Founded on December 29, 1995 and headquartered in Shanghai, Bank of Shanghai Co., Ltd. (here in after “the Bank”), is a joint-stock commercial bank formed by state-owned shares, Chinese corporation-owned shares, foreign corporation-owned shares, and individual-owned shares, and its current registered capital is RMB 4.234 billion.

Ever since its founding, the Bank has been committed to supporting the social and economic development and has followed the service philosophy of “With Care, With You” as it strives toward the goals of stable operations, standardized management, and the maximization of its strengths. In the process of providing high-quality financial services to the public, the Bank has gradually formed its own business features and has created good social benefits and business results to become a new-type joint-stock commercial bank with energy and enjoys excellent brand image among the public.

After first receiving approval in 2005 to embark on cross regional development among the city commercial banks in China, the Bank established branches in Ningbo, Nanjing, Hangzhou, Tianjin, Chengdu, Shenzhen, Beijing, and Suzhou, allowing its business networks to spread across the Yangtze River Delta, the Pearl River Delta, around the Bohai Bay Region, and into the central and western regions, preliminarily forming the strategic framework for regional presence in China. Currently, the Bank has more than 270 business outlets with more than 170 self-service banks, and more than 2,000 self-service terminals (ATMs, CDMs, XDMs, and ASMs.) The Bank has established correspondent banking relationship with nearly 600 bank headquarters and branches in 70 countries and regions. In addition, the Bank has independent licensed organizations such as Credit Card Center and Financial Services Center for Small Enterprises and two subsidiaries including Shanghai Minhang BOS Rural Bank, Zhejiang Quzhou Qujiang BOS Rural Bank, Jiangsu Jiangning BOS Rural Bank and Chongzhou BOS Rural Bank.

In recent years, the market competitiveness and influence of the Bank have been continually gaining momentum. In the list of the “Top 1,000 Banks in the world” released by The Banker, it ranked No.194 in the world in terms of tier one capital. The Bank had also been crowned by The Asian Banker as “China’s best urban retail bank” for many times. The Bank has received numerous excellent titles such as “Shanghai Famous Brand”, “Most Valuable Service Brand in Shanghai”, “National Outstanding Unit for Small Business Loans”, “Outstanding Bank for Customer Service to Small Business”, “National Outstanding Unit for Re-employment” and “National Outstanding Trading Member of the Inter-bank Market” and has won honors such as “Shanghai World Expo Financial Service Excellent Unit” and “Expo Financial Service Innovation Award” etc.

As of the end of 2011, the Bank had total assets of RMB 655.43 billion, total deposits of RMB 466.32 billion, and total loans of RMB 334.13 billion, with the capital adequacy ratio of 11.72% and NPL provision coverage ratio of 276.62%.

Supporting local economic development

The Bank places importance on strengthening its communication and coordination with government departments of all levels and deepening the cooperative relationship between bank and government to jointly promote regional economic development. The Bank has actively participated in infrastructure construction projects and people’s livelihood projects such as the Shanghai World Expo, Greater Hongqiao Project construction, Disneyland construction, Ningbo Port development, Tianjin New Coastal District construction, Chengdu post-disaster reconstruction, indemnificatory housing development, and heath care reform by providing project financing, project consulting, and project supervision services. Based on the requirements of the National Industrial Restructuring and Rejuvenation Program and related regulations, the Bank has also actively supported industries and enterprises with a regional advantage such as advanced manufacturing industry, the modern service industry, other strategic emerging industries, and the culture industry by providing financial services for the adjustment and restructuring of local economies and industries. In addition to the traditional services of financing and settlement, the Bank has also successively introduced diversified featured service and products such as accounts receivables financing, corporate account over-drafting, credit insurance financing, moveable property pledging, online payment of China Electronic Port, online payment of One-stop Customs Clearance, a cash management platform, Check Express service, and official business cards.

