Who are the financial institutions that cooperate with China?

1. Who are the financial institutions that cooperate with China?

I answered questions from Beijing Housing Loan Guarantee Center, Bank of China, Shenzhen Development Bank, Industrial and Commercial Bank of China, China Merchants Bank, Citibank, China Everbright Bank, China Minsheng Bank, Bohai Bank, Shanghai Pudong Development Bank, Bank of Beijing, bank of tianjin, Guangdong Development Bank, Beijing Rural Commercial Bank, China CITIC Bank, Industrial Bank and Huijin Pawn. Their company address is: 29th floor, Xinyuan Hotel, Kyoto, lianhua bridge.

2. What are the credit products that banks and financial institutions cooperate with?

Banks themselves are financial institutions. Cooperative credit products mainly include agreed deposits and other items.

Three. Non-credit asset business cooperation between financial banks

Commercial Banking Commercial banking is the traditional main business, business and financial market business of China Bank (mainly referring to capital business).

Corporate finance business Corporate finance business is the main profit source of China banking industry. We will continue to focus on improving customer service system, promoting overall business linkage, strengthening product innovation and implementing management transformation, set up corporate finance department and strengthen line management. China Bank has long-term cooperative relations with key large-scale and high-quality corporate customers, and at the same time, it is clear that SME business is an efficient, professional and comprehensive partner of SMEs.

Deposit business

China Bank actively responded to the impact of the rapid development of the capital market on the deposit business and large-sum capital business of RMB companies.

Loan business/transaction

China Bank continued to strengthen the adjustment of loan structure, increased investment in key supporting industries, and realized the optimal allocation of credit resources.

Business of financial institutions

China Bank pays attention to all-round cooperation with financial institutions, and develops new products with * * * to provide customers with more comprehensive services.

Bank of China also carries out the clearing of USD, EUR and JPY through its branches in new york, Frankfurt and Tokyo, which are local first-class clearing banks.

International settlement and trade financing business

International settlement business is the leading business of China Bank. Bank of China strengthens the linkage between domestic and overseas institutions, and realizes the rapid development of international settlement and trade financing business.

Financial business of other companies

China Bank provides payment and settlement services, mainly including bank draft, promissory note, remittance draft, entrusted deposit and bill custody. Product service innovation

China Bank combines and innovates corporate financial products to meet the latest business needs of corporate customers; Increase product cooperation with financial peers and actively carry out inter-bank corporate credit asset transfer; Launch RongYida (financing service based on accounts receivable), Tongyida (pledge of accounts receivable), Rongxinda (financing service based on accounts receivable insured by export credit insurance), Rongshida (financing with goods pledged) and other products to further enrich the types of financing products; Introduce new products such as implicit export factoring and forfaiting under D/A bank guarantee; In line with the changes in the mainstream settlement methods of global trade, we jointly organized a service facility platform (tsu) with ft in Chinese mainland, realizing the first real tsu transaction in China.

China Bank draws lessons from the successful practices of domestic and foreign counterparts and uses the strategic business model of investing in small enterprises; Revise the credit policy system of small and medium-sized enterprises and simplify the operation process of credit business of small and medium-sized enterprises; According to the characteristics of financing needs of SMEs, SME financing is introduced to provide short-term financing support for SME customers.

China Bank integrated clearing resources and launched a series of payment products, such as "Full Payment", "Remittance from Taiwan Province Province", "Priority Remittance" and "Special Remittance Service". It integrated the services of overseas branches and correspondent banks for the first time in Chinese mainland, realized going out to sea, and maximized the coverage of products. The product of "Taiwan Province Exchange" has changed the situation that this business has been monopolized by correspondent banks and expanded the business market.

Personal Finance Personal finance business is one of the key points of China Bank's strategic development. Bank of China continues to improve the management system and operation mechanism of personal financial business, set up a personal financial business department and strengthen the management of personal business lines; Focus on promoting the transformation of network operation mode, the construction of customer layered service system, the reform of retail loan marketing model and approval process; Strengthen product and service innovation, optimize business structure and income structure, and expand profit sources.

