Introduction of featured business:
Letter Link: It is a whole industry chain and whole process supply chain financing product launched by Jiangsu Bank, which helps customers to develop together with upstream and downstream partners in the supply chain. The main products include: chattel pledge financing, accounts receivable pledge financing, confirmed warehouses, domestic letters of credit, etc.
Agricultural head loan: Jiangsu Agricultural Industrialization Leading Industry Association provides the list of leading agricultural enterprises at all levels in Jiangsu Province, Jiangsu Huilong Investment Guarantee Co., Ltd. provides guarantees for leading agricultural enterprises, and Jiangsu Bank provides financial services to leading agricultural enterprises that meet the credit conditions.
Energy efficiency loans: loans granted by Jiangsu Bank to specific customers in cooperation with the International Finance Corporation of the World Bank Group are used for energy-saving projects, renewable energy projects and financial services for manufacturing energy-saving and renewable energy equipment.
Cash treasure: It refers to the products that sign product agreements with corporate customers, and agree to flexibly manage the large amount of funds with uncertain storage period in their RMB unit settlement accounts, and calculate the interest according to the storage period according to the agreement.
Bill pool: products that provide customers with bill custody, bill information inquiry, discount, entrusted collection, working capital loans, invoicing and other credit businesses with part or the whole of the bill custody as pledge according to customers' requirements. On the basis of international settlement and trade financing products, Jiangsu Bank's international business has launched a series of international business products featuring "Zijin Foreign Huitong" and "RMB Overseas Express Train", which can provide more than 20 kinds of financing services. Actively expand cooperation channels, with nearly 2,000 global correspondent banks. Promote the research and development of foreign exchange derivatives and wealth management products, and constantly adapt to the foreign exchange fund business needs of various customers. The annual international settlement volume is nearly 50 billion US dollars. Bank of Jiangsu accelerated the pace of international development and actively "went global", and successively established "Shanghai Cross-border RMB Studio" and "Shenzhen-Hong Kong Studio" to promote the innovation of cross-border financial products.
Introduction of featured business:
Zijin Foreign Huitong: foreign exchange business products, services and combination application integrating international settlement, trade financing and foreign exchange fund trading, including Zijin trading large household room, e-link and other special financial services.
Rmb overseas through train: a product series including various cross-border RMB settlement services, which can effectively help customers avoid exchange rate risks and reduce financing costs;
Jiangsu Bank has always adhered to the policy of "serving small and medium-sized enterprises, serving local economy and serving urban residents", thoroughly implemented various credit support policies of the regulatory authorities, constantly innovated financial business products and business models of small and micro enterprises, and made every effort to help small business customers grow and develop.
Bank of Jiangsu has a deep insight into the financial needs of small business customers, comprehensively launched the service brand "Xiaokuailing", established and improved the credit mechanism for small businesses, promoted the construction of franchise institutions and optimized business service processes, and provided faster, more flexible and professional financial services for small business customers. Establish a batch business model for small and micro enterprises to improve financing efficiency. Actively promote services in technology and finance, strengthen cooperation with relevant government departments, and successively launch special loan projects such as "Science and Technology Star" and "Software Star".
Introduction of featured business:
Core business group of "Xiao Kuailing" brand
The core business group of "Xiaokuailing" brand * * * has nine financing solutions and more than 40 small business financial products, with financing products as the core, including settlement, wealth management, e-banking, consulting and other financial products, providing "all-round, full-process and full coverage" financial services for small business customers and giving them excellent financial experience.
Technology and finance service:
"Science and Technology Star" loan business: cooperate with the Provincial Science and Technology Department and the Provincial Department of Finance to carry out the "Science and Technology Star" loan business, and support the development and growth of more than 1,000 scientific and technological innovative small enterprises in the province;
Provincial Angel Investment Guidance Fund Project: Work with the Provincial Science and Technology Department and the Provincial Department of Finance to promote the development of provincial angel investment guidance fund projects, alleviate the financing difficulties of small and micro science and technology enterprises, and further establish and improve the science and technology investment and financing system;
"Software Star" loan project: cooperate with the Provincial Economic and Information Committee to carry out the "Software Star" loan project to further support the development of software enterprises in the province.
Adhering to the goal of improving efficiency, Jiangsu Bank's treasury business has actively expanded new business channels and strengthened cooperation with various banks, insurance companies, securities companies and other peer institutions. At present, it has become an important and active member of the inter-bank bond market. The capital business ranks higher than some national joint-stock banks in the market, and the bill business ranks in the forefront of banks in Jiangsu Province, and the wealth management business has achieved large-scale and serialized development. As one of the pillar businesses of Jiangsu Bank, treasury business provides strong support for the integrated development of corporate, retail and investment banking businesses.
Characteristic business category category product money market category deposit interbank deposit wealth management products investment open market business policy bank financial bond underwriting central treasury cash business investment transaction category spot self-operated settlement and sale of foreign exchange RMB foreign exchange forward transaction RMB foreign exchange swap RMB foreign exchange currency swap RMB foreign exchange option cash bond lending online information. Agreement on Forward Interest Rate of Bond Borrowing, Pledged Repurchase and Buyout Repurchase (RMB) Interest Rate Swap Credit Risk Mitigation Certificate (CRM) Trading Agency Business "Steady Win" Series "Steady" Series "Privilege" Series Bill Direct Sticking Business-Buy Out, Sell Out, Buy Back, Sell Back, Buy Back Inter-bank Loan, Inter-bank Credit Agency Trust Scheme-RMB is paid by other banks to repay the beneficial right of inter-bank business trust-buy back. Jiangsu Bank regards investment banking as a strategic business, and comprehensively uses bonds, trusts, securities, funds, leasing, insurance, asset management and other business products to effectively meet the personalized and diversified financial needs of high-end customers, enhance comprehensive marketing service capabilities, extend the value chain of corporate business, and promote transformation and development.
