青海银行党委书记、董事长： - bankqh · 2015. 3. 18. · 2. this annual financial...

青海银行党委书记、

董事长：

刚刚过去的 2011 年是极不平凡的一年。一年来，青海银行在省委、省政府的

坚强领导下，面对复杂多变的经营环境，日趋激烈的同业竞争，全行上下以科学发

展观为指导，以深入开展“创先争优”活动为主线，抢抓发展机遇，夯实经营基础，

扩大资产规模，增加经营成果，提升社会形象，取得了各项业务较快发展、经营效

益大幅提升的良好成绩，为青海银行在“十二五”期间实现跨越式的大发展奠定了

坚实的基础。

刚刚过去的 2011 年又是令人难忘的一年。我们圆满完成了第三次增资扩股工

作，彻底解决了长期困扰我行的贷款集中度问题，在为大力拓展业务铺平道路的同

时，极大提升了我行信贷总投放能力；发起设立了首家跨省村镇银行－宁夏中宁青

银村镇银行，为实施跨区域发展战略，扩大业务辐射范围，迈出了标志性的有力一

步；成立了省内第一家独立的小企业金融专营机构－青海银行小企业信贷中心 ,使

我行小企业业务步入了规范化、流程化和批量服务的轨道，实现了对小企业的一站

式、多功能服务。而且就是这一年，我们锐意进取、开拓创新，稳步实施了薪酬体

系改革，初步构建了“岗位靠竞争，收入凭贡献”的良好机制；深入根植全员营销

理念，大幅提升员工福利待遇，让全行员工切实感受到了分享发展成果的喜悦。

充满希望和期待的 2012 年，健康、快速发展仍是我们的必然选择，我们有

信心、有决心站在新的起点上，做大业务规模，做优资产质量，做强特色业务，

全力培植新的业务增长点。进一步解放思想，创新思路，把青海银行打造成区域

性特色精品银行。

百舸争流竞千帆，同心携手求发展。2012 年是我行经营全面提升和实现跨越

式发展的关键性一年。面对新形势、新挑战，我行将进一步优化公司治理，落实各

项科学发展举措，优化结构、创新发展，加快推进提升核心竞争力的各项战略举措，

为实现跨区域发展和企业价值最大化而不懈努力！

董事长致辞

The just past year 2011 is an extraordinary year. In the past 1 year, strongly led by the

provincial Party Committee and the provincial government, facing complicated and varied opera-

tion environment and severe peer competition, the bank adheres to the outlook of the scientific

development, deeply develops becoming the pioneer and cr eating the excellence , seizes the

development opportunity, paves the operation foundation, increases the asset scale, increases

operation achievements, improves the social image, acquires rapid business development and

sound increasing of operation benefits, which pave solid foundation for great-leap-forward de-

velopment of Bank of Qinghai in the Twelfth-Five-Year Plan .

The just past year 2011 is unforgettable year. We have completed the 3rd capital and share

increasing successfully, thoroughly solves the load centralization bothering the bank for a long

time; while expanding the business, improve the bank s total credit loan capabilities; sponsor

and establish the first trans-provincial township bank-Ningxia Zhongning Qingyin Rural Bank,

which steps forward for implementing the trans-regional development strategy, increasing the

business scope; establish the first independent small-corporate financial institution in the prov-

ince-small-corporate credit loan center of Bank of Qinghai to make the bank s small-corporate

business step into the standardized, flow and batch services, and realize one-stop and multi-

functional services for small corporate. In the year, we are enterprising and exploring, implement

the remuneration system reform and establish the sound mechanism of post fr om competition

and income from contribution ; deeply r oot all the staff s marketing concept, increase the staff s

material benefits and income and make all the staff enjoy the joy from the development.

In the hopeful and expecting year 2012, healthy and rapid development is our inevitable

choice. We are confident and determined to stand at a new starting point, increasing the busi-

ness scale, optimizing the assets quality and making the featured business stronger and rooting

new business increasing points. Liberate our thoughts, innovate thoughts and build Bank of Qinghai

into an excellent regional featured bank.

Hundreds of boats are competing, and we joint hands to seek development. The year 2012

is crucial for the bank s overall development and great-leap-forward development. Facing new

situations and new challenges, we will optimize the Company governing , put the scientific mea-

sures into practice, optimize structure, develop innovatively, speed up the strategic measures

for improving core competitiveness and make efforts to realize trans-regional development and

maximize corporate values!

The Party Committee Secretary and Chairman of Bank of Qinghai: Wang Li

Chairman’s Statement

2011 年度第一次临时股东大会于 2011 年 10 月 10 日召开，会议选举产生了青海银行四届董事会及四届监事会。

青海银行四届董事会成员组成：王丽（董事长）、郝立华、刘惠君、王伟明、王张兴、韦永萍、丁永杰、王作全（独立

董事）、李秉祥（独立董事）。

青海银行四届监事会成员组成：李锦军（监事长）、徐林义、王绍明、杨新艳、吴文好、苏爱兰、李得平。

The 1st session of the provisional conference of the shareholders assembly for the year 2011 was held on October

10, 2011, and the 4th session of board of directors and the 4th session of board of supervisors were selected at the

conference.

Composition of members of the 4th session of board of directors of Bank of Qinghai : Wang Li (President), Hao

Lihua, Liu Huijun, Wang Weiming, Wang Zhangxing, Wei Yongping, Ding Yongjie, Wang Zuoquan (independent director)

and Li Bingxiang (independent director).

Composition of members of the 4th session of board of supervisors of Bank of Qinghai : Li Jinjun (Supervisory), Xu

Linyi, Wang Shaoming, Yang Xinyan, Wu Wenhao, Su Ailan, Li Deping.

重要提示

1. 本公司董事会、监事会及董事、监事、高级管理人员保证本报告所载资料不存在任何虚假

记载、误导性陈述或者重大遗漏，并对其内容的真实性、准确性和完整性承担个别及连带

责任。

2. 本公司年度财务报告经青海大正会计师事务所有限公司根据中国审计准则审计，并出具了

无保留意见的审计报告。

3. 本年度报告已经本公司董事会审议通过。

4. 本公司行长丁永杰，财务机构负责人穆星莲保证年度报告中财务报告的真实、完整。

Important Notice

1. The Board of Directors, Board of Supervisors, Directors, Supervisors and senior offic-

ers of the Company guarantee that the Report contents do not contain any false records,

misleading statements or serious omissions and shall bear individual and several joint

responsibility for the authenticity, accuracy and completeness of the Report contents.

2. This annual financial report was audited by Qinghai Dazheng Certified Public Accoun-

tants Co., Ltd in accordance with China Auditing Standards who afterwards issued au-

dit report without reservation.

3. This annual report has been deliberation and passed by the Company s Board of

Directors.

4. The Company s president Ding Yongjiang and the Accounting Department leader Mu

Xinglian guarantee the authenticity and completeness of the Annual Financial Report.

�� !"#2-3Basic Information of the Company

�� !"#$�4-15Abstract of Main Financial Data

�� !"�#$%16-17Change of Capital Stock and the Shareholders

�� !"#$#%&'18-22

About the Directors, Supervisors, Senior Officers and Staff

�� !"#23-29Administration Status of the Company

�� !"#30-31Information of the Shareholders General Meeting

�� !"32-40Report of the Board of Directors

�� !"41-43Report of the Board of Supervisors

�� !44Important Matter

�� !45-54Financial Report

�� !"#$%&55-58The Branches of Bank of Qinghai

��

CONTENTS

2 青海银行股份有限公司

二零一一年度报告

基本情况简介

1、法定中文名称：青海银行股份有限公司

(简称：青海银行。下称“本公司”)

2、法定英文名称：BANK OF QINGHAI CO.,LTD.

(简称：BANK OF QINGHAI)

3、法定代表人：王丽

4、董事会秘书：王伟

联系电话：0971-8127128

传真：0971-6106152

电子邮箱：[email protected]

5、注册及办公地址：青海省西宁市黄河路 36 号

邮政编码：810001

联系电话：0971-8185270

传真：0971-8130361

客户服务热线： 400-888888-3

0971-96399

互联网网址：www.bankqh.com

6、信息披露方式：

刊登信息披露的报纸：《金融时报》

发布在本公司互联网网址：www.bankqh.com

年度报告备置地点：本公司董事会办公室

7、其他有关资料

本公司首次注册登记日期：1997 年 12 月 26 日

企业法人营业执照注册号：630000100009758

税务登记号码：税东字：630102710401554

聘请的会计师事务所名称：青海大正会计师事务所有限公司

办公地址：青海省西宁市西关大街 19 号

3BANK OF QINGHAI CO.,LTD.

ANNUAL REPORT 2011

1. Registered legal Chinese name: 青海银行股份有限公司

(Abbreviation: Bank of Qinghai. hereinafter called the Company )

2. Registered Legal English Name: BANK OF QINGHAI CO., LTD.

(Abbreviation: BANK OF QINGHAI)

3. Legal Representative: Wang Li

4. Secretary of The Board Of Directors: Wang Wei

Tel: 0971-8127128

Fax: 0971-6106152

E-mail: [email protected]

5. Registered Address and Office Address: No.36, Huanghe Road, Xining City, Qinghai Province

Post Code: 810001

Tel: 0971-8185270

Fax: 0971-8130361

Customer Service Hotline: 400-888888-3

0971-96399

Internet website:www.bankqh.com

6. The Way of Information Disclosure:

Newspapers of published information disclosure: FINANCIAL TIMES

Released at the Company s internet website: www.bankqh.com

Place for getting ready the annual report: Office of Board of Directors of the Company

7. Other Related Data

The company Initial Registration Date: December 26, 1997

Enterprise Legal Person Business License Registration No.: 630000100009758

Tax Registration Number: Shui Dong Zi : 630102710401554

Name of domestic Certified Accountants Engaged: Qinghai Dazheng Certified Public Accountants Co., Ltd

Office Address: No.19, Xiguan Street, Xining City, Qinghai Province

Basic information of the Company

4


主要财务数据摘要

青海银行股份有限公司


5




6




1、截止报告期末前三年主要财务数据

单位：千元币种：人民币

项目 2009 年 2010 年 2011 年

未分配利润总额 121,909 168,449 372,540

营业收入 575,802 807,634 1,466,280

投资收益 50,819 95,118 208,712

营业外收支总净额 10,825 5,082 -365

拨备前利润 217,692 294,288 587,490

净利润 117,692 167,988 406,129

所有者权益 699,020 1,036,889 3,201,987

每股收益 (元 ) 0.23 0.25 0.22

每股净资产 (元 ) 1.39 1.55 1.72

2、截止报告期末前三年补充财务数据


项目 2009 年 2010 年 2011 年

总资产 13,824,148 22,684,048 30,203,839

总负债 13,125,128 21,647,159 27,001,852

核心资本 68,513 1,031,682 3,167,304

附属资本 81,576 100,629 159,442

存款总额 12,822,922 20,920,190 25,148,702

其中：储蓄存款 3,501,038 4,075,158 4,614,176

同业拆入总额－－－

贷款总额 7,505,105 9,802,541 13,104,037

青海银行扶持的柴达木循环经

济示范区的重点示范项目－青海盐

湖佛照蓝科锂业股份有限公司。

T h e k e y d e m o n s t r a t i o n

project of Qaidam Circular Dem-

onstrat ion Zone suppor ted by

Bank of Qinghai － Qinghai Salt

Lake Fozhao Lanke Lithium Indus-

try Co., Ltd.

7




3、截止报告期末前三年补充财务指标

单位：% 币种：人民币

项目标准值 2009 年 2010 年 2011 年

不良资产率 ≤ 4% 1.83% 1.41% 0.95%

不良贷款比例 (五级分类 ) ≤ 5% 2.06% 1.98% 1.34%

单一集团客户授信集中度 ≤ 15% 82.81% 17.17% 10.89%

单一客户贷款集中度 ≤ 10% 65.61% 31.30% 9.98%

拨备覆盖率－ 154.5% 161.25% 250.08%

流动性比率 ≥ 25% 53.91% 54.86% 49.07%

存贷款比例 ≤ 75% 58.53% 46.86% 52.11%

资产利润率 ≥ 0.6% 0.96% 0.74% 1.54%

成本收入比 ≤ 35% 32.67% 28.12% 18.79%

净资产收益率－ 17.71% 19.36% 19.16%

资本充足率 ≥ 8% 12.29% 15.56% 23.07%

核心资本充足率 ≥ 4% 11.02% 14.20% 22.03%

4 、信贷资产五级分类情况

单位：千元、% 币种：人民币

五级分类金额占比

正常类 12,874,081 98.25

关注类 54,009 0.41

次级类 164,428 1.25

可疑类 9,789 0.08

损失类 1,730 0.01

合计 13,104,037 100

5、各类资产减值准备情况


项目金额

期初余额 345,245

报告期计提 181,361

收回以前年度已核销贷款 324

报告期核销 6,191

其他变动－

期末余额 520,739

注：当年计提各类资产减值准备181,341千元，其中当年计提贷款损失准备金127,251千元，计提资产减值准备金54,110千元；

当年核销信贷资产250千元，核销非信贷资产5,941千元；期末各类资产减值准备余额520,739千元，其中一般准备金期末余

额131,040千元，专项准备金期末余额308,962千元，非信贷资产减值准备期末余额80,736千元。

8




6 、前十名客户贷款额占贷款总额的比例

单位：万元、% 币种：人民币

客户名称贷款余额占贷款总额比例

青海省发展投资有限公司 33,000 2.52

西部矿业集团有限公司 30,000 2.29

青海省国有资产投资管理有限公司 30,000 2.29

青海省海东工业园区开发建设有限公司 29,900 2.28

青海省公路局 29,300 2.23

西宁市城市交通投资建设有限公司 27,000 2.06

青海省投资集团有限公司 26,000 1.98

青海甘河工业园开发建设有限公司 25,800 1.97

青海省高等级公路建设管理局 24,000 1.83

西宁海湖开发建设管理有限公司 20,000 1.53

合计 275,000 20.98

7、主要存贷款类别日平均余额及平均利率情况


类别日平均余额平均利率

短期和中长期贷款 1,079,139 6.73

企业存款 1,716,214 0.81

储蓄存款 406,423 1.60

青海省省长骆惠宁同志一

行在中国·青海结构调整暨投

资贸易洽谈会青海银行馆检查

指导工作。

The head o f Q ingha i

P r o v i n c e C o m r a d e L u o

Huining inspecting and offer-

ing guide at the Hall of Bank

of Qinghai at the Fair for Re-

s t ruc tu r ing in Q ingha i o f

China and Investment and

Trade.

