| Business category | No. | Service item | Charging rates | Incentives | Services | Remarks |
| Account Settlement Service | 020101 | Handling charges for transfer and remittance | Handling charges for intra-bank transfer and remittance to corporate account over counter/Handling charges for intra-bank transfer via corporate internet banking/Handling charges for inter-bank transfer via corporate internet banking/Handling charges for bank-enterprise direct linkage intra-bank transfer/Handling charges for bank-enterprise direct linkage inter-bank transfer/Handling charges for intra-bank transfer via interbank internet banking/Handling charges for inter-bank transfer via interbank internet banking/Handling charges for interbank direct linkage (including bank-finance company direct linkage) intra-bank transfer/Handling charges for interbank direct linkage (including bank-finance company direct linkage) inter-bank transfer/IB Steward App intra-bank transfer handling fee/IB Steward App inter-bank transfer handling fee/Handling charges for transfer at counters with corporate settlement card/Handling charges for transfer at ATM with corporate settlement card (inter-bank local transfer)/Bank-enterprise direct global fund management, domestic RMB intra-bank transfer and remittance handling fee/Bank-enterprise direct global fund management, domestic RMB inter-bank transfer and remittance handling fee: Transfer amount of less than RMB 10,000 (including RMB 10,000), RMB 5 per transaction; Transfer amount of RMB 10,000 to RMB 100,000 (including RMB 100,000), RMB 10 per transaction; Transfer amount of RMB 100,000 to 500,000 (including RMB 500,000), RMB 15 per transaction; Transfer amount of RMB 500,000 to RMB 1 million (including RMB 1 million), RMB 20 per transaction; 0.002% of the transferred amount for transfer amount more than RMB 1 million, maximum RMB 200 per transaction. Handling charges for transfer at ATM with corporate settlement card (inter-bank non-local transfer): It will be 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 counter: will be waived from October 25, 2013 to September 30, 2024; 2. Handling charges for intra-bank transfer via corporate internet banking/bank-enterprise direct linkage/interbank internet banking/interbank direct linkage (including bank-finance company direct linkage): will be waived from October 25, 2013 to September 30, 2024; 3. Handling charges for inter-bank transfer via corporate internet banking/bank-enterprise direct linkage/interbank internet banking/interbank direct linkage (including bank-finance company direct linkage): for a single transaction not more than RMB 100,000 (inclusive), the inter-bank transfer and remittance handling fee will be charged at 10% discount on the charging standard. The offer is valid from September 30, 2021 to September 30, 2024; 4. IB Steward App transfer handling fee: will be waived from January 1, 2016 to September 30, 2024; 5. For bank-enterprise direct global fund management, domestic RMB intra-bank transfer and remittance handling fee will be waived from September 15, 2021 to September 30, 2024; 6. For bank-enterprise direct global fund management, domestic RMB inter-bank transfer and remittance handling fee: for a single transaction not more than RMB 100,000 (inclusive), the inter-bank transfer and remittance handling fee will be charged at 10% discount on the charging standard. The offer is valid from September 30, 2021 to September 30, 2024; 7. Intra-bank transfer at ATM with corporate settlement card: the Bank has been free of charge since the opening of business on September 1, 2016; 8. Inter-bank transfer at ATM with corporate settlement card: no handling fee. The offer is valid from September 30, 2021 to September 30, 2024. 9. The handling charge of intra-bank transfer over the counter of corporate settlement card: has been exempted by the bank since the launch of the business on September 1, 2016; 10. The handling charge of inter-bank transfer over the counter of corporate settlement card: if the amount of a single transaction is no more than RMB 100,000, the inter-bank transfer and remittance handling charge will be collected at 10% discount on the charging standard, which will extend from September 30, 2021 to September 30, 2024. |
1. Handling charges for intra-bank transfer and remittance to corporate account over counter: Transferring the money of a customer from its IB account into another IB account (both local and non-local) over counter; 2. Corporate internet banking/bank-enterprise direct linkage/interbank internet banking/interbank direct linkage (including bank-finance company direct linkage) 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 corporate internet banking, bank-enterprise direct linkage and bank-finance company direct linkage (including external payment, batch payment, virtual sub-account payment, securities capital transfer, and group payment, etc.). 3. Corporate internet banking/bank-enterprise direct linkage/interbank internet banking/interbank direct linkage (including bank-finance company direct linkage) inter-bank transfer: 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 at counters with corporate settlement card: To provide customers with transfer service from IB account to (local and non-local) intra-bank or inter-bank accounts at counters. 5. Transfer at ATM with corporate settlement card (local and non-local inter-bank): To provide customers with transfer service from IB account to (local and non-local) inter-bank accounts at ATM. 