Supporting the development of small business

The Bank, following its business concept of “With Care, With You,” has created the “Gold Plan” product line for small business, which provides services such as account settlement, capital financing, real estate purchasing, trade financing, and wealth management. It provides financial solutions for small business in various industries and in various stages of growth and specially provides “Little Giant“growth service for high-quality small business customers with high growth and strong industry position to meet the needs of high-end small business for differentiated service.

On the basis of the in-depth research in all types of differentiated customer groups, the Bank has developed a wholesale marketing plan and built a wholesale business platform to improve its small business marketing model. In recent years, in addition to consolidating its existing policy-based guarantee platform and science & technology enterprise financing platform, the Bank has actively grasped opportunities for the growth of emerging industries in the Yangtze River Delta, the Pearl River Delta, Beijing and Tianjin area, Chengdu and Chongqing area by proactively building a re-guarantee and other credit guarantee organization financing platform, an investment-insurance-loan financing platform, and a financing platform for e-commerce in specialized markets.

    In addition, the Bank takes advantages of cooperation with government departments and its own strength to extend financial service to small business into the field of diversified social services, such as jointly establishing the Shanghai SME Service Center with the former State Economic and Trade Commission and integrating small business financing service and social services, providing specialized services to small business in the areas of wealth management, talents development, information sharing, technical support, market exploring, and overseas cooperation and exchange.

Supporting development of Hong Kong and Taiwan enterprises

Focusing on the increasingly close economic and trade cooperation among the Mainland, Hong Kong, and Taiwan, the Bank established the Hong Kong and Taiwan Business Department in its Head Office in 2001 to fully support the development of Hong Kong and Taiwan enterprises in the Mainland with a professional service team, an exclusive service platform, and innovative products and services. The Bank has also strived to provide professional, tailor-made and comprehensive financial services to facilitate the enterprises’ investment, operations, and trade across the Mainland, Hong Kong and Taiwan.

The Bank cooperates with Shanghai Commercial Bank (Hong Kong) andShanghai Commercial & Savings Bank (Taiwan) to create a “customer-centered” joint services mode that integrates resources in Greater China and provides customers with the best customized financial services. No matter where the customers are located in the three regions, they can always enjoy the same considerate service of the Bank.

The Bank has also established bank-government cooperation with Taiwan Affairs Offices and Taiwan Merchant Associations in all regions to provide supports toTaiwan enterprises in terms of policy inquiry and financial services with special service teams and an “expressway” channel.

Providing residents with high-quality financial services

With the mission of “serving the residents,” the Bank has constantly innovated new products and optimized its service networks to meet the various needs of customers, always enhancing service quality and technical capability to build a well-respected financial services image.

Adhering to the service philosophy of “wisdom leads wealth” and “dedicating our wisdom and endeavors to maximize your wealth,” the Bank specially created the Wisdom Whole Wealth service for high-end customers, which provides exclusive service such as a professional wealth management team, special service channels, preferential interest rates and charge rates, comprehensive information services, and VIP treatment and care. Wisdom Whole Wealth Houses have been established inShanghai and other cities where its outlets locate to provide all-around wealth management service for its VIP customers. Providing many accesses to service teams and persisting in the continual innovation of its product lines, the Bank has introduced the Wisdom Gold in personal precious metal business and provided 14 types of wealth management products under 9 main product lines to meet the customers’ needs for asset allocation with different terms, different currencies, and different risk levels. The Bank has built a solid professional team with more than 400 specialists, who hold AFP, CFP, or RFP certificates, providing comprehensive tailor-made investment demands analysis and wealth management planning for its customers. The Bank is continuously enhancing the wealth management services by holding client salon activities and providing tiered value-added services. The Bank also joined hands with Shanghai Commercial Bank (Hong Kong) and Shanghai Commercial & Savings Bank (Taiwan) introducing the VIP Expressway services for customers across the Greater China. To meet the financial demands of customers, the Bank has launched the Good House-keeper personal credit services such as personal real estate purchase, vehicle purchase, business support, education, and goods consumption. Personal online banking is available for wealth management, financial products trading, online payments, funds transfer, and information inquiry. The Bank has introduced new service such as Alipay Express, ATM inter-bank funds transfer, and CDS inter-bank deposits in Shanghai. The Bank has setup the customer service hotline-962888, which provides a secure and convenient 24*7 one-stop financial services for customers.

