| Business category | No. | Service item | Charging rates | Incentives | Service Content | Remarks |
| Domestic Payment and Settlement | 020101 | Handling charges for transfer and remittance | Handling charges for intra-bank transfer and remittance to corporate accounts over the counter/intra-bank transfer via corporate internet banking/inter-bank transfer via corporate internet banking/bank-enterprise direct linkage intra-bank transfer/bank-enterprise direct linkage inter-bank transfer/intra-bank transfer via intra-industry internet banking/inter-bank transfer via intra-industry internet banking/intra-industry direct linkage (including bank-finance company direct linkage) intra-bank transfer/intra-industry direct linkage (including bank-finance company direct linkage) inter-bank transfer/intra-bank transfer on IB Steward App /inter-bank transfer on IB Steward App /transfer over the counters with corporate settlement cards/transfer at ATMs with corporate settlement cards (inter-bank local transfer)/ Bank-enterprise direct global fund management domestic RMB intra-bank transfer and remittance/ Bank-enterprise direct global fund management domestic RMB inter-bank transfer and remittance: For a transfer amount of not less than RMB 10,000, RMB 5 per transaction; For a transfer amount of more than RMB 10,000 but not more than RMB 100,000, RMB 10 per transaction; For a transfer amount of more than RMB 100,000 but not more than RMB 500,000, RMB 15 per transaction; For a transfer amount of more than RMB 500,000 but not more than RMB 1 million, RMB 20 per transaction; For a transfer amount of more than RMB 1 million, 0.002% of the transferred amount is charged, RMB 200 per transaction maximum. Handling charges for transfer at ATMs with corporate settlement cards (inter-bank non-local transfer): It is charged at the rate of 1% of the transferred amount, not less than RMB 5 each transaction but not more than RMB 50 each transaction. |
1. Handling charges for intra-bank transfer and remittance to corporate account over the counter: provisionally waived from October 25, 2013 to June 30, 2025; 2. Handling charges for intra-bank transfer via corporate internet banking/bank-enterprise direct linkage/intra-industry internet banking/intra-industry direct linkage (including bank-finance company direct linkage): provisionally waived from October 25, 2013 to June 30, 2025; 3. Handling charges for inter-bank transfer via corporate internet banking/bank-enterprise direct linkage/intra-industry internet banking/intra-industry direct linkage (including bank-finance company direct linkage): for a single transaction of not more than RMB 100,000, the inter-bank transfer and remittance handling fees are charged at a 10% discount on the charging standard. The preferential treatment is valid from September 30, 2021 to June 30, 2025; 4. Transfer handling fees on IB Steward App: provisionally waived from January 1, 2016 to June 30, 2025; 5. Handling fees for domestic RMB intra-bank transfer and remittance via bank-enterprise direct global fund management are provisionally waived from September 15, 2021 to June 30, 2025; 6. Handling fees for domestic RMB inter-bank transfer and remittance via bank-enterprise direct global fund management: for a single transaction not more than RMB 100,000, the inter-bank transfer and remittance handling fees are charged at a 10% discount on the charging standard. The preferential treatment is valid from September 30, 2021 to June 30, 2025; 7. Intra-bank transfer at ATMs with corporate settlement cards: this Bank has waived the charges since the launch of the business on September 1, 2016; 8. Inter-bank transfer at ATMs with corporate settlement cards: no handling fee. The preferential treatment is valid from September 30, 2021 to June 30, 2025. 9. The handling charge of intra-bank transfer over the counter of corporate settlement cards: has been exempted by thisBbank since the launch of the business on September 1, 2016; 10. The handling charge of inter-bank transfer over the counter of corporate settlement cards: if the amount of a single transaction is no more than RMB 100,000, the inter-bank transfer and remittance handling charges are collected at a 10% discount on the charging standard, which extends from September 30, 2021 to June 30, 2025. |
1. Handling charges for intra-bank transfer and remittance to corporate accounts over the counter: transferring the money of a customer from its IB account into another IB account (both local and non-local) over the counter; 2. Intra-bank transfer via corporate internet banking/bank-enterprise direct linkage/intra-industry internet banking/intra-industry direct linkage (including bank-finance company direct linkage): to provide customers with transfer services (including external payment, batch payment, virtual sub-account payment, securities capital transfer, and group payment, etc.) within the whole bank and within the domination of a IB branch (including local and non-local) via corporate internet banking, bank-enterprise direct linkage and bank-finance company direct linkage. 3. Inter-bank transfer via corporate internet banking/bank-enterprise direct linkage/intra-industry internet banking/intra-industry direct linkage (including bank-finance company direct linkage): to provide customers with local inter-bank and non-local inter-bank transfer services via corporate internet banking, bank-enterprise direct linkage, interbank internet banking/interbank direct linkage (including bank-finance company direct linkage) (including external payment, batch payment, virtual sub-account payment, and group payment, etc.). 4. Transfer with corporate settlement card over the counter: to provide customers with transfer service from IB accounts to (local and non-local) intra-bank or inter-bank accounts over the counter. 5. Transfer at ATMs with corporate settlement cards (local and non-local inter-bank): to provide customers with transfer service from IB accounts to (local and non-local) inter-bank accounts at ATMs. 6. IB Steward App intra-bank transfer: To provide customers with transfer services within the whole bank and within the domination of a same IB branch (including local and non-local) via IB Steward App (including intra-bank remittance, convenient transfer, external payment, batch payment, virtual sub-account payment). 7. Inter-bank transfer on the IB Steward App : to provide customers with inter-bank transfer services (local and non-local) via the IB Steward App (including inter-bank remittance, convenient transfer, external payment, batch payment, virtual sub-account payment). 8. Domestic RMB intra-bank transfer and remittance via bank-enterprise direct global fund management: to provide customers with transfer service of RMB funds from domestic IB accounts to other domestic IB accounts via bank-enterprise direct global fund management. 9. Domestic RMB inter-bank transfer and remittance via bank-enterprise direct global fund management: to provide customers with transfer service of RMB funds from domestic IB accounts to other domestic inter-bank (including local and non-local) accounts via bank-enterprise direct global fund management. |
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| 020106 | Handling charges for acceptance of bank acceptance draft | For bank acceptance drafts（paper drafts and electronic drafts included), charged at the rate of 0.5‰ of the par value. | This Bank accepts the paper bank acceptance drafts or electronic bank acceptance drafts issued by this Bank to customers, and provides bill settlement services including daily management, bill verification, and payment to the payees or bill holders upon receiving the reminder for payment. | The term of such drafts is no more than 6 months. | ||
| 020107 | Handling charges for Collection | Authorized collection/collection with acceptance: RMB 2 per transaction. | A payee entrusts IB to collect money from the payer (including the business where a customer entrusts IB to handle the authorized collection on bills) | For mailing the documents of customers’ authorized collection, postages are charged from the customers at the charging rate of the post office; No postage is charged from the customer for authorized collection on bills for which discounts are given to IB. |
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| 020108 | Account Information Alteration | Account information change: RMB 10/time/customer | Account information change: change of registered address and business scope. | |||
