The first online bank in China was China Bank, which started in 1997. In 1997, China Bank established its own website, and in the same year, it launched its own online bank "One Netcom", becoming the first online bank in New China.

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China Bank is the most internationalized and diversified bank in China, providing comprehensive financial services to customers in China Mainland and 41 countries and regions. Mainly engaged in commercial banking business, including corporate finance business, personal finance business and financial market business, and conducted investment banking business through its wholly-owned subsidiary BOC International Holdings Limited, insurance business through its wholly-owned subsidiaries BOC Group Insurance Limited and BOC Insurance Limited, direct investment and investment management business through its wholly-owned subsidiary BOC Group Investment Limited, fund management business through its holding subsidiary BOC Fund Management Limited, and aircraft leasing business through its wholly-owned subsidiary BOC Aviation Leasing Pte Ltd..

In the course of more than one hundred years' development, China Bank has always adhered to the spirit of pursuing Excellence, taking patriotism and love for the people as the soul of its operation, taking honesty as the foundation of its operation, taking reform and innovation as the compulsory road, and taking people as the foundation of its prosperity, and has established an excellent brand image, which has been widely recognized and praised by the industry and customers. Facing the new historical opportunity, China Bank will actively assume social responsibility, and striving to be the most corporate governance structure is the core of modern corporate system. China Bank always regards good corporate governance as an important means to enhance shareholder value and investor confidence. While creating good business performance, it continues to improve the corporate governance mechanism with clear rights and responsibilities, effective checks and balances and coordinated operation.

China Bank strictly abides by the Company Law, the Commercial Bank Law and other laws and regulations of the regulatory authorities, constantly formulates and updates normative documents on corporate governance based on its own practical experience, improves the modern joint-stock company governance structure constructed by the shareholders' meeting, the board of directors, the board of supervisors and the senior management, and continuously improves the corporate governance level.

Bank of China is one of the lending banks with strict requirements on conditions, and almost all the developers are engaged in loan business. Generally, bank loans in China require buyers to provide relatively strict certification procedures.

For example, the bank's running water for one year, the monthly income is twice the monthly repayment amount, and so on. These conditions just prove the rigorous attitude of China Bank in the face of housing loan, and better serve the buyers.

When the contract is signed, developers will recommend suitable banks to the buyers for loans. Generally, the interest rate of the first suite will be 1%. This preferential way allows more people to choose commercial loans. However, commercial loans are not as easy as expected.

a good bank will make new and greater contributions to the realization of the Chinese dream of the great rejuvenation of the Chinese nation.