    The Bank has actively expanded its bank card business market and issued financial IC debit cards, themed cards, co-brand cards, featured cards and thus enriched the products, functions and services of its banking cards business. The Bank has launched a variety of marketing events based on the characteristics of different customer groups and has introduced featured products such as “Interest-plus-Interest”,“Zodiac Certificate of Deposit”, “Easy FX”, and “Easy Payment”. The Bank has established long-term cooperative relationships with nearly 100 securities, asset management companies, and insurance companies around China to provide all-around services for customers.

As a bank that has deep roots among Shanghai residents, the Bank has continuously taken its social responsibility by introducing community-based financial services and extending financial services into the community. The Bank has played a leading role in pension distribution in Shanghai, launching a featured bank card named “Excellent life card” for pension customers and introducing a featured “care-free retirement” wealth management products. The Bank successfully implemented the plans including “Million Retiree Card Accessibility Three-Year Action Plan” and “Popularization Program of Financial Education for the elder,” winning the trust from the public.

Developing emerging financial markets

Based on the principles of “trust and mutual benefit,” the Bank widely engages in emerging financial markets such as inter-bank money market, bond market, derivatives market, commercial bill market, foreign exchange market, and gold market and has won the confidence of the markets with its financial strength, sound operations, and scientific management.

As one of the first members of the inter-bank bond market, a class-A trader on the open market, and a member of the underwriting group of major bond-issuing institutions such as the Ministry of Finance and the China Development Bank, the Bank has been ranked at the top of the country in terms of bond transaction volume for many years. The Bank was one of the first to obtain qualifications for being a market maker for the inter-bank bond market, being a member of pricing group for the Shanghai Inter-bank Offered Rate(SHIBOR), and operating bond underwriting business in the inter-bank bond market. The Bank also has qualifications for underwriting non-financial enterprises debts and was the first city commercial bank to obtain the derivatives business license. The Bank is one of the 108 founding members of the Shanghai Gold Exchange and has qualifications for operating business including gold exchange for bank’s own account, authorized gold (platinum) exchange for customer’s account, inter-bank gold borrowing, and gold leasing. The Bank has been granted the title of outstanding member of the Shanghai Gold Exchange for many years. The Bank is also one of the 9 commercial banks in China with gold importation business license. Additionally, the Bank provides various financial services in many forms such as bond settlement agency, investment plan design, asset management consulting and always shares its market information and management experience with its customers.

"> Founded on December 29, 1995 and headquartered in Shanghai, Bank of Shanghai Co., Ltd. (here in after “the Bank”), is a joint-stock commercial bank formed by state-owned shares, Chinese corporation-owned shares, foreign corporation-owned shares, and individual-owned shares, and its current registered capital is RMB 4.234 billion.

Ever since its founding, the Bank has been committed to supporting the social and economic development and has followed the service philosophy of “With Care, With You” as it strives toward the goals of stable operations, standardized management, and the maximization of its strengths. In the process of providing high-quality financial services to the public, the Bank has gradually formed its own business features and has created good social benefits and business results to become a new-type joint-stock commercial bank with energy and enjoys excellent brand image among the public.

After first receiving approval in 2005 to embark on cross regional development among the city commercial banks in China, the Bank established branches in Ningbo, Nanjing, Hangzhou, Tianjin, Chengdu, Shenzhen, Beijing, and Suzhou, allowing its business networks to spread across the Yangtze River Delta, the Pearl River Delta, around the Bohai Bay Region, and into the central and western regions, preliminarily forming the strategic framework for regional presence in China. Currently, the Bank has more than 270 business outlets with more than 170 self-service banks, and more than 2,000 self-service terminals (ATMs, CDMs, XDMs, and ASMs.) The Bank has established correspondent banking relationship with nearly 600 bank headquarters and branches in 70 countries and regions. In addition, the Bank has independent licensed organizations such as Credit Card Center and Financial Services Center for Small Enterprises and two subsidiaries including Shanghai Minhang BOS Rural Bank, Zhejiang Quzhou Qujiang BOS Rural Bank, Jiangsu Jiangning BOS Rural Bank and Chongzhou BOS Rural Bank.