| 020109 | Domestic L/C | 1. L/C issuance handling fee: charged at the rate of 0.05% - 0.15% of the L/C amount, not less than RMB 100. If the L/C amount increases, the fee will be charged according to the maximum amount after the increase; 2. L/C modification/cancellation handling fee: RMB 100 per transaction; for the modification involving an increase in the amount, collect the L/C issuance handling fee for the increased amount according to the standard for L/C issuance handling fee, and no handling fee is charged for the L/C modification; for the modification involving a decrease in the amount, collect the L/C modification handling fee, and refund the L/C issuance handling fee already charged on the reduced amount during the remaining validity period thereof; for domestic L/C cancellation, collect the L/C cancellation handling fee, and refund the L/C issuance handling fee already charged for the canceled L/C amount during the remaining validity period thereof; 3. Notification (notice of modification) fee: RMB 50–200 each transaction; 4. Confirmation of payment due (acceptance): 0.05% of the acceptance amount is charged per quarter, not less than RMB 200 per transaction. If it lasts for less than a quarter, the period will be counted as a quarter; 5. Document verification fee: charged at the rate of 0.1% of the document amount, not less than RMB 300 and not more than RMB 2,000 per transaction; 6. Negotiation: charged at the rate of 0.1% of the amount of document for negotiation; 7. Discrepancy: RMB 300–500 each transaction; 8. Confirmation fee (including notification charge): 0.1% - 0.5% of the confirmed amount is charged per quarter, not less than RMB 300 per transaction; if it lasts for less than a quarter, the period will be counted as a quarter; 9. Handling fee for modification / cancellation of Confirmation: RMB 100 per transaction; for the modification involving the increase in the confirmed amount, the fee for the increased amount is charged according to the original standard for the confirmation fee, and no handling fee is charged; for the modification of the Confirmation; for the modification involving the decrease in the confirmed amount, collect the confirmation modification handling fee, and refund the fee already charged for the reduced amount of the Confirmation during the remaining confirmation period thereof; for confirmation cancellation, collect the confirmation cancellation handling, and refund the fee already charged for the canceled amount of the Confirmation during the remaining confirmation period thereof; 10. Handling fee for L/C transfer: charged at the rate of 0.1% of the transferred amount. If the transferred L/C has an increase in its amount, the fee will be charged according to the maximum amount after the increase, not less than RMB 200 and not more than RMB 1,000 per transaction; 11. Handling fee for modification/cancellation of transferred L/C: RMB 100 per transaction; for the modification involving an increase in the amount, the handling fee for the increased amount is charged according to the standard for the handling fee for L/C transfer, and no transfer modification handling fee is charged; for the modification involving an decrease in the transfer amount, collect the handling fee for modification of transferred L/C; 12. Replacement fee (including replacement of transferable L/C): RMB 100 each transaction. |
Notification (notice of modification): may be free of charge according to the circumstances if documents are presented at this Bank | 1. L/C issuance: to provide customers with the service of issuing domestic L/C; 2. L/C modification/cancellation: to provide customers with L/C modification (including increasing and decreasing the amount)/cancellation services; wherein increase modification refers to providing customers with modification service involving the increase of L/C amount; decrease modification refers to providing customers with modification service involving the decrease of L/C amount; 3. Notification (notice of modification): the advising bank of domestic L/C notifies beneficiaries after receiving L/C from the issuing bank; 4. Confirmation of payment due (acceptance): to provide the customers of this Bank with the service of settlement by L/C including conducting confirmation of payment due and performing the responsibility of payment on the date of expiry; 5. Document verification: to provide the service of document verification for documents mailing and claiming based on the L/C; 6. Negotiation: the act that the negotiating bank pays the consideration to the beneficiary; 7. Dispose of discrepancy: to dispose documents with discrepancy; 8. Confirmation of L/C (including notification charge): to confirm the domestic L/C issued by other banks and notify the beneficiary; 9. Confirmation modification/cancellation: to provide customers with confirmation modification (including increase and decrease)/cancellation services; wherein increase modification of the confirmation refers to providing customers with modification service involving an increase of the confirmed amount; decrease modification of confirmation refers to providing customers with modification service involving a decrease of confirmed amount; 10. Transfer: to provide the customer (the first beneficiary) with the settlement by L/C service of transferring the received domestic L/C to the second beneficiary for acceptance; 11. Transfer modification/cancellation: to provide customers with modification (including increase and decrease)/cancellation services of the transfer; wherein increase modification of transfer refers to providing customers with modification service involving the increase of transferred amount; decrease amount transfer modification refers to providing customers with modification service involving the decrease of transferred amount; 12. Documents presentation: for the documents submitted to this Bank for documents mailing and claiming, provide the customer (the beneficiary) the services of assisting modification and replacement; for the presentation of a transferable L/C, after the secondary beneficiary under the transferable L/C delivered documents, provide the first beneficiary with the presentation service. |
Issuing L/C, increase amount modification, common modification/cancellation, acceptance/commitment: charged to the applicant, unless otherwise stipulated in the terms of L/C. Other charges related to domestic L/C should be charged from the applicant for L/C issuance or beneficiary according to L/C terms. |
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| 020110 | Management of Preset Seal | Seal alteration: RMB 20/time/account | To provide the service of alter the preset seal. | Management of preset seal can be charged for half if the customer use payment cipher. | ||
| 020111 | Payment Cipher Generator Business | Production cost of payment cipher generator: subject to the cost price or the unified price determined by the local People’s Bank of China; Alteration business of payment cipher generator (altering account key, unlocking, etc.): RMB 20 / each / account; Handling fee for loss report of payment cipher generator: RMB 20 / report / account |
IB is commissioned to sell the payment cipher generators and provides customers with services such as account binding, alteration and loss report. | |||
| 020112 | Reproduction of Receipt Business | Reproduction of paper receipt (excluding detailed statement and balance statement): free of charge within three months, RMB 10 for each beyond three months but within two years, RMB 20 for each beyond two years but within than three years, and RMB 100 for each beyond three years. The reproduction of detailed statement, balance statement and the electronic receipt is free of charge. | To provide reproduction of receipt again as applied by customers. The receipt refers to the receipt provided by the bank to the customer for the business handled. | |||
| 020114 | Large-sum Withdrawal of Corporate Customers | Large-sum withdrawal of corporate customers: the fee is charged for each account from which RMB 50,000 has been withdrawn accumulatively the same day; the exceeding part is charged at the rate of 1‰, down to RMB 5/transaction and capped at RMB 500/transaction. | To provide large-sum cash withdrawal service for clients. | |||
| 020115 | Petty Cash Counting for Corporate Customers | Minimum RMB 5 for a customer exchanging, depositing, or withdrawing more than 500 pieces accumulatively in a day, additional RMB 1 for each 100 pieces increased, not more than RMB 500. | To provide the counting service of depositing, withdrawing and converting bank notes and coins of an denomination not more than RMB 1. | |||
| 020202 | Handling Charge for Internet Transaction (Service) | Payment institutions/online inter-bank payment merchants/online franchised merchants/Online Fast Track of Payment merchants/online directly linked merchants: including B2C online payment, B2B online payment, B2C fast payment, personal authorized collection, corporate entrusted collection, entrusted payment, and authority authentication and identification verification. The final price will be determined by agreements based on cost of channels and the actual circumstances of the local market and client . | IB provides account verification and payment services for payment institutions, and provides merchants with the fund settlement service and fund collection and payment service for intra-bank and inter-bank online payment. Meanwhile, IB provides the system and platform for the signed merchants to conduct fund payment, transaction inquiry, settlement inquiry and refund according to the functions actually applied. The collection and payment business supports corporate and personal collection and payment. The online fund settlement business supports payment with RMB debit cards and credit cards, and online payment with international credit cards such as VISA and MASTER CARD. | Online franchised merchants: include B2C/B2B/mobile phone merchant users. | ||
| 020203 | Other Ticket Service Charge | Handling charge for bill custody/bill pledge: not more than RMB 100 per commercial bill for custody and not more than RMB 50 per commercial bill for bill pledge; or collected as a whole according to the stipulations of relevant agreements. Management charge for electronic commercial draft service: charged by agreements. |