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 (including intra-bank remittance, convenient transfer, external payment, batch payment, virtual sub-account payment). 7. IB Steward App inter-bank transfer: To provide customers with inter-bank transfer services (local and non-local) via IB Steward (including inter-bank remittance, convenient transfer, external payment, batch payment, virtual sub-account payment). 8.Bank-enterprise direct global fund management, domestic RMB intra-bank transfer and remittance: To provide customers with transfer service of RMB funds from domestic IB accounts to other domestic IB accounts via SWIFT bank-enterprise direct. 9. Bank-enterprise direct global fund management, domestic RMB inter-bank transfer and remittance: 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 SWIFT bank-enterprise direct. |
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| 020106 | Handling charge for acceptance of bank's acceptance bill | For bank acceptance bill（paper bill and electronic bill included), charged at the rate of 0.5‰ of the par value, and the minimum charge is RMB 200 per bill. | Our bank accepts the paper bank acceptance bill or electronic bank acceptance bill issued by customers, and provides daily management, bill verification, and pays money to the payee or bill holder upon receiving the reminder for payment. | The term of bill is no more than 6 months. | ||
| 020107 | Handling charge for collection | Authorized collection/collection with acceptance: RMB2 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 for customer authorized collection, postage will be charged from the customer at the charging rate of the post office; no postage will be charged from the customer for collection on bills for which discounts are given to IB.” | ||
| 020108 | Account information change | Account information change: RMB 10/time/customer | Account information change: change of registered address and business scope. | |||
| 020109 | Domestic L/C | 1. Issuing L/C fee: It will be 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 maximum amount after the increase will be charged; 2. L/C modification / cancellation handling fee: RMB 100 per transaction; for the modification involving the increase in the amount, the issuing L/C handling fee for the increased amount will be charged according to the standard for issuing L/C handling fee, and the L/C modification handling fee will not be charged; for the modification involving the decrease in the amount, the L/C modification handling fee will be charged, and the issuing L/C handling fee already charged during the remaining validity period of the reduced amount will be refunded; for domestic L/C cancellation, the L/C cancellation handling fee will be charged, and the issuing L/C handling fee already charged during the remaining validity period of the canceled L/C amount will be refunded; 3. Notification (notice of modification): RMB 50 - 200 each transaction; 4. Acceptance / commitment: 0.05% of the acceptance amount will be 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 examination fee: It will be charged at the rate of 0.1% of the L/C amount, not less than RMB 300 and not more than RMB 2,000 per transaction; 6. Negotiation: It will be charged at the rate of 0.1% of the amount of document for negotiation; 7. Handling charge for discrepancy: RMB 300 - 500 each transaction; 8. Confirm L/C (including advice charge): 0.1% - 0.5% / of the confirmed amount will be 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. Confirmation modification / cancellation handling fee: RMB 100 per transaction; for the modification involving the increase in the confirmation amount, the confirmation fee for the increased amount will be charged according to the original confirmation fee standard, and the confirmation modification handling fee will not be charged; for the modification involving the decrease in the confirmation amount, the confirmation modification handling fee will be charged, and the confirmation fee already charged during the remaining confirmation period of the confirmation reduced amount will be refunded; for confirmation cancellation, the confirmation cancellation handling fee will be charged, and the confirmation fee already charged during the remaining confirmation period of the cancellation confirmation amount will be refunded; 10. Transfer L/C: It will be 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; 11. Transfer modification / cancellation handling fee: RMB 100 per transaction; for the modification involving the increase in the amount, the transfer handling fee for the increased amount will be 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 transfer amount, the transfer modification handling fee will be charged; 12. Replacement (including replacement of transferable L/C): RMB 100 each transaction. |
