To Analysis Harbin Commercial Bank's Reformation And Development's Result And Bring Up The Suggestion

Harbin commercial bank is the one of first city commercial bank that National Central Bank grant to try points, its precursor is Harbin City united reputation organization; in 1 9 9 7 February formally outward be listed to run business, It was called Harbin city Cooperation's bank, and formally change name to Harbin commercial bank April in 1 9 9 8.Harbin commercial bank's rate of capital was -8.64% in 1999,The loss in business was the near hundred million dollar, The total amount the deficiency was near 7 hundred million dollar, be placed in the high risk appearance; the beginning 2000, Harbin commercial bank start to change thought, proceed the all-directions reformation, and operating progress quickly increase, take leaping development; To June in 2003, it was connected earnings in three years, The profits , total amount to realize the 2.6 hundred million dollars, Property and savings was two times than 1999 year.The stability and development of the small bank, directly relate to the financial system and the social order's safety, Harbin commercial bank exists certain representation and typical model in China, Pass to introduce this example of reformation and development, Applicant the theories of management to analysis reformation's result, summary experience, and bring up developing suggest, To quest the road of developing small bank in China.