In recent years, the market competitiveness and influence of the Bank have been continually gaining momentum. In the list of the “Top 1,000 Banks in the world” released by The Banker, it ranked No.194 in the world in terms of tier one capital. The Bank had also been crowned by The Asian Banker as “China’s best urban retail bank” for many times. The Bank has received numerous excellent titles such as “Shanghai Famous Brand”, “Most Valuable Service Brand in Shanghai”, “National Outstanding Unit for Small Business Loans”, “Outstanding Bank for Customer Service to Small Business”, “National Outstanding Unit for Re-employment” and “National Outstanding Trading Member of the Inter-bank Market” and has won honors such as “Shanghai World Expo Financial Service Excellent Unit” and “Expo Financial Service Innovation Award” etc.

As of the end of 2011, the Bank had total assets of RMB 655.43 billion, total deposits of RMB 466.32 billion, and total loans of RMB 334.13 billion, with the capital adequacy ratio of 11.72% and NPL provision coverage ratio of 276.62%.

Supporting local economic development

The Bank places importance on strengthening its communication and coordination with government departments of all levels and deepening the cooperative relationship between bank and government to jointly promote regional economic development. The Bank has actively participated in infrastructure construction projects and people’s livelihood projects such as the Shanghai World Expo, Greater Hongqiao Project construction, Disneyland construction, Ningbo Port development, Tianjin New Coastal District construction, Chengdu post-disaster reconstruction, indemnificatory housing development, and heath care reform by providing project financing, project consulting, and project supervision services. Based on the requirements of the National Industrial Restructuring and Rejuvenation Program and related regulations, the Bank has also actively supported industries and enterprises with a regional advantage such as advanced manufacturing industry, the modern service industry, other strategic emerging industries, and the culture industry by providing financial services for the adjustment and restructuring of local economies and industries. In addition to the traditional services of financing and settlement, the Bank has also successively introduced diversified featured service and products such as accounts receivables financing, corporate account over-drafting, credit insurance financing, moveable property pledging, online payment of China Electronic Port, online payment of One-stop Customs Clearance, a cash management platform, Check Express service, and official business cards.

Supporting the development of small business

The Bank, following its business concept of “With Care, With You,” has created the “Gold Plan” product line for small business, which provides services such as account settlement, capital financing, real estate purchasing, trade financing, and wealth management. It provides financial solutions for small business in various industries and in various stages of growth and specially provides “Little Giant“growth service for high-quality small business customers with high growth and strong industry position to meet the needs of high-end small business for differentiated service.

On the basis of the in-depth research in all types of differentiated customer groups, the Bank has developed a wholesale marketing plan and built a wholesale business platform to improve its small business marketing model. In recent years, in addition to consolidating its existing policy-based guarantee platform and science & technology enterprise financing platform, the Bank has actively grasped opportunities for the growth of emerging industries in the Yangtze River Delta, the Pearl River Delta, Beijing and Tianjin area, Chengdu and Chongqing area by proactively building a re-guarantee and other credit guarantee organization financing platform, an investment-insurance-loan financing platform, and a financing platform for e-commerce in specialized markets.

    In addition, the Bank takes advantages of cooperation with government departments and its own strength to extend financial service to small business into the field of diversified social services, such as jointly establishing the Shanghai SME Service Center with the former State Economic and Trade Commission and integrating small business financing service and social services, providing specialized services to small business in the areas of wealth management, talents development, information sharing, technical support, market exploring, and overseas cooperation and exchange.