May be free of charge as appropriate if present documents at our bank | 1. Issuing L/C: To provide customers with the service of opening domestic L/C; 2. L/C Modification / cancellation: To provide customers with L/C modification (including increase and decrease) / cancellation services; Wherein: increase amount modification refers to providing customers with modification service involving the increase of L/C amount; decrease amount 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. Acceptance / commitment: Performing the responsibility of payment upon the maturity for the acceptance of a usance letter of credit; 5. Document examination: Providing the service of document examination for documents mailing and claiming based on letter of credit; 6. Negotiation: The behavior that the negotiating bank pays the consideration to the beneficiary; 7. Handling charge for discrepancy: Handling documents with discrepancy; 8. Confirm L/C (including advice charge): To confirm the domestic L/C issued by other banks and then notify the beneficiary; 9. Confirmation modification / cancellation: To provide customers with confirmation modification (including increase and decrease) / cancellation services; Wherein: increase amount confirmation modification refers to providing customers with modification service involving the increase of confirmed amount; decrease amount confirmation modification refers to providing customers with modification service involving the decrease of confirmed amount; 10. Transfer: To provide the customer (the first beneficiary) with the L/C settlement service of transferring the received domestic L/C to the second beneficiary for redemption; 11. Transfer modification / cancellation: To provide customers with transfer modification (including increase and decrease) / cancellation services; Wherein: increase amount transfer modification 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. Replacement: The beneficiary demands our bank to modify or substitute documents which had been submitted to our bank for documents mailing and claiming; after the secondary beneficiary under transferable L/C delivered documents, the first beneficiary conducts replacement. |
Issuing L/C, common modification/cancellation, acceptance/commitment: charged to the applicant. Other charges related to domestic L/C shall be charged to the applicant or beneficiary according to L/C terms. |
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| 020110 | Management of preset seal | Seal alteration: RMB 20 each account per time; | To provide the service of alter the preset seal. | Management of combined 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; Change of payment cipher generator business (change of account key, unlocking, etc.): RMB 20 / each; Commission fee for loss report of payment cipher generator: RMB 20 / report / account |
The payment cipher generators are sold by IB who also provides services such as account binding, change and loss report. | |||
| 020112 | Reproduction of paper account statement | Reproduction of receipt (excluding detailed statement and balance statement): Free of charge within three months (inclusive), RMB 10 for each more than three months but not more than two years (inclusive), RMB 20 for each more than two year but not more than three years (inclusive), and RMB 100 for each more than three years. The reproduction of detailed statement, balance statement and enterprise online banking channel receipt for customers is free of charge. | To provide reproduction of receipt again as applied by a customer, which refers to the receipt provided by the bank to the customer for business. | |||
| 020114 | Large-sum withdrawal of organizations | Large-sum withdrawal of organizations: a fee is charged for each account from which RMB 50,000 has been withdrawn accumulatively that day; the exceeding part is subject to the commission fee at the rate of 1‰ down to RMB 5 / transaction and capped at RMB 500 / transaction. | We 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 500 pieces accumulatively in a day, additional RMB 1 for each 100 pieces increased,not more than RMB 500. | To provide the service of counting bank notes and coins denominating RMB 1 or less for depositing, withdrawing and converting. | |||
| 020202 | Handling Charge for Internet Transaction (Service) | Payment institutions/online interbank payment merchants / online special merchants / online Fast Track of Payment merchants / online directly linked merchants: including B2C online payment, B2B online payment, B2C fast payment, personal entrusted collection, corporate entrusted collection, entrusted payment, license authentication. The final price may be determined by agreements based on cost of channels and local market and client conditions. | IB provides account verification and payment services for payment institutions, and provides merchants with the services of intra-bank and inter-bank online payment for funds settlement and funds collection and payment. Meanwhile, provides the system platform for the signed merchants to use. Merchants can conduct fund payment, transaction inquiry, settlement inquiry and refund on this platform according to the actual application function. The collection and payment business supports corporate and personal collection and payment, online settlement business supports payment with RMB debit card and credit card, and online payment with international credit card such as VISA and MASTER CARD. | Online special merchants: include B2C/B2B/mobile phone users; | ||
| 020203 | Other bill service charge | Handling charge for bill custody/bill pledge: Not more than RMB100 per commercial bill/L/C for custody and not more than RMB50 for bill pledge; or paid in a lump-sum basis according to relevant agreements; Management charge for electronic business draft service:Charged by agreements Other bills & vouchers business: Charged by agreements |
