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农业银行苏州市分行“以市场为导向,以客户为中心,以效益为目标”,形成了一套以客户为中心的信贷资产经营管理体系,取得了较好的经营业绩。1997至1999年,该行连续三年不良贷款(不含以资抵债)占比在12%以下;连续三年贷款综合利息收回率在95%以上;连续三年成为农行江苏省分行的创利大户,三年合计盈利5亿元。同时,经过三年的调整,该行的信贷资产结构得到了进一步优化,截至1999年末,该行信用总量213亿元,其中黄金客户、重点客户、优质客户信用余额106亿元,占比50%,比98年增加
Suzhou Branch of Agricultural Bank of China has taken “market-oriented, customer-focused and efficiency-oriented” and has formed a set of client-centered credit assets management system and achieved good operating results. From 1997 to 1999, the bank’s non-performing loans (excluding debt-to-assets) accounted for 12% or less of the total loans for three consecutive years. The loan recovery rate for three consecutive years was above 95%. For three consecutive years, Three years total profit 500 million yuan. At the same time, after three years of adjustment, the bank’s credit asset structure has been further optimized. As of the end of 1999, the bank’s total credit amounted to 21.3 billion yuan, of which the credit balance of gold customers, key customers and high-quality customers was 10.6 billion yuan, accounting for 50% %, An increase over 98 years