Bill custody: IB provides customers, according to their entrustment, with integrated services including commercial draft safekeeping, inquiry of bills, identification of bills, and reminder of expiry. Letter of credit custody: services such as letter of credit custody provided by IB as a letter of credit custody service provider. Bill pledge: IB accepts the undue commercial drafts that customers transfer (endorse) to our bank, and provides them with financing services under such drafts. Customers may inquire about draft status, draft information and information about the available credit line under the corresponding drafts. Electronic business draft service and management: IB provides services including issuance, acceptance, endorsement transfer, discount, pledge, reminder of payment and inquiry of electronic business draft through internet banking for customers qualified for the business. |
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| International Payment and Settlement | 020301 | Export collection | Clean collection: 0.1%, down to RMB 50 and up to RMB 1,000 for each transaction; Documentary collection: 0.1%, down to RMB 100 and up to RMB 1,500 for each transaction. |
Customers give the financial papers and commercial papers to IB and our bank, on their behalf, collects money from the oversea payers or importers. | ||
| 020302 | Import agency collection | 1. The handling charge of inward collection: The handling charge of agency collection for clean bills: 0.1% of the collection, down to RMB 50 and up to RMB 1,000 for each transaction; The handling charge of documentary agency collection: 0.1% of the collection, down to RMB 100 and up to RMB 1,500 for each transaction. 2. The reimbursement charge of inward agency collection: The reimbursement charge of agency collection for clean bill and documentary agency collection: USD 50 per transaction. |
1. Import agency collection: under the entrustment of an overseas bank, IB reminds the importer of making payment or acceptance for the bills or documents delivered by the overseas bank, and remits the money collected to the overseas bank. In the import agency collection, our bank will collect the handling charge from the importer (costumer) or the overseas recipient. 2. Reimbursement for import agency collection: provide customers with the service of reimbursement of amount under the import agency collection. |
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| 020303 | Modification of collection advice | RMB 100 each transaction | Customers modify the above entrusted matters of the export collection like amount, term, documenting method, and payer, and request this Bank to send messages to foreign countries. | |||
| 020304 | Payment-free documents | Payment-free documents (export collection/import agency collection): RMB 100 per transaction, without the handling charges for “export collection/Import agency collection”. | Payment-free documents (export collection): to provide customers with the service of delivering the financial papers and commercial papers or commercial papers without financial papers on behalf of the customers, to overseas payers or importers; Payment-free documents (import agency collection): under the entrustment of an overseas bank, this Bank provides the service of transferring the delivered documents to the customer as required in the letter of instruction. |
Payment-free means that the customer does not have to make a payment for goods or relevant matters. | ||
| 020305 | Handling charges for return of documents for dishonor of agency collection, replacement (modification) of documents, and reminder of acceptance | RMB 100 each transaction | Return of documents for dishonor of agency collection: this Bank, as instructed by the customer or the overseas bank, provides services such as dishonor and return of documents for the collection documents sent by the overseas bank; Replacement (modification) of documents: under the entrustment of an overseas bank, this Bank replaces and modifies the documents sent by the overseas bank before and reminds the customer of making the payment or acceptance once more; Reminder of acceptance: under the entrustment of an overseas bank, our bank reminds the customer of making acceptance for the documents after sight sent by the overseas bank as required in the letter of instruction. |
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| 020306 | Export L/C | 1. Pre-advice fee: RMB 100 each transaction; Advice or transmission fee: RMB 200 each transaction; Advice or transmission fee for L/C modification: RMB 100 each transaction; Revocation of L/C within the valid term: RMB 100 each transaction; The documents presented in IB are exempted from the aforesaid charges; 2. Handling fee for Confirmed L/C: 0.0625% of the confirmed amount a month, minimum RMB 300 each transaction. If it lasts for less than a month, the period will be counted as a month. 3. The handling fee for modification of the confirmation: RMB 200 each transaction; for the modification involving an increase in the confirmed amount, the confirmation fee for the increased amount is charged according to the original confirmation handling fee standard, and no modification confirmation handling fee will be charged; for the modification involving a decrease in the confirmed amount, the confirmation modification handling fee will be charged, and the confirmation fee already charged during the remaining confirmation period of the reduced amount will be refunded; 4. Handling fee for L/C transfer: charged at the rate of 0.1% of the transferred amount. If the transferred L/C amount increases, the maximum amount after the increase will be charged, not less than RMB 200 and not more than RMB 1,000 per transaction; 5. Transfer modification handling fee: RMB 100 per transaction; for the modification involving the increase in the amount, the transfer handling fee for the increased amount is charged according to the transfer handling fee standard, and the transfer modification handling fee will not be charged; for the modification involving the decrease in the amount, the transfer modification handling fee is charged; 6. Documents modification and replacement fee: RMB 100 each transaction; 7. Export document examination fee: 0.125% of the document amount will be charged, not less than RMB 200 each transaction. Pre-examination document fee: RMB 200 each transaction (exempted for documents presented in this Bank). |
1. Pre-advice: in order to meet the stock-up need of the beneficiary, under the circumstances that an overseas bank sends a letter of credit with simple provisions, this Bank will be required to notify the beneficiary. Advice or transmittal / advice or transmittal of modification of L/C: to provide the beneficiary with the advice or modification of the L/C sent by an overseas bank, or transmit the advice or the modification of the L/C to the bank designated by the opening bank; Revocation of L/C within the valid term: to provide the beneficiary within the valid term of the L/C, with the service of notifying the overseas bank that the L/C issued by the bank will not be enforced any more; 2. Confirmation: authorized by the issuing bank, to provide customers with confirmation services for L/C advised by this Bank; 3. Modification of confirmation: authorized by the opening bank, to provide customers with confirmation services for the L/C modification advised by this Bank. Increase amount modification of confirmation: to provide customers with modification service involving the increase of the confirmed amount; non-increase amount modification of confirmation: to provide customers with other confirmation modifications (including decreasing the amount) apart from the increase amount. 4. Transfer: to provide customers with the service of transferring L/C issued by overseas banks to a third party for acceptance according to the customers' requests; 5. Modification of transfer: to provide customers with transfer modification service (including an increase or decrease in the amount); Increase amount transfer modification refers to providing customers with modification service involving an increase of the transferred amount; decrease amount transfer modification refers to providing customers with modification service involving a decrease of the transferred amount; 6. Modification and replacement of documents: to assist customers to modify or revoke the documents submitted by the customers (beneficiaries) to this Bank for sending the documents for payment; 7. Export document examination: for the documents prepared and delivered by the beneficiary to our bank according to the requirements of the overseas bank’s for the letter of credit, this Bank provides assistance in examining and sending the demand for payment. Pre-examination document: this Bank provides pre-examination service on draft documents submitted by the beneficiary before they are officially issued. |
Charges relating to an export L/C are generally charged from the beneficiary unless the terms of the L/C are otherwise stipulated. | ||