Bill custody: IB provides customers, according to their entrustment, with integrated services including commercial draft safekeeping, inquiry of notes, identification of notes, and reminder of maturity; 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. Other bills & vouchers business: provide custody, management, collection on due date and other services for bills, letters of credit, factoring and other assets; |
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| Foreign Exchange Service | 020301 | Export collection | Clean bill for collection: 0.1%, down to RMB50 and up to RMB1,000 for each transaction; Documentary collection: 0.1%, down to RMB100 and up to RMB1,500 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 import agency collection: The handling charge of agency collection for clean bill: 0.1% of the agency 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 agency collection, down to RMB 100 and up to RMB 1,500 for each transaction. 2.The reimbursing commission of import agency collection: The reimbursing commission 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 | Domestic customers modify the entrusted matters of the above export collection like amount, term, documenting method, and payer, and request our bank to send messages abroad. | |||
| 020304 | Payment-free documents | Payment-free documents (export collection/import agency collection): RMB100 per transaction, without the handling charges for “Export collection/Import agency collection”. | "Payment-free documents (export collection): Domestic customers give the financial papers together with commercial papers or commercial papers without financial papers to our bank and we, on behalf of the customers, forward them to oversea payers or importers free of charge; Payment-free documents (import agency collection): Under the consignment of an overseas bank, our bank transfers the delivered documents to the domestic customer as required in the letter of instruction for free.” |
Payment-free means that the customer does not have to make payment for goods or related payments. | ||
| 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: our 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 consignment of an overseas bank, our bank replaces and modifies the documents sent by the overseas bank before and reminds the customer of making payment or acceptance once more; Reminder of acceptance: Under the consignment of an overseas bank, our bank reminds the customer of making acceptance for the usance documents sent by the overseas bank as required in the letter of instruction. |
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| 020306 | Export L/C | 1. Pre-advice: RMB 100 each transaction; Advice or transmitting: RMB 200 each transaction; Advice or Modification of L/C transmitted: RMB 100 each transaction; Revocation of L/C within the valid term: RMB 100 each transaction; The documents presented and negotiated in IB are free of charge; 2. Confirm L/C (including the advice charge): 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. Modification confirmation handling fee: RMB 200 each transaction; for the modification involving the increase in the confirmation amount, the confirmation fee for the increased amount will be charged according to the original confirmation handling fee standard, and the modification confirmation handling fee will not be charged; for the modification involving the decrease in the confirmation amount, the confirmation modification handling fee will be charged, and the confirmation fee already charged during the remaining confirmation period of the confirmation reduced amount will be refunded; 4. Transfer L/C: It will be 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 will be 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 will be charged; 6. Modification and replacement of document: RMB 100 each transaction; 7. Export document examination fee: 0.125% of document amount will be charged, not less than RMB 200 each transaction. Pre-examination document fee: RMB 200 each transaction (exempted for documents surrendered and negotiated in our bank). |
1. Pre-advice: Under the circumstance that the detailed provisions for the letter of credit are not finalized, in order to meet the stock-up need of a domestic customer, an overseas bank will send a letter of credit with simple provisions and require our bank to notify the domestic customer ahead. Advice or transmittal / advice or transmittal of modification of L/C: To advise the domestic customer of the L/C sent by an overseas bank or notify the modification to the L/C; Revocation of L/C within the valid term: A domestic customer, within the valid term of the L/C, requires our bank to notify the overseas bank that the L/C issued will not be executed any more; 2. Confirmation: Authorized by the issuing bank, to provide customers with confirmation services for L/C advised by the bank; 3. Modification confirmation: Authorized by the issuing bank, to provide customers with confirmation services for L/C modification advised by the bank. Increase amount modification confirmation: to provide customers with modification service involving the increase of confirmed amount; non-increase amount modification confirmation: to provide customers with other confirmation modifications (including decrease) other than the increase amount. 