China Zheshang Bank Co., Ltd. (2016)

Overview

China Zheshang Bank Co., Ltd., established in 1993 and based in Hangzhou, China, specializes in offering a comprehensive range of commercial banking products and services across Mainland China. The institution caters to a broad spectrum of clients, including corporate entities, government institutions, and individual customers, through its diverse operations segmented into Corporate Banking, Retail Banking, and Treasury Operations. Each segment is tailored to meet the unique financial needs and requirements of its respective clientele, ensuring a specialized and targeted approach to banking and financial services.

Products and Services

• Corporate Banking

  This segment supports corporate, government, and institutional clients with a diverse portfolio of financial products and services. It includes corporate loans and advances for operational and capital expenditure needs, trade financing services to facilitate international and domestic trade transactions, deposit products for liquidity management, and financial guarantees for credit enhancement. Additionally, it offers debt instruments underwriting services for entities looking to raise capital through bond issuances and a variety of bank intermediary services to facilitate various financial transactions.

• Retail Banking

  Focused on individual customers, the Retail Banking segment provides personal loans and advances to meet various financing needs, such as home mortgages and personal lines of credit. It also offers deposit products tailored to individual savings and investment preferences, comprehensive financial management services, including wealth management and investment products, and bank cards that cater to daily financial transactions and cash management. Further, this segment encompasses a broad spectrum of other retail banking services designed to fulfill the everyday banking needs of individuals.

• Treasury Operations

  This segment deals with the bank's internal and proprietary trading activities, including money market transactions, repurchase agreements for short-term borrowing and lending, and investments in debt and equity instruments. It also manages proprietary financial derivatives trading, executing transactions both for the bank’s own account and on behalf of its customers. Additionally, Treasury Operations issues debt securities to support the bank’s capital requirements and offers a variety of other financial products and services tailored to market demands.