Is the oral repayment agreement negotiated by Shanghai Pudong Development Bank valid?

Invalid. The oral repayment agreement negotiated by Shanghai Pudong Development Bank is invalid, because the oral agreement has no evidence and no legal effect. Shanghai Pudong Development Bank is a joint-stock commercial bank with a wide range of business, including a variety of financial services and products, mainly engaged in loans and deposits, and its business scope is to absorb citizens' deposits, discount bills and issue loans.