2. Corporate financial services: Bank of Communications provides corporate financial services such as corporate loans, corporate deposits, trade financing, bill discounting, settlement and guarantee for corporate customers. Corporate loans include short-term loans to meet corporate liquidity needs and trade financing needs, as well as medium-and long-term loans for infrastructure development and construction, technological innovation and corporate liquidity. At the same time, for corporate customers with short-term financing needs, Bank of Communications can also provide bill discount services. In addition, Bank of Communications has an integrated local and foreign currency real-time exchange system, which can provide domestic and international settlement services for corporate customers. Domestic settlement products include checks, bank drafts, bank promissory notes, acceptance bills, collection and acceptance, and entrusted collection. In addition to traditional banking services, Bank of Communications also provides customs declaration, bank-enterprise communication and corporate financial services to corporate customers through branch networks, service centers and online banking. One-stop customs declaration is an online tax payment system jointly developed by the General Administration of Customs and China Electronic Port Data Center. Yinqitong provides financial services such as account details, payment and settlement, cash management, etc. for enterprise group customers through online banking.
3. Fund business:1July 1998, with the approval of the China Securities Regulatory Commission and the People's Bank of China, Bank of Communications obtained the qualification of fund custody, and at the same time established a fund custody department to be responsible for the operation and management of fund custody and entrusted asset custody business of the whole bank, as well as the management of open-end fund consignment business. At present, the Fund Custody Department has obtained business custody qualifications such as securities investment fund, entrusted asset management, enterprise annuity, social security fund, personal account fund for basic old-age insurance, rural social security fund, investment-linked insurance products, trust assets and QFII.
4. International business: Bank of Communications, founded in 1908, is one of the early four banks in China and one of the only two commercial banks in China with a century-old national brand. Bank of Communications went abroad in the early days and set up branches in Southeast Asia such as India, the Philippines and Indonesia, which enjoyed a good reputation in the local area.
In the spring breeze of reform, with the approval of the State Council, Bank of Communications was re-established in 1986. Become the first and largest joint-stock commercial bank in China; At the same time, it has become the first commercial bank in China that can fully handle local and foreign currency business after Bank of China.
5. Credit card business: The brand-new Pacific dual-currency credit card of Bank of Communications is a truly global credit card, which combines the huge service network of Bank of Communications all over the country and the management experience and technical support of HSBC. Whether at home or overseas, you can enjoy the convenience of shopping and leisure, highlighting the advantages of GSM.
6. E-banking business: Bank of Communications is paying more and more attention to the development of e-banking business by using advanced electronic technology. The e-banking business of Bank of Communications mainly includes online banking, mobile banking, telephone banking, self-service banking and electronic product innovation.
The construction of online banking of Bank of Communications began in 2002. In a short period of three years, Bank of Communications has completed the overall framework of online banking, and formed an online banking service system supported by Pacific Card, nationwide access, foreign exchange treasure, fund trading and other functions, and a public online banking service system featuring ordinary version, mass version and professional version, thus realizing the improvement of online banking functions and the rapid growth of business volume. This year, Bank of Communications will carry out a large-scale revision of online banking to further improve the application efficiency of online banking, so that all online banking users can fully enjoy the more personalized and better service provided by the new generation of online banking of Bank of Communications.
Mobile banking is another new electronic banking product launched by Bank of Communications at the end of 2004, and it is called "the first real mobile banking in China" by the media. The mobile banking of Bank of Communications can connect China Mobile and China Unicom at the same time, with the widest geographical coverage and the most applicable customers. Compared with similar products on the market at present, it has obvious advantages such as rich functions, convenient operation, safety and reliability, and simple application program. Bank of Communications Mobile Banking can not only provide personal financial services such as account inquiry, Kaka transfer, credit card repayment, oral loss reporting and mobile phone recharge, but also conduct capital transactions and foreign exchange transactions. In addition, it also provides financial information services such as foreign exchange quotation, K-line chart inquiry and stock and securities inquiry.