriving at CITIC Bank, which is 0/00 meters away from/kloc-,people only have an area equivalent to our 1/4, and seven customers are handling business. Other banks are not comparable, and CITIC Bank is comparable to us. When was that? It's time for the banking industry to solve the problem of long queues. We didn't have a long queue, but no one would come. Comrade You Guo and I are very excited. A leaf can tell autumn, comrades! What I saw may not be comprehensive, but at least it shows some problems. Building people's hearts means forming internal cohesion and centripetal force and re-establishing our image externally. . It's really the chairman's handwriting, but it's awkward not to look at it. After careful inquiry, the escort explained that one of the guards was from Huangqiao. When they met for the first time, the chairman asked him, "Where are you from?" The doorman replied, "I'm from Huangqiao." The chairman said, "Huangqiao's cookies are delicious." That's what the guard said. The chairman said this sentence, but there is no way to look it up. However, in today's market economy, Huangqiao people advertise Huangqiao sesame cakes and look for the words written by the chairman in different places to piece together such a sentence. Although it is the chairman's handwriting, it is uncomfortable to read. Why? That is, there is no "essence, qi and spirit" running through it. Like China Everbright, we have a good appearance, a good reputation, a glorious history and all aspects of hardware. Everyone's single quality is not bad, but they can't get on. Why? There is also a lack of "spirit". Therefore, we want to build a popular project, and each of us has a responsibility on this issue, especially those present here, to make more efforts to unite people's hearts, enhance cohesion and centripetal force.
Third, we should correctly handle the dialectical relationship between safety, efficiency and development. I have been engaged in supervision work in CBRC all the year round, and my words will always be safe. Bank safety is the first priority. If it is unsafe, it will affect both efficiency and development. However, security is not isolated and static, but is interrelated with development and efficiency. It is safest not to drive, but this is obviously not what we want. There is a problem of dealing with the relationship between safety, efficiency and development. Security can't have benefits and development. At the same time, without certain development, there will be no benefits and security. The three are dialectical unity. Last time, Gao Jianping, the chairman of Industrial Bank, told me that five years ago, the assets of Everbright Bank were five times that of Industrial Bank, and now the assets of Industrial Bank are more than 200 billion. He didn't mean to, and he thanked me politely for my support at the CBRC, but I was very unhappy after listening to it. Our business is declining, our peers are rising, and the whole financial industry is booming, which really reflects our problems. The current situation is excess liquidity. In this case, banks can't lend out by pulling deposits alone, which will lead to new non-performing loans. We can't do this. But we have our own particularity, and we have been going downhill in recent years. I went to Shanghai. Although Shanghai Branch is the leader of China Everbright Bank, its business has declined even more. Therefore, I said that Shanghai, Beijing and other branches should not be satisfied with the comparison within the whole bank, but should be compared with their local counterparts and gradually lead them. Of course, there must be a process, but first we must have our own ambitions and goals. In short, we should correctly handle the relationship between safety, efficiency and development, and we should not neglect one side and the other. In the past, our development was restricted by some objective factors, mainly the insufficient capital adequacy ratio, which needed to be solved through reform and restructuring. We should have a strategic consideration on how the business of China Everbright Bank will develop in the future.
Fourth, we should do a good job in management engineering. We want to occupy this country.
The audit office's inspection is a good opportunity to solve the internal management problems. There are many existing systems, but if some systems are not implemented, the system will be a piece of waste paper. Frankly speaking, it is a prominent problem and weakness of China Everbright Bank that there are rules that are not followed and it is difficult to ban them. The system must be implemented in place, and if you are not in place, people will be in place; If you are not in place, people will take your place. Some comrades violate the rules not subjectively and intentionally, but are used to it, and should criticize and educate them; For a small number of malicious violations of the law, causing losses and adverse effects to banks, we must deal with them seriously and deal with them strictly. Comrades from higher regulatory authorities and foreign units all said that China Everbright Bank was poorly managed and mishandled. We should have a correct understanding of this. We don't punish, but we don't deal with people and things that violate the law and discipline seriously, and our social image is not good and our internal atmosphere is unhealthy. In the end, it is ourselves who suffer. Therefore, we must strictly strengthen internal management.