4. Transfer: to provide customers with the service of transferring L/C issued by overseas banks to a third party for redemption according to the customers' request; 5. Transfer modification: to provide customers with transfer modification service (including increase and decrease); Wherein: increase amount transfer modification 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; 6. Modification and replacement of document: to assist customers to modify or replace the documents submitted by customers (beneficiaries) to our bank for sending the bill for payment; 7. Export document examination: our bank provides assistance in examining and sending the demand for payment to overseas countries for documents prepared and delivered by beneficiary to our bank according to the requirements of the overseas bank’s letter of credit. Pre-examination document: our bank provides pre-examination service on draft documents submitted by beneficiary before they are officially issued. |
Charges relating to an export L/C are generally charged to the beneficiary unless the terms of the L/C are otherwise agreed. | ||
| 020307 | Import L/C | 1. Commission fee for issuance of LC: collected at 0.1% - 0.15% of LC amount down to RMB 300 / transaction. In case of increment in LC amount, the maximum amount after increase shall prevail; the commission 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 the increase in the amount and the extension of validity period, the L/C issuing handling fee for the increased amount / extended period will be charged according to the standard for L/C issuing handling fee, and the L/C modification handling fee will not be charged; for the modification involving the 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 will be counted as a month; 4. Import document examination fee: USD 40 each transaction; 5. Reimbursing commission: USD 50 each transaction; 6. Handling charge for discrepancy: USD 50-80 each transaction; 7. Handling charge for guarantee for delivery: 0.05%, minimum RMB 300 per transaction; 8. Handling charge for bill of lading endorsement: RMB 300 each transaction, or free of charge for a bill of lading with the consignee made to order by our bank. 9. 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 commission will be charged, and the opening commission already charged during the remaining validity period of the revoked L/C amount will be refunded. |
1. Issuing L/C: to provide customers with the service of opening import L/C; 2. L/C Modification: to provide customers with L/C modification services (including increase, extension of validity period and decrease); Wherein: increase amount modification refers to providing customers with modification service involving the increase of L/C amount; decrease amount modification refers to providing customers with modification service involving the decrease of L/C amount; Modification for received document: Our bank, as required by an overseas bank, replace or change the documents and receipts delivered by the overseas bank and notify domestic customers. 3. Acceptance: As required by a domestic customer, our bank, in our own name, sends a message to overseas bank to make payment commitment for the usance note for the consideration the customer should pay. 4. Import document examination: Our bank examines the documents under the letter of credit that are delivered by an overseas bank to ask the domestic customer to make payment, and charges the corresponding fees. 5. Reimbursing commission: To provide customers or serve as an agency for another bank to provide customers with payment of money under the import L/C. 6. Handling charge for discrepancy: If there are some non-negotiable points in the documents delivered by an overseas bank, our bank will handle the documents specially, and we will charge corresponding fees. 7. Guarantee for delivery: Under the foreign exchange import documentary letter of credit, if the goods arrive at the place of destination before the original bill of lading, the domestic customer may request our bank as the joint warrantor to issue a “Guarantee for Delivery” for it and take delivery from the shipping company with the guarantee, and our bank charges for such service. 8. Bill of lading endorsement: Under the authorization of an overseas bank, our bank makes endorsement at the back of the bill of lading on its behalf so as to facilitate the domestic customer to take delivery. 9. Return of document and revocation: As required by a domestic customer, our bank notifies the overseas exporter that the letter of credit issued by our bank will be revoked though it does not become mature. |
Expenses related to L / C opening, amendment, acceptance, delivery guarantee, bill of lading endorsement, refund and L / C cancellation are generally charged to the applicant; the issuing bank is generally charged to the beneficiary for document review, reimbursement and discrepancy handling fees, unless otherwise agreed in the terms of L / C. | ||
| Electronic Banking | 020201 | Annual service charge of corporate internet banking/interbank internet banking | Annual service charge of corporate internet banking / interbank internet banking: RMB 100 per year for opening corporate internet banking service, charged by electronic channel code. As of the end of the year, customers who have opened corporate internet banking for more than one year (inclusive) will be charged the annual standard of RMB 100 per year, and customers who have opened for more than half a year (inclusive) will be charged RMB 50 per year. | Annual service charge of corporate internet banking: it will be charged at 50% discount according to the current standard. The offer is valid from September 30, 2021 to September 30, 2024. Annual service charge of interbank internet banking: temporarily waived from April 1, 2022 to June 30, 2024. |
