“嘉兴银行还需要更多的支行行长。 ”这是嘉兴银行董事长许洪明在接受中国经济时报记者采访时说的一句话。寥寥数语，却透出一个重要信息：嘉兴银行机构扩张已经跃上“快车道”。

  "Jiaxing bank also need more subbranch of a bank President. "This is the chairman of the board of directors XuHongMing in jiaxing bank to accept Chinese economic times reporter to interview a word.A few words,But give an important information:Jiaxing bank institution expansion has leap"Fast lane".

沉下去 sink

　　2012年9月13日，嘉兴银行王江泾支行正式开业。这是嘉兴银行自2009年8月洪合支行开业以来设立的第9家新市镇支行，也是今年开业的第4家新市镇支行。许洪明告诉记者，新市镇支行的快速发展得益于嘉兴市委市政府近年来实施的“1640”工程和嘉兴银行自身“城镇化”战略。

On September 13, 2012,Jiaxing WangJiangJing branch bank officially opened.This is jiaxing bank since August 2009 honghe branch established since the opening of the new town house of 9 branches,Also is this year opened the fourth house new town branch.XuHongMing told reporters,The rapid development of the new town branch from jiaxing municipal government in recent years of implementation"1640"Engineering and jiaxing Banks themselves"urbanization"strategy.

　　2009年，嘉兴市以确立为浙江省级统筹城乡综合配套改革试点区为契机，按照构建“1640”现代化网络型城市的要求（其中1和6分别指中心城市、5个副中心城市和滨海新城），选择了40个左右具有较强集聚和辐射能力的镇，作为统筹城乡发展战略节点的新市镇来培育。

In 2009,,In order to establish the jiaxing for zhejiang provincial coordination of urban and rural comprehensive reform predicaments as an opportunity,According to the construction"1640"Modern network city's request(Among them 1 and 6 respectively refers to the city center/Five deputy central cities and coastal city),Choose the forty or so strong concentration and radiation ability of the town,As the coordination of urban and rural development strategy of nodes to foster new town.

　　2010年嘉兴银行制定 “十二五”规划，明确将“城镇化”作为该行的发展愿景和特色之一。

In 2010 jiaxing for bank "1025"planning,Clear will"urbanization"As the development of the vision and one of the characteristics.

　　“城镇是经济发展腹地，也是小微企业相对集中的区域。目前全国城商行系统提"城镇化"的还不多，所以这是我们的特色，也一定要做扎实。 ”许洪明说道。

"Town is the hinterland of economic development,Is also small micro enterprise relatively concentrated area.At present the national city business system mention"urbanization"Still not,So this is our characteristics,Also be sure to do solid. "XuHong testified way.

　　他还表示：“党的十八大报告要求"未来十年城镇化质量明显提高，农业现代化和社会主义新农村建设成效显著。"这说明我们"沉下去"无疑是正确的。 ”

He also said:"The party's eighteen big reporting requirements"The next decade obviously improve the quality of urbanization,Agricultural modernization and new rural construction of socialism is effective."It shows that we"sink"Is undoubtedly correct. "

　　记者了解到，以2002年海宁支行成立为标志，嘉兴银行开始走出市区向县市发展。至2008年海盐支行成立，嘉兴银行在县市完成了第一轮布局。随后，该行立即开启了新市镇支行战略。预计到2012年底，嘉兴市域内的新市镇支行将超过10家。

The reporter understands,Established in 2002, haining branch for mark,Jiaxing bank began to emerge from the city to the development of counties.To 2008 sea salt branch established,Jiaxing bank in counties finished the first round layout.then,The bank immediately opened the new town branch strategy.Is expected by the end of 2012,Jiaxing in urban new town branch will be more than ten.

　　据了解，嘉兴银行的新市镇支行战略正好和一些国有大银行形成鲜明对比：前几年由于种种原因，部分国有银行纷纷收缩乡镇分支机构，而嘉兴银行则积极谋求 “沉下去”。如今有的国有银行又开始重视乡镇金融市场，但是却反而落在嘉兴银行后面。

It is understood,Jiaxing bank branch strategy of the new town just and some state-owned Banks form bright contrast:A few years ago for a variety of reasons,Part of the state-owned Banks have shrinkage township branch,And jiaxing Banks are actively seeking "sink".Now some state-owned Banks began to pay attention to township financial markets,But instead of jiaxing fall in behind the bank.

走出去 Go out

　　2011年6月28日，嘉兴银行湖州分行正式开业。这是嘉兴银行开设的第一家真正意义上的异地分支机构，也是嘉兴本土金融机构首次到市外设立分支机构。

In June 2011 and day,Jiaxing huzhou branch bank officially opened.This is jiaxing bank opened's first truly different branches,Jiaxing is local financial institutions outside the city for the first time to set up branches.

　　“这是嘉兴银行实施"区域化"战略、走向"长三角"的第一步，具有里程碑意义。 ”许洪明说道。他还告诉记者、全国的城商行就市场范围而言大致分为三种：全国型、区域型、社区型。嘉兴银行地处全国经济最活跃的长三角地区，因此将自己定位为“区域化”无疑有利于发挥最大优势。

"This is jiaxing bank implementation"regionalization"strategy/to"Long triangle"First step,A landmark. "XuHong testified way.He also told reporters/The city of the firm is the market in terms of scope roughly divided into three types:The type/OuYuXing/community.Jiaxing bank is located in the most dynamic economy in Yangtze river delta,Therefore itself as"regionalization"Undoubtedly conducive to give play to the greatest advantage.