Supporting development of Hong Kong and Taiwan enterprises

Focusing on the increasingly close economic and trade cooperation among the Mainland, Hong Kong, and Taiwan, the Bank established the Hong Kong and Taiwan Business Department in its Head Office in 2001 to fully support the development of Hong Kong and Taiwan enterprises in the Mainland with a professional service team, an exclusive service platform, and innovative products and services. The Bank has also strived to provide professional, tailor-made and comprehensive financial services to facilitate the enterprises’ investment, operations, and trade across the Mainland, Hong Kong and Taiwan.

The Bank cooperates with Shanghai Commercial Bank (Hong Kong) andShanghai Commercial & Savings Bank (Taiwan) to create a “customer-centered” joint services mode that integrates resources in Greater China and provides customers with the best customized financial services. No matter where the customers are located in the three regions, they can always enjoy the same considerate service of the Bank.

The Bank has also established bank-government cooperation with Taiwan Affairs Offices and Taiwan Merchant Associations in all regions to provide supports toTaiwan enterprises in terms of policy inquiry and financial services with special service teams and an “expressway” channel.

Providing residents with high-quality financial services

With the mission of “serving the residents,” the Bank has constantly innovated new products and optimized its service networks to meet the various needs of customers, always enhancing service quality and technical capability to build a well-respected financial services image.

Adhering to the service philosophy of “wisdom leads wealth” and “dedicating our wisdom and endeavors to maximize your wealth,” the Bank specially created the Wisdom Whole Wealth service for high-end customers, which provides exclusive service such as a professional wealth management team, special service channels, preferential interest rates and charge rates, comprehensive information services, and VIP treatment and care. Wisdom Whole Wealth Houses have been established inShanghai and other cities where its outlets locate to provide all-around wealth management service for its VIP customers. Providing many accesses to service teams and persisting in the continual innovation of its product lines, the Bank has introduced the Wisdom Gold in personal precious metal business and provided 14 types of wealth management products under 9 main product lines to meet the customers’ needs for asset allocation with different terms, different currencies, and different risk levels. The Bank has built a solid professional team with more than 400 specialists, who hold AFP, CFP, or RFP certificates, providing comprehensive tailor-made investment demands analysis and wealth management planning for its customers. The Bank is continuously enhancing the wealth management services by holding client salon activities and providing tiered value-added services. The Bank also joined hands with Shanghai Commercial Bank (Hong Kong) and Shanghai Commercial & Savings Bank (Taiwan) introducing the VIP Expressway services for customers across the Greater China. To meet the financial demands of customers, the Bank has launched the Good House-keeper personal credit services such as personal real estate purchase, vehicle purchase, business support, education, and goods consumption. Personal online banking is available for wealth management, financial products trading, online payments, funds transfer, and information inquiry. The Bank has introduced new service such as Alipay Express, ATM inter-bank funds transfer, and CDS inter-bank deposits in Shanghai. The Bank has setup the customer service hotline-962888, which provides a secure and convenient 24*7 one-stop financial services for customers.

    The Bank has actively expanded its bank card business market and issued financial IC debit cards, themed cards, co-brand cards, featured cards and thus enriched the products, functions and services of its banking cards business. The Bank has launched a variety of marketing events based on the characteristics of different customer groups and has introduced featured products such as “Interest-plus-Interest”,“Zodiac Certificate of Deposit”, “Easy FX”, and “Easy Payment”. The Bank has established long-term cooperative relationships with nearly 100 securities, asset management companies, and insurance companies around China to provide all-around services for customers.

As a bank that has deep roots among Shanghai residents, the Bank has continuously taken its social responsibility by introducing community-based financial services and extending financial services into the community. The Bank has played a leading role in pension distribution in Shanghai, launching a featured bank card named “Excellent life card” for pension customers and introducing a featured “care-free retirement” wealth management products. The Bank successfully implemented the plans including “Million Retiree Card Accessibility Three-Year Action Plan” and “Popularization Program of Financial Education for the elder,” winning the trust from the public.

Developing emerging financial markets

Based on the principles of “trust and mutual benefit,” the Bank widely engages in emerging financial markets such as inter-bank money market, bond market, derivatives market, commercial bill market, foreign exchange market, and gold market and has won the confidence of the markets with its financial strength, sound operations, and scientific management.