Annual service charge of corporate internet banking/interbank internet banking: to provide customers with corporate internet banking/interbank internet banking services according to the agreement. | |
| 020204 | Annual service charge of bank-enterprise direct linkage/interbank direct linkage | Annual service charge of bank-enterprise direct linkage / interbank direct linkage: RMB 2,000 per year, charged by electronic channel code. 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, the annual service charge of corporate internet banking will no longer be charged. | Annual service charge of bank-enterprise direct linkage: it will be charged at 50% discount according to the current standard. The offer is valid from September 30, 2021 to September 30, 2024. Annual service charge of interbank direct linkage: temporarily waived from April 1, 2022 to June 30, 2024. |
Annual service charge of bank-enterprise direct linkage/interbank direct linkage: to provide customers with bank-enterprise direct linkage/interbank direct linkage services according to the agreement. Bank-enterprise direct linkage/interbank direct linkage refers to the channel that customers connect with the standard data service interface of bank-enterprise direct linkage/interbank 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: Factoring with recourse/factoring without recourse/non-financing factoring/factoring for financing lease/joint factoring: The rate of charge will be determined in accordance withe the agreement based on service contents, transaction nature, risk level, overall returns, market competition and other situations. Factoring charge: Domestic factoring pool/reverse factoring: The rate of charge will be determined in accordance withe the agreement based on service contents, transaction nature, risk level, overall returns, market competition and other situations. |
1. Factoring with recourse/factoring without recourse/non-financing factoring/factoring for financing lease/joint factoring: A domestic seller (creditor) will transfer to IB (or IB and IB's factoring agent) the accounts receivable from the commodities sold or serviced provided by it 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, and then IB (or IB and IB's factoring agent) provides customers with integrated financial services such as financing of accounts receivable, investigation of commercial credit standing, management of accounts receivables, and guarantee for bad debts. A handling charge will be charged to 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. A handling charge will be charged to the seller; 3. Reverse factoring: in transactions paid on credit, and under the premise of no arguments about basic transaction or accounts receivable, IB will use the direct credit line in IB to provide the seller with account receivable financing without recourse. A handling charge will be charged to the seller/buyer; |
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| 020308 | Export factoring business | 1. Handling charge for factoring: Single export factoring with recourse/single factoring without recourse/double factoring with recourse/double factoring without recourse: The rate of charge will be determined in accordance with the agreement based on service contents, transaction nature, risk level, overall returns, market competition and other situations. It will be charged at a certain proportion of the transfer amount in the account receivable, not less than 0.1%; 2. Charge for the investigation over credit standing of export factoring: RMB 300 each transaction; Remittance charges, telecommunications charges and related fees collected by import agents of a collecting nature shall be charged to 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 its payment method, as the export factoring agent, IB 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 over credit standing of export factoring: To provide the service of investigation over the buyer’s credit for customers to export goods. Fees are charged to the exporter. |
Investigation over credit standing of export factoring: If an exporter handles the factoring business with our 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 the 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”). Our 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 our bank, the charge 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 transfer amount in the account receivable, not less than 0.1%. | As an import factoring agent, IB provides credit guarantee for customers' imported goods, thus providing services such as account receivable management and collection for exporters. Import factoring charges may be deducted on a case-by-case basis upon payment of foreign exchange, or together with the commission of the same exporter on a monthly basis. A handling fee will be charged to the importer or exporter according to the agreement. | |||
