在渤海之滨的山东省招远市,有一家被当地同业誉为“花旗式”的商业银行。这家银行从1988年成立起,累计放贷100多亿,收息率十年保持100%;到2003年底为止,近7亿元的信贷资产综合不良率仅为1%,支行连年盈利,2003年实现利润3100万元,近四年累计盈利逾亿元,在2002年9月全国中行系统827家县支行综合排名中,名列第三,它就是招远支行。在经营环境并不优越的县级市,如此优良的资产 In the Zhaoyuan City, Shandong Province, on the coast of the Bohai Sea, there is a commercial bank which is praised by local counterparts as “Citigroup ”. Since its establishment in 1988, the bank has lent a total of more than 10 billion yuan and the interest rate has remained 100% for a decade. As of the end of 2003, the comprehensive non-performing loan ratio of nearly 700 million yuan was only 1% The profit was 31 million yuan and the cumulative profit in the past four years was over 100 million yuan. In September 2002, the national bank system numbered 827 in the comprehensive ranking of the 827 counties and sub-branches, ranking the third, which is Zhaoyuan Branch. In the operating environment is not superior to the county-level cities, such a good asset