9




8、期末不良贷款情况及采取的相应措施

报告期末，本公司各类贷款合计 13,104,037 千元，按照五级分类口径，正常类和关注类 12,928,090 千元，占比为

98.66%；后三类为 175,947 千元，占比为 1.34%，不良贷款率下降 0.64 个百分点。

本公司在解决和压缩不良贷款方面采取了多项积极举措：一是认真贯彻国家宏观调控政策，积极调整信贷投向，做好

行业风险分析和预警，积极介入符合国家发展规划的基本建设、节能、环保等项目，加快限制行业贷款退出力度，有效防

控系统性风险；二是继续做好到期还款、分期还款、市场退出等贷后管理工作，加强贷后监控和贷后检查力度，强化风险

预警，提前采取措施化解贷款风险；三是坚持谨慎分类和责任追究原则，避免风险累积或滞后反映；四是深化风险体制改

革，加大责任追究，优化风险管理系统各项功能，进一步提高风险意识；五是不断加大不良贷款清收处置力度，逐户制定

清收盘活措施，强化贷款核销和对已核销呆帐的催收；六是不断加大损失准备金计提力度，提足准备金。

9、抵债资产情况

单位：千元、% 币种：人民币

抵债资产种类抵债资产余额占抵债资产

总额比例

不动产类 262,368 98.58

权利 3,783 1.42

合计 266,151 100

10、主要表外项目余额情况


项目 2010 年末余额 2011 年末余额

承兑汇票 406,414 444,613

开出保函 625,024 632,236

开出信用证－ 283

11、资金交易主要情况

2011 年针对通货膨胀高企，国家不断出台宏观调控政策，从紧货币政策贯穿全年，资金市场价格持续高位运行的情况，

本公司牢牢把握机遇，及时调整思路，依托货币市场，加大资金运作，提高收入。全年实现资金业务收入 4.22 亿元，较上

年增加 2.11 亿元，增长一倍。

10




12、对外股权投资情况

报告期内，本公司发生新的对外投资项目。2011 年本公司以发起人身份投资 1500 万元发起设立了宁夏中宁青银村镇

银行，投资额占被投资单位股权比例 30%，为第一大股东。


对外投资项目年初余额年末余额投资额占比

大通国开村镇银行 460 460 4.60

宁夏中宁青银村镇银行 1,500 30

合计 460 1,960

2011 年 6 月 10 日，由青海银行发起设立的首家省外村镇银行－宁夏中宁青银村镇银行隆重开业，这标志着青海银行跨

区域发展迈出了实质性的步伐。

On June 10, 2011, the first ex-province rural bank sponsored by Bank of Qinghai － Ningxia Zhongning Qingyin

Rural Bank was opened, marking a substantial step for trans-regional development of Bank of Qinghai.

11

ANNUAL REPORT 2011

BANK OF QINGHAI CO.,LTD.

Abstract of Main Financial Data

1. By the end of the report period Principal financial data for last three years

Unit: thousand yuan Curr: RMB

Item Year 2009 Year 2010 Year 2011

Undistributed profits total 121,909 168,449 372,540

Operation Income 575,802 807,634 1,466,280

Investment Income 50,819 95,118 208,712

Net amount of non-business revenue10,825 5,082 -365

and expenditure

Pre-Provision Operating Profit 217,692 294,288 587,490

Net profit 117,692 167,988 406,129

Equity of owner 699,020 1,036,889 3,201,987

Earnings Per Share (Yuan) 0.23 0.25 0.22

Net assent per share (Yuan) 1.39 1.55 1.72

2. By the end of the report period supplement financial data for last three years


Item Year 2009 Year 2010 Year 2011

Total assets 13,824,148 22,684,048 30,203,839

Total Liabilities 13,125,128 21,647,159 27,001,852

Core capital 68,513 1,031,682 3,167,304

Supplementary Capital 81,576 100,629 159,442

Total deposit 12,822,922 20,920,190 25,148,702

Thereinto: Savings deposit 3,501,038 4,075,158 4,614,176

Inter-bank borrowing total amount －－－

total lending 7,505,105 9,802,541 13,104,037

12

ANNUAL REPORT 2011



3. By the end of the report period supplement financial data for last three years

Unit: % Curr: RMB

Item Standard value Year 2009 Year 2010 Year 2011

Badness asset ratio ≤ 4% 1.83% 1.41% 0.95%

Non-performing loan ratio(five categories) ≤ 5% 2.06% 1.98% 1.34%

Single group customer credit concentration ≤ 15% 82.81% 17.17% 10.89%

Single customer loans concentration ≤ 10% 65.61% 31.30% 9.98%

Provision coverage － 154.5% 161.25% 250.08%

Liquidity ratios ≥ 25% 53.91% 54.86% 49.07%

Loan/deposit ratio ≤ 75% 58.53% 46.86% 52.11%

Return on assets ≥ 0.6% 0.96% 0.74% 1.54%

Cost income than ≤ 35% 32.67% 28.12% 18.79%

Return on net assets － 17.71% 19.36% 19.16%

Capital adequacy ratio ≥ 8% 12.29% 15.56% 23.07%

Core Capital Adequacy Ratio ≥ 4% 11.02% 14.20% 22.03%

4. Condition of credit assets five categories

Unit: thousand yuan, % Curr: RMB

Five categories Amount Proportion

Normal 12,874,081 98.25

Interest 54,009 0.41

Secondary 164,428 1.25

Doubt 9,789 0.08

Loss 1,730 0.01

Total 13,104,037 100

青海银行积极服务地方经济

建设，图为给予信贷支持的青海俊

民化工有限责任公司厂区。

Bank of Qinghai act ively

se rves t he l oca l economic

building. The picture shows the

factory area of Qinghai Junmin

Chemical Industry Co., Ltd. with

credit support.

13

ANNUAL REPORT 2011



5. Depreciation reserve of the assets


Item Amount

Beginning balance 345,245

Counting and Drawing of report period 181,361

Withdraw previous fiscal years cancel after verification loans 324

Cancel after verification of report period 6,191

Other Variable －

Ending balance 520,739

Notes: The depreciation reserve of the assets in the current year is 181,341 thousand yuan; wherein, the loan loss reserve127,251 thousand yuan counted and drawn; the reserve fund for asset depreciation is 54,110 thousand yuan; chargeoff the credit asset in the current year 250 thousand yuan, and charge off non-credit asset 5,941 thousand yuan;balance of the asset depreciation reserve at the end of the period is 520,739 thousand yuan, balance of generalreserve fund is 131,040 thousand yuan, balance of special reserve fund at the end of the period is 308,962 thousandyuan and balance of depreciation reserve of non-credit asset at the end of the period is 80,736 thousand yuan.

6. Proportion of the top 10 clients’ loan in the total loan

Unit: Ten thousand yuan, % Curr: RMB

Proportion in

Customer name Loan balance the total loan

Qinghai Development Investment Co., Ltd. 33,000 2.52

Western Mining Group Co., Ltd. 30,000 2.29

Qinghai State-owned Assets Investment Management Co., Ltd. 30,000 2.29

Qinghai Haidong Industrial Park Development Construction Co., Ltd. 29,900 2.28

Qinghai Railway Administration 29,300 2.23

Xining Urban Traffic Investment Construction Co., Ltd. 27,000 2.06

Qinghai Investment Group Co., Ltd. 26,000 1.98

Qinghai Ganhe Industrial Park Development Construction Co., Ltd. 25,800 1.97

Qinghai High-grade Road Construction Administration 24,000 1.83

Xining Haihu Development Construction Management Co., Ltd. 20,000 1.53

Total 275,000 20.98

14

ANNUAL REPORT 2011



7. Daily average balance and average interest rate of main loan Category

Unit: Ten thousand yuan Curr: RMB

Category Daily average balance Average interest rate

Short-term and middle and long-term loan 1,079,139 6.73

Corporate deposit 1,716,214 0.81

Savings deposit 406,423 1.60

8. Non-performing loan at the end of the period and corresponding measures adopted

At the end of the period, the Company s loan in total is 13,104,037 thousand yuan, in accordance with the 5-level

classification specifications, the normal and concern types include 12,928,090 thousand yuan, with ratio of 98.66%;

the later 3 types include 175,947 thousand yuan, with ration of 1.34%, and the non-performing loan rate is reduced by

0.64%.

The Company adopts several active measures for solving and controlling non-performing loans: firstly, implement

the state macroscopic regulating policy, actively adjust the credit-loan orientation , make the industrial risk analysis and

alert, actively involve the fundamental construction, energy saving, environmental protection projects consistent with

the state development program,, accelerate the loan-exit strength in the restricted industries and effectively prevent the

systematic risks; secondly, continue to perform the due repayment, installment repayment, market exit and other after-

loan management, reinforce after-loan supervising and after-loan check strength, reinforce risk alert and adopt mea-

sures to decompose the loan risks; thirdly, adhere to the principles of cautious classification and liability investigation,

and avoid the risk accumulation or delayed feedback; fourthly, deepen the risk system reform, enhance the liability

investigation, optimize the risk management system functions and further improve the risk awareness; fifthly, increase

the strength for collecting the non-performing loans, formulate the liquidation measures one by one and reinforce the

loan write-off and the collection of the write-off bad debts; sixthly, increase the loss reserve counting and drawing

strength and draw sufficient reserve.

青海省委常务、省纪委书记仁青加

书记莅临青海银行检查指导工作。

The Standing Member of the Pro-

vincial Committee of Qinghai Province

and the secretary of the Provincial

Discipline Committee Ren Qingjia Vis-

i t ing Bank of Qinghai for offer ing

guidance.

15

ANNUAL REPORT 2011



9. Mortgaged assets situation


Balance of the Proportion of total

Types of mortgaged assets mortgaged assets mortgaged assets

Property 262,368 98.58

Rights 3,783 1.42

Total 266,151 100

10. Details of balance out of the statement


Balance at the end Balance at the end

Item of the year 2010 of the year 2011

Acceptance draft 406,414 444,613

Issued letter of guarantee 625,024 632,236

Issued letter of credit － 283

11. Main information of the fund transaction

In the year 2011, facing high inflation, the state issued the macroscopic regulating policy, with the tightened cur-

rency policy throughout the year. Under the high-level operation of the fund market price, the Company seizes the

opportunities, timely adjusts the thoughts, supported by the currency market, enhances the capital operation and in-

creases operation. The Company s fund business income is 422 million yuan, increasing by 211 million yuan than that of

the last year, which is doubled.

12. Situation of equity investment out of the company

During the reporting period, the Company incurred new foreign investment projects. In the year 2011, with the

identity of sponsors, the Company invested 15 million yuan to establish Ningxia Zhongning Qingyin Rural Bank, with

investment amount 30% of the invested body, and becomes the first largest shareholder.


Balance at the Balance at the Proportion in

Foreign investment project beginning of the year end of the year the investment

Datong Guokai Village Bank 460 460 4.60

Ningxia Zhongning Qingyin1,500 30

Rural Bank

Total 460 1,960

16


股本变动及股东情况


1、股本结构及变动情况

2011 年，本公司顺利完成了第三次增资扩股工作，股本结构发生了如下变化：

单位：千股、%

股东类型变动前本年增减变动后

数量比例 (+， -) 数量比例

国有股 191,000 28.47 +309,000 500,000 26.86

法人股 457,781 68.23 +881,500 1,339,281 71.95

个人股 22,110 3.30 0 22,110 1.19

股份总额 670,891 100 1,190,500 1,861,391 100

2、报告期末本公司最大十名股东持股情况

单位：千股、%

序号股东单位名称股份数占总股本比例

1 青海省国有资产投资管理有限公司 360,000 19.34

2 西部矿业集团有限公司 200,000 10.74

3 西宁伟业房地产开发有限公司 200,000 10.74

4 上海城市商业集团有限公司 180,000 9.67

5 西宁城市投资管理有限公司 140,000 7.52

6 攀华集团有限公司 110,000 5.91

7 苏州市相城区江南化纤集团有限公司 110,000 5.91

8 青海盐湖工业股份有限公司 100,000 5.37

9 德正资源控股有限公司 59,000 3.17

10 大连大显控股股份有限公司 55,000 2.96

合计 1,514,000 81.33

3、控股股东及实际控制人情况

本公司没有控股股东，第一大股东为青海省国有资产投资管理有限公司，代表青海省政府行使国有资产的管理权。

17

ANNUAL REPORT 2011


Change of Share Capital and Information ofShareholders

1. Structure of capital share and change situation

In the year 2011, the Company had finished the capital increasing and share expanding in the 3rd time, with share

capital structure changed as follows:

Unit: thousand share, %

Increase or

Before variation decrease of After variation

Shareholders type Quantity Percent this year(+,-) Quantity Percent

State-owned shares 191,000 28.47 +309,000 500,000 26.86

Legal persons shares 457,781 68.23 +881,500 1,339,281 71.95

Individual share 22,110 3.30 0 22,110 1.19

Total stock 670,891 100 1,190,500 1,861,391 100

2. Details of shareholding of the Company’s top 10 shareholders at the end of the reporting period

Unit: thousand share, %

Proportion in

Number of the total

No. Shareholder’s name shares share capital

1 Qinghai State-owned Assets Investment Management Co., Ltd. 360,000 19.34

2 Western Mining Group Co., Ltd. 200,000 10.74

3 Xining Weiye Real Estate Development Co., Ltd. 200,000 10.74

4 Shanghai Urban Commercial Group Co., Ltd. 180,000 9.67

5 Xining Urban Investment Management Co., Ltd. 140,000 7.52

6 Panhua Group Co., Ltd. 110,000 5.91

7 Suzhou Xiangcheng District Jiangnan Chemical Fiber Group Co., Ltd. 110,000 5.91

8 Qinghai Salt Lake Industry Co., Ltd. 100,000 5.37

9 Dezheng Resources Holdings Co., Ltd. 59,000 3.17

10 Dalian Daxian Enterprises Holdings Co., Ltd. 55,000 2.96

Total 1,514,000 81.33

3. Controlling shareholder and actual controllers

T h e C o m p a n y h a s n o c o n t r o l l i n g

shareholder, and the first largest shareholder

is Qinghai State-owned Assets Investment Man-

agement Co., Ltd., which performs the manage-

ment over the state-owned assets on behalf of

Qinghai Provincial Government.

