1、愿景Vision成為“為客戶提供最佳服務、為股東創造最大價值、為員工提供最好發展機會”的國際一流商業銀行。“We seek to become a world-class commercial bank by providing the best services to our customers, creating the highest value for our shareholders and offering the most valuable career development opportunities to our staff.”12006年度企業社會責任報告Corporat

2、e Social Responsibility Report 2006目錄Table of Contents董事長的一封信 2Letter from the Chairman行長的一封信 4Letter from the President与客戶同發展 与社會共繁榮 6Develop simultaneously with customers; and prosper concurrently with society 對國家的責任 8Responsibility towards the State對客戶的責任 14Responsibility towards our customers對股東

3、的責任 28Responsibility towards our shareholders對員工的責任 32Responsibility towards our staff積極支持社會公益事業 36Whole-hearted support for public welfare services中國建設銀行2006年企業情況概覽 44CCB Profile 2006中國建設銀行大事記表 46Milestones of CCB建設銀行全力支持2007世界夏季特殊奧林匹克運動會 48CCBs Full Patronage for the 2007 Special Olympics World Su

4、mmer Games2董事長的一封信Letter from the Chairman2006年，中國經濟發展取得了令人矚目的成就，實現了第四年連續兩位數的經濟增長，物價低位平穩運行，給百姓生活帶來實惠，企業也獲得了更多的發展機遇，經濟與社會發展的協調性不斷增強。同時我們也看到，我們的國家仍然面臨着城市與農村、東部與西部、經濟增長與資源節約等方面尚不能均衡發展的挑戰，面臨着就業、貧困、醫療、教育、環保等社會問題。因此，落實科學發展觀、構建和諧社會，實現整個社會的公平、公正和協調發展，仍然是任重道遠，需要全社會包括每一個企業、每一個公民的參與和努力。中國建設銀行是中國四大商業銀行之一，在國內金融行

5、業的改革開放中居於領先地位。多年以來，建設銀行穩健發展，在兼顧國家、客戶、股東和員工利益的同時，始終關注着社會所面臨的問題與挑戰，努力結合建設銀行的專業優勢和實際情況，積極支持國家經濟建設和社會發展，支持文化教育、關懷弱勢群體、扶貧救困、環境保護等社會公共事業，為促進社會的和諧發展、推動社會進步付出了應有的努力。2006年，建設銀行取得了良好的經營業績，建設銀行股票每股盈利人民幣0.21元，平均股東權益回報率達到15%。我們深知建設銀行重組改革的成功離不開政府的扶持，經營業績的取得離不開廣大投資者、客戶和社會各界的支持。我們也始終不忘對國家和社會的責任，把承擔企業社會責任貫穿於經營管理的各項活

6、動之中，同時，對如何更好地履行社會責任，還在不斷地思考和探索。作為公開上市的公眾銀行，建設銀行始終堅持履行社會責任，具體說來有以下六個方面：一是保持企業的可持續發展，為股東創造最大價值，這是我們的基本責任；二是支持國家宏觀經濟政策，服務社會經濟建設；三是不斷進行產品和服務創新，為客戶提供最好的服務；四是將業務拓展與全社會關注的問題緊密結合，大力促進民生改善；五是尊重員工權益，全力構建和諧企業；六是關心社會弱勢群體，積極投身各種公益事業。為了讓大家瞭解建設銀行在承擔企業社會責任方面付出的努力，從今年起，建設銀行開始發佈企業社會責任報告。在這份報告中，我們簡要回顧了以往年度建設銀行如何履行社會責任

7、，並介紹了2006年度承擔社會責任的情況。通過這份報告，我們向所有建設銀行的投資者、客戶、員工和社會公眾承諾，建設銀行在努力實現健康快速發展的同時，將兼顧各方利益，堅持不懈地承擔起對社會的責任，為增加社會公共財富和維護公眾利益、為建設和諧社會付出我們最大的努力。最後，我代表董事會感謝社會各界以及廣大股東、客戶長期以來對建設銀行的關注和支持，同時也向全行30萬員工一年來的辛勤工作表示感謝。中國建設銀行股份有限公司董事長郭樹清中國建設銀行股份有限公司 董事長 郭樹清Guo Shuqing Chairman China Construction Bank Corporation32006年度企業社會