| 020307 | Import L/C | 1. The handling fee for issuance of L/C: collected at 0.1%–0.15% of the L/C amount, down to RMB 300/transaction. In case of an increment in L/C amount, the fee should be collected according to the maximum amount after the increase; the handling fee for full margin is charged at 0.08% down to RMB 300/transaction; if the validity period exceeds three months, an additional 0.05% will be charged for every three months. If the validity period is less than three months, it will be charged for three months, and no additional fee will be charged for the full margin. 2. L/C modification handling fee: RMB 200 per transaction; for the modification involving an increase in the amount and the extension of validity period, the L/C issuing handling fee for the increased amount/extended period is charged according to the standard for L/C issuing handling fee, and no L/C modification handling fee will be charged; for the modification involving a decrease in the amount, the L/C modification handling fee will be charged, and the L/C issuing handling fee already charged during the remaining validity period of the reduced amount will be refunded; Modification fee for received document: RMB 100 per transaction; 3. Handling charge for acceptance: 0.05% of the accepted amount a month, minimum RMB 200 each transaction. If it lasts for less than a month, the period should be counted as a month; 4. Import document examination fee: USD 40 each transaction; 5. Reimbursing fee: USD 50 each transaction; 6. Handling charge for discrepancy: USD 50-80 each transaction; 7. Handling charge for delivery against bank guarantee: 0.05%, minimum RMB 300 per transaction; 8. Handling charge for bill of lading endorsement: RMB 300 each transaction, which may be exempted for a bill of lading with a demonstrative order of this Bank. 9. Fee for return of document/revocation of L/C within the valid term: RMB 100 each transaction. If the L/C is revoked within the validity period, the revocation handling fee will be charged, and the opening handling fee already charged during the remaining validity period of the revoked L/C amount will be refunded. |
1. L/C issuance: the service of issuing import a L/C provided to customers; 2. L/C modification: The services of modifying the L/C (including amount increase, extension of validity period and amount decrease) provided to customers; the amount increase modification refers to providing customers with modification service involving an increase of the L/C amount; the amount decrease modification refers to providing customers with modification service involving a decrease of L/C amount; modification for the received document: the service of replacing or changing the documents delivered by an overseas bank previously and notifying the applicant by this Bank as required by the overseas bank; 3. Acceptance: the L/C settlement services provided to customers by our bank, i.e., sending a message to overseas banks to make a payment commitment for the bill or documents after sight and perform the payment responsibilities on the due date of payment in accordance with the L/C terms; 4. Import document examination: the service provided to customers of examining documents delivered by an overseas bank under the L/C issued by this Bank; 5. Reimbursing: the service of providing customers or serving as an agency for another bank to provide customers with payment of money under the import L/C; 6. Handling the discrepancy: the service provided to customers of handling the discrepancy documents sent by the overseas bank; 7. Delivery against bank guarantee: the service provided to customers, that if the goods under the import documentary letter of credit arrive at the place of destination before the original ocean bill of lading, this Bank will serve as the joint warrantor to issue a “Guarantee for Delivery” for it and take delivery from the shipping company with the guarantee; 8. Bill of lading endorsement: the service provided to customers of making an endorsement at the back of the bill of lading; 9. Return of documents: the service provided to customers of returning documents to the overseas bank; revocation within the validity period of L/C: the service provided to customers of revoking the import L/C that is still within the validity period. |
Expenses related to import L/C opening, amendment, acceptance, delivery against bank guarantee, bill of lading endorsement, return and L/C revocation are generally charged from the applicant for L/C issuance; the issuing bank generally collects the beneficiary document examination fee, reimbursement fee and discrepancy handling fees, unless otherwise stipulated in the L/C terms. | ||
| Electronic Banking | 020201 | Annual service charge of corporate internet banking/intra-industry internet banking | Annual service charge of corporate internet banking / intra-industry internet banking: RMB 100 per year for opening corporate internet banking service, charged according to electronic channel codes. As of the end of the year, customers who have opened corporate internet banking for not less than one year (inclusive) will be charged at the annual standard of RMB 100 per year, and customers who have opened for not less than half a year (inclusive) will be charged RMB 50 per year. | Annual service charge of corporate internet banking: it is charged at a 50% discount according to the current standard. The preferential treatment is valid from September 30, 2021 to December 31, 2024. Annual service charge of intra-industry internet banking: temporarily waived from April 1, 2022 to June 30, 2025. |
Annual service charge of corporate internet banking/intra-industry internet banking: to provide customers with corporate internet banking/intra industry internet banking services according to the agreement. | |
| 020204 | Annual service charge of bank-enterprise direct linkage/intra industry direct linkage | AAnnual service charge of bank-enterprise direct linkage/intra-industry direct linkage: RMB 2,000 per year, charged according to electronic channel codes. As of the end of the year, customers who have opened for more than one year (inclusive) will be charged the annual standard of RMB 2,000 per year, and customers who have opened for more than half a year (inclusive) will be charged RMB 1,000 per year. After the annual service charge of bank-enterprise direct linkage is charged, no annual service charge of corporate internet banking will be charged. | Annual service charge of bank-enterprise direct linkage: it is charged at a 50% discount according to the current standard. The preferential treatment is valid from September 30, 2021 to December 31, 2024. Annual service charge of intra-industry direct linkage: temporarily waived from April 1, 2022 to June 30, 2025. |
Annual service charge of bank-enterprise direct linkage/intra-industry direct linkage: to provide customers with bank-enterprise direct linkage/intra-industry direct linkage services according to the agreement. Bank-enterprise direct linkage / intra-industry direct linkage refers to the channel that customers connect with the standard data service interface of bank-enterprise direct linkage/intra-industry direct linkage of the bank through financial or fund management system to obtain integrated and customized financial services. | ||
| Trade Finance | 020116 | Domestic factoring | Handling charge for factoring: recourse factoring/non-resource factoring/non-financial factoring/factoring for financing lease/joint factoring: charged in accordance with the agreement based on service contents, transaction nature, risk level, overall returns, market competition and other situations. Factoring charge: domestic factoring pool/reverse factoring: charged in accordance with the agreement based on service contents, transaction nature, risk level, overall returns, market competition and other situations. |
1. Recourse factoring/non-recourse factoring/non-financial factoring/factoring for financing lease/joint factoring: if a domestic seller (creditor) transfers to IB (or IB and a joint factor) the accounts receivable from the commodities sold or serviced provided by the seller to a domestic buyer (debtor) on credit or the accounts receivable from the lease provided by a domestic financing and leasing company to a lessee through finance leasing, IB (or IB and the joint factor) will provide the customers with integrated financial services such as investigation of financing of accounts receivable and commercial credit standing, management of accounts receivables, and guarantee for bad debts. The handling charge will be charged from the seller; 2. Domestic factoring pool: when a domestic seller (creditor) transfer to IB the accounts receivable by means of recourse, whose balance remains stable and covers the credit exposure of IB, IB will provide business model of credit for the seller. The handling charge will be charged from the seller; 3. Reverse factoring: in transactions paid on credit, and under the premise of no disputes about the basic transaction and accounts receivable, IB will use the buyer’s direct credit line in IB to provide the seller with accounts receivable financing without recourse. The handling charge will be charged from the seller/buyer. |
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| 020308 | Export factoring business | 1. Handling charge for factoring: Single export recourse factoring/single non-resource factoring/double recourse factoring/double non-resource factoring: the rate of charge will be determined in accordance with service contents, transaction nature, risk level, overall returns, market competition and other situations as specified in the agreement. It will be charged at a certain proportion of the transferred amount in the accounts receivable, not less than 0.1%; 2. Charge for the investigation over credit standing: RMB 300 each transaction; Outward Remittance charges, telecommunication charges and related fees collected by import factors of an agency collecting nature should be charged from the client separately. |