18


董事、监事、高级管理人员和员工情况


1、董事

职务姓名学位学历及职称性别任职单位及职务

董事长王丽研究生

女青海银行党委书记、董事长高级经济师

董事郝立华硕士

男青海省国有资产投资管理有限公司党委书记、副总经理研究生

董事刘惠君博士

女西部矿业股份有限公司副总裁、财务总监高级会计师

董事王伟明大专

男西宁伟业房地产开发有限公司董事长高级工程师

董事王张兴 EMBA 男上海城市商业集团有限公司董事长

董事韦永萍大学

女西宁城市投资管理有限公司财务总监会计师

董事丁永杰大学

男青海银行行长高级经济师

独立董事王作全博士

男青海师范大学政法学院法学教授法学教授

独立董事李秉祥博士

男西安理工大学教授、财务处处长教授

2、监事

职务姓名学位学历及职称性别任职单位及职务

监事长李锦军大学

男青海银行监事长高级经济师

监事徐林义高中男青海三榆房地产集团有限公司董事长

监事王绍明高中男攀华集团有限公司副总经理

监事杨新艳大专女苏州市相城区江南化纤集团有限公司财务科长

监事吴文好研究生

男青海盐湖工业股份有限公司副总裁、财务总监、董事会秘书高级经济师

监事苏爱兰中专女青海省政府国有资产监督管理委员会副处级专职监事

监事李得平大专

男青海银行城中支行行长高级经济师

19


董事、监事、高级管理人员和员工情况


3、高级管理人员

职务姓名学位学历及职称性别

行长丁永杰大学、高级经济师男

副行长李发春研究生、高级经济师男

党委副书记王元太大学男

副行长孙晨光大学、高级经济师男

董事会秘书王伟大学、工程师男

行长助理翟建宁大学、经济师男

行长助理张俭平大学、经济师男

工会主席王昌生大学、经济师男

4、董事、监事及高级管理人员变更情况

报告期内，本公司董事、监事发生变更。

2011 年 4 月，孙立明同志辞去董事职务，2011 年度股东大会补选刘惠君同志为董事；2011 年 10 月，第三届董事会和

监事会任期届满，经 2011 年第一次临时股东大会选举产生了第四届董事会和监事会，董事会的组成人员由原来的 7 人增加

到 9 人，成员分别为王丽、郝立华、刘惠君、王伟明、王张兴、韦永萍、丁永杰、王作全、李秉祥；监事会组成人员由原

来的 5 人增加到 7 人，成员分别为李锦军、徐林义、王绍明、杨新艳、吴文好、苏爱兰、李得平。

5、公司员工情况

截止报告期末，本公司在册职工 916 人，其中在岗正式员工 772 人，本科及以上学历占 38.73%，具有中高级职称的员

工占 12.82%。公司内退员工 144 人。

青海省副省长高云龙等领导

看望青海银行一线职工。

T h e D e p u t y H e a d o f

Qinghai Province and other

leaders visiting the workers at

the front line workers.

20

ANNUAL REPORT 2011


About the Directors, Supervisors, SeniorOfficers and Staff

1. Directors

Degree, education

background and

Post Name technical title Sex Employer and title

Chairman ofWang Li

GraduateFemale

The Party Committee Secretary and

the board Senior economist Chairman of Bank of Qinghai

The Party Committee Secretary and

Director Hao LihuaMaster

MaleDeputy General Manager of Qinghai

Graduate State-owned Assets Investment

Management Co., Ltd

Director Liu HuijunDoctor

FemaleVice President and CFO of Western

Senior accountant Mining Co., Ltd.

Director Wang WeimingJunior college

MaleThe President of Xining Weiye Real

Senior engineer Estate Development Co., Ltd.

Director Wang Zhangxing EMBA MaleThe President of Shanghai Urban

Commercial Group Co., Ltd.

Director Wei YongpingUniversity degree

FemaleCFO of Xining Urban Investment

Accountant Management Co., Ltd.

Director Ding YongjieUniversity degree

Male President of Bank of QinghaiSenior economist

IndependentWang Zuoquan

DoctorMale

Law Professor of Political and Law

Director Law professor School of Qinghai Normal University

IndependentLi Bingxiang

DoctorMale

Professor and Head of Financial Sector

Director Professor of Xi an University of Sciences

青海银行立足区域经济发展，积极

助推我省将资源优势成功转化为经济效

益。图为青海银行支持的冶金行业－青海

华信冶炼有限公司厂区。

Bank of Qinghai focuses on the re-

gional economic development, and ac-

tively converts the advantageous re-

sources in the province into economic

benefits. The picture shows the factory;

area of Qinghai Huaxin Metallurgy Co.,

Ltd. of the metallurgy industry sup-

ported by Bank of Qinghai.

21

ANNUAL REPORT 2011



2. Supervisors

Degree, education

background and

Post Name technical title Sex Employer and title

ChiefLi jinjun

University degreeMale Supervisory of Bank of Qinghai

supervisor Senior economist

Supervisor Xu Linyi Senior high school MaleThe President of Qinghai Sanyu Real

Estate Group Co., Ltd.

Supervisor Wang Shaoming Senior high school MaleDeputy General Manager of Panhua

Group Co., Ltd.

Financial Sector Head of Suzhou

Supervisor Yang Xinyan Junior college Female Xiangcheng District Jiangnan Chemical

Fiber Group Co., Ltd.

GraduateDeputy President, CFO and secretary

Supervisor Wu WenhaoSenior economist

Male of the Board of Directors of Qinghai Salt

Lake Industry Co., Ltd.

Technical secondaryDeputy Divisional full-time supervisor of

Supervisor Su Ailanschool

Female Qinghai Provincial State-owned Assets

Supervision and Management Committee

Supervisor Li DepingJunior college

MaleHead of Chengzhong Barnch of Qinghai

Senior economist Bank

3. Senior officers

Degree, education background

Post Name and technical title Sex

President Ding Yongjie University degree, senior economist Male

Vice-president Li Fachun Graduate, senior economist Male

Vice Secretary of Party Committee Wang Yuantai University degree Male

Vice-president Sun Chenguang University degree, senior economist Male

Secretary of the Board of Director Wang Wei University degree, engineer Male

Assistant president Zhai Jianning University degree, economist Male

Assistant president Zhang Jianping University degree, economist Male

Labor union chairman Wang Changsheng University degree, economist Male

22

ANNUAL REPORT 2011



4. Changes of directors, supervisors and senior officers

During the reporting period, the Company s directors and supervisors incurred changes.

In April, 2011, Sun Liming resigned the title of director,

and Liu Huijun was by-elected as director in the sharehold-

ers general meeting of 2010; in October, 2011, the 3rd ses-

sion of the board of directors and the board of supervisors

were expired, the 4th session of board of directors and the

board of supervisors were elected by the first interim share-

holders general meeting of 2011. Number of members of

the board of directors is increased from 7 persons to 9

persons, which are Wang Li, Hao Lihua, Liu Huijun, Wang

Weiming, Wang Zhangxing, Wei Yongping, Ding Yongjie,

Wang Zuoquan and Li Bingxiang; number of members of the

board of directors is increased from 5 persons to 7 persons,

which are Li Jinjun, Xu Linyi, Wang Shaoming, Yang Xinyan,

Wu Wenhao, Su Ailan and Li Deping.

5. Information of the Company’s staff

Till the end of the reporting period, the Company s registered staff is 916 persons, 772 persons of whom are on-the-

job staff, 38.73% of whom have undergraduate or above academic background and 12.82% of whom have intermediate

or senior technical titles. The Company s internal retirement staff is 144 persons.

22 BANK OF QINGHAI CO.,LTD.

23


公司治理状况


1、公司治理概况

本公司自成立以来，严格遵守《中华人民共和国公司法》、《中华人民共和国商业银行法》以及《股份制商业银行公司

治理指引》等相关法律法规，结合本公司实际情况，不断完善公司治理结构，法人治理结构逐步完善。

(1) 完善公司治理基础性制度

报告期内，本公司根据最新监管要求和

自身发展需要，不断完善公司治理的基础性

制度建设。年初及时组织修订了《青海银行

业务授权管理办法》，进一步规范了业务经营

活动中的授权管理活动；下半年，根据银监

会下发的《关于中国银行业实施新监管标准

的指导意见》制订了切实可行的达标实施规

划，为今后五年本公司监管指标的持续稳定

提出了可行性的方案。

(2) 关于股东和股东会

2011 年，第三次增资扩股工作的圆满完

成为本公司引入了 6 家新股东，扩充了公司

的股东队伍，但本公司仍没有控股股东。本

公司严格按照《青海银行章程》和《股东大

会议事规则》的规定召开股东大会，确保所

有股东，特别是中小股东享有平等地位。同

时，公司建立健全了与股东沟通的有效渠道

和机制，积极听取股东的意见和建议，确保

全体股东享有对公司重大事项的知情权、参

与权和表决权，充分行使股东的合法权利。

报告期内，本公司召开了 2010 年度股东大会和 2011 年第一次临时股东大会。公司按照公司章程和《股东大会议事规

则》等规章制度履行法律程序，保证了股东参会并行使表决的权利。

(3) 关于董事和董事会

本公司第三届董事会任期届满后选举产生的第四届董事会由原来的 7 人增加到 9 人，其中独立董事 2 人，分别为法律和

财务方面的专家。全体董事均为自然人，董事的任职符合《中华人民共和国公司法》、《中华人民共和国商业银行法》及中

国银监会的规定，具备履行职责所必需的知识和素质，任职资格均通过青海省银监局审核同意。

报告期内，本公司召开董事会会议 25 次，审议并表决 50 项议题。董事会在决策、授权和表决时严格按照法律法规和

公司章程的规定进行，各位董事积极履行职责，认真出席会议并审议关系公司发展的重大事项，恪尽职守、勤勉尽责，切

实维护了公司、股东和其他利益相关人的合法权益。

本公司董事会下设战略发展委员会、风险管理与关联交易控制委员会、薪酬与考核委员会、审计委员会。

中国银监会监管二部蔡江婷一行莅临青海银行玉树州分行检查指导工作。

Cai Jiangting, from the 2nd Supervision Sector of China Banking Regu-

latory Committee Visiting Yushu Prefecture Branch of Bank of Qinghai for

offering guidance.

24


公司治理状况


(4) 关于监事和监事会

本公司第四届监事会由 7 名监事组成，其任职资格和选聘程序均符合公司章程和相关法律法规的要求。报告期内，监

事会召开 4 次会议，审议并表决 15 项议题。全体监事均能认真履行工作职责，维护股东、公众、公司和员工的利益，忠实

履职，规避风险，强化监督，规范运行，努力建立科学有效的监督机制，加强组织体系建设和制度建设，进一步发挥监事

会的监管职责。

监事会下设审计委员会。

(5) 关于信息披露和投资者关系管理

报告期内，本公司严格遵守银监会下发的《商业银行信息披露办法》及本公司制定的《信息披露管理办法》的规定，

规范日常信息披露工作。及时、准确、真实、完整的披露本公司年度报告、本公司的各项重大信息、有关股东大会的信

息，确保所有的股东有平等的机会获得信息，切实维护所有股东尤其是中小股东的利益。年度报告单行本向政府机关、监

管机构、主要股东和重要客户发送，保证了重大信息披露的及时性、准确性、完整性和合法性。

同时，本公司设立专门的部门接待股东的来电、来函、来访和咨询，主动与投资者联系，增进广大投资者对本公司的

了解和信任，树立本公司诚信、稳健、规范的良好市场形象。

2、公司经营决策体系

股东大会是本公司的最高权力机构，通过董事会、监事会进行决策、管理和监督；董事会是公司的决策机构，负责公

司重大事项的决策；监事会是公司的监督机构，负责对监事会和高级管理层进行监督；高级管理层是公司的执行机构，依

法组织开展各项经营管理活动，并接受董事会领导和监事会监督。本公司实行一级法人体制，各分支机构均为非独立核算

单位，其经营管理活动根据总行授权进行，并对总行负责。

本公司无控股股东及实际控制人。本公司与大股东在业务、人员、资产、机构、财务五方面完全独立。本公司为自主

经营、自负盈亏的独立法人，具有独立、完整的业务及自主经营能力。

3、公司分支机构

本公司下设三家省内分行、七家管理行、一家直属支行、一家营业部、三十九家二级支行，共五十一个营业网点。

4、公司组织机构图 (见下页 )

25


公司治理状况


26

ANNUAL REPORT 2011

Information of the Company’s Governing


1. Information of the Company’s governing

Since foundation of the Company, strictly observing the Law of the People s Republic of China on Company, Law of

the People s Republic of China on Commercial Banks, Guide to Governing of Stock Commercial Bank Company and etc.

and in combination with actual situations of the Company, the Company perfects the Company s governing structure,

and the juristic person governing structure.