Savings deposit business

According to the needs of maintaining and increasing the value of personal financial assets, China Bank actively adjusted its business strategy to promote the coordinated development of savings business and wealth management business.

Personal loan business

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

Personal intermediary business

Personal intermediary business of China Bank includes local and foreign currency remittance, personal settlement and sale of foreign exchange, foreign currency exchange, insurance agency and fund business, receipt and payment business, etc.

Personal settlement and sale of foreign exchange and personal international remittance are the traditional advantages of China banks. Bank of China has continuously expanded its acceptance outlets for settlement and sale of foreign exchange, strengthened cooperation with international remittance companies, and increased sources of foreign exchange business. Further subdivide the personal foreign exchange business market, integrate many foreign exchange products into "one-stop" service, and build the brand of "BOC Hui".

China Bank seized the good opportunity of the rapid expansion of the capital market and the rapid development of various emerging investment products, vigorously developed fund agency and insurance agency business, and realized the leap-forward growth of agency business income.

"BOC wealth management" service

Bank of China actively expanded its personal finance business and devoted itself to the professional construction of "BOC Finance". There are 366 financial centers with unified standards, more than 65,438+0,000 financial studios and numerous financial counters, forming a wide-ranging and multi-level financial service channel for individual customers; Established a professional wealth management team composed of more than 200 financial 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 products; The exclusive VIP channel of BOC Wealth Management will be opened at airports in major cities in China to further improve the customer value-added service system of BOC Wealth Management.

Private banking business

China Bank provides high-net-worth individual customers with personal financial assets of more than US$ 6,543,800+,which has become a new development platform for personal financial services of China Bank. Bank of China's private banking customers and assets under management are growing rapidly, with obvious first-Mover advantage.

Bank card business

China Bank continues to strengthen the research and development, marketing, service and system construction of bank card products.

Channel construction

Bank of China has 10 and 145 outlets in China, which is an important strategic resource for Bank of China. China Bank comprehensively promoted the transformation project of outlets, endowed outlets with core functions by classification, optimized business processes, and implemented key performance indicators assessment.

Bank of China continued to increase investment in atm and other self-service equipment, and further optimized the layout and functions of the equipment. Product service innovation

Relying on the global service network and diversified service platforms, China Bank provides customers with all-round financial services, and constantly innovates and introduces new financial products in local and foreign currencies. Continue to promote overseas wealth management counter business to facilitate cross-border asset allocation for customers.

It further subdivided the financing needs of customers in the fields of consumption and investment management, and launched intermediary business services related to retail loans such as "Anxinbao" second-hand housing transaction fund entrusted supervision business and "Anyibao" second-hand housing transaction fund entrusted management business, which enhanced the influence of the "ideal home" retail loan brand.

Strengthen the promotion of bank card products, and launch special products such as UnionPay single-currency Great Wall official card, Air China bosom friend BOC visa Olympic credit card, BOC Ctrip credit card and Amway BOC credit card. , covering the market demand of official expenses, frequent travelers, business travel and business procurement of domestic enterprises and institutions respectively; China Bank Volkswagen Co-branded Card, Great Wall Ideal Home Co-branded Card and Great Wall China Life Co-branded Card were launched. Continuously improve the core functions of credit card products, and open the automatic repayment function of Great Wall RMB card to BOC credit card; Complete the transformation and upgrading of the emv standard of Great Wall International Card.

Financial Market Business The financial market business of China Bank mainly includes: proprietary trading of local and foreign currency financial instruments and agency business, various securities or index investment business in local and foreign currencies, debt capital market business, agency financing and asset management business, financial agency and custody business, etc. China Bank mainly operates fund business through five trading centers in Beijing, Shanghai, Hongkong, London and new york.

Global investment

China Bank's global investment mainly includes foreign currency investment and local currency investment.

The foreign currency investments of China banks mainly include government bonds, institutional bonds, credit bonds, mortgage-backed bonds (mbs), asset-backed bonds (abs) and money market loans.

Global transaction

Bank transactions in China are mainly divided into proprietary trading, market-making quotation trading and related valet trading.