Export factoring: when an exporter (seller/supplier) sells commodities or services to an importer (buyer or debtor) in international trades with O/A or D/A as the settlement method, IB, as the export factoring agent, will provide customers with one or more services such as management of accounts receivables, collection of accounts receivables, guarantee for bad debts and export factoring financing; Investigation of credit standing: to provide the service of investigation over the buyer’s credit for customers to export goods. The aforementioned fees are charged from the exporter. |
Investigation over credit standing of export factoring: if an exporter handles the factoring business with this Bank in a timely manner after getting the formal credit line for the buyer, the charge will not be collected. If the exporter does not handle the factoring business with this Bank after signing a factoring agreement with our bank, the charge will be collected (it is not applicable to the circumstance that our bank only gets the “Reply on Preliminary Assessment over the Credit Line for Export Factoring” but not the “Notification on the Approval of Credit Line for Export Factoring”). This Bank will collect the charge for investment over credit standing if goods are not consigned or services are not provided and documents are submitted for proceeding with the factoring business within 90 days after the day the credit line is approved formally. If, after that, the exporter transfers the invoice to this Bank, the charge thereby collected may be used to deduct the factoring charges. | ||
| 020309 | Handling charge for import factoring | It will be charged at a certain proportion of the transferred amount in the accounts receivable, not less than 0.1%. | As an import factor, IB provides credit guarantee for customers to import goods, thus providing services such as accounts receivable management and collection for exporters. Import factoring charges may be deducted on a case-by-case basis upon payment of foreign exchange, or from the combined commission of the same exporter on a monthly basis. The handling fee will be charged from the importer or exporter according to the agreement. | |||
| 020310 | Forfeiting service | 1. Reselling charge for forfeiting (export forfeiting): based on the market quotation, together with the transaction amount, risk level, comprehensive income and market competition, the fee should be charged according to the agreement. 2. Export forfeiting—Handling charge for forfeiting: based on the market quotation, together with the transaction amount, risk level, comprehensive income and market competition, the fee should be charged according to the agreement; |
1. Reselling charge for forfeiting (export forfeiting): after connecting with the forfeitor who then explicitly agree to make the forfeiting, this Bank will resell the bill or the creditor’s rights to the forfeitor upon such purchase from the exporter. The handling charge will be charged from the exporter. 2. Export forfeiting—Handling charge for forfeiting: To provide customers with other integrated service when handling the export forfeiting reselling business. The handling fee is charged from the exporter. |
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| 020311 | Export buyer credit business | Export buyer credit business management fee: charged in a lump sum at 0.5%-1.5% of the total loan. Export buyer credit business commitment fee: charging at 0.5%–1% (annual) of the amount not drawn during the withdrawal period. Small and micro-enterprises are free of charge. |
Export buyer credit business management fee: to design financing schemes for customers and provide the service of managing financing affairs during the business process. Export buyer credit business commitment fee: to provide capital arrangement for the export buyer’s credit that has been committed but not withdrawn. |
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| Agency Service | 020402 | Agency collection (tax payment) and agency payment | Handling fees for agency collection (tax payment) and agency payment: It should be charged at the agreed price, but not more than the charging rate announced by the government at any level. | IB deducts money from the payer’s account according to the collection amount and details of the principal or notifies the payer to transfer and remit money to the charging units; according to the payment authorization certificate of the principal, IB transfers and remits provisions to the designated account; IB establishes and conserves the account details of collection and payment for the principal; IB provides the payment management system for the principal, the principal can manage customers’ payment details and collection receipt details. The service covers public utilities fees such as water, electricity, and gas charges, telephone and mobile charges, internet charges, CATV charge, and housing fund, as well as commercial charges including insurance premium, property management fees, tuition, traffic fine, expressway tolls, and rents. | To be collected from the principal | |
| 020403 | Agency money box safekeeping and transporting | It is charged according to the number of money boxes, minimum RMB 5,000 each piece a month; or it may be charged by agreements. | To accept the entrustment of the intra-industry bank and provide it with the service of money box safekeeping and delivery in accordance with the terms of the agreement signed. | |||
| 020404 | Agency cash transferring and transportation of the cash to be deposited in or withdrawn from the People’s Bank of China. | It is charged at the rate of 0.8‰–1‰ of the transferred amount; or it may be charged by agreements. | To accept the entrustment of intra-industry bank to provide it with cash transfer and services of receiving and depositing cash from the issuing treasury of the People’s Bank of China in accordance with the terms of the signed agreements. | |||
| 020405 | Agency issuance of bank’s acceptance bills | To collect charges from the intra-industry financial institution of the principal at the charging rate for customers of this Bank to handle bank’s acceptance bills. | Agency issuance of bank’s acceptance bills for intra-industry financial institutions. | |||
| 020406 | Inter-bank platform agent payment and settlement business | Access to the China National Advanced Payment System on behalf of the clients: charged at the agreed price, usually not more than RMB 50,000 a year for 5,000 transactions. An additional RMB 1 will be charged for each transaction of the excess of 5,000 transactions in addition to the standard rate of payment system of the People’s Bank of China. Handling fees for agency collection and agency payment (Huishoufu): charged according to the agreement. |
Access to the China National Advanced Payment System on behalf of the clients: access to China National Advanced Payment System for fund transfers such as the large and small amount payment system, the local payment system and the Internet Banking Payment System on behalf of the intra-industry financial institutions. Receiving and making a payment (Huishoufu) on behalf of the clients: access to various payment channels on behalf of the institutional clients. This Bank also provides unified fund receiving and payment services on behalf of the clients including but not limited to ID authentication, agency collection and agency payment. |
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| 020407 | Charges for fiscal agency service | Service charge for agency centralized payment of the national treasury / service charge for agency collection of non-tax revenue: signing an agency agreement with the financial department as the principal and charging fees according to the service charges settlement standard formulated by the financial department. | To provide financial units at all levels with agency services for fiscal business, including agency centralized payment of the national treasury, agency collection of non-tax income and other fiscal services. | The charging frequency is not fixed, and it is subject to the specific agreements reached by and between IB and fiscal departments at all levels. | ||
| 020408 | Fund agency | The charging rate may be decided by agreements. A proportion will be taken from the subscription and application fees, redemption fees and management fees charged from the product manager. | Upon the authority of fund companies, IB provides agency services including subscription, application, and redemption of fund products. | |||
| 020409 | Bond settlement agency business | 1. Handling charge for bond trading in cash: minimum RMB 500, not more than 0.01% of the face value of bonds. 2. Pledge/buyout buy-back handling charge: minimum RMB 300, not more than 0.01% of the face value of bonds. 3. Handling charge for distribution: minimum RMB 500, not more than 0.005% of the face value of bonds. |