8、責任報告Corporate Social Responsibility Report 2006In 2006, China recorded notable achievements in its economic development: it was the fourth successive year in which there was double-digit growth in the economy and prices were creeping steadily at low levels. As people were provided with tangible bene

9、fits and enterprises were presented with additional opportunities for development, coordination in economic growth and social development had increased continuously.At the same time, our nation is still facing challenges resulting from imbalanced developments between the cities and the rural areas,

10、between the east and the west, and between economic growth and the conservation of resources. As well, the nation has to tackle the social problems of unemployment, poverty, medical care, education and environmental protection. Therefore, there are still many long-term and arduous tasks ahead of us

11、if we were to implement a scientific development strategy, construct a harmonious society and realise fair, equitable and coordinated development for the whole society. To undertake such tasks will require nothing less than the participation and dedication of society as a whole, and of every enterpr

12、ise and every individual in particular.As one of the four largest commercial banks in China, China Construction Bank Corporation (“CCB”) is a pioneer in the reform and opening up of the domestic financial industry and, over the years, has engaged in prudent development. While acting in the interests

13、 of the State, its customers and its shareholders, it has always been concerning itself with the problems and challenges facing society. By striving to forge a linkage between its professional advantages and real-life situations, it is vigorously contributing towards the economic and social developm

14、ent of the country. Through its participation in such social causes as supporting cultural and educational development, caring for underprivileged groups, relieving the poor and the distressed as well as protecting the environment, CCB is duly contributing to promoting social harmony and progress.In

15、 2006, CCB achieved sound operating results: its earnings per share had amounted to RMB 0.21, representing an average return on equity of 15%.We are well aware that CCBs success in reforming and restructuring would not have been possible without the support of the government, and its sound operating

16、 results would not have been achieved without the support of its investors, customers and the community. For that very reason, we are always mindful of CCBs duty to the State and to society, so much so that we have integrated the undertaking of corporate social responsibility to every facet of our o

17、peration and management activities. Meanwhile, we are incessantly exploring and investigating ways to improve our performance in corporate social responsibility.As a publicly listed and publicly held bank, CCB has been insisting on carrying out its corporate social responsibility, particularly in th

18、e following six areas:First and foremost, we shall maintain sustainable development for the enterprise and shall create maximum value for our shareholders; these are our basic responsibilities. Second, we shall support the macro-economic policies of the State and shall contribute towards social econ

19、omic development. Third, we shall keep on innovating our products and services so as to deliver the best services to our customers. Fourth, we shall take the development of our business and the concerns of society as an integrated issue and shall vigorously facilitate the improvement of the liveliho

20、od of the people. Fifth, we shall respect the rights of our staff and shall commit fully to structuring a harmonious enterprise. Sixth, we shall care for underprivileged groups in society and involve actively in various causes of the public good.In order to provide the public with a better understan

21、ding of our efforts in fulfilling our corporate social responsibility, we shall release reports on corporate social responsibility beginning this year. In the present report, we are giving a brief review of CCBs efforts in the previous years, which will be followed by a description of our performanc

22、e in undertaking corporate social responsibility in 2006.Through this report, we are making a pledge to all CCB investors, customers, staff members and the public that, while we are exerting ourselves to achieve healthy and vigorous growth for CCB, we shall also give consideration to the interests o

23、f other parties and shall relentlessly undertake our corporate social responsibility. We shall do our utmost to enhance social wealth, to protect public interests and to build a harmonious society.Last but not least, I would like to express, on behalf of the Board of Directors, I would like to expre

24、ss our gratitude to the community and to our shareholders and customers for their continued concern and support. And I would like to thank our 300,000 or so staff for their diligent services in the past year.Guo ShuqingChairmanChina Construction Bank Corporation4行長的一封信Letter from the President我喜悅地告訴

25、大家，2006年建設銀行積極落實股東大會、董事會制定的發展戰略和經營方針，業務得到快速增長，取得了良好的經營效益，實現稅前利潤人民幣657.17億元，較上年增加人民幣103.53億元，增幅為18.7%。在取得良好業績的同時，我同樣欣悅地報告，中國建設銀行在承擔企業社會責任方面也交出了一份令人滿意的答卷。2006年，建設銀行積極支持國家宏觀調控政策和產業發展政策，嚴格將信貸發展規模控制在政府要求的範圍之內，加強對能源、交通運輸及石油化工等重點優質行業的金融服務力度。在為客戶提供最優質的產品和服務方面，我們通過“客戶之聲”調查，深入瞭解客戶對我行個人貸款產品與服務的評價，並以此為依據進行內部流程的

