Ping An Bank, whose full name is Ping An Bank Co., Ltd., is a cross-regional joint-stock commercial bank controlled by Ping An Insurance (Group) Co., Ltd. of China. It is one of the 12 national joint-stock commercial banks in mainland China.
The registered capital is RMB 5.12335 billion, with total assets of nearly 1.37 trillion yuan. It is headquartered in Shenzhen, Guangdong Province.
Ping An Bank Services: Retail Business In terms of retail business, Shenzhen Ping An Bank was the first in the country to launch a composite electronic debit card integrating IC chip and magnetic stripe, and was the first to launch a dual-currency international debit card.
In August 2007, we grandly launched a comprehensive service product: "Jixiang" debit card, which integrates deposits and withdrawals, POS consumption, salary payment, bill payment, online payment, and financial management.
Shenzhen Ping An Bank has also launched special service products such as Express Express, Express Express and Hong Kong Express.
In addition, following the launch of the "Yingfeng" series of financial products, Shenzhen Ping An Bank launched a new wealth management service brand "Anying Financial" for high-end individual customers, allowing the bank's VIP customers to enjoy a full range of value-added wealth management services with peace of mind.
Credit card business In terms of credit card business, Shenzhen Ping An Bank attaches great importance to the credit card business. After jointly launching the "China Ping An Wanli Tong Co-branded Credit Card" with China Ping An Group on May 21, 2007, it launched the "Ping An" credit card in August 2007.
Shenzhen Ping An Bank is committed to creating a "safe" credit card, providing cardholders with all-round safety protection of "consumption safety, home safety, and travel safety", allowing cardholders to experience "one card, safety and security" anytime and anywhere.
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Corporate Business In terms of corporate business, Shenzhen Ping An Bank aims to provide high-quality and efficient services to small and medium-sized enterprises, and strives to build a small and medium-sized enterprise financial brand (SME). With professional teams, professional products, professional services, and professional management,
Carry out many innovations in the small and medium-sized enterprise business field.
Through in-depth market research, we formulate flexible credit policies that meet market needs, continuously simplify business processes, and improve approval efficiency; we expand financial service channels for small and medium-sized enterprises by effectively integrating diversified service platforms such as business outlets, online banking, and telephone banking.
, helping Chinese customers solve financing problems, improve the efficiency of fund use, and leverage the resource advantages of Ping An Group of China to provide a package of comprehensive financial services to create maximum value for customers.
In terms of international business, Shenzhen Ping An Bank has launched dozens of new international business varieties such as forfaiting, risk sharing, and issuance of certificates on behalf of other banks, and has developed nearly 500 agency banks around the world.
As a primary dealer in the open market of the People's Bank of China, the transaction volume in domestic and foreign currency money markets and bond markets has doubled year after year. It ranks among the top 20 settlement member banks in the national inter-bank bond market and has been rated as an outstanding transaction settlement unit many times.
Basic platform In terms of basic platform, as a bank with the service tenet of "professionalism, value and innovation", Shenzhen Ping An Bank innovatively developed the first large-scale, large-capacity AS/400 integrated business system in Shenzhen, and was the first to launch customer relations
Integrated with the credit business management system, it realizes the electronic management of the entire credit business process.
“18 Bank Online” has reached the advanced level of domestic online banking. Mobile phone dynamic password authentication, dynamic token identity authentication, and corporate banking risk control mechanisms are all the first in the industry.
The "Shenzhen University Campus Card" innovatively launched with Shenzhen University integrates financial functions and campus functions, creating many domestic firsts and greatly improving the level of campus management.
In terms of unsecured loans, Ping An Bank has launched the "Xinyidai" unsecured personal loan business, which is aimed at salary earners and private owners, and can be used for business or personal consumption (including car purchases, renovations, large purchases, etc.).
The maximum loan available is RMB 500,000.
Highlighted Businesses: Starting from July 1, 2009, Ping An Bank has launched three electronic banking service commitments for individual customers: free global ATM withdrawals with debit cards, free personal online banking remittances, and Ping An Bank will compensate for personal bank losses that are not the fault of the customer.
Service standards hit a new high in the industry.
The "Three Major Commitments" not only enabled the bank to break through branch restrictions, but also solved in one fell swoop the security concerns that had long plagued customers' use of online banking, which was a major breakthrough in the country.
Within a week, the number of people browsing the "free" information webpage of Ping An Bank has reached 150 million, and more than 2 million people have visited the bank's commitment area.