(1) Perfect the fundamental system for Company governing

During the reporting period, in accordance with the latest supervision requirement and its own development demands,

the Company constantly perfects the fundamental system building for the Company s governing. At the beginning of the

year, revise the Management for Business Authorization of Bank of Qinghai and further standardize the authorization

management in the business operation activities; in the second half of the year, in accordance with the Guide to the New

Supervision Standard in the Banking Industry of China issued by the Bank Regulatory Committee of China, formulate

feasible conformity implement plan and offer feasible proposal for the Company s supervision indexes in the following 5

years.

(2) Shareholders and shareholders meeting

In the year 2011, successful completion of the 3rd time of capital increasing and share increasing introduces 6 new

shareholders to the Company and expands the Company shareholders team; however, the Company has no controlling

shareholders. The Company convenes the shareholders general meeting strictly in accordance with the Articles of

Association of Bank of Qinghai and Rules of Procedures for general meeting of shareholders to assure all shareholders,

in particular the middle and small shareholders equal status. Meanwhile, the Company establishes and perfects the

effective channel and mechanism with the shareholders, actively listens to the shareholders opinions and suggests and

ensures that all shareholders enjoy the knowing, participating and voting rights over the Company s key issues to per-

form the shareholders legal rights.

During the reporting period, the Company convenes the shareholders general meeting of 2010 and the first interim

shareholders general meeting of 2011. The Company performs the legal procedures in accordance with the Articles of

Association and Rules of Procedures for General Meeting and ensures that the participating shareholders to perform the

voting rights.

(3) Directors and board of directors

Upon expiry of the 3rd session of the Company s board of directors, the number of members of the 4th session of

board of directors is increased from 7 persons to 9 persons, 2 persons of whom are independent directors, who are

experts of law and finance. All directors are natural persons, and appointment of the directors shall be consistent with

rules in Law of the People s Republic of China on Company, Law of the People s Republic of China on Commercial

Banking and rules of the China Bank Regulatory Committee, with required knowledge and character for performing

duties, and the appointment qualification shall be reviewed and consented by the Banking Regulatory Administration of

Qinghai Province.

27

ANNUAL REPORT 2011



During the reporting period, the Company convened 25 times of meeting of the board of directors, reviewed and

voted 50 issues. The Board of Directors performed strictly in accordance with laws and the Articles of Association in

decision-making, authorization and voting, attended the conference and reviewed crucial issues related to the Company s

development, dutiful and diligent, and maintained legal rights and interests of the Company, shareholders and other

pertinent persons.

The Company s board of directors is provided with strategic development committee, risk management and related

transaction control committee, remuneration and assessment committee and audit committee.

(4) Supervisors and board of supervisors

The Company s 4th session of the board of supervisor is comprised of 7 supervisors, and the appointment qualifica-

tions and election procedures shall be consistent with the Articles of Association and related laws. During the reporting

period, the board of supervisors convened 4 conference, reviewed and votes 15 issues. All the supervisors can perform

2011 年 5 月 11 日，青海银行隆重举行小企业信贷中心开业暨签约仪式，这标志着省内第一家离行式多功能

小企业专营机构投入运行，同时也标志着青海银行在探索新的存贷款经营模式、风险控制、担保方式、利率定价、

审贷机制、还款方式、问责制度、激励机制等方面迈出了坚实的步伐。青海省副省长高云龙、副秘书长吴庆生、

青海省金融工作办公室主任鸟成云、青海省银监局纪委书记葛玉修等出席了开业仪式。

On May 11, 2011, Bank of Qinghai launched the opening and signing ceremony for the middle and small-

sized enterprise credit center, marking that the first off-bank multifunctional small enterprise operation put into

operation in the province and stepping into new depositing and loan operation mode, risk control, guarantee

means, interest rate pricing, loan review mechanism, repayment, accountability system, excitation mechanism

and etc. by Bank of Qinghai. The Deputy Head of Qinghai Province Gao Yunlong, the Deputy Secretary Gen-

eral Wu Qingsheng, the Director of the Financing Office of Qinghai Province Niao Chengyun and the Sectary of

the Discipline Inspection Committee of the Banking Regulatory Commission of Qinghai Province Ge Yuxiu and

etc. attending the opening ceremony.

28

ANNUAL REPORT 2011



the work duties, maintain rights and interests of shareholders, the public, the Company and staff, dutiful and avoiding

risks, reinforces supervision, standardizes operation and spares no efforts in establishing scientific and effective super-

vision mechanism, reinforces the organization system building and system building and performs the supervision re-

sponsibilities of the board of supervisors.

The board of supervisors is provided with audit committee.

(5) Information disclosure and management over investors’ relationship

During the reporting period, the Company strictly observes the Information Disclosure Method of Commercial Banks

issued by China Banking Regulatory Committee and the Company s formulated Information Disclosure Management to

standardize the daily information disclosure. Disclose the Company s annual report timely, accurately, authentically and

completely, the Company s key information, information related to the shareholders assembly, ensure that all sharehold-

ers can obtain information equally and maintain the shareholders in particular to the middle and small shareholders

rights and interests. Offprint of the annual report is sent to the governmental authorities, supervision body, major share-

holders and key clients to assure timeliness, accuracy, completion and legality of key information.

Meanwhile, the Company is provided with special depar tment to receive shareholders incoming cal ls,

correspondences, visiting and consultation, actively contact the investors to reinforce their knowing and trusting about

the Company and establish the Company s faithful, stable and standardized market images.

2. The Company’s decision-making system

The general meeting of shareholders is the Company s top power body, which performs decision-making, manage-

ment and supervision through the board of directors and board of supervisors; the board of directors is the Company s

decision-making body, responsible for making decisions for the Company s key issues; the board of supervisors is the

Company s supervision body, responsible for supervising the board of directors and senior management; the senior

management is the Company s executing body, performs operation activities in accordance with laws and accepts the

leadership from the board of directors and supervision from the board of supervisor. The Company performs level － 1

juristic person system, the branches are non-independent settlement bodies, and the operation management activities

are carried out in accordance with the authorization by the head bank, responsible to the head bank.

The Company has no controlling shareholders and actual controller. The Company is independent from the major

shareholders in respect of business, staff, asset, body and finance. The Company is independent juristic person operat-

ing independently and suffering from profits and losses, and has independent, complete business and self-supported

operation capabilities.

3. The Company’s branches

The Company is provided 3 in-province branches, 7 management branches, 1 directly affiliated branch, 1 business

sector, 39 level － 2 branches, and 51 business divisions in total.

4. The Company’s organization chart (see the page below)

29

ANNUAL REPORT 2011



30


股东大会情况


报告期内，本公司分别召开了 2010 年度股东大会和 2011 年第一次临时股东大会。

1、 2010 年度股东大会召开情况

2011 年 3 月 22 日，本公司董事会以公告的方式将《关于召开青海银行 2010 年度股东大会的通知》刊载于《青海日报》。

2011 年 4 月 11 日，本公司召开青海银行 2010 年度股东大会。出席此次会议的股东及股东代理人所代表的股份数共计

649,637,437 股，占公司总股本的 96.83%，符合《中华人民共和国公司法》和本公司公司章程的相关规定。

会议以记名投票的方式审议通过以下议案：《青海银行董事会 2010 年度工作报告》、《青海银行监事会 2010 年度工作

报告》、《青海银行 2010 年度财务决算及 2011 年度财务预算报告》、《青海银行 2010 年度利润分配方案》、《关于变更注册

资本的议案》、《关于补选青海银行第三届董事会的议案》、《关于对董事会授权的议案》等。

2、 2011 年第一次临时股东大会召开情况

2011 年 9 月 16 日，本公司董事会以公告的方式将《关于召开青海银行 2011 年第一次临时股东大会的通知》刊载于《青

海日报》。

2011 年 10 月 10 日，本公司召开青海银行 2011 年第一次临时股东大会。出席此次会议的股东及股东代理人所

代表的股份数共计 1,840,945,955 股，占公司总股份额的 98.90%，符合《中华人民共和国公司法》和本公司公司章程的

相关规定。

会议以记名投票的方式审议通过以下议案：《青海银行第三届董事会履职报告》、《青海银行第三届监事会履职报告》、

《关于变更青海银行注册资本的议案》、《关于修改青海银行章程的议案》、《关于投资组建村镇银行的议案》、《关于选举第

四届董事会董事的议案》和《关于选举第四届监事会监事的议案》。大会选举产生了第四届董事会及第四届监事会。

格尔木分行流动银行为偏远

地区客户提供金融服务。

The circulat ing bank of

Golmud offering financing ser-

vices to customers in distant

areas.

31

ANNUAL REPORT 2011


Information of the Shareholders’ GeneralMeeting

During the reporting period, the Company convened the shareholders general meeting of 2010 and the first interim

shareholders general meeting of 2011.

1. Convening of the shareholders’ general meeting of 2010

On March 22, 2011, the Company s board of directors issued the Notice on Convening the shareholders general

meeting of 2010 of Bank of Qinghai on Qinghai Daily.

On April 11, 2011, the Company convened the shareholders general meeting of 2010 of Bank of Qinghai. The

attending shareholders and shareholders agents represented 649,637,437 shares in total, which is 96.83% of total

share capital in the Company, consistent with the Law of the People s Republic of China on Company and the Company s

Articles of Association.

The Conference reviewed and passed the following proposals via open ballot: Working Report of Board of Directors

of Bank of Qinghai for the Year 2010, Working Report of Board of Supervisors of Bank of Qinghai for the Year 2010,

Financial Final Settlement of Bank of Qinghai for the Year 2010 and Financial Budget Report for the Year 2011, Profit

Distribution Proposal of Bank of Qinghai for the Year 2011, Proposal on Change of the Registered Capital, Proposal on

By-election of the 3rd Session of Board of Directors of Bank of Qinghai , Proposal on Authorization by the Board of

Directors and etc.

2. Convening of the first interim shareholders’ general meeting of 2011

On September 16, 2011, the Company issued the Notice on Convening the first interim shareholders general meet-

ing of 2011 on Qinghai Daily.

On October 10, 2011, the Company convened the first interim shareholders general meeting of 2011. The attending

shareholders and shareholders agents represent 1,840,945,955 shares, which is 98.90% of the total shares, which is

consistent with the Law of the People s Republic of China on Company and the Company s Articles of Association.

The Company reviewed and passed the following proposals in open ballot: Performance Report of the 3rd Session of

the Board of Directors of Bank of Qinghai, Performance Report of the 3rd Session of the Board of Supervisors of Bank of

Qinghai, Proposal on Change of Registered Capital of Bank of Qinghai, Proposal on Amendment to Articles of Associa-

tion of Bank of Qinghai, Proposal on Establishment of Township Bank, Proposal on Election of Directors of the 4th Session

of Board of Directors, Proposal on Election of Supervisors of the 4th Session of Board of Supervisors. The conference

elects the 4th session of the Board of Directors and the 4th session of the Board of Supervisors.

32


董事会报告


1、 2011 年总体经营情况回顾

报告期内，本公司在省委、省政府的正确领导下，在人民银行、银监部门的大力支持和有效监管下，坚持以科学发展

观为指导，抢抓机遇，锐意进取，团结高效，奋力开拓，积极落实提升本公司核心竞争力的各项战略举措，取得了令人欣

喜的新成绩，为“十二五”规划开了个好局。

主要经营指标完成情况。2011 年末，本公司资产总额 3,020,384 万元，比年初增加 751,979 万元，增长 33.15%，完

成计划的 156.02%；各项存款达到了 2,514,870 万元，较年初增加 422,851 万元，增长 20.22%，完成计划的 97%；各

项贷款余额达到了 1,310,404 万元，比年初增加了 330,150 万元，增长 33.68%，完成计划的 100.8%；实现拨备前利润

58,749 万元，同比增加 29,320 万元；实现净利润 40,612.9 万元，比上年增加 23,814 万元，增长 141.68%，完成计划

的 156.02%。各项监管指标持续向好，在年内大幅增资的情况下，净资产收益率 19.16%，比上年减少了 0.2 个百分点，

完成计划的 160%；资本充足率 23.07%，比上年提升了 7.51 个百分点；拨备覆盖率达到 250.08%；不良贷款率 1.34%，

比上年又下降 0.64 个百分点。

2、 2011 年董事会工作回顾

2011 年是本公司董事会工作继往开来的一年，也是发展战略实现重大突破的一年。报告期内，董事会主要抓了以下四

方面的工作：

(1) 战略目标顺利推进。2011 年，

董事会认真贯彻落实了增资扩股、跨区

发展等一系列战略决策，取得了明显成

效，为全行改革发展注入了不竭的动力

和活力。一是实施并圆满完成了第三次

增资扩股，不仅一举解决了困扰本公司

多年的贷款集中度问题，使各项监管指

标第一次全面达标，更为本公司未来 3

－ 5 年的发展奠定了坚实的资本基础。

二是发起设立首家省外村镇银行－宁夏

中宁青银村镇银行，迈出了本公司跨省

发展的第一步。三是创新设立了我省首

家离行式多功能小企业专营机构－小企

业信贷中心，在探索新的存贷款经营模

式、风险控制、担保方式、利率定价、

审贷机制、还款方式、问责制度、激励

机制等方面迈出了坚实的步伐，为今后

设立各类专营机构积累了经验，打好了

基础。

(2) 董事会顺利换届。随着三届董

事会的任期届满和第三次增资工作的圆

满完成，本公司董事会继续坚持多数董

事由股东推举的原则，通过筹备 2011 年

青海银行自成立以来，一直致力于支持地方经济发展，不断增加对周边地方经济

发展的投入力度，为地方经济发展做出了应有的贡献。图为青海银行扶持的国家

科技支撑重点项目－平安鑫海资源开发有限公司。

Since the foundation, Bank of Qinghai has been engaging in supporting the

local economic development, increasing investment on the surrounding local

economic development and contributing to the local economic development.

The figure shows the state key supported project supported by Bank of Qinghai

－ Ping an Xinhai Resources Development Co., Ltd.