As one of the first members of the inter-bank bond market, a class-A trader on the open market, and a member of the underwriting group of major bond-issuing institutions such as the Ministry of Finance and the China Development Bank, the Bank has been ranked at the top of the country in terms of bond transaction volume for many years. The Bank was one of the first to obtain qualifications for being a market maker for the inter-bank bond market, being a member of pricing group for the Shanghai Inter-bank Offered Rate(SHIBOR), and operating bond underwriting business in the inter-bank bond market. The Bank also has qualifications for underwriting non-financial enterprises debts and was the first city commercial bank to obtain the derivatives business license. The Bank is one of the 108 founding members of the Shanghai Gold Exchange and has qualifications for operating business including gold exchange for bank’s own account, authorized gold (platinum) exchange for customer’s account, inter-bank gold borrowing, and gold leasing. The Bank has been granted the title of outstanding member of the Shanghai Gold Exchange for many years. The Bank is also one of the 9 commercial banks in China with gold importation business license. Additionally, the Bank provides various financial services in many forms such as bond settlement agency, investment plan design, asset management consulting and always shares its market information and management experience with its customers.

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Банк Шанхая

Bank of Shanghai
Телефон021-962888
Website address:www.bankofshanghai.com

About bank

Founded on December 29, 1995 and headquartered in Shanghai, Bank of Shanghai Co., Ltd. (here in after “the Bank”), is a joint-stock commercial bank formed by state-owned shares, Chinese corporation-owned shares, foreign corporation-owned shares, and individual-owned shares, and its current registered capital is RMB 4.234 billion.

Ever since its founding, the Bank has been committed to supporting the social and economic development and has followed the service philosophy of “With Care, With You” as it strives toward the goals of stable operations, standardized management, and the maximization of its strengths. In the process of providing high-quality financial services to the public, the Bank has gradually formed its own business features and has created good social benefits and business results to become a new-type joint-stock commercial bank with energy and enjoys excellent brand image among the public.

After first receiving approval in 2005 to embark on cross regional development among the city commercial banks in China, the Bank established branches in Ningbo, Nanjing, Hangzhou, Tianjin, Chengdu, Shenzhen, Beijing, and Suzhou, allowing its business networks to spread across the Yangtze River Delta, the Pearl River Delta, around the Bohai Bay Region, and into the central and western regions, preliminarily forming the strategic framework for regional presence in China. Currently, the Bank has more than 270 business outlets with more than 170 self-service banks, and more than 2,000 self-service terminals (ATMs, CDMs, XDMs, and ASMs.) The Bank has established correspondent banking relationship with nearly 600 bank headquarters and branches in 70 countries and regions. In addition, the Bank has independent licensed organizations such as Credit Card Center and Financial Services Center for Small Enterprises and two subsidiaries including Shanghai Minhang BOS Rural Bank, Zhejiang Quzhou Qujiang BOS Rural Bank, Jiangsu Jiangning BOS Rural Bank and Chongzhou BOS Rural Bank.

In recent years, the market competitiveness and influence of the Bank have been continually gaining momentum. In the list of the “Top 1,000 Banks in the world” released by The Banker, it ranked No.194 in the world in terms of tier one capital. The Bank had also been crowned by The Asian Banker as “China’s best urban retail bank” for many times. The Bank has received numerous excellent titles such as “Shanghai Famous Brand”, “Most Valuable Service Brand in Shanghai”, “National Outstanding Unit for Small Business Loans”, “Outstanding Bank for Customer Service to Small Business”, “National Outstanding Unit for Re-employment” and “National Outstanding Trading Member of the Inter-bank Market” and has won honors such as “Shanghai World Expo Financial Service Excellent Unit” and “Expo Financial Service Innovation Award” etc.

As of the end of 2011, the Bank had total assets of RMB 655.43 billion, total deposits of RMB 466.32 billion, and total loans of RMB 334.13 billion, with the capital adequacy ratio of 11.72% and NPL provision coverage ratio of 276.62%.