Fifth, we should pay attention to building a good talent project. To build a talent project, we must rely on internal excavation to recommend talents, cultivate talents as a whole, and recruit talents from outside. There is another point that I have just considered, that is, to rationally integrate talents, which I did not mention this morning. There are no useless talents, only leaders who don't make good use of them. I said at the CBRC that there is no concept of garbage. It was said in the news last night that cow dung has been turned into raw materials for power generation in Britain, so it is not rubbish. "Red, orange, yellow, green, blue and purple", which of the seven colors is useful and which is not? The key is how to use it well. Red paint is used to paint the sea, not because the paint is wrong, but because your painter is useless; Blue paint is put in the sun, not the paint is wrong, but also your painter is useless. We should actively discover talents, boldly use talents, form a system, and excavate, cultivate, use and manage talents through the system. I came to China Everbright. There are many people who want to go with me. I didn't bring anyone. I take one person to Everbright, and one person is my person; I take ten people, and ten people are my people; I don't take anything. Everbright is mine. We are all Everbright people. In the future, according to the needs of business development, it is another matter to recruit talents through normal procedures and rules. Now that the direction of reform has been determined, the pace of reform has begun, and the next step is people.
The two meetings held this morning and afternoon are very important. As long as we take Scientific Outlook on Development as the guide, raise our awareness, clarify our working ideas and do our work in a down-to-earth manner, this mid-year working meeting will become the Zunyi meeting of China Everbright, China Everbright Bank will truly become a bank that "goes up a storey still higher and opens three hundred miles", and China Everbright Bank will be more prosperous.
Thank you all.
The bank will speak at the morning meeting for 4 minutes 2
Dear colleagues,
This is my second time in charge of the business department. The first time was-years. Although the time is only one year, it left a deep impression on everyone. By working hard with everyone, I was rated as an advanced collective at the end of the year. This time, I need to go back to the sales department because of my work, and work hard with you. I think everyone will support and cooperate with me as always, work conscientiously in their respective posts with full enthusiasm as always, and care about the development of the sales department as always. Let's discuss with you the concerns of the sales department and the problems that should be further improved in the future work.
First, the issue of performance distribution.
At present, everyone is most concerned about the issue of performance distribution. On this issue, I can give you a guarantee: first, I won't take any more money except as stipulated in the branch documents. Second, the principle that distribution follows performance cannot be changed. I will adjust the distribution method according to the spirit of the branch's documents. Third, the content of the division's work ideas at the beginning of the year remains unchanged, and the assessment of business volume, work risk and service satisfaction is increased.
Second, on the issue of unity.
I hope everyone can do a good job of unity. "Unity is strength" is an irrefutable truth. I think it is good for individuals to do a good job of unity. Everyone can put down their work in a comfortable mood without psychological defense, which is good for physical and mental health. Second, it is conducive to the cause, and everyone's enthusiasm can be brought into play, so that the cause can develop. Pay attention to the director and comrades at ordinary times. The unity between directors and comrades should be cherished as a fate of working together. Only by doing a good job of unity can we overcome all difficulties and do a good job in the sales department.
As the old saying goes, "Don't wash your dirty linen in public", except to report to the director's office, don't comment too much and don't look at jokes. We all do things and make mistakes. The more things we do, the more likely it will happen. We all feel that we are busy and may make mistakes, so we hope that when things happen, we can help find a solution instead of making irresponsible remarks. What should be said and reflected upwards should be discussed and decided by the director's office before being reflected. At the same time, tell me the good in the past, don't say too much about the bad, and don't tell me. There is only one purpose, that is, to devote oneself to work. But my personal problems can be directly reflected in the president's office.
Third, about service work.
1, my understanding of service work. With the development of economy and the improvement of people's quality of life, customers have turned from single pursuit of material satisfaction to double satisfaction of material and spirit, and financial services have entered an era of choice and picky for all customers. Any response at work, even the blunt indifference and reluctance of "unexpected food", will make our service go in the opposite direction, which is counterproductive. For the increasingly fierce competition in the same industry, service is always the theme of competition.
