The Bank of Communications stipulates that if the inquiry password and transaction password of a credit card are entered incorrectly for 6 consecutive times, the credit card will be locked; if the inquiry password is entered incorrectly 6 times in a row, the cardholder's online banking registration function will be locked.
At this time, the cardholder can only call the Bank of Communications Credit Card Center customer service hotline 4008009888 to manually unlock and then reset it.
Extended content:
Bank of Communications (BOCOM) was founded in 1908, with its head office in Shanghai. It is one of the oldest state-owned commercial banks in China. 1. It was also one of the note-issuing banks in modern China.
On April 1, 1987, the reorganized Bank of Communications officially opened for business and became China's first national state-owned joint-stock commercial bank. Bank of Communications was listed on the Hong Kong Stock Exchange and Shanghai Stock Exchange in 2005 and 2007 respectively. It was the first state-controlled large commercial bank listed overseas. The Ministry of Finance of the People's Republic of China, The Hongkong and Shanghai Banking Corporation Limited, and the Bank's Social Security Fund Council are the top three shareholders of Bank of Communications. As of the end of 2015, *** held 59.44% of Bank of Communications' shares.
Bank of Communications is one of the major comprehensive financial service providers in China and is becoming a large cross-market and international banking group with commercial banks as the main body. Its business scope covers commercial banks, investment banks, Securities, trusts, financial leasing, fund management, insurance, offshore financial services and many other fields. According to the 2017 Fortune 500 list of Fortune magazine, Bank of Communications ranked 171st in terms of operating income.
Bocom’s wholly-owned subsidiaries include BoCom Guosen International, BoCom Insurance and BoCom Financial Leasing, and its holding subsidiaries include BoCom Fund, BoCom Trust, BoCom Life and four BoCom villages and towns. bank. In addition, Bank of Communications is the largest shareholder of Jiangsu Changshu Rural Commercial Bank and the joint largest shareholder of Tibet Bank.
Development history:
In 1908 (the 34th year of Guangxu reign), Bank of Communications was founded.
After the founding of the Republic of China, the Bank of Communications was entrusted by the Central Bank to jointly undertake the treasury revenue and expenditure and the issuance and exchange of national currencies together with the Bank of China.
In 1928, the Legislative Yuan of the National Government passed the "Bank of Communications Regulations", and Bank of Communications became a bank dedicated to supporting farmers, miners and merchants. When Bank of Communications was established, its head office was located in Beijing.
In 1919, after the end of World War I, the Shanghai Branch of the Bank of Communications took over the four-story Renaissance-style building of the Dehua Bank located at No. 14, the Bund, in the Shanghai Public Concession.
In 1928, as the national political center moved from Beijing to Nanjing, the Bank of Communications also moved its head office to No. 14, the Bund, Shanghai.
In 1937, when the Anti-Japanese War broke out, Bank of Communications moved its head office to Chongqing.
From 1946 to 1947, the Shanghai Head Office was rebuilt into a 6-story building in the Art Deco style.
In 1951, the Bank of Communications' head office moved back to Shanghai, and the branch address at No. 14 on the Bund was occupied by the Shanghai Federation of Trade Unions.
In 1958, except for the Hong Kong branch, which continued to operate, Bank of Communications' domestic operations were merged into the local People's Bank of China and the People's Construction Bank of China (now known as China Construction Bank), which was established on the basis of Bank of Communications. Office:0939.
On July 24, 1986, in order to adapt to the reform and development of China's economic system and as a pilot project for financial reform, the State Council approved the reorganization of Bank of Communications.
On April 1, 1987, the reorganized Bank of Communications officially opened for business and became China's first national state-owned joint-stock commercial bank. Its head office is located at No. 200 Jiangxi Middle Road, Shanghai (formerly Jincheng Bank Building ); Currently, the Bank of Communications head office has moved to No. 188 Yincheng Middle Road, Pudong, Shanghai.
In June 2004, in the process of deepening China's financial reform, the State Council approved the overall plan for deepening the joint-stock reform of the Bank of Communications. The goal is to turn the Bank of Communications into a company with a sound corporate governance structure and sufficient capital. , a modern financial enterprise with strict internal controls, safe operations, good services and benefits, strong international competitiveness and a century-old national brand.
In 2004, the Hongkong and Shanghai Banking Corporation invested nearly US$1.7 billion to acquire a 19.9% ??stake in Bank of Communications.
On June 23, 2005, it was listed on the Stock Exchange of Hong Kong, stock code HKEx: 3328, becoming the first mainland Chinese commercial bank to be listed overseas.
In August 2005, Bank of Communications Schroder Fund Management Company was established as a joint venture with Schroder Group, the world's top asset management company. It is one of the first banking fund companies in China.
In August 2005, Bank of Communications Schroders Fund Management Co., Ltd. was established. Bank of Communications, Schroder Investment Management Co., Ltd., and China International Container Shipping (Group) Co., Ltd. *** jointly established Bank of Communications Schroder Fund Management Co., Ltd., Bank of Communications, Schroder Investment Management Co., Ltd., China International Container Shipping (Group) Co., Ltd. holds 65%, 30% and 5% of the shares respectively.
On April 25, 2007, Bank of Communications was issued on the Shanghai Stock Exchange, with the final price per share being RMB 7.90.
On May 15, 2007, Bank of Communications was listed on the Shanghai Stock Exchange, stock code: 601328.
On August 13, 2007, the Hang Seng Index Service Company announced that Bank of Communications H shares were a component stock (blue chip stock) of the Hang Seng Index, which took effect on September 10 of the same year.
On September 10, 2007, Bank of Communications H shares officially became a constituent stock of the Hang Seng Index.
On December 28, 2007, Bank of Communications invested 10% of Changshu Rural Commercial Bank in Jiangsu Province and became the largest shareholder.