In the market quotation business, Bank of China emphasizes the balance between business development and market liquidity risk control. In the inter-bank market, China Bank maintains a leading position in the fields of settlement and sale of foreign exchange, precious metals, RMB bonds and RMB swaps.

In trading agent, Bank of China actively seized the market opportunity of RMB interest rate rising and exchange rate fluctuation intensifying, and increased the promotion of hedging tools such as forward settlement and sale of foreign exchange and RMB structured interest rate swap, driving the growth of non-interest income.

asset management

Bank of China launched 33 1 local and foreign currency structured wealth management products. 8 products were launched in RMB Asset Management 16.

Debt capital market

China Bank further optimized its customer service, and launched financing consulting business during the year.

Fund trusteeship

China Bank seized the favorable opportunity of the rapid development of the capital market, vigorously expanded fund consignment, custody and various asset custody businesses such as annuity, social security, insurance, qdii, qfii, trust, special account wealth management and direct investment funds, strengthened risk management and internal control, continuously improved the information technology level and service quality of the consignment custody business, and realized the sustained and rapid growth of the fund consignment custody business.

Enterprise annuity management

In 2007, Bank of China successfully obtained the qualification of account manager of enterprise annuity, with dual qualifications of account manager and custodian, which created favorable conditions for the development of enterprise annuity business. Product service innovation

The ability to design and quote new products is one of the main competitive advantages of China Bank's financial market business. China Bank has always adhered to the innovative concept of customer demand-oriented, and is committed to attracting customers by developing innovative and tailor-made capital products and services with rich foreign exchange business experience and professional knowledge of strategic investors.

Bank of China Hong Kong Business Bank of China operates commercial banking business in Hong Kong through its subsidiary Bank of China Hong Kong. BOC Hong Kong is one of the major commercial banking groups in Hong Kong, providing comprehensive financial products and services to retail customers and corporate customers through more than 280 branches, more than 450 ATMs and other sales channels. BOC Hong Kong is one of the three note-issuing banks in Hong Kong. BOC Hong Kong has 65,438+05 branches in Chinese mainland and 65,438+0 branches overseas, providing cross-border banking services to customers in Hong Kong, Chinese mainland and overseas. BOC Hong Kong Holdings, which holds all the shares of BOC Hong Kong, began listing on the main board of the Hong Kong Stock Exchange on July 25th, 2002. China Bank holds 65.77% of the shares.

2007 is the 90th anniversary of BOC Hong Kong's service to Hong Kong. In the course of 90 years' history, BOC Hong Kong and Hong Kong have shared the same breath, developed together and prospered together, and won wide support and sincere trust from all walks of life in Hong Kong, becoming an important force in the financial sector in Hong Kong. 2007 is also the second year for BOC Hong Kong to implement the 2006-20 1 1 strategic plan. With its solid foundation in Hong Kong, BOC Hong Kong will consolidate its position in mainland China, establish a strategic foothold in the regional market, and strive to become the best financial services group.

agency business

BOC Hong Kong continued to optimize its stock service platform and improve its service level, with outstanding performance in stock trading business. In addition, the newly launched private placement service has also been welcomed by customers.

Renminbi business in Hong Kong

BOC Hong Kong was authorized by the People's Bank of China to continue to serve as the RMB clearing bank of Hong Kong banks. We will continue to broaden the scope of services and actively promote RMB comprehensive wealth management services. In 2007, with the opportunity of issuing RMB bonds in Hong Kong, BOC Hong Kong successfully became one of the joint lead banks, bookkeeping banks and placing banks for issuing RMB bonds in China Development Bank, The Export-Import Bank of China and China, further consolidating its market position.

Capital product business

Including structured notes and stock derivative warrants products, as well as China qualified domestic institutional investor (qdii) products. The new product has been welcomed by customers and achieved satisfactory sales results. In 2007, BOC Hong Kong further expanded its cash management service platform to provide tailor-made cash management services for key customers.

