理财周报记者 冀欣/北京报道

Financial weekly reporter JiXin/Beijing

　　56岁的朱小黄，离开了他已经供职了30年的中国建设银行，他的办公室从北京金融街搬到了朝阳门，8月起，他将接替陈小宪，出任中信银行(601998,股吧)行长。

56, and yellow,Left he has worked for 30 years of China construction bank,His office from Beijing financial street moved to ChaoYangMen,August,He will succeed ChenXiaoXian,As citic bank(601998,guba)President.

　　这一变动，是在几天前与中信银行的半年中期业绩一并公布的，但事实上，早在一个月前，中信换帅的消息就已传出，半个多月前，朱小黄便以中信集团党委委员、中信股份副总经理的身份，前往中信重工(601608,股吧)开展考察。

This change,Is a few days ago and citic bank's six months interim results released together,But in fact,As early as a month ago,Citic in handsome news has spread,For more than half a month ago,Zhu yellow and the citic group party committee member/Citic shares the identity of the deputy general manager,To citic heavy industry(601608,guba)Carry out investigation.

　　随着中信银行另外两位董事辞任，中信银行新一轮的人事调整也基本尘埃落定，只待银监会核准。

Along with the citic bank two other resigned as director,Citic bank a new round of restructuring of personnel is basically the dust settles,Only for approval of CBRC.

　　

朱小黄时代开启 Zhu yellow time open

　　与曾在招商银行(600036,股吧)工作了11年，并有央行从业经历的陈小宪不同，在此之前，朱小黄自大学毕业后的全部职业生涯都交给了建设银行，朱小黄1982年2月起就在建行工作，历任建行办公室法规处办公室副主任、广东省分行行长、公司业务部总经理等职。赴任中信银行行长职位前，他是中国建设银行执行董事、副行长。

And once in China merchants bank(600036,guba)Work 11 years,And the central bank work experience ChenXiaoXian of different,Before this,Zhu yellow since after graduation from the university of all his career, to the construction bank,Zhu yellow February 1982 since the construction bank in the work,Former deputy director of the office of the construction bank office FaGuiChu/The head of the branch, guangdong province/Company general manager of sales department and so on.Go to one's post citic bank President position before,He is China construction bank executive director/Vice President.

　　综观朱小黄的履历可以看到，这位有着30年从业经历的银行家，具有丰富的银行工作实践经验和管理经验。不但做过公司业务、领衔过营业部，做过建行省级分行行长，在风险管理方面更是在业内有突出表现。

Synoptic zhu yellow resume can see,The has 30 years relevant working experience banker,Has a wealth of bank work practice experience and management experience.Not only did the company business/Had led the sales,Doing the construction bank branch President at the provincial level,In the risk management in the industry is more outstanding performance.

　　2006年，在经过长达半年多的全球海选之后，朱小黄被聘为中国建设银行首任“首席风险官”，这也是国有银行首度聘请“本土人士”担任首席风险官。

In 2006,,After more than six months after more than global auditions,Zhu yellow was appointed China construction bank first"Chief risk officer",This is the first state-owned Banks hire"Local people"As a chief risk officer.

　　作为一个有着很强学者气息的银行家，朱小黄说话慢条斯理，略带一丝湖南当地口音。2年前，他出了一本书，叫《远离冰山》。据说，当年中行等机构都点名推荐内部中层领导和员工阅读此书，被认为是在风险控制，特别是公司业务风险控制方面，理论和实践结合的代表之作。

As a great scholar breath banker,Zhu yellow speak unhurriedly,With a local accent in hunan province.Two years ago,He gave a book,call[Away from the iceberg].It is said that,The institutions such as bank all call recommend internal middle-level and employees reading this book,Considered in the risk control,Especially the company business risk control,Theory and practice combination of the representative works.

　　有意思的是，当时为这本书作序推荐的，一位是时任银监会副主席的蒋定之，另一位则是中信集团董事长常振明。

Interesting is,For the works at that time sequence recommended,One is the banking regulatory commission vice President JiangDingZhi,Another is the citic group chairman of the board ChangZhenMing.