1. Handling charges for bond settlement agency for bond trading in cash: according to the transaction entrustment instruction of a customer, this Bank accomplishes bond trading in cash in the inter-bank bond market for the customer as an agency, settles his or her bonds administrated by a national debt company, and settles funds for his or her transfer transactions; 2. Bond settlement agency for pledge/buyout buy-back handling charge: according to the transaction entrustment instruction of a customer, this Bank accomplishes pledge/buyout distribution transactions in the inter-bank bond market for the customer as an agency, settles, pledges and deblocks his or her bonds administrated by a national debt company, and settles funds for his or her transfer transactions; 3. Handling charge for bond settlement agency for distribution: this Bank accomplishes distribution transactions in the inter-bank bond market for the customer as an agency, settles his or her bonds administrated by a national debt company and the Shanghai Clearing House, and settles funds for his or her transfer transactions; provides market information consulting; and provides regular statement service. |
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| 020410 | Service fees for agency capital clearing for institutional customers | 1. General capital clearing business: the charging rate may be decided by agreements. 2. Charges for clearing, writing-off early termination and contract compression of the Shanghai Clearing House agency clearing business: collected by agreements. 3. Agency clearing fee for commodity spot clearing business of the Shanghai Clearing House: the standard is subjec to the relevant charging standard of commodity spot clearing business for the buyer’s spot clearing members published on the official website of the Shanghai Clearing House. (For details, see: https://www.shclearing.com.cn). |
General capital clearing business: to provide securities companies, insurance companies and other institutional clients with safe and efficient services such as payment, collection, real-time transaction information inquiry, transaction flow inquiry, clearing statement inquiry, etc. Agency clearing business by the Shanghai Clearing House: to provide clients with clearing, settlement, inquiry, guaranteed settlement and contract compression required to enter into the Central Counterparties (CCPs) of the Shanghai Clearing House; to apply for exit from the CCPs for transactions that have been involved in the CCPs; to apply for early termination for transactions that have been involved in the CCPs. Commodity spot clearing business of the Shanghai Clearing House: As a member of commodity spot clearing business of Shanghai Clearing House, this Bank has signed contracts with corporate customers who intend to participate in the commodity spot clearing business of the Shanghai Clearing House and provides the customers with agency capital settlement services. |
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| 020411 | Service fees for agency business for policy bank | The charging rate may be decided by agreements. | Accepting the entrustment of a policy bank, IB, on behalf of the policy bank and as agreed in the contract, monitoring the use of the loan funds and the operation of the projects supported by the loan, collect the loan interests and principals repaid upon maturity, and supervise the management and operation of the borrower and the guarantor. | |||
| 020412 | Service fees for agency domestic and foreign settlement business for other financial institutions | The charging standard should not exceed the charging standard for corresponding international/domestic settlement service in the IB’s price list announced to the public. | Service fees for agency international settlement business of other financial institutions; IB accepts the entrustment of a financial institution to provide settlement services such as handling international L/C and guarantee for its customers. Service fees for agency domestic settlement business of other financial institutions; IB accepts the entrustment of a financial institution to provide settlement services such as handling domestic L/C and guarantee for its customers. |
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| 020413 | Service fees for third-party depository for funds of customers settled in the securities transaction | The charging rate may be decided by agreements. | As an independent third-party depository bank for securities trading, our bank, under the consignment of a securities company, provides investors with such services as settlement of transactions and delivery and collection, and charging security companies. | |||
| 020414 | Agency funds collection and payment for institutional customers | The charging rate may be decided by agreements. | To accept the entrustment of customers, provide agency services including fund collection, distribution of benefits and cashing upon maturity. | |||
| 020415 | Agency sale of trust plan/product | The charging rate may be decided by agreements. | Upon the entrustment of trust companies, IB, serving as an agency, introduces trust products to customers. | |||
| 020416 | Agency for asset management plan and other business | The charging rate may be decided by agreements. | To accept the entrustment of a third parties such as securities companies, futures companies and the government to provide agency services such as sales, subscription, purchase and redemption of asset management plan and other products. | |||
| 020417 | Agency insurance business | Charged according to the agreements. | To act as an agent for the insurance business authorized by an insurance company, such as agency collection of premium, agency sale of personal insurance products and group insurance products, agency payment of insurance benefits, usage of agency sale system and internet technology support, etc. | |||
| 020418 | Agent sales of wealth management products | Charged by agreements. | To accept the entrustment of wealth management companies to provide agency services such as subscription, purchase and redemption of asset management plan products. | |||
| Management and Consultation | 020502 | Financial consultant charges | Financial consultant charge for merger and acquisition, and other financial consultant charges: to be decided according to the extension and depth of the service that this Bank offers to the customers and charged by agreements. Such charges are exempted for small and micro enterprises. |
To carry out the selection and recommendation of the project target, target industry analysis, screen potential buyers, provide suggestions for valuation and financing scheme design, provide investment advice, organize intermediaries to carry out due diligence, and business negotiations between the two parties, confirm transaction arrangements and other services according to customers’ needs. | ||
| 020503 | Underwriting fee | Underwriting fee for bonds: non-financial corporate debt financing instruments issuance and underwriting fee, overseas bond issuance and underwriting fee, financial bond issuance and underwriting fee, corporate bond issuance and underwriting fee, local government bond issuance issuance and underwriting fee, etc.: charged according to the agreements. Underwriting fee for debt financing programs: up to 2%/year in principle or charged at the contract price. Tool management fee: it is charged according to agreements. |
Underwriting of bonds: To provide such services as fabrication of material and assistance in examination and issuance for enterprises to issue bonds. Underwriting of credit financing programs: assist clients with filing and sales of credit financing programs. Tool management fee: to provide services like material production and assistance in approval and release for clients to release wealth management and direct financing tools. |
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| 020504 | Asset service and entrusted recovery | Asset management service fee: charged by agreements； Entrusted recovery service fee: charged by agreements. |
Asset management service fee: this Bank accepts entrustment of certain assets owners or managers to handle matters within the existence period of assets (including but not limited to assets management and other services within the existence period of assets); Entrusted recovery service fee: this Bank accepts entrustment of customers to collect the principal, interest, interest penalty, default fine from the debtor for the customers; this Bank accepts the entrustment of customers to recover and handle the underlying assets for the customers. |