Mainland business in China

In terms of China's mainland business, BOC Hong Kong continues to exert the linkage effect with China Bank while actively developing its own business. Through mutual business introduction, both parties win each other. As an important step of BOC Hong Kong's "dual-track development" business development strategy in China, Nanyang Commercial Bank (China) Co., Ltd. (hereinafter referred to as "Nanshang China") officially opened on February 24th, 2007. Headquartered in Shanghai, Nanshang China is engaged in comprehensive banking, including RMB retail banking. The mainland branches of BOC Hong Kong and chiyu banking corporation limited Limited continue to operate as existing branches of foreign banks, focusing on the development of corporate banking and foreign exchange business.

China Bank, an investment bank, operates investment banking business through BOC International Holding Group (hereinafter referred to as BOC International). Through its branches in China, Hong Kong, the United States, the United Kingdom and Singapore, BOC International provides a wide range of investment banking products and services to domestic and foreign customers, including listing financing, mergers and acquisitions, financial consultancy, securities sales, investment research, fixed income, derivatives, structured products, asset management, direct investment, leveraged and structured financing, and private wealth management.

enterprise management

BOC International vigorously promoted the development strategy of "China Merchants Bank" and made breakthrough progress. Its product line has been continuously broadened, its service varieties have been continuously increased, and its strategic transformation has achieved remarkable results. Its business ties with the Group are increasingly close, and its core competitiveness and brand awareness are increasing day by day. In the turbulent capital market and increasingly fierce market competition, it has set a new high in operating performance since its establishment.

Underwriting and financial adviser

As a global coordinator, account book manager, sponsor or lead manager, BOC International has successfully completed the public offering of several listed projects. In terms of underwriting amount, BOC International ranked third in the IPO underwriting list of Hong Kong in 2007.

BOC International has established a global institutional customer network in securities sales and transactions. Thanks to the rapid development of capital markets in Hong Kong and the Mainland, BOC International's stock sales and trading market continues to maintain a strong growth momentum. BOC International and BOC Hong Kong have joined hands to strengthen the securities sales and trading business through their extensive distribution network. During the year, it ranked among the top three in the spot market of Hong Kong stocks.

fixed income

In 2007, BOC International, as the arranger, joint global coordinator and bookkeeping bank, successfully issued bonds (including RMB bonds) for many enterprises and financial institutions in Hong Kong, and initiated the product structure of bond-linked warrants in the first overseas issuance of bonds by Sino-Singapore Group, and won the "Best High-yield Bond Award in 2007" issued by Asian Currency magazine.

asset management

BOC Prudential, a joint venture asset management company under BOC International, continues to be at the forefront of the Hong Kong market. In 2007, the total assets under management increased to HK$ 43.3 billion, an increase of 565,438+0% over the previous year. Bank of China Prudential launched the first overseas exchange-traded fund product with the Shanghai and Shenzhen 300 Index as the target on the main board of the Hong Kong Stock Exchange, which aroused widespread concern in the market.

Direct investment

In 2007, Bohai Industrial Investment Fund successfully participated in many large-scale projects such as Tianjin Steel Pipe Group, and continued to maintain its leading position in the field of RMB industrial investment funds, and won the "2007 China Most Innovative Product Award" issued by Asian Asset Management magazine.

Leverage and structured financing

BOC International is committed to designing and providing customers with high-quality financing solutions, focusing on financial consultancy, bridge financing, leveraged financing, structured financing and other services, and providing financial support for investment and financing activities such as leveraged buyouts, corporate restructuring, strategic mergers and acquisitions, and project construction.

Private wealth management

BOC International pays close attention to the development trend of Asian wealth management market. In 2007, the Private Wealth Management Department was established in Hong Kong to provide a series of tailor-made products and services such as comprehensive investment consulting, securities trading and portfolio consulting for qualified individual customers with high net assets.

Mainland business in China

BOC International operates its mainland business through BOC International Securities. BOC International Securities is mainly engaged in securities issuance, listing sponsorship and underwriting business, securities brokerage business, bond proprietary business, securities asset management business, securities investment consulting (including financial consultants) business, etc. There are 20 sales offices in Chinese mainland 17 major cities. BOC International Securities is the underwriter of mainland government bonds and bonds of China companies and financial institutions. In 2007, the underwriting share of China government bonds and policy financial bonds of BOC International Securities ranked first among mainland brokers. The customer base and business network of China Bank provide a broad platform for BOC International to further expand its business in China. In 2007, BOC International Securities successfully served as the lead underwriter of initial public offerings of some large domestic enterprises, and made great progress in underwriting business, which was widely recognized by investors. With BOC International and BOC International Securities as the lead underwriters, China Railway Corporation, the first "A before H" start-up project in China, has created a brand-new issuance mode of listing in domestic and foreign capital markets, which embodies the advantages of cross-border operation of investment banking business of China Bank.