In 2007, Bank of Communications merged and reorganized Hubei International Trust and Investment Co., Ltd., initiated the establishment of Bank of Communications Financial Leasing Co., Ltd. with regulatory approval, and established Bank of Communications International Holdings Co., Ltd. and its subsidiaries in Hong Kong. BOCOM International Asia Co., Ltd., BOCOM International Securities Co., Ltd., and BOCOM International Asset Management Co., Ltd. have taken solid steps in the field of comprehensive operations.
In 2008, Bank of Communications successfully invested in Changshu Rural Commercial Bank and initiated the establishment of Dayi Bank of Communications Xingmin Rural Bank.
On March 25, 2008, the Bank of Communications received the "... According to the "Report on Changes in Equity", Central Huijin plans to transfer the 3 billion H shares it holds in the Bank to the Ministry of Finance. After the completion of this share change, the Ministry of Finance holds 12,974,982,648 shares of the Bank (including H shares). 3,000,000,000 shares), accounting for 26.48% of the total share capital.
In 2008, after comprehensive analysis and discussion, the Bank of Communications further clarified "taking the road of internationalization and comprehensiveness" on the basis of inheriting the existing development goals and strategic transformation series of the Bank of Communications.
Starting from December 15, 2008, all branches of the Bank of Communications began to handle the daily switching business of Cinda Australian Bank Leading Growth and Cinda Australian Bank Essence Flexible Allocation Funds
2009. In 2010, Bank of Communications was approved to become the first domestic commercial bank with a domestic insurance license. The insurance company controlled by it, Bank of Communications Kanglian, was officially established in January 2010.
At the end of 2009, The total assets of Bank of Communications are 3.31 trillion yuan; the capital adequacy ratio is 12%; the return on average assets (ROAA) is 1.01%; the weighted return on average equity (ROAE) is 19.49%; and the impaired loan rate is 1.36%. The bank ranks 56th in terms of total assets and 49th in terms of primary capital.
In April 2010, Anji Bank of Communications Rural Bank was established.
In 2010. On June 6, Bank of Communications issued new shares in the form of A+H rights issue at a ratio of 10 shares to 1.5 shares, raising up to 33.071 billion yuan (RMB, the same below)
The bank will merge***. 7.349 billion new A and H shares were issued, of which A shares and H shares accounted for 52.92% (3.889 billion shares) and 47.08% (3.460 billion shares) respectively. The A share allotment price was RMB 4.5 per share and the H share allotment price was RMB 4.5 per share. At HK$5.14 per share, the A-share and H-share placement prices are the same. A-shares are expected to raise 17.5 billion yuan, and H-shares are expected to raise 15.6 billion yuan; the proceeds will be used to supplement capital to improve the core capital adequacy ratio.
On November 29, 2010, the Bank of Communications Taipei Representative Office was officially established in Taipei 101 Building. Bank of Communications became the first mainland bank to establish an institution in Taiwan. According to cross-strait regulatory regulations, the Taipei Representative Office of Bank of Communications is mainly engaged in non-operating activities such as financial market research and customer liaison, and will play an active role in learning from the advanced experience of Taiwan banks in products and services.
In May 2011, the Shihezi Bank of Communications Rural Bank was established.
On July 28, 2011, Bank of Communications invested RMB 300 million to acquire a 20% stake in the Bank of Tibet, which was under preparation.
On March 15, 2012, approximately 6.542 billion A shares will be issued to 7 subscribers including the Ministry of Finance, Social Security Fund, Shanghai Haiyan and Yunnan Hongta at a price of 4.55 yuan/share. ;Issued an additional 5.56 billion H shares at a price of HK$5.63 per share to seven subscribers, including the Ministry of Finance, HSBC and the Social Security Fund. The total amount of funds raised through private placement and placement is approximately RMB 56.57 billion.
During the 2013 New Year's Day holiday, Bank of Communications' e-banking services focused on improving customer experience and made full use of channel advantages to provide customers with safe and convenient financial services during the holiday. During the holidays, Bank of Communications' electronic channels processed 9.4 million transactions, of which 95559 telephone banking self-service voice (IVR) *** accepted 530,000 customer calls, an increase of 2.05% over the same period in 2012.
On August 30, 2013, at the 7th Shanghai Small, Medium and Micro Enterprises Financial Services Fair, as the chairman unit of the Shanghai Financial Federation, Bank of Communications held a special information conference on financial services for small, medium and micro enterprises. .
On October 13, 2014, 360 Security Guards officially issued an emergency notification stating that the official website of Bank of Communications’ mobile banking suddenly experienced access redirection. When users use a computer to access Bank of Communications mobile banking, the page will jump to the advertising page of a third-party website, but they can access it normally using a mobile phone. 360 has notified Bank of Communications for processing.
On May 7, 2015, Bank of Communications (Luxembourg) Co., Ltd. was officially established, marking the birth of the bank’s first subsidiary bank in the Eurozone.
On the evening of June 16, 2015, Bank of Communications issued an announcement stating that the company’s deepening reform plan had been approved by the State Council.
In July 2015, Bank of Communications successfully joined the London Bullion Market Association (LBMA) and was officially granted ordinary membership status by the association, becoming the fourth Chinese bank to successfully join the association.
On February 25, 2016, China's five major state-owned commercial banks, Bank of Communications, Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China and China Construction Bank, joined forces to hold a signing ceremony in Beijing. The five major banks have promised to waive handling fees for domestic RMB transfers and remittances handled by customers through mobile banking, and to waive handling fees for domestic RMB online banking transfers and remittances of less than RMB 5,000 to reduce customer expenses.
According to the 2016 ranking of the Fortune 500 companies in the United States, Bank of Communications ranked 153rd in terms of operating income.
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