26、優化和產品的創新。同時，我們持續關注不同收入群體對金融服務的需求，為中小企業、個人創業者、貧困學生提供“速貸通”、“成長之路”、“個人助業貸款”、“助學貸款”等多項產品和服務，幫助他們改善創業、求學條件，實現成功夢想。我們關注百姓的住房問題。2006年我們針對購房百姓不同的需求和還款能力，推出固定利率個人住房貸款等新產品，出臺“十項服務措施”為客戶提供多種選擇的還款方式。我們欣喜地看到2006年建行個人住房貸款獲得快速增長，成為目前國內最大的個人住房按揭貸款銀行。我們也始終關注中國的環境保護問題。在2006年制定的大中型客戶授信審批五項基本原則中，再次嚴格要求全行把環保指標達標作為對大中型客戶

27、授信准入和審批的重要依據，要求貸款項目必須符合國家有關環境保護政策的要求。在關心員工，為員工提供最好的發展機會方面，我們通過“員工之聲”調查，建立企業與員工溝通的有效機制，並正在研究實施領導力模型和新入職計劃，以促進員工職業發展規劃。對員工的生活我們也給予了更多的關注和關心，2006年我們調整了基層最低收入員工的薪酬水平，使他們的工資不低於所在地區最低工資標準。我們還通過“職工互助基金”救助那些因疾病、意外事故使家庭面臨困難的員工。我們衷心地希望通過我們的共同努力，建設銀行30萬員工都能擁有良好的職業發展前景和平安快樂的生活。2006年，在支持教育文化事業、幫助弱勢群體、扶貧救困等方面，建行不

28、僅向社會提供公益性捐助款項人民幣2,168萬元，還積極鼓勵員工參與和支持公益事業。比如為幫助貧困兒童返回校園，我們與中國少年兒童基金會合作，通過5000個營業網點為貧困兒童募集捐款，建行員工為此付出了辛勤的努力。社會各界對建設銀行在社會公益事業上做出的貢獻給予了認可和鼓勵。2006年建設銀行獲得中國少年兒童基金會頒發的“關愛兒童突出貢獻獎”、中國扶貧基金會頒發的“第二屆中國消除貧困特別貢獻獎”、中國紅十字基金會頒發的“2006最具責任感企業”等多個獎項和榮譽。2007年，我們將在實現年度經營目標的同時，繼續履行好我們的社會責任，繼續為文化教育、弱勢群體、貧困災害救助提供支持和捐助。同時還將鼓勵

29、我們的員工作為志願者投入到社會公益事業中，與建設銀行一起為建設和諧社會作出努力。中國建設銀行股份有限公司 副董事長、執行董事及行長 張建國Zhang Jianguo Vice Chairman, Executive Director and President China Construction Bank Corporation52006年度企業社會責任報告Corporate Social Responsibility Report 20062007年，建設銀行將贊助在中國上海舉行的2007世界夏季特殊奧林匹克運動會，通過我們在中國11個城市的網點以及在香港的子公司幫助特奧會進行宣傳和募捐，

30、為來自世界各地的特奧會運動員、特奧會志願者提供支持和幫助，使他們能夠在特奧會上充分發揮潛能，展示勇氣，增強自信，和所有人分享快樂。新的一年將是充滿挑戰和機遇的一年，我願意與建設銀行30萬員工一起，努力實現我們的經營目標。同時，我們將認真履行回報社會的承諾，為促進社會的和諧發展付出我們的愛心和不懈的努力。中國建設銀行股份有限公司副董事長、執行董事及行長張建國I have the pleasure of reporting to you that, as a result of implementing the development strategies and operating polici

31、es as laid down by the General Meeting of Shareholders and the Board of Directors, CCB has achieved rapid business growth and sound operating results in 2006. Profit before tax was RMB65.717 billion, representing a year-on-year growth of RMB10.353 billion or 18.7%.I am equally pleased to report that

32、, while delivering impressive business results, CCB has also been able to present a satisfactory report on corporate social responsibility.In 2006, CCB actively supported the governments macro-control measures and industrial development policies. It exercised stringent controls to keep lending growt

