Jiangsu Bank Financial Services

Adhering to the principle of "controllable risk, optimized structure, priority benefit and capital saving", Jiangsu Bank Company has carefully created core products such as supply chain finance, cash management and syndicated loans on the basis of traditional credit services, and is committed to providing customers with a package of financial service solutions. At the same time, actively connect with emerging industries, vigorously develop green credit and cultural finance, and support the development of agricultural modernization.

Introduction of featured business:

Letter link: It is a whole industry chain and whole process supply chain financing product launched by Jiangsu Bank to help customers 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 for leading agricultural enterprises that meet the credit conditions.

Energy efficiency loans: loans granted by Jiangsu Bank in cooperation with the International Finance Corporation of the World Bank Group to specific customers for energy-saving projects, renewable energy projects and financial services for manufacturing energy-saving and renewable energy equipment.

Cash treasure: refers to a product that has signed a product agreement with a company customer, and agreed to flexibly manage the large amount of funds with uncertain storage period in its RMB unit settlement account, and calculate the interest according to the storage period according to the agreement.

Bill pool: products that provide customers with credit services such as bill custody, bill information inquiry, discount, entrusted collection, working capital loan, invoicing, etc. with part or all of the bill custody as pledge according to customer 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's foreign exchange" and "RMB overseas through 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 Exchange: foreign exchange business products, services and combined applications integrating international settlement, trade financing and foreign exchange fund trading, including Zijin Trading House, 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 develop and grow.

Jiangsu Bank 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 more rapid, 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 science, 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:

The 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 small business customers with "all-round, full-process and full coverage" financial services and giving them excellent financial experience.

Technical and financial services:

"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 0/000 science and technology 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 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 actively expanded new business channels and strengthened cooperation with 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, 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 comprehensive development of corporate, retail and investment banking businesses.

Characteristic business category category product money market category deposit interbank deposit wealth management product 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. Bond loan forward interest rate agreement, pledged repo and buyout repo (RMB) interest rate swap credit risk mitigation certificate (CRM) transaction agency business "stable win" series "stable win" series "privilege" series bill direct paste business-buyout, sale, repurchase, interbank lending, interbank credit agency trust plan-RMB is paid by other banks to repay the beneficial rights of interbank business trust-repurchase. 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 company's business value chain and promote transformation and development.

Introduction of featured business:

1. Comprehensive financial solution: With Jiangsu Bank as the financial consultant, 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, various trusts, funds, securities companies' asset management plans are integrated into a comprehensive and diversified financial service solution, so as to solve customers' financial needs with the fastest speed, shortest radius and shortest time.

2. Structured financing business: raising social funds through wealth management business, or adopting specialized means such as self-investment of beneficial rights 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 the company's shareholders, provide them with staged financing needs through pledge.

5. Merger and reorganization business: Respond 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. Services include but are not limited to due diligence, stress testing of M&A capability, design and implementation of transaction structure, valuation of target enterprises, collaborative 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 we 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 to institutional customers and private customers with abundant funds, with short-,medium-and long-term risks and high, medium-and low-risk assets covering credit, bills, capital markets and money markets.

Jiangsu Bank regards 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, we will actively innovate wealth management, consumer finance and bank card business products, promote the construction of service channels such as wealth management centers, community banks and China Construction Bank, and comprehensively enhance the comprehensive service capabilities of mid-to high-end customers.

Introduction of featured business:

Wealth management: build 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 "stable win", "stable win", "growth", "exclusive", "monthly win", "Jifeng" and "e exclusive".

Consumer finance: according to the needs of customers at different levels, we have built a brand system with "timely loan" as the core, formed three product systems: house purchase, consumption and people's livelihood, and launched special products such as deposit and loan, revolving loan, card easy loan and easy purchase, constantly optimized the business structure of personal loan, 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 "taking customers as the center", 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 scientific and 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 was 65.438+02.704 billion yuan.

Function card introduction:

Introduce "color photo credit card" for young customers who pursue individuality;

Introduce "manual co-branded credit cards" for health-conscious customers;

Take the lead in launching 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 the 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", builds a product platform, realizes the two-wheel drive of traditional e-banking business and internet finance, and provides customers with high-quality online services.

Introduction of featured business:

Online banking: Personal online banking introduces brand-new UI design, and is committed to improving customer experience and creating convenient, fast and intimate online banking services for customers. Enterprise online banking has comprehensively controlled the risk of enterprise online transfer through a relatively perfect authorization mechanism of enterprise online banking, 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, with the total number of customers exceeding 300,000. At present, we are 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 CreditEase Bank were launched one after another, becoming the first dual-platform mobile banking 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.