　　2年后的今天，朱小黄走进中信集团，至此，中信银行长达八年的“陈小宪时代”也划下句点，改由朱小黄担任行长。当然，陈小宪并未离开中信，而是继续担任该行常务副董事长，并兼任中信银行国际董事长。

Two years later,Zhu yellow into the citic group,So far,Citic bank for eight years"ChenXiaoXian age"Also out once,Now zhu yellow as President.Of course,ChenXiaoXian did not leave citic,But to continue in the bank executive vice chairman of the board of directors,And concurrently citic bank international chairman of the board of directors.

　　至于人事调整的缘由，中信银行方面表示，是加强中信银行集团领导，加速境内外战略整合的需要，也是依托香港国际金融中心地位，加速中信银行集团国际化发展的需要，更是推进中信银行集团的统一管理，提升其海内外市场开拓及风险控制能力的需要。

As for the cause of the personnel changes,Citic bank said,Citic bank is to strengthen the group leader,Both at home and abroad, accelerate strategic integration needs,Relying on Hong Kong is an international financial centre,Accelerated citic bank group the needs of the development of internationalization,But also promote citic bank group's unified management,Improve the market at home and abroad and risk control ability of the need.

　　陈小宪担任中信银行行长的这八年，牵头实施了中信银行的零售战略，作为从国内一流零售银行走出的银行家，他希望将招行先进的东西引入中信，并提出了一套清晰的运作战略，中信内部将其称为“三维四动”。

ChenXiaoXian as citic bank President of this eight years,Lead the implementation of China citic bank retail strategy,As from domestic first-class retail Banks out of the banker,He wants to travel advanced things into citic,And put forward a set of clear operation strategy,Citic internal will its called"Three dimensional four dynamic".

　　所谓“三维”就是从客户、产品和核心竞争力三个维度发力，“四动”则是指加强公私联动、产品拉动、专业促动、全员推动，增强零售银行业务拓展力度。

The so-called"Three dimensional"Is from the customer/Products and core competitiveness of three dimension hair force,"Four dynamic"It is to point to strengthen public or private linkage/Product pull/Professional actuation/Overall promote,Enhance retail banking business development strength.

　　八年来，中信银行净资产由2004年末的87亿元跃升至目前的1879亿元，净利润由3亿元跃升至2011年的308亿元。

For eight years,Citic bank by the end of 2004 net assets of 8.7 billion yuan jumped to the current 187.9 billion yuan,By 300 million yuan net profit jumped to 2011 yuan in 30.8 billion.

　　根据陈小宪勾画的框架，中信银行重新构架了一个新的业务版图，零售银行业务已经有了实质性的进展，主要经营指标都有了很好的增长表现。

According to the framework of ChenXiaoXian sketch,Citic bank to frame a new business territory,Retail banking have substantial progress,The main business index all have a good growth performance.

　　而如今，陈小宪时代终结，朱小黄时代开启。

And now,ChenXiaoXian era,Zhu yellow time open.

　　朱小黄在建行主抓风控，转战中信银行后会如何出牌，值得期待。

Zhu yellow in the construction bank eco-agricultural wind control,After moving citic bank how to play,Is worth looking forward to.

　　与此同时，中信银行还宣布了另外两则人事变动：董事赵小凡因个人工作调整辞去中信银行董事职务以及董事会风险管理委员会委员职务，董事陈许多琳女士因个人工作调整原因辞去董事职务，两个董事席位都会有后续人员填补。

meanwhile,Citic bank also announced two other is personnel changes:ZhaoXiaoFan director for personal work adjustment quit citic bank director position of the board of directors and the risk management committee duties,Director Chen many elim lady due to personal reasons work adjustment to quit the directorship,Two director seats will there be a follow-up personnel to fill.

