Vigorously support local economic construction
Since its establishment, Shanghai Bank has been relying on and serving the local economy, constantly improving its financial service function, devoting itself to urban economic construction, vigorously supporting key municipal projects and regional economic construction in various places, and has successively participated in a number of urban economic construction projects, such as deep-water port development, World Expo demolition, urban old district reconstruction, rail transit, low-and medium-priced housing development, and city appearance and environmental protection projects. It has strongly supported local economic construction and has become an important new force in local economic construction. In recent years, according to its own development plan, Bank of Shanghai has set up branches nationwide step by step, rationally arranged outlets, actively participated in the construction of urban infrastructure and public utilities, supported people's livelihood projects, and provided financing, consulting, project supervision and other services for related projects. We will actively and effectively promote regional economic development by strengthening communication with local government departments and establishing cooperative relations between banks and governments. In addition, in addition to providing traditional financing and settlement services, Shanghai Bank has successively launched special services such as accounts receivable financing, corporate account overdraft, CITIC policy pledge financing, online payment at China electronic port, online payment at customs clearance, cash management platform, check through train and official card, which has formed the characteristics of diversified service means and services.
Bank of Shanghai actively carries out various forms of financial innovation, and constantly improves its financial service function for the local economy. While supporting local construction with traditional credit products, it has successively launched a number of financing businesses, such as local and foreign currency guarantee, industrial housing development loan, industrial housing mortgage loan, domestic factoring, corporate overdraft loan, CITIC Insurance policy pledge loan, warehouse receipt pledge, letter of credit, packaged loan, import and export bill of exchange and so on, and at the same time continuously increased the innovation of the company's financial products. Independently developed and launched new financial services such as "Bank Medical Link", social security card and bank card binding payment system, "Anjiabao" commodity residential maintenance fund supervision, direct connection between banks and enterprises, financial fund payment system, and "Customs clearance treasure" EDI electronic payment system, which formed the characteristics of diversified loan varieties and diversified financing means; And set up a "365 collection network" to provide convenience for customers; According to the general idea of "one industry is particularly strong and many industries develop" in the economy of districts and counties, we supported the construction of one industry with special strengths in all districts and counties, and signed a cooperation agreement on one industry with 13 districts and counties in Shanghai to become the host bank of this work.
Actively support the development of small businesses
With the business philosophy of "integrating wisdom into money and growing together" and the goal of becoming the best characteristic bank for small businesses, Shanghai Bank provides financial solution services for small businesses in different industries and growth stages, including account settlement, capital turnover, real estate purchase, trade financing and wealth management appreciation, especially for those with high growth.
Bank of Shanghai deeply studies the characteristics of various customer segments, develops mass marketing schemes, builds mass marketing platforms, and promotes the innovation of marketing methods for small enterprises. In recent years, in addition to consolidating the existing two-level policy guarantee platform and financing platform for scientific and technological enterprises in urban areas, Shanghai Bank has also actively docked the business opportunities for the development of modern service industries in the Yangtze River Delta, and explored the establishment of supply chain financing platforms, energy-saving financing platforms and cultural industry financing platforms.
In addition, relying on the advantages of the national comprehensive economic department and Shanghai Bank, Shanghai Bank has extended its financial services to small and medium-sized enterprises to diversified social services, and integrated the financial services and social services of small and medium-sized enterprises through the Shanghai Small and Medium-sized Enterprise Service Center jointly established with the China Small and Medium-sized Enterprise Foreign Cooperation Coordination Center of the former State Economic and Trade Commission (now the National Development and Reform Commission), in terms of financial financing, talent development, information consultation, technical support, market development, foreign cooperation and exchange, etc.
Small and medium-sized enterprises are important clients of Shanghai Bank. In order to fully support the development of small and medium-sized enterprises, Shanghai Bank stepped up the pace of business innovation to meet the financing needs of different stages of enterprise life cycle, and founded the brand of "Convenient Loan for Small and Medium-sized Enterprises", which includes 7 series and more than 1 business types, covering three types of needs of enterprises, such as replenishing working capital, purchasing fixed assets and trade financing, and providing enterprises with a complete credit solution for small and medium-sized enterprises. Among them, with the government-funded small business guarantee funds, the market share of small business credit guarantee loans has remained above 5% in the city.
In addition, Shanghai Bank has jointly launched the "Small Business Financial Service System" with China Development Bank, China Economic and Technological Investment Guarantee Company Shanghai Branch and Shanghai Technology Property Exchange. Provide "little giant" training services for small and medium-sized enterprises; Open a tailor-made website for Chinese enterprises. These measures not only provide comprehensive services for small and medium-sized enterprises in financing, talent development, information sharing, technical support, online consultation and foreign cooperation and exchange, but also actively support the healthy development of small and medium-sized enterprises, and make useful explorations for establishing and improving the socialized service system for small and medium-sized enterprises.
in p>25, guided by differentiated marketing, with the support of relevant departments and in line with the idea of "special team, special authorization, special examination and approval, special pricing, special incentive and restraint", Shanghai Bank equipped a special team of account managers to carry out the "try first" work of small enterprise credit business.
Make great efforts to support the development of Hong Kong and Taiwan-funded enterprises
As early as 2, Shanghai Bank established close cooperative relations with Shanghai Commercial Bank (Hong Kong) and Shanghai Commercial Savings Bank (Taiwan Province) due to natural origin. Under the background of the increasingly close linkage development of the three economies, the business of Shanghai, Hong Kong and Taiwan has become one of the outstanding competitive advantages of Shanghai Bank.