2. Good service is of great significance to the sales department. The first business department is the largest service window of the whole bank, especially the service of customer managers accounts for more than 80% of the whole bank, so the quality of our counter service directly affects the reputation of the business department and even the whole bank. The service quality of the second business department is not satisfactory, which is far from the business department of China Bank and the center of the same floor of the bank. The direct benefits brought by the third service work to our sales department are considerable, accounting for a large proportion. In the first quarter, the performance income allocated by the branch to the sales department was-yuan, of which the amount of service for the account manager reached-yuan, accounting for-%of the total. It is said that the proportion in the second quarter is higher than that in the first quarter. When the performance was issued in the fourth quarter of last year, it was because of the deduction of service satisfaction that it caused a loss of-yuan to the sales department, and the per capita income was diversified. This shows the importance of the service account manager.
3. Questions about service skills
First, "the customer is God" has been talked about, requested and emphasized every time in previous meetings, and the effect is not ideal, because God is too far away from us and unrealistic. So, today, I want to put it another way, calling on everyone to change a brand-new concept in their minds: treat customers as their relatives and friends. Because relatives and friends come, you will show a knowing smile; You will be happy to stand up and take the initiative to meet; You will greet warmly; You will give up your seat and offer tea ...; You will do your best to handle any business for him, with no regrets; You will be anxious and think about what others think; Even if the business fails, you will patiently explain and make him happy and satisfied. This service will be more enthusiastic and natural; More of a human touch; Have a sense of closeness, but also increase the affinity. To serve customers with a three-foot counter, start with counter service. We must discuss the topic "If I am a customer" and explore the psychology of customers. We should consciously put ourselves in the customer's shoes and understand the customer's psychology. According to different customers, we should provide corresponding newspaper services, be polite and considerate, and provide meticulous services, so that customers can enjoy the warmth of "home" from a cup of tea, a cigarette and a greeting.
Second, we should strive to improve the service speed. "It takes hard work to strike while the iron is hot". Without excellent business skills, quality service is like building a house on the beach. On this issue, I want to combine the labor force as soon as possible, squeeze out one or two people from the existing posts, and cross-learn business, so that everyone can be multi-functional, improve their operational skills and reduce the waiting time of customers.
4. On the relationship between service and system implementation.
First, regarding the deviation between the implementation of rules and regulations and the requirements of business development, it should be clear that the system serves development, that is, the system serves development. Once upon a time, "separate management of money and accounts" and "double check system" were the iron systems that old banks had implemented for decades. Now, under the new requirements of strengthening external service, improving service efficiency, reducing staff and increasing efficiency, and enhancing competition in the same industry, the implementation of the integrated teller system puts forward new requirements for the implementation of the traditional system. Today, it seems that the phenomenon that the system does not allow or conflicts with the system may be adjusted regularly. Only by constantly adjusting the deviation in system implementation and business development can ICBC continue to grow and develop.
Secondly, we should oppose two kinds of tendentious errors. First of all, we should oppose one-sided emphasis on system and neglect development. Based on development, correctly face the contradiction between business development and system conflict. The correct attitude is not to avoid contradictions, but to find the combination of system and service, and system serves development. Secondly, we should oppose the following emphasis on development and neglect of the system. It is unshakable for the fundamental system. However, we should distinguish them, grasp them accurately and avoid arbitrary decision-making. This is also the fundamental system, and that is also the fundamental system, so as to cut off the road of development and hand over the market opened by the account manager to others.
Comrades: With the correct leadership of the President and the great assistance and hard work of the comrades, I am confident and determined to create brilliant achievements with you.
The bank will speak at the morning meeting for 4 minutes 3
Leaders and shareholders' representatives:
Thanks to the trust of the chairman and all directors, I was elected as the first proposed president of Chongzhou Shangyin Rural Bank. I will fulfill the obligations entrusted to me by the Articles of Association of Chongzhou Shangyin Village Bank adopted at today's shareholders' meeting after passing the qualification approval of the regulatory authorities. During my term of office, I will lead the whole bank to unite and work hard, and do my best to contribute to the construction and development of Chongzhou Shangyin Village Bank.