　　中信银行副行长曹彤也在电话会议上表示，此次职务调动不会对业务造成影响，是正常人事调整，不涉及董事会结构变化，强调并非“大换血”

Citic bank vice President CaoTong also in a telephone conference on Wednesday,This position will not affect transfer business,It is normal personnel adjustment,Does not involve the board of directors structure change,Stressed that it is not"Big change blood to"

　

　不良贷款双微升 Bad loans double edge up

　　虽然朱小黄上任后，所要面对的局面比陈小宪当年接手中信时清晰很多，但依然存在诸多挑战。

Although zhu yellow shortly after taking office,The situation ChenXiaoXian than that of citic took over when clear a lot of,But there are still many challenges.

　　中信银行的半年报数据显示，该行上半年盈利能力持续提升，实现归属于股东的净利润193.73亿元，同比增长29%。总资产回报率1.38%，平均净资产回报率21.24%，每股收益0.41元人民币。

Citic bank semi-annual report data display,In the first half of the bank profitability continued ascension,Achieve net profit attributable to shareholders of 19.373 billion yuan,Year-on-year growth of 29%.Return on total assets of 1.38%,The average return on equity of 21.24%,Earnings per share 0.41 yuan.

　　截至6月末，中信银行总资产达29164亿元人民币，比上年末增长5.44%。同时通过成功发行200亿元次级债补充资本，资本充足率达到13.44%，核心资本充足率达到10.05%，保持同业较高水平。

By the end of June,Citic bank total assets of RMB 2.9164 trillion,ShangNianMo than 5.44% growth.At the same time through the successful issue $20 billion of subprime debt supplementary capital,Capital adequacy ratio reached 13.44%,The core capital adequacy ratio reached 10.05%,Keep trade a higher level.

　　截至目前，中信银行的存贷比为70.1%，连续6个月实现达标。

So far,Citic bank savings ratio is 70.1%,Continuous six months target realization.

　　但与此同时，中信银行上半年不良贷款出现“双微升”。截至6月末，该行不良贷款余额为93.93亿元，比上年末增加8.52亿元，不良贷款率为0.61%，比上年末略升0.01个百分点。拨备覆盖率为273.18%，比上年末提高0.87%。

But at the same time,In the first half of citic bank non-performing loans appear"Double edged".By the end of June,The bank non-performing loan balance is 9.393 billion yuan,More than ShangNianMo an increase of 852 million yuan,Bad loans is 0.61%,Slightly more than ShangNianMo rise up to 0.01%.A provision coverage is 273.18%,ShangNianMo than increased by 0.87%.

　　信贷部总经理孙建林表示，不良贷款主要分布在长三角及珠三角地区，分别占不良贷款总额的62%及10%，从行业分布上看，制造业占51%，批发零售业占38%，估计是由于有关地区早年经济发展较快，加上在宏观调控下该行业资金紧张所致。

Credit department general manager SunJianLin said,Bad loans are mainly distributed in the Yangtze river delta and pearl river delta region,Accounted for 62% of the total amount of non-performing loans and 10%,From the industry distribution looked,Manufacturing accounts for 51%,Wholesale and retail industry accounted for 38%,Estimation is due to the region early economic development faster,Add in the macroeconomic regulation and control the financial strain caused by industry.

　　中信银行副行长曹彤表示，在风险管理上将未雨绸缪，对房地产贷款风险保持高度警惕，加大平台贷款管理力度，严格管理小企业贷款风险同时严防案件发生。

Citic bank vice President CaoTong said,In the risk management will save for a rainy day,The real estate loan risk to keep fully alert,Increase the platform loan management strength,Strict management small business loan risks at the same time take strict precautions against case occurrence.

　　除了人事调整，在管理体制方面，中信银行也进行了一些完善工作。上半年，中信银行增设金融同业部和理财业务管理部，组建新的风险管理部牵头组织全面风险管理，单设授信审批部负责信贷政策制定和信用风险审查。

In addition to personnel adjustment,In the management system,Citic bank has also some perfect work.In the first half of,Citic bank additional financial trade department and finance business management department,Form a new risk management department lead organization comprehensive risk management,Single set credit examination and approval department shall be responsible for the credit policy and credit risk review.