33


董事会报告


第一次临时股东大会，选举产生了新一届董事会成员。根据业务发展的需要，第四届董事会新增了 2 名董事，董事人数达

到 9 人，进一步壮大了决策队伍。同时，为进一步加强独立董事的职能，在保持第三届董事会 1 名法律专家任独立董事的

基础上，又引进 1 名财务专家担任独立董事，改善了董事会的专业组织结构。第四届董事会全体成员任职资格均已获得监

管机构的审核批准，新当选的董事具有较高的管理水平、较强的专业能力、较好的议事意识。三、四届董事会的顺利换届，

使得本公司有力的决策体系和有效的监督体系得以持续，为各项业务的持续增长打下了长期、稳定、良好的公司治理基础。

(3) 经营效益大幅增加。2011 年本公司一个显著的经营亮点是在极其复杂的发展环境和国家从严的货币政策下，实现

了经营效益的大幅提升。在历史最高的存款准备金时期和信贷投放规模限制面前，本公司积极调整信贷投放结构，在扩大

信贷规模上求突破的基础上，不断创新思路，充分运用金融资产配置工作盘活存量贷款，确保了在从严的货币政策下，贷

款投放速度不减，增量不降，也保证了收入的稳定增长。同时，充分利用货币市场利率上扬的时机，多渠道运用闲置资金，

进一步提高综合收益水平，实现了收入的多元化增长，全年资金经营收入达到 4.22 亿元，有效支持了净利润的快速增加。

全年实现净利润 4.06 亿元，每股收益达到 0.22 元，净资产收益率达到 19.16%，实现了收益与资本的同步增长，资产经营

能力再上新台阶。

(4) 风险防范效果明显。在严峻的宏观经济形势下，董事会自始至终担负风险管控的最终责任。一是加强风险政策的

指导和落实，持续向经营管理层下达风险管控的指导性意见，并针对不同领域和重点客户，向经营管理层提出了增强全程

风险监控的具体要求，强化了董事会对业务经营的风险管控和导向功能，使风险管理工作贯彻于各项业务经营活动中，提

高了董事会风险管理工作的深度和广度，促进了风险管理水平的进一步提升；二是从提高风险防控基础能力入手，上半年

按计划完成了增资工作，在资本层面筑起了抗风险的最后堤坝。同时，根据盈利能力的提升和监管机构的要求，不断加大

损失准备计提力度，2011 年共计提各类资产减值准备金 1.8 亿元，拨备覆盖率达到 250.08%。三是抓住重点突出问题，董

事会多次会商研究，指导成立专门工作机构，通过多种有效方法，在上半年结束前基本完成了对张氏集团不良贷款的清收

保全工作，为最终解决这一问题奠定了基础，也从根本上缓解了特殊经济环境下不良贷款反弹的压力；四是严格按照监管

部门要求，结合发展实际，继续内控和案防制度活动的深入开展，督促经营管理层定期开展案件风险排查，实现了全年“零

案件”的目标。

3、董事会日常工作情况

(1) 董事会会议召开情况

报告期内，董事会共召开 3 次现场会，22 次通讯会，共审议表决议题 50 项，董事会在职权范围内决策了一系列重要事

项，有力地推动了青海银行各项业务的发展。全体董事均能认真出席会议并审议各项议案，勤勉尽职，有效发挥决策职能，

维护全体股东和公司整体利益。

(2) 董事会对股东大会决议的执行情况

2010 年度股东大会审议通过“按净利润的 10% 提取法定盈余公积 1,679.88 万元、以可分配利润的 30% 计提一般风险

准备 7,219.26 万元和以 67,089.10 万股股份为基数，每股派发现金红利 0.1 元 (含税 )共计 6,708.91 万元”的利润分配方案，

上述法定盈余公积、一般风险准备金计提和股利派发工作已完成。

2011 年第一次临时股东大会审议通过的《关于选举第四届董事会董事的议案》和《关于选举第四届监事会监事的议案》

得到贯彻落实，选举产生的第四届董事会成员和第四届监事会成员的任职资格已获青海银监局核准通过，各位董事和监事

均已按时到岗。

34


董事会报告


4、 2011 年度利润分配方案

经青海大正会计师事务所审计后确认，2011 年本公司实现净利润 40, 612. 9 万元，基本实现了在资本快速增长的同时，

效益的同步提高。根据有关法律法规和本公司章程的规定，对 2011 年税后利润作以下分配：

(1) 按照 2011 年度审计后的净利润的 10％提取法定盈余公积，共提取 4,061.29 万元；

(2) 按照财政部规定，从可分配利润中计提一般风险准备 8,941.16 万元；

(3) 以 186,139 万股股份为基数，每股派发现金红利 0.1 元 (含税 ) ；

(4) 本年及以前年度留存未分配利润留存供以后年度分配。

5、 2012 年董事会工作计划

(1) 2012 年主要经营目标为：

各项存款余额达到 300 亿元，增长 19.29%；

实现净利润 6.6 亿元，增长 63%；

净资产收益率超过 17%；

不良贷款率控制在上年水平以内 (≤ 1.34%)。

(2) 2012 年的主要任务

① 继续促进公司治理的完善

2012 年，董事会要通过继续完善相关的规章制度和持

续推进自身履职水平的提高，做到对影响公司发展的重大事

项及时、科学的决策。经营管理层充分利用多种渠道保证董

事会全面、快速地掌握经营情况和重大战略发展目标的实施

进程。董事会将与党委、监事会密切配合，在人员配备上、

机制建设上进一步提升经营管理层的整体力量，从根本上落

实高级管理人员对经营目标的责任，力保经营目标的实现。

② 严控复杂形势下的风险因素

2012 年，继续发挥本公司董事会在风险管控中的核心、指导作用和重要监督责任，重点加强行内信贷流程的建设和完

善，加强流动性风险的监测和管理。在保证自身风险防范能力较强的前提下，对现有客户群体进行梳理，对与国家宏观经

济调控政策有较大关联的高耗能、有色金属、房地产、水泥及地方政府融资平台等行业，提前理清风险防范的思路和底线，

做好风险防范应急响应措施，继续提足准备，根据经济发展形势和调控步伐的快慢，适度进行减贷、退出等风险减量准备，

保证风险可控的底线不突破，促进各项业务平稳增长。

③ 加快经营基础工作建设

在宏观经济形势更加复杂和监管政策趋严的双重压力下，2012 年董事会要坚定不移地加快战略发展目标的落实，使战

略目标的实施成为推动业务发展的强大动力。一是全面启动新一代核心业务系统的建设工作，从根本上提高业务发展的硬

实力；二是进一步加强小企业中心的作用，在体制与机制上给予充分的保障，适应国家支持中小企业和民营经济的发展要

求，逐步将小企业中心打造成为本公司的一块金字招牌和利润中心；三是不遗余力地推动分支机构建设工作，提前做好省

35


董事会报告


2011 年是玉树州灾后重建的关键一年，青海银行积极响应省委、省政府的号召，积极投入到玉树重建中

去，2011 年发放重建贷款 29 笔，累计投入资金 1806 万元，为玉树灾后重建提供了充分的金融支持。图为重

建中的新校舍。

The year 2011 is a key year for reconstruction of Yushu Prefecture after the earthquake disaster. Actively

responding to answering by the Provincial Committee and the Provincial Government, Bank of Qinghai actively

engaged in the reconstruction of Yushu, issued 29 pieces of reconstruction loas with total amount of 18.06

million yuan, which offers sufficient financial support for reconstruction of Yushu after the earthquake disaster.

The figure is the new school building under reconstruction.

内主要经济发展区域和省外经济承接带地区机构建设的前期准备工作。继续开展对现有机构的优化重组，提高机构建设标

准，在功能上进一步改进，在形象上进一步提升，在服务上进一步完善。

④ 增加多元化收入渠道

国家连续出台的信贷投放规模限制政策迫使银行业要逐步转变依靠传统业务获取绝大部分收入的经营理念。因此，2012

年本公司要在巩固传统信贷业务市场份额的基础上，继续积极拓展盈利渠道，加大银行间融资市场的资金运作，创新和引

进多种金融产品，促进收入的多元化，确保股东权益的最大化。进一步提升存款的考核比重，持续强调“存款立行”的经

营方针，力争存款市场份额的稳中有升，为收入多元化提供充足的资金支持。

36

ANNUAL REPORT 2011

Report of the Board of Directors


1. Review of the general operation in the year 2011

During the reporting period, correctly led by the provincial Party committee and the provincial government, power-

fully supported and effectively supervised by the people s bank and bank regulatory committee, the Company adheres

to the outlook of scientific development, seizes opportunities, marches forwards, unifies and works efficiently, explores

and implements strategic measures for improving the Company s core competitive force and has acquired surprising

achievements, giving a good opening for the Twelfth-Five-Year Plan .

Completion of main operation indexes: at the end of the year 2011,the Company s total asset is 30,203,840 thou-

sand yuan, increasing by 7,519,790 thousand yuan than that at the beginning of the year, increasing by 33.15%, finish-

ing 156.02% of the planned values; the deposit reaches 25,148,700 thousand yuan, increasing by 4,228,510 thousand

yuan than that in the beginning of the year, increasing by 20.22%, finishing 97% of the planned values; the loan balance

reaches 13,104,040 thousand yuan, increasing by 3,301,500 thousand yuan that that in the beginning of the year, finish-

ing 100.8% of the planned values; the profit before provision is 587,490 thousand yuan, increasing by 293,200 thousand

yuan than that of the same period of the last year; the net profit is 406,129 thousand yuan, increasing by 238,140

thousand yuan, increasing by 141.68% and finishing 156.02% of the planned values. The supervision indexes are

sound, under increased capital within the year, the net asset yield rate is 19.16%, decreasing by 0.2% than that of

the last year, f inishing 160% of the planned values; the capital adequacy is 23.07%, increasing by 7.51% than

that of the last year; the provision coverage reaches 250.08%; the non-performing loan rate is 1.34%, decreasing

by 0.64% than that of the last year.

2. Review of the board of directors in the year 2011

The year 2011 is a year for the board of directors keeping going, and the year realizing crucial breakthroughs for

strategic development. During the reporting period, the board of directors seizes the work in the following 4 issues.

(1) Smooth advancement of the strategic objective. In the year 2011, the board of directors implements the capital

and share increasing, trans-regional development and other strategic decision-making and has achieved sound effects

to inject motive and vigor to the reform and development. Firstly, implement and successfully finish the 3rd time of

capital and share increasing, which solves the loan centralization bothering the Company for man years to make the

supervision indexes conformed one time and paves solid capital foundation for the Company s development in the forth-

coming 3 － 5 years. Secondly, sponsor and establish the first township bank out of the province － Ningxia Zhongning

Qingyin Rural Bank, which marches a first step to trans-provincial development. Thirdly, innovatively establish the first

off － bank multi － functional small corporate operation body － small corporate credit center in the province, a great

step for exploring new depositing and loan operation mode, risk control, guarantee mode, interest rate pricing, credit

review mechanism, repayment, responsibility response system, inspiration mechanism, which paved the foundation for

the acquired the experience for specially operating body.

(2) Successful election of the board of directors. With expiry of tenure of the 3rd session of the board of directors and

successful completion of the 3rd time of the capital increasing, the Company s board of directors continues adhering to the

principle of most directors elected by the shareholders. Members of a new session of the board of directors are elected by

37

ANNUAL REPORT 2011



the first interim shareholders general meeting of 2011. Based on the business development demands, 2 directors are

added for the 4th session of the board of directors and the number of directors is increased to 9 persons, and the decision-

making team has been expanded. Meanwhile, to play the function of the independent director, on the basis of holding 1

law expert as the independent director, 1 financial expert is introduced as the independent director to improve the profes-

sional organization structure of the board of directors. Qualifications of all members of the 4th session of the board of

directors have been reviewed and approved by the supervision body, and the newly elected directors have relatively high

management, strong professional capabilities and sound reviewing awareness. The successful election of the 3rd and 4th

sessions of the board of directors continues the Company s strong decision-making system and effective supervision sys-

tem and paves the long-term, stable and sound Company s governing for continuous business increasing.

(3) Sharp increasing of the operation benefits. One highlight of the Company in 2011 is sharp increasing of opera-

tion benefits under extremely complicated development environment and the tight currency policy. Before the histori-

cally highest deposit reserve ratio and the credit loan scale restriction, the Company creates new thoughts, applies

financial instruments to liquidate the inventory loan, ensures that the loan issuing rate is not reduced and the increment

is not reduced under the strict currency policy to assure stable income increasing. Meanwhile, fully utilize the opportu-

nity of increased interest rate on market, apply the spare fund in multi-channels, increase the comprehensive proceeds

level, realize diverse increasing, the whole-year fund operation income reaches 422 million yuan to support rapid in-

creasing of net profit. The whole-year net profit is 406 million yuan, proceeds per share is 0.22 yuan and the net asset

proceeds rate reaches 19.16%, which realizes synchronized increasing of proceeds and capital and the assets opera-

tion capabilities move forwards.

(4) Obvious risk prevention effects. Under severe macroscopic economic situations, the board of directors bears

the final liabilities for risk control. Firstly, reinforce guide and implementation of the risk policy, deliver the risk manage-

ment and control opinions to the management, for customers of different fields and key customers, propose the whole-

course risk monitoring requirements to the operation and management tier, reinforce the risk management and control

and guide to business operation by the board of directors and make the risk management throughout the business

operation activities, improve the depth and breadth of the risk management by the board of directors; secondly, starting

from the risk prevention and control, finish the capital increasing in the first half of the year and build the final dam

against risks at the capital tier. Meanwhile, in accordance with requirements of the profitability increasing and the super-

vision body, increase the loss reserve counting and drawing strength constantly. The assets depreciation reserve 180

million yuan was counted and drawn in the year 2011, with provision coverage rate up to 250.08%. Thirdly, seize the key

issues, through several negotiations and researches by the board of directors, guide and establish the special body,

through many effective approaches, to finish the collection and preservation of non-performing loan of Zhang s Group

before the end of the first half of the year, which paves the foundation for solving the issue and relieves the pressure of

rebounding of the non-performing loan under special economic situations; fourthly, strictly in accordance with the su-

pervision body s requirements and in combination with the development situations, continue in-depth development of

the internal control and the case prevention and control, continue to operate the periodic risk control at the management

level and realize the objective of zer o case .