BOC Group Insurance Co., Ltd. China Bank operates insurance business through its wholly-owned subsidiary BOC Group Insurance Co., Ltd. (hereinafter referred to as "BOC Group Insurance"). BOC Group Insurance is mainly engaged in general insurance business, and operates life insurance business through BOC Group Life Insurance Co., Ltd. (hereinafter referred to as "BOC Group Life Insurance") jointly held with BOC Hong Kong Holdings. Bank of China Group Insurance currently has six branches in Hong Kong, which is in a leading position in the property insurance market in Hong Kong. In 2007, Standard & Poor's gave BOC Group an "a-" credit rating, which affirmed the sound financial strength of BOC Group's insurance.

General insurance business in Hong Kong

In 2007, faced with the fierce price war in the insurance market in Hong Kong, on the one hand, BOC Group Insurance avoided participating in vicious competition, on the other hand, it enhanced the depth and breadth of products, expanded its marketing network and strengthened its competitive strength by developing and improving its products. Developed and improved products including Kanger Hospitalization Insurance Plan, Aviation Insurance and Core Comprehensive Insurance. On the premise of not affecting the overall business, we adjusted the insurance structure, vigorously expanded low-risk business and narrowed the underwriting conditions of high-risk business. By optimizing the business combination, we will expand low-risk businesses such as medical insurance and effectively reduce the proportion of auto insurance and ship insurance.

Hong kong life insurance business

BOC Hong Kong Holdings and BOC Group Insurance hold 565,438+0% and 49% shares of BOC Group Life respectively. At present, BOC Group Life Insurance operates individual and group life insurance business in Hong Kong and has a representative office in Beijing.

In 2007, BOC Group Life Insurance and BOC Hong Kong continued to strengthen cooperation, gradually showing synergistic benefits. According to the needs of BOC Hong Kong customers, BOC Group Life has launched a number of new insurance products by using BOC Hong Kong's sales and market network, actively promoted premium payment and investment-linked insurance products, and continuously optimized the product structure.

Mainland business in China

BOC Group Insurance established a wholly-owned subsidiary, BOC Insurance Co., Ltd. (hereinafter referred to as "BOC Insurance") on June 5438+ 10, 2005 to operate insurance business in the Mainland. In 2007, the registered capital of BOC Insurance increased to HK$ 2 billion, and its solvency was significantly enhanced.

2007 is a year for BOC Insurance to seek development and breakthrough. Bank of China Insurance accelerated its institutional construction and business expansion, set up an auto insurance department, set up four business units: industrial and commercial insurance, personal insurance, water insurance and auto insurance, and adjusted and improved the organizational structure of its branches. During the year, the preparatory work for 12 mainland branches was completed. By the end of 2007, BOC Insurance had set up branches in 16 provinces, covering most parts of the country. BOC Insurance has established extensive business cooperation with many internationally renowned insurance brokerage companies and reinsurance companies. We have cooperated with many domestic enterprises in large-scale projects.

BOC Group Investment Co., Ltd. China Bank engages in direct investment and investment management business through its wholly-owned subsidiary BOC Group Investment Co., Ltd. (hereinafter referred to as "BOC Investment"). BOC Investment is an important carrier of China Bank's foreign direct investment and investment asset management. BOC Investment conducts various investment activities in Hong Kong, Macao, China Mainland and overseas, covering corporate equity investment, real estate investment, acquisition and disposal of non-performing assets, asset management and other fields.

enterprise management

In 2007, BOC Investment served the development strategy of China Bank, greatly improved its independent operation and market-oriented operation ability, enriched its investment portfolio, expanded its investment fields, and continuously strengthened its internal mechanism construction with the focus on improving its core competitiveness, thus achieving all-round development and promotion of its business.

