青(qing)海(hai)(hai)銀(yin)行(xing)(xing)(xing)原名(ming)西寧市商業(ye)(ye)銀(yin)行(xing)(xing)(xing),成(cheng)立(li)于(yu)1997年(nian)12月(yue)(yue)30日,2008年(nian)11月(yue)(yue)經中(zhong)國(guo)銀(yin)監會批準更名(ming)為(wei)(wei)青(qing)海(hai)(hai)銀(yin)行(xing)(xing)(xing),是(shi)青(qing)海(hai)(hai)省(sheng)(sheng)較早一(yi)家地方法人(ren)股份制商業(ye)(ye)銀(yin)行(xing)(xing)(xing)、一(yi)家城市商業(ye)(ye)銀(yin)行(xing)(xing)(xing),也是(shi)青(qing)海(hai)(hai)省(sheng)(sheng)國(guo)資委(wei)管理(li)的(de)18家省(sheng)(sheng)屬(shu)出(chu)資企業(ye)(ye)中(zhong)一(yi)家銀(yin)行(xing)(xing)(xing)業(ye)(ye)金融(rong)機(ji)(ji)構(gou)。成(cheng)立(li)初始,此(ci)后分(fen)(fen)別于(yu)2005年(nian)、2007年(nian)和2011年(nian)實施(shi)了(le)(le)三次增(zeng)資擴股,注冊資本增(zeng)至18.6億元。其(qi)中(zhong),國(guo)有(you)股份5.02億股,占(zhan)(zhan)總股份的(de)26.96%;國(guo)有(you)法人(ren)股份4億股,占(zhan)(zhan)21.49%;民營法人(ren)股份9.337億股,占(zhan)(zhan)50.36%;自然人(ren)股份2213萬股,占(zhan)(zhan)1.19%。青(qing)海(hai)(hai)銀(yin)行(xing)(xing)(xing)已(yi)形(xing)成(cheng)了(le)(le)較為(wei)(wei)合(he)(he)理(li)的(de)混合(he)(he)所有(you)制股權(quan)架構(gou)。目前,青(qing)海(hai)(hai)銀(yin)行(xing)(xing)(xing)總行(xing)(xing)(xing)設有(you)19個部室(shi),下設12家分(fen)(fen)支(zhi)行(xing)(xing)(xing)、3家直屬(shu)縣域支(zhi)行(xing)(xing)(xing)和1家專營機(ji)(ji)構(gou)——小企業(ye)(ye)金融(rong)服務中(zhong)心,營業(ye)(ye)網點共計81個,遍布全省(sheng)(sheng)主要經濟區域。在職員工1558人(ren)。2011年(nian)6月(yue)(yue),青(qing)海(hai)(hai)銀(yin)行(xing)(xing)(xing)發起(qi)設立(li)了(le)(le)跨(kua)省(sheng)(sheng)村鎮(zhen)(zhen)銀(yin)行(xing)(xing)(xing)——寧夏中(zhong)寧青(qing)銀(yin)村鎮(zhen)(zhen)銀(yin)行(xing)(xing)(xing)。
建行(xing)(xing)以來(lai)(lai),青海(hai)銀(yin)行(xing)(xing)始終秉承地(di)方(fang)銀(yin)行(xing)(xing)“立(li)足區域經(jing)濟,面向中小(xiao)(xiao)企(qi)業(ye)(ye)(ye),服務(wu)(wu)廣大(da)民眾”的(de)(de)市場定位,堅持特色(se)(se)化、差異化、精品(pin)化經(jing)營,改革發(fa)(fa)展(zhan)(zhan)(zhan)取(qu)得了(le)(le)(le)顯(xian)著成(cheng)績。截至2016年(nian)12月31日,全行(xing)(xing)資產總額(e)突破1000億(yi)元(yuan)(yuan),達到1082.65億(yi)元(yuan)(yuan),各(ge)項(xiang)存款(kuan)余(yu)額(e)587.45億(yi)元(yuan)(yuan),各(ge)項(xiang)貸款(kuan)余(yu)額(e)419.31億(yi)元(yuan)(yuan),實現各(ge)項(xiang)收(shou)入約41.22億(yi)元(yuan)(yuan),凈利潤6.97億(yi)元(yuan)(yuan),各(ge)項(xiang)監管(guan)指標(biao)全部達標(biao)。