Zhongyuan Bank offers a wide range of credit card limits, with a minimum approval limit of 10,000 yuan. However, the credit limit will be different depending on the card level and personal credit conditions. The bank credit card limit rule is to first stipulate a limit range for each level of credit card, and then conduct a comprehensive evaluation based on the application information provided, and grant credit within the card level limit range. The better the personal credit condition, the higher the credit limit.
The head office of Zhongyuan Bank Co., Ltd. is located in Zhengzhou City, Henan Province. Zhongyuan Bank has built a modern enterprise system and a corporate governance structure model of "three meetings and one layer", and implemented "one-level legal person, unified leadership, hierarchical operations, and authorized management" with a registered capital of 15.42 billion yuan, ranking first among city commercial banks in the country. , with 22 functional departments, including the head office business department, 17 branches and 444 sub-branches, and also initiated the establishment of 9 rural banks.
On February 22, 2016, Zhongyuan Bank’s cross-border RMB business qualification was successfully approved.
As of June 30, 2021, Zhongyuan Bank’s total assets were 753.002 billion yuan. The total amount of loans (excluding accrued interest) and deposit balances (excluding accrued interest) were 384.994 billion yuan and 448.500 billion yuan respectively, an increase of 7.8 and 5.5 respectively from the beginning of the year.
In the first half of 2021, Zhongyuan Bank achieved operating income of 9.718 billion yuan; pre-provision profit of 6.787 billion yuan; net profit of 2.112 billion yuan, a year-on-year increase of 4.2.
On October 27, 2021, Zhongyuan Bank announced that it planned to merge Luoyang Bank, Pingdingshan Bank and Jiaozuo China Travel Bank.
On December 17, 2014, the China Banking Regulatory Commission approved the establishment of Zhongyuan Bank.
On December 18, 2014, the founding meeting of Zhongyuan Bank was held.
On December 23, 2014, Zhongyuan Bank was registered and established.
On December 26, 2014, Zhongyuan Bank officially opened.
On February 22, 2016, Zhongyuan Bank’s cross-border RMB business qualification was successfully approved.
On August 31, 2016, Henan Banking Regulatory Bureau, in accordance with the Banking Supervision Law of the People's Republic of China and the State Council and the Implementation Measures of the China Banking Regulatory Commission for Administrative Licensing Matters of Chinese-funded Commercial Banks (China Banking Regulatory Commission) Order No. 2 of 2015) and other relevant regulations, after review, the reply is now approved as follows: It is agreed to prepare to establish the Luoyang Branch of Zhongyuan Bank Co., Ltd.
On December 20, 2016, the China Banking Regulatory Commission approved Zhongyuan Bank as the main investor to prepare to establish the first consumer finance company in Henan Province: Henan Zhongyuan Consumer Finance Co., Ltd. in Zhengzhou City.
Absorb public deposits; issue short-term, medium-term and long-term loans; handle domestic and foreign settlements; handle bill acceptance and discounting; issue financial bonds; act as an agent to issue, redeem and underwrite government bonds; buy and sell government bonds and financial bonds ; Engaged in inter-bank lending; buying and selling, and acting as an agent to buy and sell foreign exchange.
International settlement, foreign exchange guarantee, self-operated foreign exchange trading or foreign exchange trading on behalf of others, inter-bank foreign exchange lending, credit investigation, consulting and witnessing; engaging in bank card business; providing letter of credit services and guarantees; acting as an agent for collection and payment of payments and insurance agency business; provision of safe deposit box business; and other businesses approved by the China Banking Regulatory Commission.