33、h within government mandated ranges and tightened financial services to key high-grade industries in energy, transportation and petrochemical processing.In a bid to offer the best possible products and services, we had conducted a “Voice of Customer” survey, thereby gaining in-depth understanding of

34、 our customers appraisal of our personal loans products and services. On the basis of this survey, internal processes had been optimized and product innovations had been carried out.Meanwhile, we continued to pay attention to the financial service needs of different income groups. Consequently, we h

35、ad designed product packages such as “Quick Finance”, “Road to Growth”, “Personal Business Loans” and “Education Loans” to meet the needs of small and medium-sized enterprises, entrepreneurs and needy students, helping them realise their dreams in starting their businesses or in the pursuit of educa

36、tion, etc.We were concerned with the housing problems faced by the public. In 2006, to meet the different demands and different repayment abilities of home buyers, we launched products such as fixed rate loans and had implemented the “Ten Service Measures ” to offer customers with various repayment

37、methods. We are pleased to report that the Individual Residential Mortgage Loans had seen tremendous success and CCB has become domestically the largest bank offering individual residential mortgage loans.Environmental protection is another of our long-standing concerns. In the “Five Basic Principle

38、s for Approving Credit Lines for Large and Medium-sized Customers” formulated in 2006, we reiterated that meeting environmental targets would be a major criterion in approving credit lines for such customers. Thus, projects to which prospective loans would apply must comply with the requirements of

39、relevant State environmental protection policies.As to our staff, we are always striving to provide them with the best opportunities for development. Beginning with a “Voice of Associate” survey, we have put in place an effective platform for communication between the staff and management. We are no

40、w studying the introduction of a new leadership model and the implementation of a new on-boarding plan as ways to facilitate staff professional development planning. In 2006 we adjusted the wages of grass-root level staff to ensure that they would not receive less than the minimum wages stipulated b

41、y the respective locality of their workplace. Through our “Staff Mutual Aid Fund”, we have been able to provide financial assistance to families of employees in difficult situations as a result of such employees suffering from illnesses or accidents. We sincerely hope that, through our concerted eff

42、orts, all 300,000 CCB employees will be able to have a bright career prospect and will lead a peaceful and happy life.In 2006, CCB donated RMB21.68 million to support various charity causes such as supporting education and cultural programmes, providing assistance to underprivileged groups and relie

43、ving the poor and the distressed. In addition, we had encouraged our staff to participate in and support such causes. For example, in helping needy children to resume schooling, we had cooperated with China Children & Teenagers Fund and made available 5,000 CCB outlets to collect donations. Employee

44、s in these outlets had devoted tremendous efforts to supporting this campaign.CCBs contributions to public welfare had received much recognition and encouragement. In 2006, CCB was named “Most Caring Organization for Children” from China Children & Teenagers Fund, the “2006 Special Contribution to P

45、overty Alleviation Award in China” from China Foundation for Poverty Alleviation, and the “Most Responsible Corporate Citizen ” for 2006 by the Red Cross Society of China.In 2007, we will continue to honour our social responsibility in the course of attaining our annual business goals. We will conti

46、nue to offer supports and donations to cultural and educational programmes, to assist underprivileged groups and to relieve the poor and the distressed. We will also encourage our staff to volunteer their services to social welfare causes so that they can join hands with CCB in building a harmonious

47、 society.This year, CCB will be sponsoring the 2007 Special Olympics World Summer Games to be held in Shanghai. Through our outlets in 11 cities and our Hong Kong subsidiaries, we will help the Special Olympics to run a promotion and donation campaign. This way, we are lending our support and help t

48、o the athletes and volunteers from around the world, enabling them to fully realise their potentials and show their courage, boosting their confidence and giving them a chance to share their joy with everyone.The forthcoming year will be one with a lot of challenges and opportunities. I would very m

49、uch like to work with all 300,000 CCB staff to attain our business goals. Meanwhile, we will seriously undertake our pledge to reciprocate society, and dedicate our care and unremitting efforts to help foster social harmony.Zhang JianguoVice Chairman, Executive Director and PresidentChina Constructi

50、on Bank Corporation6與客戶同發展 與社會共繁榮Develop simultaneously with customers; and prosper concurrently with society As a nationwide commercial bank offering comprehensive banking services, CCB is an important constituent of Chinas financial service infrastructure. Through its extensive branch network, it