38

ANNUAL REPORT 2011



3. Daily work of the board of directors

(1) Convening of conference of the board of directors

During the reporting period, the board of directors convened 3 field conferences and 22 telecommunication conferences,

with 50 issues reviewed and voted. Within the scope of power, the board of directors has made a series of key issues and

advances the business development of Bank of Qinghai. All directors can attend the conference and review the proposals,

diligent and dutiful, play the decision-making functions and maintain the rights and interests of all shareholders and the

Company.

(2) Execution of resolution of the shareholders’

conference by the board of the directors

The shareholders general meeting of 2010 re-

viewed and passed the profit distribution proposal of

10% of the net pr ofit withdrawn as the legal surplus

public reserve 16,798.8 thousand yuan, 30% of the dis-

tributable profit counted and drawn as general risk pro-

vision 72,192.6 thousand yuan and 670,891.0 thousand

shares as base and cash dividend 0.1 yuan issued for

each share (tax included) and 67,089.1 thousand yuan ,

and the said legal surplus public reserve and general

risk provision counting and drawing and dividend issu-

ing have been completed.

The Proposal on Election of Directors of the 4th Ses-

sion of Board of Directors and the Proposal on Election

of Supervisors of the 4th Session of Board of Supervi-

sors reviewed and passed at the first interim shareholders general meeting of 2011 have been implemented, and the

qualifications of the elected members of the 4th session of the board of directors and the 4th session of the board of

supervisors have been approved and passed by Bank of Qinghai Regulatory Administration, and the directors and su-

pervisors take office on time.

4. Profit distribution proposal for 2011

Audited and confirmed by Qinghai Dazheng CPA Firm, the Company s net profit in 2011 is 406,129 thousand yuan,

and realizes synchronized increasing of benefits while the capital is also increased rapidly. In accordance with relevant

laws, rules and the Articles of Association, the after-tax profit for the year 2011 is distributed as follows:

(1) 10% of the net profit after audit for the year 2011 is withdrawn as the legal surplus public reserve, 40,612.9

thousand yuan withdrawn;

(2) In accordance with rules and regulations of the Ministry of Finance, the general risk provision 89,411.6 thou-

sand yuan is withdrawn from the distributable profits;

青海银行重点贷款项目之一－青海盐湖海纳化工有限公司。

One of the key projects by Bank of Qinghai － Qinghai Salt

Lake Chemical Industry Co., Ltd.

39

ANNUAL REPORT 2011



(3) Take 1,861,390 thousand shares as the base, and the cash dividend 0.1 yuan (tax included) is issued for each

share;

(4) The reserved undistributed profits of the current year and the previous years will be distributed in the following

years.

5. Working plan for board of directors in 2012

(1) Main operation objectives of the year 2012

The deposit savings reach 30 billion yuan, increasing by

19.29%;

Net profit is 660 million yuan, increasing by 63%;

Net assets proceeds rate over 17%;

The non-conformity rate controlled within the value of the

last year (≤ 1.34%).

(2) Main tasks in 2012

① Continue to urge perfection of the Company gov-

erning

In the year 2012, the board of directors shall continue to

perfect relevant rules and regulations and improve their per-

formance qualification and make timely and scientific deci-

sion-making for the Company s development. The operation

and management tier shall utilize several channels to ensure

that the board of directors can know the operation details in all-around issues and quickly and the implementation

progress of key strategic development objectives. The board of directors shall coordinate with the Party Committee and

the board of supervisors, increases the entire strength of the operation and management tier on staff configuration and

mechanism, assign the responsibilities of the operation objectives by senior officers and achieve the realization of the

operation objectives.

② Risk factors strictly controlled under complicated situations

In the year 2012, continue to play the core and guiding functions and the crucial supervision responsibilities of the

board of directors in the risk management and control, reinforce building and perfection of the credit flow in the bank,

and reinforce monitoring and management over the flowing risks. Under the prerequisites of assuring their own risk

prevention and control, sort out the existing clients, demarcate the thoughts and bottom line for risk prevention and

control over high-energy consumption, non-ferrous metal, real estate, cement and local government financing platform

much related to the macroscopic economic regulating policy, prepare the emergency response measures for risk pre-

vention and control, withdraw the provisions, reduce and exit for risk reduction provision in accordance with the eco-

nomic development situations and regulating rhythm. Ensure that the bottom line for risk control and prevention can not

be broken out and promote stable development of the risks.

40

ANNUAL REPORT 2011



③ Speed up the operation and fundamental work building

Under the double pressure of more complicated macroscopic economic situations and strict supervision policy, in

the year 2012, the board of directors will unswervingly speed up implementation of the strategic development objectives

and make the implementation of the strategic objective become the strong motive for advancing the business development.

Firstly, start up the building of the new generation of the core business system to improve the hard strength for improv-

ing business development; secondly, reinforce the functions of the small-sized enterprises, offer sufficient guarantee in

respect of system and mechanism to adapt the requirements on supporting the middle and small-sized requirements

and non-governmental supported economy, and build the small-sized enterprise center into the Company s golden brand

and profit center; thirdly, spare no efforts in advancing building of the branches, make preparations for the pre-stage

preparation for the main economic development area in the province and undertaking the economic transition belt from

other provinces. Continue to develop optimization and reconstruction of the existing body, improve the building stan-

dards of the body, improve functions, and enhance images and perfect services.

④ Increase the d iverse income

channels

The state s continuously issued credit

loan scale restriction forces the bank to

change the mind of acquiring most income

with the traditional business. Therefore, in

the year 2012, based on solidifying the tra-

ditional credit loan business market share,

the Company shall expand the profitability

channels, enhance the capital operation in

the inter-bank financial market, creates and

introduces multiple financial products, pro-

motes diverse income and assures maximi-

zation of shareholders rights and interests.

Improve the assessment proportion of the

deposit, adhere to the operation guideline

of depositing for developing bank and

strive for increasing the deposit market share

and offer sufficient fund support for diverse

income.

玉树 4.14 地震 1 周年之际，青海银行玉树州分行员工走上街头，向群众宣传

国家金融政策。

On the 1-year anniversary of the April 14 Earthquake in Yushu Prefecture,

the staff of Yushu Prefecture of Bank of Qinghai publicizing the state fi-

nancing policy to the mass on the street.

41


监事会报告


1、 2011 年监事会工作情况

报告期内，第三届监事会任期届满，本公司紧紧抓住第三次增资扩股完成的有利时机，结合自身公司治理的需要，及

时进行了监事会的换届选举，顺利实现了新、老监事会工作的平稳过渡，确保了监事会日常工作的有效衔接和正常运转。同

时，监事会不断加强自身建设，提高履职能力，将监事会组成人员由原来的 5 人增加到 7 人，为进一步完善本公司治理结

构奠定了坚实的基础。2011 年内，全体监事均能够勤勉尽职，本着对股东高度负责的态度，积极参加本公司历次股东大会、

列席董事会，对本公司董事会、高级管理层履职情况以及财务状况进行监督，维护股东的合法权益。监事会成员还经常与

董事、高级管理层和监管部门进行积极沟通，积极配合、支持董事会和经营层的各项工作。2011 年本公司监事会共召开会

议 4 次，审议了涉及年度报告、财务预算方案、利润分配方案以及监事会相关工作报告等 15 项议案，较好的发挥了监事会

的监督作用。

2、积极履行职责，推进监督检查

报告期内，监事会结合本公司业务发展实际，紧紧把握风险防范和监督检查方向，一是充分发挥“观察员”和“监

督员”作用，通过列席各种会议、约见谈话、民主评议、质询等多种方式，全面考核董事忠实守信、勤勉尽职、合规履

职方面的表现；考核高管在业务技能、处理复杂问题以及长期承诺和责任心方面的表现。二是重点专注第三次增资扩股

工作和跨区域发展等重大项目的落地实施，密切关注贷款集中度压缩和重大不良资产处置等风险管控工作，对实施状况

及效果进行评估，提示风险隐患，并充分发表意见和建议。三是推进对本公司经营管理工作的监督检查，监事会会同董

事会组织并指导内部审计部门对全行所属各单位经营活动和财务收支的合法性、真实性、有效性开展了常规审计和突击

检查，对全辖的信息科技风险和内部管理开展了专项审计，对管理人员的离职开展了离职审计，并就审计中发现的问题

整改落实情况进行后续跟踪检查，并且对监督检查中发现的问题及时向经营层和管理层进行反馈，定期进行后续检查，确

保监督检查不落空。

3、监事会就有关事项发表的独立意见

监事会出席了股东大会，列席了董事会，依法对本公司进

行了监督。监事会认为，报告期内，本公司经营决策程序合法

有效，董事及高级管理层成员在业务经营及管理过程中谨慎、

认真、勤勉，未发现任何违反法律、法规、公司章程或损害公

司及股东利益的行为。

本年度财务报告已经青海大正会计师事务所有限公司审

计，并出具标准无保留意见审计报告。财务报告真实、客观地

反映了本公司的财务状况和经营成果。

报告期内本公司无重大资产收购和出售情况。

报告期内，本公司的关联交易公平合理，未发现损害股东

权益及本公司利益的情况。

本公司内部控制完整、合理、有效。

4、 2012 年监事会工作重点

2012 年，是新一届监事会全面履新的第一年，是青海银行将面临更多压力和挑战的一年，同时也是风险管控任务更加

繁重的一年。为此，监事会将根据银监会的相关要求和本公司的实际，确立以风险管控为本年度监督检查的重点，不断完善

监督管理手段，推进各项监督检查，持续加强自身建设，切实推进青海银行快速、平稳、有效地实施各项战略目标。

青海银行组织员工积极开展反假币业务宣传。

Bank of Qinghai organizing the staff to develop the

publicity against counterfeit currency.

42

ANNUAL REPORT 2011

Report of the Board of Supervisors


1. Work of the board of supervisors

During the reporting period, upon expiry of tenure of the 3rd session of the board of supervisors, the Company

seizes the advantageous opportunity on completion of the 3rd time of the capital and share increasing, in combination

with the demands of the company governing, performs the election of the board of supervisors and realizes the smooth

transition between the new and old board of supervisors and assure effective connection and regular operation of the

board of supervisors. Meanwhile, the board of supervisors reinforces their own building, improves their own perfor-

mance capabilities, and the number of members of the board of supervisors is increased from 5 persons to 7 persons,

which paves solid foundation for perfecting the Company s governing structure. In the year 2011, on the basis of being

highly responsible to the shareholders, all the supervisors are diligent, actively participate in the Company s sharehold-

ers general meeting, attend the conference of the board of directors, supervise performance of the Company s board of

directors and senior management and the financial situations and maintain the shareholders legal rights and interests.

Members of the board of directors actively communicate with directors, senior managers and the supervision body and

assist and support work of the board of directors and the operation tier. In the year 2011, the Company s board of

supervisors convened 4 conferences, involving annual report, financial budget, profit distribution proposal and work of

the board of supervisors and 15 proposals in total to play the supervision function of the board of supervisors.

2. Actively perform duties and advance supervision check

During the reporting period, in combination with the development details of the Company s business, the board of

supervisors seizes the risk prevention and control and supervision and check. Firstly, assess the directors loyalty,

diligence and conformity performance by attending the conference, communication, democratic assessment, inquiry

and etc.; asses the senior managers performances of business skill, handling complicated issues and long-term

commitment and responsibility. Secondly, focus on implementation of the 3rd time of the capital and share increasing

and trans-regional development, concern the load concentration compression and disposal of key non-conformed

assets, assess the risk management and control, remind the risk hidden troubles and release opinions and suggestions.

Thirdly, advance supervision and check over the Company s operation management, the board of supervisors and the

board of directors organize and guide the internal audit department to perform regular audit and unexpected check

over legality, authenticity and effectiveness for operation activities and financial expenditures of the affiliated bodies,

develop special audit for the competent information science& technology risks and internal management, develop

resignation audit for the leaving staff, perforce follow-up track and check of problems discovered in the audit, offer

feedback to the operation tier and management tier regarding problems in the supervision and check, regularly exer-

cises the subsequent check and ensure that the supervision and check can work.

3. The board of supervisors issuing independent opinions regarding pertinent issues

The board of supervisors attend the shareholders general meeting, appear in the conference of the board of direc-

tors without voting rights and supervises the Company. The board of supervisors thinks that, during the reporting period,

the Company s operation and decision-making procedures are legal and effective, and the directors and the senior

officers are cautious, careful and diligent in business operation and management, without discovering any behaviors

breaching laws, rules , the articles of association or impairing the Company and the shareholders rights and interests.

43

ANNUAL REPORT 2011


Report of the Board of Supervisors

青海银行首台藏汉双语种 ATM机在玉树灾

区正式投入使用，切实提高了玉树灾后重建及藏

区农牧民金融服务水平，为灾区重建家园及藏区

农牧民经济发展量身打造适应性金融产品和金融

服务。

The first bi-lingual Chinese and Zang

Language AMT machine of Bank of Qinghai

was put into use in Yushu disaster area, im-

proving the financial service for reconstruc-

tion after the earthquake disaster and for

herdsman in the Tibetan, and create adapt-

able financial products and financial ser-

vices for reconstruction of homeland and the

development of economic development for

farmer and herdsman in Tibetan.

The annual report has been audited by Qinghai Dazheng CPA Firm Co., Ltd., issued with the audit report without

reserved opinions. The financial report reflects the Company s financial situations and operation results authentically

and objectively.

