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, and vigorously supporting key municipal projects and regional economic construction in various places. It has successively participated in many urban economic construction projects such as deep-water port development, Expo demolition, urban old district reconstruction, rail transit, low-and medium-priced housing development, city appearance and environmental protection projects, and has strongly supported local economic construction. It 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 step by step throughout the country, rationally arranged outlets, actively participated in the construction of urban infrastructure and public utilities, supported people's livelihood projects, and provided financing, consulting, engineering supervision and other services for related projects. By strengthening communication with local government departments and establishing cooperative relations between banks and enterprises, regional economic development will be actively and effectively promoted. In addition, in addition to providing traditional financing and settlement services, the Bank of Shanghai 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 for customs clearance, cash management platform, check through train and official card, which has formed the characteristics of diversified service means and services.
Shanghai Bank actively carries out various forms of financial innovation, and constantly improves its financial service function to 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 draft, etc., and constantly increased the innovation of the company's financial products. Independently developed and launched new financial services such as "Yinyitong", social security card and bank card binding payment system, "Anjiabao" commodity housing maintenance fund supervision, direct connection between banks and enterprises, financial fund payment system, and "Tongguanbao" EDI electronic payment system, which formed the characteristics of diversified loan varieties and financing methods; 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", support each district and county to build an industry with distinctive advantages, sign an industrial cooperation agreement with Shanghai 13 district and county, and become the host bank of this work.
Actively support the development of small enterprises.
With the business philosophy of "turning wisdom into money and growing together" and the goal of becoming the best characteristic bank for small businesses, Shanghai Bank provides financial solutions including account settlement, capital turnover, real estate purchase, trade financing, wealth management and value-added services for small businesses in different industries and different growth stages, especially for high-quality small business customers with high growth and significant industry status.
Bank of Shanghai deeply studies the characteristics of customer segmentation, formulates mass marketing plans, 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 technology enterprise financing platform in urban areas, Shanghai Bank has also actively docked the business opportunities of modern service industry development 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 Ministry of Comprehensive Economic Affairs and Shanghai Bank, Shanghai Bank has extended the financial services of small and medium-sized enterprises to diversified social services. Through the Shanghai SME Service Center, which was jointly established with the China SME Cooperation and Coordination Center of the former State Economic and Trade Commission (now the National Development and Reform Commission), it integrates financial services and social services for SMEs and provides them with professional services in financial financing, talent development, information consultation, technical support, market development and foreign cooperation and exchange.
Small and medium-sized enterprises are important customers of Shanghai Bank. In order to fully support the development of small and medium-sized enterprises, Bank of Shanghai has accelerated the pace of business innovation to meet the financing needs of enterprises at different stages of their life cycle, and established the brand of "Convenient Loan for Small and Medium-sized Enterprises", which includes seven series and more than 10 business varieties, covering three types of needs of enterprises, such as replenishing working capital, purchasing fixed assets and trade financing, and providing enterprises with complete credit solutions for small and medium-sized enterprises. Among them, the market share of small business credit guarantee loans in the city has remained above 50% by using the government-funded small business guarantee fund.
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. Providing "Little Giant" training services for small and medium-sized enterprises; Open a website tailored for China enterprises. These measures not only provide SMEs with all-round services such as financing, talent development, information sharing, technical support, online consultation and foreign cooperation and exchange, but also actively support the healthy development of SMEs, making a useful exploration for establishing and improving the socialized service system for SMEs.
In 2005, guided by differentiated marketing, with the support of relevant departments, Shanghai Bank was equipped with a special account manager team to carry out the "try first" work of small enterprise credit business in line with the idea of "special team, special authorization, special examination and approval, special pricing and special incentive and restraint".
Focus on supporting the development of Hong Kong and Taiwan-funded enterprises.
Due to natural origin, as early as 2000, Shanghai Bank established close cooperative relations with Shanghai Commercial Bank (Hongkong) and Shanghai Commercial Savings Bank (Taiwan Province Province). Under the background of increasingly close economic linkage among the three places, the business of Shanghai, Hong Kong and Taiwan has become one of the outstanding competitive advantages of Shanghai Bank.