At present, "Shanghai Bank" in Shanghai, Hong Kong, Taiwan and Hong Kong has strengthened the exchange of cross-strait policy information and correctly interpreted all kinds of information to ensure the legal and compliant development of business cooperation. The three banks have the courage to explore, make unremitting efforts and continue to cooperate in promoting the sharing of customers' resources, the promotion of * * * with the same image, the complementary advantages of joint marketing for Hong Kong and Taiwan customers, product development and innovative cooperation, etc. The scope of business cooperation has developed from the initial stage of brand building, customer recommendation and information inquiry to more business cooperation stages such as benefit sharing cooperation mechanism and account supervision. Shanghai Bank promised to launch special credit measures for Taiwan-funded enterprises in the three places, and provide differentiated services in terms of approval process, product price and service response speed.
Give full play to the characteristics of citizen banks
With the tenet of "from the people and serving the people", Shanghai Bank has continuously developed new business products, improved service channels, improved service quality and scientific and technological content, and strived to build a brand of financial services. While providing more public financial services and constantly improving wealth management, Shanghai Bank has launched a variety of supporting services, including individual house purchase, car purchase financing and supporting services, personal durable consumer goods loans and business assistance services, personal study abroad loans and a variety of personal pledge loan financing services. Continue to launch "Shenka" series products including credit cards, debit cards, IC smart cards and other series of bank card products; Click the mouse to rest assured that the second-hand housing transaction fund supervision business "Yinfangtong"; A "paid treasure" product integrated with various automatic transfer services. At present, Shanghai Bank has opened personal online banking, which has realized online transfer and inquiry functions. The 962888 customer service hotline was launched to provide customers with safe, convenient, all-weather and one-stop modern financial services.
As a citizen bank, Bank of Shanghai actively supports the government's practical projects that benefit the people, and has successively undertaken batch payment projects such as pension, medical insurance, sporadic medical expenses reimbursement and sunshine salary. At the same time, it has established agency cooperation relations with a number of insurance, securities and fund companies, launched agency securities business and fund products, and continuously launched RMB and foreign currency wealth management products to provide comprehensive services for individual customers.
in view of the increasing demand for wealth management by the people's wealth growth, and adhering to the service concept of "devote all your wisdom to your exclusive use", Bank of Shanghai has launched the brand service of "Huitong Wealth Management" for middle and high-end customers, providing them with exclusive wealth management team service, exclusive channel service, exclusive investment and financing wealth management products service, exclusive interest rate and rate preferential service, exclusive comprehensive information service, exclusive VIP courtesy and caring service. At present, Shanghai Bank has set up 22 Huitong wealth management centers to provide all-round wealth management services. These include: adhering to the principle of stability, innovating the product line, and circulating 12 series of "Huicai" family wealth management products in 8 series, thus meeting the asset allocation needs of customers with different maturities, currencies and risk levels; Have a professional financial management team that supports the qualifications of financial planner (AFP), international financial planner (CFP) and registered financial planners (RFP), and provide comprehensive investment demand analysis and financial planning proposal for customers; Continue to enrich the connotation and quality of "Huitong Wealth Management" service, and "Shanghai Bank" in Shanghai, Hong Kong and Taiwan jointly launched the "VIP Channel" service.
At present, Shanghai Bank has 28 outlets, including 96 "365-day service" outlets; 35 24-hour self-service banks; There are more than 8 million individual customers, and savings deposits have exceeded 5 billion yuan.
Enlarge and strengthen emerging financial markets
Based on the principle of "honesty, trustworthiness, equality and mutual benefit", Shanghai Bank has been widely involved in emerging financial markets such as inter-bank bond market, borrowing market, bill market, foreign exchange market and gold market, and has won market recognition with its strong financial strength, sound business philosophy and scientific operation management. As one of the first members of the inter-bank bond market, a primary dealer in the open market and a member of the underwriting syndicate of major bond issuers such as the Ministry of Finance and China Development Bank, Shanghai Bank ranked among the top ten in the country in terms of transaction volume and transaction number for many years, and was the first to obtain the qualification of market maker in the inter-bank bond market, member of the SHIBOR quotation group and the qualification of bond lending business in the national inter-bank bond market. Shanghai Bank also has the qualification of underwriting short-term financing bonds and RMB interest rate swap business, and is the first city commercial bank to obtain the qualification of derivative products business. At the same time, Bank of Shanghai has also provided various financial services, including gold (platinum) trading agent, bond settlement agent, investment and financial plan design and asset management consulting, to share market information and management experience with customers. In addition, Shanghai Bank also has the qualification of a new share capital verification bank and a securities transaction settlement fund depository bank (including the host depository bank, settlement bank, corporate depository bank and business department depository bank), and is the only depository bank in the national city commercial banking system that has obtained four types of qualifications.
At present, Shanghai Bank * * * has opened the bank-securities transfer business with 75 securities companies as legal persons or business departments, and established a bank-securities one-account cooperative relationship with 3 securities companies as legal persons. At the same time, Shanghai Bank is also the only city commercial bank that has obtained the qualification of depository and settlement of various securities trading settlement funds, with nearly 24 special deposit accounts for various securities trading settlement funds.
products and services
handling local and foreign currency deposits and loans, and domestic and international settlement; Handle acceptance, discount and interbank borrowing of local and foreign currency bills; Providing local and foreign currency guarantees; Issuing financial bonds; Underwriting, buying and selling, issuing and paying government bonds; Handling entrusted loan business; Provide letter of credit service and guarantee; Foreign exchange remittance and exchange; Settlement and sale of foreign exchange; Credit investigation, consultation and witness business; Foreign exchange borrowing, self-management and foreign exchange trading on behalf of customers; Agency receipts and payments and insurance agency business; Provide safe deposit box business; Other businesses approved by the People's Bank of China.