The Company does not incur key assets purchasing and sales during the reporting period.

During the reporting period, the Company s related transactions are fair and proper, without discovering impairing

shareholders rights and interests and the Company s interests.

The Company s internal control is complete, proper and effective.

4. Key working points of the board of supervisors in 2012

The year 2012 is a year for a new session of the board of supervisors to perform their duties, and Bank of Qinghai

will face more pressure and challenges with more heavy risk management and control. For such a purpose, the board of

supervisor, in accordance with relevant requirements of the banking regulatory committee and the actual situations of

the Company, establishes the risk management and control as the key for supervision and check this year, constantly

perfects the supervision and management means, promotes the supervision and check, reinforces their own building

and realize Bank of Qinghai s strategic objectives rapidly, stably and effectively.

44

二零一一年度报告 ANNUAL REPORT 2011

重要事项


报告期内，本公司的关联交易为对股东的贷款、存款及承兑汇票，所有关联方贷款均按相关法律规定及本公司贷款条

件、审核程序进行发放，并正常还本付息，对本公司的经营成果和财务状况无任何负面影响。

During the reporting period, the Company s related transactions are loans and deposits to shareholders and accep-

tance drafts, and all related parties loans are issued in accordance with relevant laws and the Company s loan condi-

tions and audit procedures with expected principal and interest repayment, without any negative influences on the

Company s operation achievements and financial situations.

Key Issues

44 青海银行股份有限公司

45


财务报告


本公司年度财务报告经青海大正会计师事务所有限公司注册会计师吴海泉、伍常青根据中国注册会计师独立审计准则，

实施了审计工作，审计报告和经审计确认后的财务会计报表如下：

审计报告

大正会师审字 (2012)第 53 号

青海银行股份有限公司全体股东：

我们审计了后附的青海银行股份有限公司 (以下简称贵公司 )财务报表，包括 2011 年 12 月 31 日的资产负债表、2011 年

度的利润表和现金流量表以及财务报表附注。

一、管理层对财务报表的责任

按照《企业会计准则》的规定编制财务报表是贵公司管理层的责任。这种责任包括：(1)设计、实施和维护与财务报表

编制相关的内部控制，已使财务报表不存在由于舞弊或错误而导致的重大错报；(2)选择和运用恰当的会计政策；(3)作出合

理的会计估计。

二、注册会计师责任

我们的责任是在实施审计工作的基础上对财务报表发表审计意见。我们按照中国注册会计师审计准则的规定计划执行

了审计工作，中国注册会计师审计准则要求我们遵守职业道德规范，计划和实施审计工作以对财务报表是否不存在重大错

报获取合理保证。

审计工作涉及实施审计程序，以获取有关财务报表金额和披露的审计证据。选择的审计程序取决于注册会计师的判断，

包括对由于舞弊或错误导致的财务报表重大错报风险的评估。在进行风险评估时，我们考虑与财务报表编制相关的内部控

制，以设计恰当的审计程序，但目的并非对内部控制的有效性发表意见。审计工作还包括评价管理层选用会计政策的恰当

性和作出会计估计的合理性，以及评价财务报表的总体列报。

我们相信，我们获取的审计证据是充分、适当的，为发表审计意见提供了基础。

三、审计意见

贵公司财务报表已经按照《企业会计准则》的规定编制，在所有重大方面公允地反映了贵公司 2011 年 12 月 31 日的财

务状况以及 2011 年度的经营成果和现金流量。

青海大正会计师事务所有限公司中国注册会计师：

中国·青海中国注册会计师：

二○一二年一月三十一日

46


财务报告


资产负债表

单位：人民币元

资产期末余额

资产：

现金及存放中央银行款项 5,923,171,225.84

存放同业款项 2,744,595,775.31

贵金属 1,794,587.00

拆出资金

交易性金融资产 3,913,657,557.45

衍生金融资产

买入返售金融资产 1,996,714,233.45

应收利息 933,346.24

发放贷款和垫款 12,644,821,332.65

可供出售金融资产 793,591,017.29

持有至到期投资 1,395,728,456.65

长期股权投资 18,519,391.74

投资性房地产

固定资产 160,525,306.31

在建工程 54,452,360.00

无形资产 14,507,292.15

递延所得税资产 2,750,000.00

其他资产 538,077,299.80

资产合计 30,203,839,181.88

47


财务报告


资产负债表 (续 )


负债和股东权益期末余额

负债：　

向中央银行借款

同业及其他金融机构存放款项 1,230,000,000.00

拆入资金

交易性金融负债

衍生金融负债

卖出回购金融资产款

吸收存款 25,227,525,865.97

应付职工薪酬 46,524,146.83

应交税费 70,535,427.95

应付利息 83,583,716.99

预计负债

应付债券

递延所得税负债 30,371,533.50

其他负债 313,311,389.11

负债合计 27,001,852,080.35

所有者权益

实收资本 (或股本 ) 1,861,391,038.00

资本公积 687,247,476.27

减：库存股

盈余公积 88,727,108.06

一般风险准备 192,081,506.41

未分配利润 372,539,972.79

所有者权益合计 3,201,987,101.53

负债和所有者权益总计 30,203,839,181.88

48


财务报告


损益表


项目期末数

一、营业收入 1,466,280,597.98

1、贷款利息收入 612,466,031.11

2、金融机构往来利息收入 587,810,731.77

3、手续费收入 30,920,116.38

4、投资收益 208,712,544.23

5、其他业务收入 452,368.23

6、汇总损益 577,526.26

7、公允价值变动损益 25,341,280.00

二、营业支出 894,110,938.26

1、利息支出 491,758,627.32

2、金融机构往来利息支出 288,236,778.41

3、手续费支出 1,596,503.94

4、业务及管理费 182,665,899.79

5、提取准备 181,361,365.99

6、其他营业支出 353,250.40

7、外汇业务支出

8、营业税金及附加 36,375,290.82

三、营业利润 572,169,659.72

加：营业外收入 2,204,471.07

减：营业外支出 2,569,586.46

四、利润总额 571,804,544.33

减：所得税 165,675,664.75

加：以前年度损益调整

五、净利润 406,128,879.58

49


财务报告


现金流量表


项目本期金额

一、经营活动产生的现金流量：

客户存款和同业存放款项净增加额 8,242,240,540.73

向中央银行借款净增加额

收取利息、手续费及佣金的现金 1,230,927,868.44

收到其他与经营活动有关的现金 406,047,620,148.57

经营活动现金流入小计 415,520,788,557.74

客户贷款及垫款净增加额 3,301,496,387.20

存放中央银行和同业款项净增加额 3,554,719,521.63

支付利息、手续费及佣金的现金 468,207,900.44

支付给职工以及为职工支付的现金 73,689,077.82

支付的各项税费 122,515,781.03

支付其他与经营活动有关的现金 405,213,793,887.67

经营活动现金流出小计 412,734,422,555.79

经营活动产生的现金流量净额 2,786,366,001.95

二、投资活动产生的现金流量：

收回投资收到的现金 31,239,515,825.20

取得投资收益收到的现金 209,793,152.50

处置固定资产、无形资产和其他长期资产所收回的现金净额 73,000.00

投资活动现金流入小计 31,449,381,977.70

购建固定资产、无形资产和其他长期资产所支付的现金 9,691,818.85

投资支付的现金 27,563,660,817.90

支付其他与投资活动有关的现金 5,758,062,465.97

投资活动现金流出小计 33,331,415,102.72

投资活动产生的现金流量净额 -1,882,033,125.02

三、筹资活动产生的现金流量：

吸收投资收到的现金 1,821,465,000.00

发行债券收到的现金

收到其他与筹资活动有关的现金

筹资活动现金流入小计 1,821,465,000.00

偿还债务所支付的现金

分配股利、利润或偿付利息所支付的现金 60,180,121.85

支付其他与筹资活动有关的现金

筹资活动现金流出小计 60,180,121.85

筹资活动产生的现金流量净额 1,761,284,878.15

四、汇率变动对现金及现金等价物的影响

五、现金及现金等价物净增加额 2,665,617,755.08

加：期初现金及现金等价物余额 7,998,863,479.52

六、期末现金及现金等价物余额 10,664,481,234.60

50

ANNUAL REPORT 2011


Financial Report

The Company s financial report of this year is audited by CPA Wu Haiquan, Wu Changqing of Qinghai Dazheng

Accountant Firm Co., Ltd. in accordance with the independent audit code of CPA. The audit report and the financial and

accounting statements after audit confirmation are given below:

Audit ReportDZKSSZ(2012)NO.53

To all the Shareholders of Bank of Qinghai Co., Ltd.:

We have audited the attached financial report forms of Bank of Qinghai Co., Ltd. (hereinafter called company), includ-

ing balance sheet on December 31, 2011, profit sheet, cash flow sheet and annotation for financial reporting for 2011.

I. Responsibility for accounting reporting forms by the management

According to the provisions of the Accounting Standards for Enterprises to prepare financial statements are the

responsibility of the company s management. These responsibilities include: (1) Design, perform and maintain relevant

internal control related to compilation of the financial reporting forms to make the forms without great mistake by em-

bezzlement or mistake; (2) Select and use appropriate accounting policy; (3) Make reasonable accounting estimate.

II. CPA’s responsibility

Our responsibility is to make comment based on auditing the reporting form. We have performed according to

auditing principle for China s CPA, which requires us to observe vocational and moral standard, plan and perform audit

and without key mistake.

Audit involves audit proof and audited amount and disclosed audit proof. The selected audit procedure depends on

CPA s judge, including assessment on possible key mistake by embezzlement or mistake. When assessing risk, we will

consider relevant internal control related to compilation of the reporting form and appropriate audit procedure, but not to

make comment on validity of internal control. Audit also includes correction of accounting policy and reasonability of

accounting estimate and comment on the whole reporting forms.

We believe that the audit proof obtained by us is sufficient and reasonable and paves the way for making audit

comment.

III. Audit comment

The company financial statements in accordance with the Accounting Standards for Enterprises has been compil-

ing the provisions,In all significant respects fair reflects the company December 31, 2011 financial situation and 2011

annual operating results and cash flows.

Qinghai Dazheng Certified Public Accountants Co., Ltd China s Registered Accountant:

China Qinghai

China s Registered Accountant:

January 31, 2012

51

ANNUAL REPORT 2011


Financial Report

Balance SheetUnit: RMB yuan

Assets Balance at term end

Assets:

Cash and balances with central bank 5,923,171,225.84

Due from bank 2,744,595,775.31

Precious metal 1,794,587.00

Interbank Lending

Held-for-trading financial assets 3,913,657,557.45

Derivative financial assets

Financial assets purchased under agreements to resell 1,996,714,233.45

Interest receivable 933,346.24

Loans and advances to customers 12,644,821,332.65

Available-for-sale financial assets 793,591,017.29

Held-to-maturity investments 1,395,728,456.65

Long-term equity investment 18,519,391.74

Investment properties

Fixed assets 160,525,306.31

Construction in progress 54,452,360.00

Intangible assets 14,507,292.15

Deferred income tax assets 2,750,000.00

Other asset 538,077,299.80

Total assets 30,203,839,181.88

52

ANNUAL REPORT 2011


Financial Report

Balance Sheet (continued)Unit: RMB yuan

Liabilities and owner’s equity Balance at term end

Liabilities:

Borrowings from central bank

Due to banks and other financial institutions 1,230,000,000.00

Interbank Borrowings

Held-for-trading financial liabilities

Derivative financial liabilities

Assets sold under agreements to repurchase

Customer bank deposits 25,227,525,865.97

Staff remuneration payables 46,524,146.83

Tax payable 70,535,427.95

Interest payable 83,583,716.99

Estimated liabilities

Bonds payable

Deferred income tax liabilities 30,371,533.50

Other liabilities 313,311,389.11

Total liabilities 27,001,852,080.35

Equity of owner

Paicl-up capital(or Stock capital) 1,861,391,038.00

Capital reserves 687,247,476.27

Minus: Treasury stock

Surplus reserves 88,727,108.06

General risk provisions 192,081,506.41

Undistributed profit 372,539,972.79

Total Minor Shareholder’s equity 3,201,987,101.53

Total liability and equity of owner 30,203,839,181.88

53

ANNUAL REPORT 2011


Financial Report

Income statementUnit: RMB yuan

Item Ending balance

I. Operation Income 1,466,280,597.98

1.Loan Interest income 612,466,031.11

2.Interest income from financial institutes 587,810,731.77

3.fee income 30,920,116.38

4.Investment Income 208,712,544.23

5.other business income 452,368.23

6.consolidated profit and loss 577,526.26

7.The profits and losses on the changes in fair value 25,341,280.00

II. Operating expenses 894,110,938.26

1.interest expense 491,758,627.32

2.Interest payments from financial institutes 288,236,778.41

3.Fees expense 1,596,503.94

4.Business and management fee 182,665,899.79

5.provisioning 181,361,365.99

6.Other business expenses 353,250.40

7.Foreign exchange business expenses

8.business tariff and annex 36,375,290.82

III. Operating income 572,169,659.72

Plus: Non business income 2,204,471.07

Minus: Non business expenditure 2,569,586.46

IV. Total Profit 571,804,544.33

Minus: Income tax 165,675,664.75

Plus: adjustment of loss and gain for previous years

V. Net profit 406,128,879.58

54

ANNUAL REPORT 2011


Financial Report

Cash-flow StatementUnit: RMB yuan

Item Amount of this year

I. Cash flow from operational activities:

Net increase in customer bank deposits and due to banks and other financial institutions 8,242,240,540.73

Net increase in borrowings from central bank

Cash from charging interest, handling charge and commission 1,230,927,868.44

Other cash received concerning operating activities 406,047,620,148.57

Subtotal cash flow-in from operational activities 415,520,788,557.74

Net increase in loans and advances to customers 3,301,496,387.20

Net increase in deposits with central bank and other financial institutions 3,554,719,521.63