為應對日趨復雜的(de)(de)經(jing)濟金(jin)融(rong)(rong)(rong)(rong)(rong)形勢,提升(sheng)市場競爭力(li)和(he)綜合實力(li),青海(hai)銀(yin)行(xing)(xing)堅持“根(gen)植地(di)方(fang)、服務(wu)(wu)青海(hai)”,堅定不移地(di)推進(jin)(jin)戰(zhan)略轉型(xing)和(he)創新發(fa)(fa)展(zhan)(zhan)(zhan),專注于(yu)發(fa)(fa)展(zhan)(zhan)(zhan)綠(lv)色(se)(se)金(jin)融(rong)(rong)(rong)(rong)(rong)、普惠(hui)金(jin)融(rong)(rong)(rong)(rong)(rong)、民生金(jin)融(rong)(rong)(rong)(rong)(rong)、科技金(jin)融(rong)(rong)(rong)(rong)(rong),不斷擴大(da)信(xin)貸投放,建行(xing)(xing)19年(nian)來(lai)(lai),累(lei)計投放各(ge)類貸款(kuan)近3000億(yi)元(yuan)(yuan),其中,“十(shi)二五(wu)”時期投放超(chao)過1000億(yi)元(yuan)(yuan),2016年(nian)投放超(chao)過500億(yi)元(yuan)(yuan)。成(cheng)立(li)了(le)(le)(le)青海(hai)較(jiao)(jiao)早、西北五(wu)省(sheng)區第二家(jia)獨(du)(du)(du)立(li)運營的(de)(de)小(xiao)(xiao)微企(qi)業(ye)(ye)(ye)專營機(ji)構(gou)——小(xiao)(xiao)企(qi)業(ye)(ye)(ye)金(jin)融(rong)(rong)(rong)(rong)(rong)服務(wu)(wu)中心(xin)。引(yin)進(jin)(jin)德國法蘭(lan)克(ke)福財經(jing)管(guan)理大(da)學專業(ye)(ye)(ye)技術,在省(sheng)內較(jiao)(jiao)早推出了(le)(le)(le)“微貸”“小(xiao)(xiao)貸”和(he)“農貸”業(ye)(ye)(ye)務(wu)(wu),形成(cheng)了(le)(le)(le)獨(du)(du)(du)具特色(se)(se)、獨(du)(du)(du)樹一幟的(de)(de)普惠(hui)金(jin)融(rong)(rong)(rong)(rong)(rong)品(pin)牌。著眼于(yu)金(jin)融(rong)(rong)(rong)(rong)(rong)產品(pin)和(he)業(ye)(ye)(ye)務(wu)(wu)模式創新,大(da)力(li)發(fa)(fa)展(zhan)(zhan)(zhan)產業(ye)(ye)(ye)基(ji)金(jin)、債券(quan)投資、自(zi)主理財等創新業(ye)(ye)(ye)務(wu)(wu),推出無抵押、無擔保(bao)(bao)消費信(xin)貸業(ye)(ye)(ye)務(wu)(wu),大(da)幅拓寬了(le)(le)(le)企(qi)業(ye)(ye)(ye)投融(rong)(rong)(rong)(rong)(rong)資渠道,有力(li)支持了(le)(le)(le)企(qi)業(ye)(ye)(ye)融(rong)(rong)(rong)(rong)(rong)資發(fa)(fa)展(zhan)(zhan)(zhan)和(he)客戶(hu)財富保(bao)(bao)值增值。堅持電子(zi)與物(wu)理渠道“兩(liang)翼齊飛”,著力(li)發(fa)(fa)展(zhan)(zhan)(zhan)互(hu)(hu)聯網(wang)(wang)金(jin)融(rong)(rong)(rong)(rong)(rong)。網(wang)(wang)上(shang)銀(yin)行(xing)(xing)、手(shou)機(ji)銀(yin)行(xing)(xing)、微信(xin)銀(yin)行(xing)(xing)、直銷銀(yin)行(xing)(xing)和(he)“三江e融(rong)(rong)(rong)(rong)(rong)”互(hu)(hu)聯網(wang)(wang)投融(rong)(rong)(rong)(rong)(rong)資平臺相繼(ji)上(shang)線,形成(cheng)了(le)(le)(le)多(duo)驅動的(de)(de)互(hu)(hu)聯網(wang)(wang)金(jin)融(rong)(rong)(rong)(rong)(rong)發(fa)(fa)展(zhan)(zhan)(zhan)格(ge)局,客戶(hu)體(ti)驗獲得極大(da)提升(sheng)。
未來,面對(dui)新(xin)的(de)發展機遇和挑戰,青(qing)海銀(yin)(yin)行(xing)將(jiang)繼續(xu)緊扣省委政府中心工(gong)作,堅(jian)持(chi)以(yi)科學發展為主(zhu)題,以(yi)加快轉(zhuan)變發展方(fang)式(shi)為主(zhu)線,堅(jian)持(chi)協(xie)調可持(chi)續(xu)發展,穩中求進,努力(li)創新(xin)發展方(fang)式(shi)和工(gong)作方(fang)法,加快經營轉(zhuan)型,深化結構(gou)調整,大力(li)降本增效,實(shi)現服務專(zhuan)業化、業務品牌(pai)化、經營特(te)色(se)化、管理精細化,努力(li)打造地方(fang)銀(yin)(yin)行(xing)品牌(pai),建設具有鮮(xian)明品牌(pai)特(te)色(se)的(de)現代化城市商業銀(yin)(yin)行(xing)。