Introduction of featured business:
1, Comprehensive financial solution: Jiangsu Bank is the financial consultant, and according to the different situations and investment and financing needs of government agencies, large enterprises, small and medium-sized enterprises and individual customers, products and tools such as traditional commercial banks, new investment banks and various trust, fund and brokerage asset management plans are comprehensively integrated into a comprehensive and diversified financial service solution, so as to solve the financial needs of customers with the fastest speed, the smallest radius and the shortest time.
2. Structured financing business: raising social funds through wealth management business, or adopting specialized means such as beneficial right self-investment to provide structured financing services for high-quality customers and solve their diversified financing needs.
3. All kinds of bond underwriting business: Through cooperation with various intermediaries, we provide underwriting services for high-quality enterprises to issue corporate bonds, corporate bonds, short-term financing bills, medium-term bills, SME collective bills, SME private placement bond, non-public directional debt financing instruments and other bonds, helping high-quality enterprises to broaden direct financing channels.
4. All kinds of equity pledge financing business: based on the high-quality listed and unlisted equity held by shareholders of the company, we provide them with phased financing needs through pledge.
5. Merger and reorganization business: in response to the call of the state, support the low-cost expansion of superior capital, and provide merger and reorganization financing and consulting services for key enterprises. The services include but are not limited to due diligence, stress test of merger and acquisition ability, design and implementation of transaction structure, target enterprise valuation, synergy analysis, design and implementation of financing scheme, optimization and restructuring of debt structure, design and implementation of integration scheme, etc.
6. Refinancing business of listed companies: through cooperation with securities firms, we provide underwriting and consulting services such as corporate bonds, private placement and rights issue for listed companies, and can also participate in private placement subscription of listed companies to help issuers successfully raise funds.
7. Asset management business: providing various investment and wealth management services for institutional customers and private customers with abundant funds, with short, medium and long term and high, medium and low risks, and assets covering credit, bills, capital markets and money markets.
Jiangsu Bank has identified the retail business as an important starting point to promote transformation and serve the society. While doing a good job in standardized financial services for traditional customers in the province, it has actively innovated wealth management, consumer finance and bank card business products, promoted the construction of service channels such as wealth management centers, community banks and building banks, and comprehensively improved the comprehensive service capabilities of mid-to high-end customers.
Introduction of featured business:
Wealth management: create a personal wealth management service brand of Jubao Wealth, form a wealth management product system including wealth management products, insurance, funds, treasury bonds, precious metals and trusts, and successively launch "Steady", "Steady Win", "Growth", "Privilege", "Monthly Win", "Season Peak" and "E Privilege".
Consumer finance: according to the needs of different levels of customers, we have created a brand system with "timely loan" as the core, formed three categories of product systems: house purchase, consumption and people's livelihood, launched special products such as deposit-loan, revolving loan, card-easy loan and easy purchase, continuously optimized the personal loan business structure, improved the comprehensive income of personal loan business, introduced advanced IT system foundation, and vigorously developed consumer finance business. The bank card business of Jiangsu Bank adheres to the service tenet of "customer-centered", and under the guidance of the business philosophy of "paying equal attention to quantity and quality, putting quality first", improves the approval process of bank card business, realizes centralized operation in the middle and back office, deeply subdivides the market, strengthens market alliance, develops characteristic products by relying on technological innovation, organizes diversified marketing, and continuously meets customers' personalized consumption needs. By the end of 20 13, there were nearly 880,000 credit card accounts, and the annual consumption was12.704 billion yuan.
Feature card introduction:
Introduce "color photo credit card" for young customers who pursue individuality;
Launch "Hand-made Co-branded Credit Card" for health-conscious customers;
First launched the ATM shopping channel and "Lianjiayun co-branded card";
Realize the integration of mobile phone chip and financial IC card;
Promote the "Tianyi Mobile Payment Co-branded Credit Card" that supports "in the air";
Cooperate with visa to jointly launch VISA Youth Olympic theme foreign currency credit card.
Electronic banking is the strategic focus of Jiangsu Bank's transformation and upgrading, covering online banking, mobile banking, SMS banking, telephone banking, TV banking, electronic payment merchants, Internet portals and related electronic payment services. E-banking business aims at "one point access, full service" to build a product platform, implement the two-wheel drive of traditional e-banking business and internet finance, and provide customers with high-quality online services.
Introduction of featured business:
Online banking: Personal online banking introduces a brand-new UI design, and is committed to improving the customer experience and creating convenient, fast and considerate online banking services for customers. Enterprise online banking has conducted comprehensive risk control for online transfer of enterprises through a relatively complete authorization mechanism for online banking of enterprises, and provided an integrated financial operation platform for enterprises.
Mobile finance: since the launch of mobile banking in April, 20 12, the number of customers has increased rapidly, and the total number of customers has exceeded 300,000. At present, it is gradually improving the realization of business on the mobile side, taking mobile finance as a business breakthrough and launching financial integrated and life-oriented services such as mobile securities and LBS services; Wechat Bank and Yixin Bank have been launched one after another, becoming the first dual-platform mobile bank in China.
Internet finance and tripartite payment: actively establish and expand access channels, and have achieved business coverage of key payment platforms in the industry, such as Alipay and Tenpay. At the same time, actively expand cooperation with industry e-commerce, try supply chain financing, and establish a variety of specialized e-commerce cooperation models.