Developing rural banks is the need to promote the formation of a banking financial service system with diversified investment, various types, comprehensive coverage, flexible governance and efficient service in rural areas, so as to better improve and strengthen rural financial services and support the construction of a new socialist countryside. After performing their duties, the leading group of Chongzhou Shangyin Village Bank will conscientiously implement the requirements of "Several Opinions of China Banking Regulatory Commission on Adjusting and Relaxing the Access Policy of Banking Financial Institutions in Rural Areas to Better Support the Construction of a New Socialist Countryside", and share the same fate with the three rural areas and the development of small and medium-sized enterprises.
Make due contributions to the economic and social development of agriculture, rural areas and farmers in chongzhou city and the construction of new countryside in chongzhou city. Adhere to the foothold of agriculture, rural areas and farmers, serve the local market positioning, be considerate and perfect, and make village banks a bank trusted by society; Adhere to the development path of compliant operation and steady development, conscientiously implement the requirements of the regulatory authorities, and make village banks a bank that the regulatory authorities can rest assured of; We will adhere to the value orientation of "win-win cooperation" and "win-win justice and benefit", operate in good faith and work diligently, repay shareholders with excellent operating results, and make rural banks into banks that satisfy shareholders; We will adhere to the management philosophy of innovation to achieve performance, compliance to create value, and characteristics to lead development, and establish a dynamic mechanism and system to make rural banks become banks that achieve employee career.
It is our mission and responsibility to base ourselves on agriculture, countryside and farmers, serve the local area, repay shareholders and achieve employees. In the future work, we will certainly fulfill our social responsibilities, be responsible to shareholders, accept the supervision of the board of supervisors, rely on the support of the local government and all sectors of society, implement the national monetary policy, and implement the requirements of the China Banking Regulatory Commission and the Sichuan Banking Regulatory Bureau for the construction and development of rural banks, so as to turn Chongzhou Shangyin Rural Bank into a local corporate bank with characteristics, brands, vitality and core competitiveness.
Leaders, shareholders' representatives and village banks are new things in the financial field of China. Although my colleagues and I have long-term experience in working in financial institutions, we still need further study and exploration on the leadership and management of village banks. Chongzhou Shangyin Rural Bank received strong support and help from provincial and municipal regulatory authorities, People's Bank of China, chongzhou city Municipal People's Government, government departments and shareholder units in the process of preparation. We look forward to your continued concern and support in the future development of Chongzhou Shangyin Village Bank, and we will strive to achieve the brilliant future of Chongzhou Shangyin Village Bank with full confidence.
Thank you!
The bank will speak at the morning meeting for 4 minutes.
Leaders and shareholders:
_ _ The founding meeting and the first shareholders' meeting of rural commercial bank, through the joint efforts of all shareholders and comrades attending the meeting, successfully completed the scheduled agendas. Just now, the General Assembly elected the members of the first board of directors and the board of supervisors of rural commercial banks. Thank you for the trust of all shareholders and directors, and express my heartfelt thanks for electing me as the chairman according to law! I know that as the chairman of the rural commercial bank, the mission is lofty and the responsibility is great. Together with all directors and colleagues, I will be responsible for the development of rural commercial banks and the interests of all shareholders, faithfully perform my duties, do my duty, work hard and live up to the expectations of all shareholders and leaders at all levels.