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| Guarantee and Commitment | 020703 | Cross-border L/G (contains standby letter of credit (SLC)) | 1. Handling fees for L/G: L/G for cross-border financing purpose: 0.25%/quarter–0.5%/quarter of the bond amount, to a minimum of RMB 1,000/quarter; L/G for cross-border non-financing purpose: (1) performance bond, advance payment guarantee: 0.125%/quarter–0.25%/quarter of the bond amount, to a minimum of RMB 300/quarter; (2) bid bond: 0.1%/quarter–0.25%/quarter of the bond amount, to a minimum of RMB 300/quarter; (3) payment guarantee, quality guarantee or other L/G: 0.15%/quarter–0.25%/quarter of the bond amount, to a minimum of RMB 300/quarter; The above handling fees are charged on a quarterly basis for less than a quarter; If the bond balance decreases due to the reduction of the bond amount, and it should be charged according to the actual bond balance in stages. 2. Cross-border L/G modification fee: for amendment: for the modification involving amount increase/period extension, the additional amount/extension part should be charged according to the L/G handling fee standard; Non-amount increase/non-extension modification is charged at RMB 200/time; in case of both amount increase/extension modification and non-amount increase/non-extension modification, the fee should be charged according to the amount increase/extension modification standard, and no additional fee should be charged for non-amount increase/ non-extension modification; 3. Revocation fee of cross-border letter of guarantee: RMB 200 each transaction. 4. Cross-border letter of guarantee notification fee: RMB 200 each transaction; 5. Cross-border letter of guarantee amendment notification fee: RMB 100 each transaction. 6. Handling fees for compensation claim against cross-border letter of guarantee: 0.0625%, down to RMB 500 each transaction and up to RMB 5,000 each transaction. |
1. Cross-border letter of guarantee: upon customers’ application, IB will issue a letter of guarantee for customers or a third-party institution to the beneficiary that is legally binding, promises to perform the relevant payment obligations in accordance with the stipulations of the guarantee contract and may generate the guarantee for cross-border payment or cross-border transfer of asset ownership and other international balance of payments transactions. 2. Cross-border letter of guarantee modification: to provide customers with service of modifying the content of letter of guarantee (like amount or period) issued by IB. 3. Cross-border letter of guarantee revocation: to provide customers with the revocation service of the letter of guarantee . 4. Cross-border letter of guarantee notice: to provide customers with service of informing the letter of guarantee issued to the customers by other banks. 5. Notification of the cross-border letter of guarantee modification: to provide customers with service of informing the letter of guarantee modification issued to the customers by other banks. 6. Cross-border letter of guarantee claim: to provide customers with letter of guarantee claim service for those issuing the letter of guarantee. |
The handling fee, modification fee, and cancellation fee of cross-border letter of guarantee are generally charged from the applicant of the letter of guarantee; expenses of notification, modification notification, handling compensation claim of the cross-border letter of guarantee are generally collected from the beneficiary of letter of guarantee, unless the terms of the letter of guarantee are otherwise stipulated. The cross-border letter of guarantee referred to in this service item contains the standby letter of credit (SLC). |
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| 020704 | Domestic letter of guarantee | 1. Handling charge for domestic letter of guarantee: Financing letter of guarantee: 0.25‰/quarter–1%/quarter of the balance of the letter of guarantee, to a minimum of RMB 300 each transaction; Non-financing letter of guarantee: 0.125‰/quarter–5‰/quarter of the balance of the letter of guarantee, to a minimum of RMB 300 each transaction; For less than a quarter, it is charged on an actual basis; The partial cancellation of the letter of guarantee should be charged according to the balance of the letter of guarantee after the actual cancellation; 2. Charges for reissuance of letter of guarantee business refers to the handling fee for letter of guarantee. 3. Modification handling fee of domestic letter of guarantee: RMB 300 each transaction; if the balance of the letter of guarantee is increased, the increase part will be charged according to the handling fee standard of the letter of guarantee; if an extension of the period is involved, the extension part will be charged according to the handling fee standard of the guarantee letter, and no modification handling fee will be charged. |
1. Domestic letter of guarantee: upon the application of customers, IB will provide the guarantee promises for the warrantee to the domestic beneficiary. IB will also bear the relevant responsibilities when the warrantee fails to perform the relevant responsibilities or obligations in accordance with the contract. The charges will be collected by IB from the applicant. 2. Domestic letter of guarantee modification: to provide customers with letter of guarantee modification service. |
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| 020705 | Risk exposure management fee for bank’s acceptance bill | It is charged at a rate of between 0% and 1.5% of the risk exposure of the acceptance business in a lump sum. Such charges are exempted for small and micro enterprises. |
According to the stipulaitons of the agreement, this Bank, as the acceptor of the bank’s acceptance bill, provides clients with the service of risk exposure occupation and management. | Risk exposure=amount accepted－margins; risk exposure time is billing time. | ||
| 020706 | Loan commitment (intent) and Letter of Bank Credit | 0.1–0.5% of the amount of loan commitment (intent) and Letter of Bank Credit, not less than RMB 500, or collect as stipulated in the agreement. Such charges are exempted for small and micro enterprises. |
1. Loan commitment (intent): a document of commitment (intentionality) made to the applicant at the request of the applicant to provide the customer with a loan in a certain period of time when certain conditions are to be satisfied. 2. Letter of Bank Credit: the certification issued upon the request of the applicant (bidder) and in the form of a Letter of Bank Credit to promise to satisfy the applicant (bidder) within the commitment limit under the Letter of Bank Credit for normal and reasonable credit requirements of the project after the applicant (bidder) win the bid and during the process of bid project. |
Collected based on the collection time as stipulated in the agreement. | ||
| 020707 | Service fee for providing guarantee and other credit enhancement service | Handling charge for guarantee of bills: chaeged at the annual rate of between 0.05% to 4% of the guaranteed amount, not less than RMB 300 for each transaction; Handling charge for confirmation of bills: 0.15%–0.25% each quarter, not less than RMB 300 each quarter or RMB 500 each quarter; full margin/full certificate of deposit pledged bills may be charged up to 0.05% of the guaranteed amount/quarter. Service charge for other credit enhancement business: charged by agreements. |
Guarantee of bills: a bill act that IB accepts the application of an acceptor or a holder of Commercial Acceptance Bill, guarantees and records on the bill as the guarantor to ensure the performance of bill’s debt; Confirmation of bills: under the business of import bills guarantee, as the confirming bank, IB guarantees to honor full amount of bill when it matures for international trades settled by D/A or T/T for customers, and IB will pay the funds under this trade unconditionally when the bill is qualified for confirmation. Service charge for other credit enhancement business: IB provides institutional customers with other credit enhancement services including guarantee. |
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| 020805 | Syndicated loan/borrowing | Including charges for arrangement, agency, commitment, participation and integrated fee: it is charged according to agreements negotiated by and between the customers and the member bank of the bank consortium.. | 1. Charges for arrangement: fees charged by syndicated loan/borrowing leading bank for providing the borrower with such services as initiating and organizing the bank consortium, undertaking exclusive sales or partial exclusive sales responsibilities, distributing shares of the syndicated loan/borrowing, and providing organizational arrangements for the syndicated loan/borrowing. 2. Charges for commitment: fees charged by syndicated loan/borrowing member bank for providing the borrower with a certain amount of funds to be prepared for withdrawal for which the borrower has not withdrawn the loan amount within the effective withdrawal period. 3. Charges for agency: fees charged by syndicated loan/borrowing agency bank for providing syndicated loan/borrowing affairs management and coordination services to the Borrower. 4. Charges for participation: fees charged by syndicated loan/borrowing participation bank in response to the invitation of the leading bank for assuming the obligations of granting a loan to the borrower and provide corresponding loan services. 5. Integration fee: fees charged for providing other personalized services to borrowers other than the above services. |
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| 020806 | Institutional legal person account overflow business | Overflow charge for corporate accounts of corporate customers: overflow charge is collected from customers, for which the bank handles the corporate account overflow service, at a certain rate based on the overflow maximum limit and term offered to the customers. With 0.3% as the basic annual rate, the annual charging rate is not more than 0.5% in general. Such charges are exempted for small and micro enterprises. |
When a corporate customer has temporary funds demand during its operation, this Bank offers overflow service within the approved limit. | Overflow charge is collected from a customer to handle the business of corporate account overflow, and it is collected in a lump sum after the conclusion of a corporate account overflow agreement. | ||