At present, the "Shanghai Bank" in Shanghai, Hong Kong and Taiwan has strengthened cross-strait policy information exchange, correctly interpreted all kinds of information, and ensured legal and compliant business cooperation. The three banks have the courage to explore, make unremitting efforts and continue to cooperate in promoting customer resource sharing, homomorphic promotion, complementary advantages of joint marketing between Hong Kong and Taiwan customers, product development and innovation cooperation. The scope of business cooperation has developed from the initial stage of brand building, customer recommendation and information inquiry to more stages of business cooperation such as benefit sharing and cooperation mechanism and account supervision. Shanghai Bank promised to introduce special credit measures for Taiwan-funded enterprises in the three places to 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 "coming from the people and serving the people", Shanghai Bank constantly explores new business products, improves service channels, improves service quality and scientific and technological content, and strives to build a brand of financial services. While providing more public financial services and constantly improving wealth management, Bank of Shanghai has launched a variety of supporting services, including personal house purchase, car purchase financing and supporting services, personal durable consumer goods loans and entrepreneurial assistance services, personal study abroad loans and various personal pledge loan financing services. Continue to launch a series of "Shenka" products, including credit cards, debit cards, IC smart cards and other bank card products; Click the mouse to rest assured that the second-hand housing transaction fund supervision business "Yinfangtong"; "Alipay" product integrating various automatic transfer services. At present, Shanghai Bank has opened personal online banking, which has realized the functions of online transfer and inquiry. Open the 962888 customer service hotline to provide customers with safe, convenient, all-weather and one-stop modern financial services.
As a citizen bank, Shanghai Bank actively supports the government's practical projects of benefiting the people, and has successively undertaken batch payment projects such as pension, medical insurance, sporadic medical expenses reimbursement and sunshine wages. 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 all-round services for individual customers.
In view of the increasing demand for wealth management due to the growth of people's wealth, adhering to the service concept of "all your wisdom belongs to you exclusively", Shanghai Bank launched the brand service of "Huitong Wealth Management" for mid-to high-end customers, providing them with exclusive wealth management team services, exclusive channel services, exclusive investment and financing products and services, exclusive interest rate and rate preferential services, exclusive comprehensive information services, exclusive VIP courtesy and care services. 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 conservatism, innovating product lines, and circulating eight series 12 "Cai Hui" family wealth management products to meet the asset allocation needs of customers with different maturities, currencies and risk levels; It has a professional financial management team that supports the qualifications of financial planners (AFP), international financial planners (CFP) and registered financial planners (RFP) to provide customers with comprehensive investment demand analysis and financial planning suggestions; Continue to enrich the connotation and quality of "Huitong Wealth Management" service, and "Shanghai Bank" of Shanghai, Hongkong and Taiwan Province jointly launched * * * VIP channel service.
At present, Shanghai Bank has 208 business 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 50 billion yuan.
Make emerging financial markets bigger and stronger.
Based on the principle of "honesty, trustworthiness, equality and mutual benefit", Shanghai Bank has extensively set foot in emerging financial markets such as inter-bank bond market, lending market, bill market, foreign exchange market and gold market, and won market recognition with its strong financial strength, sound business philosophy and scientific operation management. As the first member 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 has been ranked among the top ten in China in terms of transaction volume and number for many years, and has taken the lead in obtaining the qualification of market maker in the inter-bank bond market, a member of SHIBOR quotation group and the qualification of bond lending business in the national inter-bank bond market. Shanghai Bank also has the qualification to underwrite 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, Shanghai Bank also provides various financial services, including gold (platinum) trading agents, bond settlement agents, investment and financial planning design and asset management consulting, and shares market information and management experience with customers. In addition, Shanghai Bank also has the qualifications of new share capital verification bank and securities transaction settlement fund depository bank (including host depository bank, settlement bank, legal person depository bank and business department depository bank), and is the only depository bank in the national city commercial bank 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 the bank-securities-one-account-one-pass cooperation 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, and has nearly 240 special deposit accounts for various securities trading settlement funds.
Products and services
Handling local and foreign currency deposits and loans, domestic and international settlement; Handling acceptance, discount and interbank borrowing of local and foreign currency bills; Providing local and foreign currency guarantees; Issuing financial bonds; Underwriting, trading, issuing and paying government bonds; Handling entrusted loan business; Providing letter of credit services and guarantees; 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; Acting for payment and insurance agency business; Provide safe deposit box business; Other businesses approved by the People's Bank of China.