Cash for paying interest, handling charge and commission 468,207,900.44

Cash paid to and on behalf of employees 73,689,077.82

Cash paid for taxes and surcharges 122,515,781.03

Cash paid for other operating activities 405,213,793,887.67

Subtotal cash flow-out from operational activities 412,734,422,555.79

Net cash flows from operating activities 2,786,366,001.95

II. Cash flow from investment activities:

Cash received from disposal of investments 31,239,515,825.20

Cash received from getting investment benefit 209,793,152.50

Net value of cash from disposal of fixed assets, intangible assets and

other long-term assets73,000.00

Subtotal of cash flow-in from investment activities 31,449,381,977.70

Cash disbursed for buying fixed assets, intangible assets and other long-term assets 9,691,818.85

Cash disbursed for investment 27,563,660,817.90

Other disbursed cash related with investment activities 5,758,062,465.97

Subtotal cash flow-out from investment activities 33,331,415,102.72

Net amount of cash flow generated from investment activities -1,882,033,125.02

III. Cash flow generated from financing activities

Cash received from absorbing investment 1,821,465,000.00

Cash received from issuing bonds

Other received cash related with financing activities

Subtotal of cash flow-in from financing activities 1,821,465,000.00

Cash disbursed for clearing debt

Cash disbursed for distributing dividend, profit, and paying interest 60,180,121.85

Other disbursed cash related with financing activities

Subtotal of cash flow-out from financing activities 60,180,121.85

Net amount of cash flow generated from financing activities 1,761,284,878.15

IV. Effect of changes in foreign exchange on cash and cash equivalents

V. Net added value of cash and cash equivalents 2,665,617,755.08

Plus: balance of cash and cash equivalence at the beginning of the period 7,998,863,479.52

VI. Balance of cash and cash equivalence at the end of the period 10,664,481,234.60

55

序号分支机构名称地址联系电话

1 青海银行股份有限公司总行营业部西宁市黄河路 36 号 8163807

2 青海银行股份有限公司格尔木分行格尔木市江源南路 18 号 8435222

3 青海银行股份有限公司格尔木昆仑支行格尔木市昆仑路与育红巷十字 8421818

4 青海银行股份有限公司玉树藏族自治州分行玉树县结古镇民主路 14 号 8828270

5 青海银行股份有限公司海南藏族自治州分行共和县恰不恰镇团结北路 15 号 8512709

6 青海银行股份有限公司黄河电力支行西宁市五四西路 43 号 6321356

7 青海银行股份有限公司胜利支行西宁市胜利路 31 号 6112674

8 青海银行股份有限公司小桥大街支行西宁市小桥大街 28 号 5130062

9 青海银行股份有限公司胜利路支行西宁市胜利路 66 号 6133888

10 青海银行股份有限公司朝阳支行西宁市朝阳东路 5 号 5500129

11 青海银行股份有限公司北山支行西宁市北山家具市场 8458160

12 青海银行股份有限公司生物园支行西宁市宁张路 43 号 5318313

13 青海银行股份有限公司西钢支行西宁市柴达木西路 52 号 5216969

14 青海银行股份有限公司海湖新区支行西宁市西川南路 113 号 6331805

15 青海银行股份有限公司昆仑桥支行西宁市昆仑路 8 号 6123638

16 青海银行股份有限公司南关街支行西宁市南关街 40-2 号 8237623

17 青海银行股份有限公司甘河工业园支行西宁市甘河工业园区 2291338

18 青海银行股份有限公司多巴支行湟中县多巴镇新墩南路 2297181

19 青海银行股份有限公司古城台支行西宁市五四大街 31 号 6313381

20 青海银行股份有限公司同仁路支行西宁市同仁路 10 号 6141247

21 青海银行股份有限公司海湖支行西宁市海湖路 16 号 6312249

22 青海银行股份有限公司五四西路支行西宁市五四西路 12 号 6303141

23 青海银行股份有限公司西关大街支行西宁市西关大街 39 号 6143003

24 青海银行股份有限公司西川南路支行西宁市西部综合市场 A89 号 6313196

25 青海银行股份有限公司城中支行西宁市长江路 6 号 8244042

26 青海银行股份有限公司信通支行西宁市胜利路 1 号 6100297


青海银行各分支机构


56

序号分支机构名称地址联系电话

27 青海银行股份有限公司黄河路支行西宁市黄河路 26-1 号 6108017

28 青海银行股份有限公司北大街支行西宁市解放路 2 号 8210234

29 青海银行股份有限公司西大街支行西宁市西大街 43 号 8236892

30 青海银行股份有限公司南大街支行西宁市南大街 18 号 8247306

31 青海银行股份有限公司城西支行西宁市五四大街 70 号 6151006

32 青海银行股份有限公司五四大街支行西宁市五四大街 72 号 6117981

33 青海银行股份有限公司南川西路支行西宁市南川西路 39 号 6255273

34 青海银行股份有限公司昆仑路支行西宁市昆仑路 23 号 6158974

35 青海银行股份有限公司西关桥支行西宁市黄河路 90 号 6144332

36 青海银行股份有限公司高槽巷支行西宁市高槽巷 12 号 6156285

37 青海银行股份有限公司新宁广场支行西宁市西关大街 57 号 6117393

38 青海银行股份有限公司五一路支行西宁市五一路 36 号 8454005

39 青海银行股份有限公司南小街支行西宁市南小街国际村 2 号 8148301

40 青海银行股份有限公司七一路支行西宁市七一路 252 号 9172818

41 青海银行股份有限公司东关大街支行西宁市东关大街 112 号 8176531

42 青海银行股份有限公司城东支行西宁市大众街 292-12 号 8124705

43 青海银行股份有限公司祁连路支行西宁市祁连路 137-3 号 8171493

44 青海银行股份有限公司站东支行西宁市互助西路 145 号 8172619

45 青海银行股份有限公司建国路支行西宁市建国路 2 号 8133931

46 青海银行股份有限公司互助路支行西宁市互助路小商品批发市场 8171277

47 青海银行股份有限公司八一路支行西宁市八一中路 58 号 8808832

48 青海银行股份有限公司德令哈路支行西宁市德令哈路 195 号 8149494

49 青海银行股份有限公司开发区支行西宁市开元路 22 号 8817385

50 青海银行股份有限公司城南新区支行

51 青海银行股份有限公司交通巷支行

西宁市电话区号：0971 格尔木市电话区号：0979 玉树州电话区号：0976

海南州电话区号：0974 湟中县电话区号：0972


青海银行各分支机构


57

The Branches of Bank of Qinghai

Contact

No. Company name of after changing Business Address Phone

1Banking Department Of Head Office, Bank of Qinghai

No.36, Huanghe Road, , Xining City 8163807Co., Ltd.

2 Golmud Branch, Bank of Qinghai Co., Ltd. No.18, Jiangyuannan Road, Golmud City 8435222

3 Golmud Kunlun Sub-Branch, Bank of Qinghai Co., Ltd.Cross of Kunlun Road and Yuhong

8421818Lane of Golmud City

4Yushu Tibetan Autonomous Prefecture Branch, Bank of No.14, Minzhu Road, Jiegu Town,

8828270Qinghai Co., Ltd. Yushu County

5Hainan Tibetan Autonomous Prefecture Branch, Bank No.15, Tuanjie North Road, Qiabuqia

8512709of Qinghai Co., Ltd. Town, Gonghe County

6 Huanghe Power Sub-Branch, Bank of Qinghai Co., Ltd. No.43, Wusi West Road, Xining City 6321356

7 Shengli Sub-Branch, Bank of Qinghai Co., Ltd. No.31, Shengli Road, Xining City 6112674

8 Xiaoqiao street Sub-Branch, Bank of Qinghai Co., Ltd. No.28, Xiaoqiao Street, Xining City 5130062

9 Shengli Road Sub-Branch, Bank of Qinghai Co., Ltd. No.66, Shengli Road, Xining City 6133888

10 Zhaoyang Sub-Branch, Bank of Qinghai Co., Ltd. No.5, Zhaoyangdong Road, Xining City 5500129

11 Beishan Sub-Branch, Bank of Qinghai Co., Ltd. Beishan Furniture Market, , Xining City 8458160

12 Shengwuyuan Sub-Branch, Bank of Qinghai Co., Ltd. No.43, Zhang Road, Xining City 5318313

13 Xigang Sub-Branch, Bank of Qinghai Co., Ltd. No.52, Chaidamu West Road, Xining City 5216969

14Haihu New District Sub-Branch, Bank of Qinghai

No.113, Xichuan South Road , Xining City 6331805Co., Ltd.

15 Kunlunqiao Sub-Branch, Bank of Qinghai Co., Ltd. No.8, Kunlun Road , Xining City 6123638

16 Nanguan Street Sub-Branch, Bank of Qinghai Co., Ltd. No.40-2, Nanguan Street , Xining City 8237623

17Ganhe Industrial Park Sub-Branch, Bank of Qinghai

Ganhe Industrial Park, Xining City 2291338Co., Ltd.

18 Duoba Sub-Branch, Bank of Qinghai Co., Ltd.Xindun South Road, Duoba Town,

2297181Huangzhong County

19 Guchengtai Sub-Branch, Bank of Qinghai Co., Ltd. No.31, Wusi Street, Xining City 6313381

20 Tongren road Sub-Branch, Bank of Qinghai Co., Ltd. No.10, Tongren Road, Xining City 6141247

21 Haihu Sub-Branch, Bank of Qinghai Co., Ltd. No.16, Haihu Road, Xining City 6312249

22 Wusi West Road Sub-Branch, Bank of Qinghai Co., Ltd. No.12, Wusi West Road , Xining City 6303141

23 Xiguan Street Sub-Branch, Bank of Qinghai Co., Ltd. No.39, Xiguan Street, Xining City 6143003

24Xichuan South Road Sub-Branch, Bank of Qinghai No.A89, Xibuzhonghe Market,

6313196Co., Ltd. Xining City

25 Chengzhong Sub-Branch, Bank of Qinghai Co., Ltd. No.6, Changjiang Road, Xining City 8244042

26 Xintong Sub-Branch, Bank of Qinghai Co., Ltd. No.1, Shengli Road, Xining City 6100297

27 Huanghe Road Sub-Branch, Bank of Qinghai Co., Ltd. No.26-1, Huanghe Road, Xining City 6108017

ANNUAL REPORT 2011



58

The Branches of Bank of Qinghai (continued)

Contact

No. Company name of after changing Business Address Phone

28 North Street Sub-Branch, Bank of Qinghai Co., Ltd. No.2, Jiefang Road, Xining City 8210234

29 West Street Sub-Branch, Bank of Qinghai Co., Ltd. No.43, West Street, Xining City 8236892

30 South Street Sub-Branch, Bank of Qinghai Co., Ltd. South Street, Xining City 8247306

31 Chengxi Sub-Branch, Bank of Qinghai Co., Ltd. NO.70, Wusi Street, Xining City 6151006

32 Wusi Street Sub-Branch, Bank of Qinghai Co., Ltd. No.72, Wusi Street, Xining City 6117981

33Nanchuan West Road Sub-Branch, Bank of Qinghai No.39, Nanchuan West Road,

6255273Co., Ltd. Xining City

34 Kunlun Road Sub-Branch, Bank of Qinghai Co., Ltd. NO.23, Kunlun Road, Xining City 6158974

35 Xiguanqiao Sub-Branch, Bank of Qinghai Co., Ltd. No.90, Huanghe Road, Xining City 6144332

36 Gaocaohang Sub-Branch, Bank of Qinghai Co., Ltd. No.12, Gaocaohang, Xining City 6156285

37 Xinning Square Sub-Branch, Bank of Qinghai Co., Ltd. NO.57, Xiguan Street, Xining City 6117393

38 Wuyi Road Sub-Branch, Bank of Qinghai Co., Ltd. No.36, Wuyi Road, Xining City 8454005

39 Nanxiao Street Sub-Branch, Bank of Qinghai Co., Ltd.No.2, Nanxiao Street, Guojicun,

8148301Xining City

40 Qiyi Road Sub-Branch, Bank of Qinghai Co., Ltd. No.252, Qiyi Road, Xining City 9172818

41 Dongguan Street Sub-Branch, Bank of Qinghai Co., Ltd. No.112, Dongguan Street, Xining City 8176531

42 Chengdong Sub-Branch, Bank of Qinghai Co., Ltd. No.292-12, Dazhong Street, Xining City 8124705

43 Qiliang Road Sub-Branch, Bank of Qinghai Co., Ltd. No.137-3, Qiliang Road, Xining City 8171493

44 Zhandong Sub-Branch, Bank of Qinghai Co., Ltd. No.145, Huzhuxi Road, Xining City 8172619

45 Jianguo Road Sub-Branch, Bank of Qinghai Co., Ltd. No.2, Jianguo Road, Xining City 8133931

46 Huzhu Road Sub-Branch, Bank of Qinghai Co., Ltd.Huzhu Road, Commodity wholesale

8171277market,Xining City

47 Bayi Road Sub-Branch, Bank of Qinghai Co., Ltd. No.58, Bayi Road, Xining City 8808832

48 Delingha Road Sub-Branch, Bank of Qinghai Co., Ltd. No.195, Delingha Road, Xining City 8149494

49Development Zone Sub-Branch, Bank of Qinghai

No.22, Kaiyuan Road, Xining City 8817385Co., Ltd.

50Chengnan New District Sub-Branch, Bank of Qinghai

Co., Ltd.

51 Traffic Lane Sub-Branch, Bank of Qinghai Co., Ltd.

Xining City, Dialling code: 0971 Golmud City, Dialling code: 0979 Yushu County, Dialling code: 0976

Hainan County, Dialling code: 0974 Huangzhong County,Dialling code: 0972

ANNUAL REPORT 2011



青海银行党委书记、 董事长： - bankqh · 2015. 3. 18. · 2. this annual financial...

Documents

青海银行党委书记、董事长： - bankqh · 2015. 3. 18. · 2. this annual financial...