The company's main business scope mainly includes: absorbing RMB deposits; Issue short-,medium-and long-term loans; Handle settlement; Handle bill discount; Issuing financial bonds; Acting as an agent to issue, honor and underwrite government bonds; Buying and selling government bonds; Inter-bank loans; Providing letter of credit services and guarantees; Acting for collection and payment; Provide safe deposit box service; Foreign exchange deposits; Foreign exchange loans; Foreign exchange remittance; Foreign currency exchange; International settlement; Settlement and sale of foreign exchange; Inter-bank foreign exchange lending; Acceptance and discount of foreign exchange bills; Foreign exchange loans; Foreign exchange guarantee; Issuing and acting as an agent to issue foreign currency securities other than stocks; Buying and selling foreign currency securities other than stocks and acting as an agent; Self-operated foreign exchange transactions; Conduct foreign exchange transactions on behalf of customers; Credit investigation, consultation and witness business; And other businesses approved by China Banking Regulatory Commission.
2. Market access qualification:
Hengfeng bank has primary dealers in the central bank's open market business, members of the national bond underwriting syndicate, the first batch of bilateral bidders in the national inter-bank bond market, primary underwriters of national policy financial bonds, national certificate-based bond underwriters, lead underwriters of short-term financing bonds of enterprises, settlement agents in the national inter-bank bond market, directors of the National Bond Association and members of the National UnionPay card.
3. Special business
Personal business: hengfeng bank retail finance aims at creating value for individual customers, aiming at providing personalized, all-round and diversified financial products for customers at different levels, helping customers to use funds conveniently, efficiently and safely, and realizing the preservation and appreciation of personal assets.
Hengfeng wallet is one of the latest innovative products for retail customers in hengfeng bank. Customers can realize automatic balance financing after handling the "constant wallet" debit card. The product subscription threshold can be as low as 1 cent. At the same time of online financial management, customers can still swipe their cards, withdraw cash or transfer money in real time without redeeming in advance, thus realizing the seamless connection between online financial management and offline consumption.
Corporate business: hengfeng bank practices the concept of "finance supporting the real economy", and in recent years, it has continuously strengthened internal innovation, introduced big data technology around industrial chains and platform enterprises, explored the implementation of the credit factory model, and strived to provide convenient and efficient comprehensive financial solutions for corporate customers.
Hengfeng bank regards the business of agriculture, rural areas and micro-finance as an opportunity for its own development and overtaking in corners, and as an important part of fulfilling its social responsibilities. In view of the difficulties and pain points in the entrepreneurial innovation of small and micro enterprises, innovative products such as "excess mortgage loan", "accounts receivable pool financing", "credit value-added loan", "renewal loan link" and "chain guarantee link" have been launched one after another. 2065438 From June to September 2005, loans to small and micro enterprises in hengfeng bank totaled 70 billion yuan, accounting for 24.3%, an increase of 20.8 billion yuan or 42.4% over the beginning of the year. Agricultural loans amounted to 89.2 billion yuan, accounting for 28.5%, an increase of 2/kloc-0.50 billion yuan or 3 1.8%% compared with the beginning of the year. Of the new loans in that year, 765,438+0.45% were invested in small and micro-and agriculture-related fields.
Hengfeng bank has built a special service brand for small and medium-sized enterprises-"Fortune Hengtong". After three years of practice, we have completed the integration from process, approval, service, authorization, management, assessment to background scientific and technological support.
At the same time, according to the "agriculture, countryside and farmers" economy and the needs of agriculture-related enterprises, hengfeng bank Chengdu Branch simplified the approval procedures for innovative loans, changed the original situation that large and small enterprises participated in the loan review meeting, and small and micro enterprises went through the retail channel alone, and handled them in a centralized manner, thus shortening the approval time for agriculture-related enterprises.
Asset securitization business:
In order to better serve the real economy, hengfeng bank actively began to try asset securitization business on 20 15, and realized the leap-forward development of this business from scratch.
20 15 On February 3rd, the first credit asset securitization product "Hengfeng 20 15" issued by hengfeng bank was successfully issued in the interbank market.
By the end of 20 15, hengfeng bank * * * had issued four asset securitization products with a total issuance scale of1131400 million yuan. In the ranking of the annual issuance scale of asset-backed securities in the industry, hengfeng bank has surpassed many traditional banks and ranked 10th and 5th among national joint-stock commercial banks. The continuous development of asset securitization has strongly promoted the transformation of hengfeng bank from "capital consumption" to "capital conservation" and from "debt financing" to "asset investment".
Business innovation of "five major sectors and seven major banks";
First, companies and investment banks, including trading banks and investment banks; Second, the interbank and financial market sectors, including banks' banks; The third is the field of asset management and private banking, including asset management banks and private banks; Fourth, M bank plate, including M bank and credit card bank; The fifth is the innovation sector, including Hengfeng Innovation Garage, Hengfeng Venture Capital, Hengfeng Crowdfunding, Big Data Platform and Financial Cloud Platform.