Supporting local economic development

The Bank places importance on strengthening its communication and coordination with government departments of all levels and deepening the cooperative relationship between bank and government to jointly promote regional economic development. The Bank has actively participated in infrastructure construction projects and people’s livelihood projects such as the Shanghai World Expo, Greater Hongqiao Project construction, Disneyland construction, Ningbo Port development, Tianjin New Coastal District construction, Chengdu post-disaster reconstruction, indemnificatory housing development, and heath care reform by providing project financing, project consulting, and project supervision services. Based on the requirements of the National Industrial Restructuring and Rejuvenation Program and related regulations, the Bank has also actively supported industries and enterprises with a regional advantage such as advanced manufacturing industry, the modern service industry, other strategic emerging industries, and the culture industry by providing financial services for the adjustment and restructuring of local economies and industries. In addition to the traditional services of financing and settlement, the Bank has also successively introduced diversified featured service and products such as accounts receivables financing, corporate account over-drafting, credit insurance financing, moveable property pledging, online payment of China Electronic Port, online payment of One-stop Customs Clearance, a cash management platform, Check Express service, and official business cards.

Supporting the development of small business

The Bank, following its business concept of “With Care, With You,” has created the “Gold Plan” product line for small business, which provides services such as account settlement, capital financing, real estate purchasing, trade financing, and wealth management. It provides financial solutions for small business in various industries and in various stages of growth and specially provides “Little Giant“growth service for high-quality small business customers with high growth and strong industry position to meet the needs of high-end small business for differentiated service.

On the basis of the in-depth research in all types of differentiated customer groups, the Bank has developed a wholesale marketing plan and built a wholesale business platform to improve its small business marketing model. In recent years, in addition to consolidating its existing policy-based guarantee platform and science & technology enterprise financing platform, the Bank has actively grasped opportunities for the growth of emerging industries in the Yangtze River Delta, the Pearl River Delta, Beijing and Tianjin area, Chengdu and Chongqing area by proactively building a re-guarantee and other credit guarantee organization financing platform, an investment-insurance-loan financing platform, and a financing platform for e-commerce in specialized markets.

    In addition, the Bank takes advantages of cooperation with government departments and its own strength to extend financial service to small business into the field of diversified social services, such as jointly establishing the Shanghai SME Service Center with the former State Economic and Trade Commission and integrating small business financing service and social services, providing specialized services to small business in the areas of wealth management, talents development, information sharing, technical support, market exploring, and overseas cooperation and exchange.

Supporting development of Hong Kong and Taiwan enterprises

Focusing on the increasingly close economic and trade cooperation among the Mainland, Hong Kong, and Taiwan, the Bank established the Hong Kong and Taiwan Business Department in its Head Office in 2001 to fully support the development of Hong Kong and Taiwan enterprises in the Mainland with a professional service team, an exclusive service platform, and innovative products and services. The Bank has also strived to provide professional, tailor-made and comprehensive financial services to facilitate the enterprises’ investment, operations, and trade across the Mainland, Hong Kong and Taiwan.

The Bank cooperates with Shanghai Commercial Bank (Hong Kong) andShanghai Commercial & Savings Bank (Taiwan) to create a “customer-centered” joint services mode that integrates resources in Greater China and provides customers with the best customized financial services. No matter where the customers are located in the three regions, they can always enjoy the same considerate service of the Bank.

The Bank has also established bank-government cooperation with Taiwan Affairs Offices and Taiwan Merchant Associations in all regions to provide supports toTaiwan enterprises in terms of policy inquiry and financial services with special service teams and an “expressway” channel.

Providing residents with high-quality financial services

With the mission of “serving the residents,” the Bank has constantly innovated new products and optimized its service networks to meet the various needs of customers, always enhancing service quality and technical capability to build a well-respected financial services image.