In 2007, Bank of China invested in the situation, prudently carried out investment business, reasonably avoided the risk of price fluctuation, and ensured the realization of stable income; Strengthen the value management of investment projects, improve operating efficiency and achieve value preservation and appreciation. At the same time, scientifically judge the market trend, seize the opportunity, quit in time, and get a satisfactory return on investment. In 2007, BOC Investment further strengthened its cooperation with well-known investment banks, professional funds, asset management companies, mainland government departments and strategic partners in related business areas, which contributed to a number of corporate equity investments. BOC Investment has extended the value creation chain and tried to take a new model as the basis for business development and expansion. In 2007, on the basis of expanding ipo investment, BOC Investment expanded private equity investment and fund investment scale, and conducted overseas investment market survey, which achieved substantial results. Under the environment of rapid economic growth and continuous improvement of asset quality, BOC Investment has explored new business models such as purchasing right, purchasing debt-paying assets and transferring assets on the basis of mature models such as sole proprietorship acquisition, joint venture acquisition and structured transaction, which has played an active role in helping to dispose of assets in the system and further promoted the direction of merger and reorganization.

BOC Aviation Leasing Pte Ltd On June 5438+February 65438+May 2006, Bank of China successfully acquired Singapore Aircraft Leasing Pte Ltd, a leading aircraft leasing company in Asia. This is the first large-scale overseas acquisition by Bank of China, marking that Bank of China has become the first bank in China to enter the global aircraft leasing business. Shortly after the acquisition, the company changed its name to "BOC Aviation Leasing Pte Ltd".

By the end of 2007, BOC Airlines had 76 aircraft serving 29 airlines in 19 countries. The company has 63 employees from many countries, including 55 employees in Singapore headquarters and 4 employees in Europe and the United States.

From 2007 to 20 12, Airbus and Boeing will lease and deliver 60 aircraft from BOC Aviation, 45 of which have been leased to airlines. BOC Aviation Leasing has successfully grasped favorable market conditions and formed a strong and sustainable leasing revenue channel. BOC Aviation Leasing will actively seize market opportunities and increase revenue by acquiring assets and providing all-round services, including providing prepayment financing for global airlines.

BOC Aviation Leasing actively promotes China Bank to further explore the business opportunities in the international aircraft financing market. In the first half of 2007, Bank of China, London Branch provided debt financing for British Airways' four Airbus a32 1 aircraft through BOC Aviation Leasing.

After a year of successful operation, BOC Aviation Leasing has proved its value to BOC Group. With the resources of Bank of China and financial resources, BOC Aviation Leasing is ready to become a leading enterprise in the field of aircraft leasing, and will continue to work to help enhance the position of Bank of China in the global aircraft financing market.

BOC Fund Management Co., Ltd. BOC Fund Management Co., Ltd. (hereinafter referred to as "BOC Fund") is a Sino-foreign joint venture fund management company jointly funded by Bank of China and BlackRock Investment Management (UK) Co., Ltd., and acquired 67% and 65,438+06.5% of the shares held by BOC International Securities Co., Ltd. and BOC International Holdings Co., Ltd. respectively on June 8, 2008. At present, the main business of BOC Fund includes issuing and managing fund products for domestic investors, and is committed to providing various investment management and consulting services for institutional and individual customers.

Bank of China attaches great importance to expanding its asset management business. As an important force for China Bank to expand its asset management business in China, BOC Fund will make full use of the powerful network resources and customer resources of China Bank, expand sales channels, develop business and further enhance its comprehensive competitiveness.

enterprise management

Bank of China China, Bank of China Currency, Bank of China Growth and Bank of China Income managed by Bank of China Fund all achieved good investment performance in 2007, which was widely recognized by investors. Bank of China China Fund and Bank of China Growth Fund were successively rated as five-star funds by Securities Times, and Bank of China China Fund won the "2007 China Star Fund Award". Bank of China money market funds always put safety and liquidity first. In 2007, when money market funds were generally faced with huge redemption pressure and liquidity risk, China Bank's money market funds effectively prevented liquidity risk, which was recognized by investors. Uh-huh, uh-huh