| Overflow charge for corporate accounts of intra-industry customer: the charge is collected by agreements: or collected according to the specific services, on a daily basis based on the actual overflow business occurring; or collected from customers at a certain rate based on the overflow limit and term offered by this Bank. Commitment fee for inter-connected daylight overflow business for agreed deposit via passbook of intra-industry clients: collected by agreements; or charged according to the service, at an agreed rate according to the maximum daylight overflow limit and term given by the bank to intra-industry clients. |
Overflow business for corporate accounts of intra-industry clients: an intra-industry customer with temporary funds demand during the process of payment and settlement may receive a daily overdraft limit after the application is approved by this Bank; Inter-connected daylight overdraft business for agreed deposit via passbook of intra-industry clients: where an intra-industry client has provisional funds demand in the process of payment and settlement, such request has been approved by this Bank and the intra-industry client's main passbook account has activated the agreed deposit inter-connection business, the main account will be provided with the corresponding overflow payment service subject to the upper limit as much as the total balance of the agreed deposit allowed in the inter-connection business of the main account. |
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| Other services | 020701 | Credit Reference | Standard and non-standard credit reference: RMB 100/copy; such charge is exempted for small and microenterprises. | 1. Standard text credit reference: certification of standard texts such as account opening, deposit, inquiry of account status of the current day and the like. 2. Non-standard text credit reference: if it is necessary to change the standard text format or certify other certification matters beyond the standard text, it is non-standard text credit reference. |
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| 020702 | Bank confirmation letter | Bank confirmation letter: RMB 200 for each. Such charge is exempted for small and micro enterprises. |
A written certificate issued by IB for a certified public accountant certifying the bank deposits, notes payable, borrowings, guarantees, custodian securities and other situations of the auditee according to the Notice of the Ministry of Finance and the China Banking Regulatory Commission on Further Regulating the Bank Confirmations and Replies (Cai Kuai [2016] No. 13) | |||
| 020801 | Door-to-door collection and payment | charged based on the number of visits and locations, RMB180–1,000/time/location; or may be charged by agreements. | According to the agreements signed with the customers or their temporary requirements, providing the service of door-to-door collection and payment; | |||
| 020807 | Services for franchised merchants of credit card installment | Charged by agreements. | The service provided by this Bank for customers of the merchant to repay the money for commodities in certain number installments when they buy the commodities of the designated merchant. | It is charged from the cooperative institution or merchant rather than the cardholders. | ||
| 020808 | Pension insurance and management of accounts for salaries and benefits | Charged by agreements. | IB accepts to the entrustment of clients and provide account management service for various types of endowment insurance products and salaries and benefits programs including but not limited to employee stock ownership program, equity incentive program, employee benefits program, performance risk program, salary deferral program and other programs related to healthcare and housing. | Including account management fees for various types of pension insurance products and salaries and benefits programs. | ||
| 020809 | Service fee collected by the bank card issuing bank | The service fees of domestic and overseas card issuing bank should be enforced in accordance with the relevant standards of regulations and the card association. | Enforced pursuant to Fa Gai Jia Ge [2016] No. 557 and Yin Fa [2021] No. 169. | Providing services such as bank card account verification and management to the acquiring body. | ||
| 020810 | Treasury Management System Service | 1. Implementation fees for the treasury management system The system implementation fees should be charged depending on the functions opened in a lump sum: Basic functions (including inquiry and money transfer): RMB 100,000. Centralized fund management: RMB 50,000. Budget management: RMB 50,000. Investment and financing management: RMB 50,000. Bill management: RMB 50,000. Cross-border fund management: RMB 50,000. Internal bank: RMB 50,000. Mobile App: RMB 50,000. Customized connection service includes but is not limited to connection to the internal systems of an enterprise such as the ERP,OA and the financial system, for which RMB 100 thousand will be charged. If a group has from 10 and 50 (including 50) subsidiaries, an additional RMB 50,000 will be charged; If the number of the subsidiaries reaches 50–100 (including 100), an additional RMB 100,000 will be charged; If the number of the subsidiaries is more than 100, an additional RMB 200,000 will be charged. 2. Operation and maintenance fees for the treasury management system Annual fee for the basic functions opened (including inquiry and money transfer): RMB 1,000. For functions such as the centralized fund management, budget management, investment and financing management, bill management, cross-border fund management, internal bank and the mobile App, RMB 500 is charged for every function every year. The operation and maintenance fees are charged by every calendar year. If any function is available for less than 1 year, the fee will be charged at one twelfth of the number of months when such function is available. |
1. Implementation fees for the treasury management system: various system functions of the treasury management cloud platform are made available and implemented online. 2. Operation and maintenance fees for the treasury management system: various system functions of the treasury management cloud platform are operated and maintained. |
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| Custody Service | 020901 | Custody/safekeeping/supervision fee | Product Custody fee/custody fee/supervision fee: charged at an annual rate of 0–2% of the total value or net value of the asset under custody, safekeeping or supervision, or based on a fixed price agreed upon with the customer, or the specific charge may be collected by agreements. Custody service fee for financial assets: Implemented with reference to the fee standards of bond registration institutions such as China Central Depository & Clearing Co., Ltd. (CCDC) and Shanghai Clearing House (SHCH). |
Product custody fee/safekeeping fee: To provide clients who need custody and safekeeping service provided by IB with legal text review, account opening, asset custody, investment clearing, accounting, asset valuation, transaction supervision, collection payment, information disclosure, investment evaluation, performance evaluation, risk analysis, information consulting, and personalized statement customization and other asset custody or safekeeping service;The specific service content is subject to the agreement. Product supervision fee:To provide clients in need of supervision service provided by IB including legal text review, supervision of fund use, income distribution supervision, supervision of liquidation and distribution programs, asset distribution and liquidation supervision, and information disclosure. The specific service is subject to the agreement. Custody service fee for financial assets: Providing custody services for financial assets such as bonds to clients, with specific service details subject to the agreement. |
The financial asset custody service fee will be charged according to the service price standard starting from August 15, 2024. | |
| 020902 | Account regulation service fee | Account regulation/supervision service fee (account regulation/supervision fee, fund regulation/supervision fee, regulation/supervision fee, etc.): determined with clients based on the contents of the product and service. Generally it is charged at an annual rate of 0–2% of the total value or net value of the account and capital regulated, or based on a fixed price agreed upon with clients, or the specific payment may be collected by agreements. | To provide clients with regulatory services including legal text review, opening of supervision accounts, safekeeping of funds, fund concentration, raising and settlement, supervision of fund use, income distribution, supervision of liquidation and distribution programs, distribution and liquidation of assets, disclosure of regulatory funds or account information. The specific service is subject to the agreement. | |||
| 020903 | Asset management product administrative outsourcing service fee | Charged by agreements | To provide services for the administrator including legal text review, accounting, asset valuation, registration, reporting and information disclosure. The specific service is subject to the agreement. |