　　短短一年间，湖州分行存款余额已经超过14亿元、贷款余额已经超过10亿元。长兴、安吉两个县级支行已经在筹备之中，织里等经济强镇的新市镇支行也已提上议事议程。2011年，由嘉兴银行作为主发起人发起设立的浙江浦江嘉银村镇银行和安徽歙县嘉银村镇银行也相继成立。尽管规模不算太大，但是这两个村镇银行当年即实现盈利，其中歙县嘉银村镇银行已经获准增设支行。

Just a year,Huzhou branch account balance is more than 1.4 billion yuan/Loan balance is more than 1 billion yuan.changxing/Anji two branch has been at or above the county level in the preparation of,The active economic strong town of new town branch has been put on the agenda.In 2011,,By jiaxing bank as the main sponsors of the established zhejiang pujiang fine silver village bank and anhui in shexian county fine silver town bank is established.Although the scale is not too big,But the two villages and towns in the bank to achieve profitability,The fine silver in shexian county town bank has allowed to add subbranch of a bank.

　　不久前，嘉兴银行“走出去”再传捷报：绍兴分行已经获准设立，而且进入了紧锣密鼓的开业准备阶段。

Not long ago,Jiaxing bank"Go out"The news of victory again:Shaoxing branch has been approved to be established,And entered in the midst of preparation of opening stage.

　　“从金融业总量看，嘉兴银行到了湖州和绍兴后，三个地区加起来差不多是"三个嘉兴"这就为嘉兴银行大大提升了发展空间。”许洪明说道。

"The total amount from the financial industry to see,Jiaxing bank in huzhou and after shaoxing,Three areas up almost"Three jiaxing"This is the jiaxing bank has greatly improved the development space."XuHong testified way.

　　下一步，嘉兴银行还将进一步在省内兄弟城市开设分支机构，并将择机向苏州、南京、上海等“长三角”经济重镇拓展。

The next step,Jiaxing bank also will further in the province brother city branch offices,And the timing to suzhou/nanjing/Shanghai"Long triangle"Economic town development.

　精耕细作 Intensive cultivation

　　记者注意到，在嘉兴银行董事会看来，增设分支机构的意义并不在于简单的“跑马圈地”，而更强调“精耕细作”。用许洪明的话说：“不仅要做大做强，而且要做深做透。 ”

Reporter noticed,The bank's board in jiaxing looks,Add the meaning of branch is not simple"Horse race turf",And more emphasis on"Intensive cultivation".With XuHongMing words:"Not only to do bigger and stronger,And to do deep do through. "

　　除了跨区域开办分行、增设新市镇支行，嘉兴银行还先后由总行牵头增设了个人金融服务中心、微贷业务中心等一系列增强服务功能的机构。这些机构的有效运作大大提升了嘉兴银行的品牌影响力。

In addition to set up branches across the region/Add new town branch,Jiaxing bank also has the lead head office have been added for the personal financial services centre/Micro credit business center and a series of enhance the service function of institutions.These institutions of the effective operation of jiaxing has greatly improved the bank's brand influence.

　　以微贷业务中心为例，这个成立于2011年4月的新部门创立了一种全新的管理和营销模式。通过独立的、专业化的人员招聘、培训标准流程和考核机制，培养了一支专业化从事微小企业金融服务的客户经理队伍，这些客户经理奉行着总行“客户无小不为，服务无微不至”的理念，采取“扫街式主动营销”模式，挨家挨户进行营销，目前扫街营销户数累计达10万余户。

With small credit business center as an example,This was established in April 2011 new department established a kind of brand-new management and marketing model.Through the independent/Professional personnel recruitment/Training standard procedure and evaluation mechanism,Cultivate a specialized is engaged in the small enterprise financial services customer manager team,These customer manager carries out the head office"The customer does not have the small not to,Service will"concept,take"Sweeping type active marketing"mode,Door to door on marketing,At present the sweeps marketing number amounted to more than 100000 households.

　　截至今年9月末，嘉兴银行已在8家支行设立了微贷业务部，业务受理范围覆盖嘉兴整个市域。一年来，微贷中心通过扫街新增客户1600多家，受理业务申请2717笔，累计发放贷款1644笔，累放金额2.26亿元，贷款余额1.05亿元。

So far this year and the end of the month,Jiaxing bank has set up a file in the eight sub-branches established micro credit department,Business scope covers the whole urban acceptance in jiaxing.A year,Micro credit center through sweeping new customers than 1600,Accept the business application 2717 pen,Accumulative total lending 1644 pen,LeiFang amount is 226 million yuan,Loan balance is 105 million yuan.

　　嘉兴银行行长马俊表示，该行计划三年内发展微小贷款客户4000户，累计发放贷款6亿元，贷款余额3亿元。同时建立健全一套可复制的标准化、流程化、模式化微贷服务模式。

Jiaxing bank President majun.i said,The bank plan three years development loan customers tiny 4000 households,Accumulative total loans 600 million yuan,Loan balance is 300 million yuan.At the same time, establish and improve a replicable standardization/routing/Modeled micro credit service mode.

　　除了通过正式机构延伸服务，嘉兴银行还探索通过多种渠道 “接地气”。以海宁支行为例，该行从2010年开始与多个镇政府或工业园区合作设立联络点，定期接待企业咨询。此举受到基层客户欢迎，也得到了银监等部门的肯定和支持。

In addition to formal institutions extension services,Jiaxing bank also explore through a variety of channels "Ground gas".In haining branch as an example,The bank since 2010 and the multiple or industrial park cooperation set up contact points,Regularly receive enterprise consultation.The move by the basic customer welcome,Also got silver prison and other departments of the affirmation and support.