Adhering to the service philosophy of “wisdom leads wealth” and “dedicating our wisdom and endeavors to maximize your wealth,” the Bank specially created the Wisdom Whole Wealth service for high-end customers, which provides exclusive service such as a professional wealth management team, special service channels, preferential interest rates and charge rates, comprehensive information services, and VIP treatment and care. Wisdom Whole Wealth Houses have been established inShanghai and other cities where its outlets locate to provide all-around wealth management service for its VIP customers. Providing many accesses to service teams and persisting in the continual innovation of its product lines, the Bank has introduced the Wisdom Gold in personal precious metal business and provided 14 types of wealth management products under 9 main product lines to meet the customers’ needs for asset allocation with different terms, different currencies, and different risk levels. The Bank has built a solid professional team with more than 400 specialists, who hold AFP, CFP, or RFP certificates, providing comprehensive tailor-made investment demands analysis and wealth management planning for its customers. The Bank is continuously enhancing the wealth management services by holding client salon activities and providing tiered value-added services. The Bank also joined hands with Shanghai Commercial Bank (Hong Kong) and Shanghai Commercial & Savings Bank (Taiwan) introducing the VIP Expressway services for customers across the Greater China. To meet the financial demands of customers, the Bank has launched the Good House-keeper personal credit services such as personal real estate purchase, vehicle purchase, business support, education, and goods consumption. Personal online banking is available for wealth management, financial products trading, online payments, funds transfer, and information inquiry. The Bank has introduced new service such as Alipay Express, ATM inter-bank funds transfer, and CDS inter-bank deposits in Shanghai. The Bank has setup the customer service hotline-962888, which provides a secure and convenient 24*7 one-stop financial services for customers.

    The Bank has actively expanded its bank card business market and issued financial IC debit cards, themed cards, co-brand cards, featured cards and thus enriched the products, functions and services of its banking cards business. The Bank has launched a variety of marketing events based on the characteristics of different customer groups and has introduced featured products such as “Interest-plus-Interest”,“Zodiac Certificate of Deposit”, “Easy FX”, and “Easy Payment”. The Bank has established long-term cooperative relationships with nearly 100 securities, asset management companies, and insurance companies around China to provide all-around services for customers.

As a bank that has deep roots among Shanghai residents, the Bank has continuously taken its social responsibility by introducing community-based financial services and extending financial services into the community. The Bank has played a leading role in pension distribution in Shanghai, launching a featured bank card named “Excellent life card” for pension customers and introducing a featured “care-free retirement” wealth management products. The Bank successfully implemented the plans including “Million Retiree Card Accessibility Three-Year Action Plan” and “Popularization Program of Financial Education for the elder,” winning the trust from the public.

Developing emerging financial markets

Based on the principles of “trust and mutual benefit,” the Bank widely engages in emerging financial markets such as inter-bank money market, bond market, derivatives market, commercial bill market, foreign exchange market, and gold market and has won the confidence of the markets with its financial strength, sound operations, and scientific management.

As one of the first members of the inter-bank bond market, a class-A trader on the open market, and a member of the underwriting group of major bond-issuing institutions such as the Ministry of Finance and the China Development Bank, the Bank has been ranked at the top of the country in terms of bond transaction volume for many years. The Bank was one of the first to obtain qualifications for being a market maker for the inter-bank bond market, being a member of pricing group for the Shanghai Inter-bank Offered Rate(SHIBOR), and operating bond underwriting business in the inter-bank bond market. The Bank also has qualifications for underwriting non-financial enterprises debts and was the first city commercial bank to obtain the derivatives business license. The Bank is one of the 108 founding members of the Shanghai Gold Exchange and has qualifications for operating business including gold exchange for bank’s own account, authorized gold (platinum) exchange for customer’s account, inter-bank gold borrowing, and gold leasing. The Bank has been granted the title of outstanding member of the Shanghai Gold Exchange for many years. The Bank is also one of the 9 commercial banks in China with gold importation business license. Additionally, the Bank provides various financial services in many forms such as bond settlement agency, investment plan design, asset management consulting and always shares its market information and management experience with its customers.