What are the Bank of China's businesses for the general public?

Divided into two main categories: corporate finance business and personal finance business.

Corporate finance business:

1. Deposit business

Bank of China actively responds to the impact of the rapid development of the capital market on the RMB corporate deposit business, and vigorously develops the RMB corporate deposit business.2. Loan business

Bank of China continues to strengthen the restructuring of its loan portfolio, increase its investment in key support industries, and realize the optimal allocation of credit resources. The Bank of China continues to strengthen its loan restructuring and increase its investment in key support industries to optimize the allocation of credit resources.

3. Financial Institutions Business

Bank of China focuses on comprehensive cooperation with financial institutions, providing customers with more comprehensive services through mutual customer referrals, resource ****sharing and ****development of new products.

Bank of China also clears US dollars, euros and Japanese yen through its New York, Frankfurt and Tokyo branches, all of which, together with its Singapore branch, are local Tier 1 clearing banks.

4. International Settlement and Trade Finance Business

International settlement business is Bank of China's strength. Bank of China strengthens the linkage between domestic and overseas institutions to realize the rapid development of international settlement and trade finance business.

5. Other Corporate Finance Businesses

Bank of China provides payment and settlement businesses, which mainly include bank drafts, cashier's checks, checks, exchange, bankers' acceptances, entrusted collection, collection and payment, centralized payment, circled deposit of checks, and custody of bills.

Personal finance business:

1. Savings deposit business

Bank of China responds to the need for preservation and appreciation of the value of personal financial assets, and takes the initiative in adjusting its business strategy to promote the coordinated development of the savings business and wealth management business.

2. Personal Loan Business

Bank of China vigorously promotes "direct customer" marketing services, and promotes and improves the online centralized approval system.

3. Personal Intermediary Business

Bank of China's personal intermediary business includes local and foreign currency remittance, personal settlement and sale of foreign exchange, foreign currency exchange, agency insurance and fund business, and collection and payment business.

Personal settlement and sale of foreign exchange and personal international remittance are the traditional strengths of Bank of China. Bank of China has continued to expand the acceptance outlets for settlement and sale of foreign exchange business and strengthened cooperation with international remittance companies, increasing the sources of foreign exchange business. It has further segmented the market for personal foreign exchange business by integrating a wide range of foreign exchange products into a "one-stop" service and creating the "BOC Remittance" brand.

Bank of China seized the opportunity of the rapid expansion of the capital market and the rapid development of various types of new investment products to vigorously develop its fund distribution and insurance agency business, realizing a leapfrog growth in agency business income.

4. "BOC Wealth Management" Service

Bank of China has been actively expanding its personal wealth management business and is committed to the professionalization of "BOC Wealth Management". The number of unified standard wealth management centers has reached 366, and there are more than 1,000 wealth management studios and a large number of wealth management counters in outlets, forming a wide-coverage, multi-level wealth management service channel for personal customers; it has set up a professional wealth management team consisting of more than 200 wealth management and investment consultants and more than 2,500 wealth management managers to provide customers with professional services such as investment and wealth management solutions and investment and wealth management series products; it has opened a new service centre at the airport of major cities in China, and has set up a new service centre at the airport of major cities in China. It has set up a professional wealth management team consisting of more than 200 wealth management advisors and over 2,500 wealth management managers to provide customers with specialized services such as investment and wealth management solutions and investment and wealth management products.

5. Private Banking Business

Bank of China provides private, exclusive, wealth-creating and high-quality services to high-net-worth individual clients with personal financial assets of more than US$1 million, which has become a new platform for the development of Bank of China's personal financial business. Bank of China's private banking clients and assets under management are growing rapidly, with a clear first-mover advantage.

6. Bank card business

Bank of China continues to increase its efforts in the research and development, marketing, service and system construction of bank card products.