_ _ Rural Commercial Bank was formerly known as _ _ District Rural Credit Cooperative Association. Since its establishment, with the strong support and help of organizations at all levels, it has achieved good results, achieved remarkable results in various reforms, highlighted its development vitality, continuously improved its service level for supporting agriculture, continuously improved its operating efficiency and further enhanced its corporate image. These achievements are the result of the correct leadership, care and help of the provincial association, the government, the People's Bank of China, the banking supervision sub-bureau and all walks of life, the hard work and United struggle of all employees led by previous leading bodies, and the active participation and support of all shareholders. Here, on behalf of the rural commercial bank, I would like to express my heartfelt thanks and high respect to the shareholders, leaders at all levels and friends from all walks of life who have long cared about and supported the development of the rural commercial bank! On the basis of inheriting the history and culture of rural credit cooperatives, adhere to the business philosophy of "credit-oriented, win-win cooperation", adhere to the market positioning of community-based retail banks serving agriculture, rural areas and farmers and community economy, establish and improve the management system and mechanism of modern commercial banks, accelerate the development of various businesses, improve the internal control and risk management system, and strive to repay society, customers and shareholders with good business performance.
20_ year is the first year after the reform of rural commercial banks. Facing the new opportunities and challenges, we will unswervingly fulfill the three historical missions of "promoting standardization, enhancing competitiveness and making new contributions", accelerate the development of various businesses in an all-round way, and make _ _ rural commercial bank "an invincible characteristic bank, a sustainable high-quality bank, a veritable modern bank, a refined management process bank and a dynamic harmonious bank".
Dear shareholders and comrades, I firmly believe that under the strong leadership of the Provincial Association, the Municipal Party Committee and the Municipal Government, with the strong support of the People's Bank of China, the banking supervision department and the majority of shareholders, and with the joint efforts of all employees, our goal will be successfully achieved, and the future of the rural commercial bank will be even better!
Thank you all.
The bank will speak at the morning meeting for 4 minutes and 5 seconds.
Dear leaders, distinguished guests, ladies and gentlemen: Good afternoon!
On this beautiful evening, we gather together to celebrate the first anniversary of the opening of Meihekou Minsheng Village Bank, which is an important milestone in the development history of Meihekou Minsheng Village Bank and a historic event in the development process of our bank. Here, on behalf of all the cadres and employees of Meihekou Minsheng Rural Bank, I would like to extend my sincere welcome to the leaders and friends from all walks of life who attended today's ceremony! I would like to express my heartfelt thanks to leaders at all levels and friends from all walks of life who care about and support the development of our bank!
Rich people are rich, and rich countries are strong. In recent years, Meihekou Minsheng Village Bank has been adhering to the rich cultural accumulation of China Minsheng Bank and relying on information technology to actively promote the innovation of financial products and services, the continuous improvement of service means and service environment, and the further improvement of service efficiency and quality. We always adhere to the business philosophy of "serving the public and caring for people's livelihood" of China Minsheng Bank, base ourselves on Meihekou, serve agriculture, countryside and farmers, support small and medium-sized enterprises, take local economic construction as our own responsibility, keep pioneering and innovating, and make every effort to build a modern rural financial institution with standardized management and thoughtful service. Always adhere to the coordinated development of quality, efficiency, speed and structure, constantly expand the scale of operation, focus on improving profitability, and maintain a good momentum of sustained, stable and healthy development.
The blue boat urges the hair, and time waits for no one. In today's increasingly fierce competition, meihekou city will surely become a hot spot for investment and development, a fertile ground for growth and a paradise for businessmen to gather. Facing this once-in-a-lifetime development opportunity, we are full of confidence and hope. We will make full use of Meihekou's unique location advantages and rich customer resources, closely rely on the support of party committees, governments, regulatory agencies and all walks of life at all levels, uphold the spirit of China Minsheng Bank, actively learn from local peers, and consciously integrate into the local economic development trend. At the same time, under the guidance of Scientific Outlook on Development, we will adhere to a high starting point, high-standard management and high-quality operation, provide customers with distinctive, differentiated and diversified financial services, fully demonstrate the people's livelihood spirit of "unity, hard work, dedication and innovation", and build Meihekou Minsheng Village Bank into a boutique bank for regional development, create more wealth and value for the society, repay the love of all walks of life with excellent performance, and make positive contributions to the social and economic development of meihekou city.
Finally, I wish all the leaders and guests good health and all the best. Thank you!
The bank will speak for 4 minutes at the morning meeting.
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