| 020310 | Forfeiting service | 1. Reselling charge for forfeiting (export forfeiting): based on the market quotation, combined with the transaction amount, risk level, comprehensive income and market competition, the fee shall be charged according to the agreement. 2. Export forfeiting - Handling charge for forfeiting: based on the market quotation, combined with the transaction amount, risk level, comprehensive income and market competition, the fee shall be charged according to the agreement; |
1. Reselling charge for forfeiting (export forfeiting): To provide customers with services related to reselling export notes. 2. Export forfeiting -- Handling charge for forfeiting: To provide customers with comprehensive service under note reselling. |
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| 020311 | Export buyer credit business | Export buyer credit business management fee: charging one time at 0.5%-1.5% of total loan. Export buyer credit business commitment fee: charging at 0.5%-1% (annual) of amount not drawn during the withdrawal period. Small- and mini-sized enterprises are free of charge. |
Export buyer credit business management fee: To design financing schemes for customers and provide services such as financing transaction management during the business process. Export buyer credit business commitment fee: To provide financing arrangements for committed but unwithdrawn export buyer's credit. |
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| Agency Service | 020402 | Fees withholding and paying | Fees withholding and paying (debit card/credit card): It may be charged at the agreed price, but not higher than the charging rate announced by the government at the corresponding level. | IB deducts money from payer account according to the collection amount and details of consignor or notifies payer to transfer and remit money to charging units; According to the payment authorization certificate of the consignor, IB transfers and remits provision money to designated account; IB establishes and preserve the account details of collection and payment for the consignor; IB provides the payment management system for the consignor; the consignor can manage payment customer details and collection receipt details. Fees withholding and paying cover public utilities fees such as water, electricity, and gas charges, telephone and mobile charges, internet charge, CATV charge, and housing fund, and commercial fees including insurance premium, property management fees, traffic fine, expressway toll, and rent. | To be collected from the consigner | |
| 020403 | Agency money box safekeeping and transporting | It will be charged according to the number of money boxes, minimum RMB 5,000 each piece a month; or it may be charged at the agreed price. | To accept the entrustment of the inter-bank 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 transporting cash to be deposited in or withdrawn from the People’s Bank | It will be charged at the rate of 0.8‰-1‰ of the transferred amount; or it may be charged at the agreed price. | To accept the entrustment of inter-bank bank to provide it with cash allocation and services of receiving and depositing cash from the issuing bank of the People's Bank of China in accordance with the terms of the signed agreements. | |||
| 020405 | Agency issuance of bank’s acceptance bill | The charge will be collected from the financial institution of the consigner at the charging rate for customers of our bank to handle bank’s acceptance bills. | Agency issuance of bank’s acceptance bills for financial institutions. | |||
| 020406 | Inter-bank platform agent payment and settlement business | Access to the China National Advanced Payment System on behalf of the clients: It will be charged at the agreed price and it is usually RMB 50,000 a year for 5,000 transactions or fewer. An additional RMB 1 will be charged for each transaction of the excess of 5000 transactions in addition to the standard rate of payment system of the People’s Bank of China. Commission for receiving and making payment (receiving and making payment in a foreign currency )on behalf of the clients: It shall be 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 financial institutions. Receiving and making payment (receiving and making payment in a foreign currency )on behalf of the clients: Access to various payment channels on behalf of the institutional clients. The Bank also provides unified fund receiving and payment services on behalf of the clients including but not limited to ID authentication and receiving and making of payment. |
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| 020407 | Charges for agency service for treasury | Collection charge for agency centralized payment of treasury / collection charge for agency collection of non-tax revenue: Signing an entrusting agency agreement with the acting financial department and charging fees according to the service fee settlement standard formulated by the financial department. | Provide financial units at all levels with financial business agency services, including agency of treasury centralized payment, agency of withholding non-taxable income and other financial services. | The charging frequency is not fixed, and it is subject to the specific agreements reached by and between IB and finance authorities. | ||
| 020408 | Fund agency | The charge may be collected through consultation with an institutional customer based on the situation of a specific product. A proportion will be taken from the subscription and application fees, redeeming fees and management fees charged by the product manager. | Upon the consignment of fund companies, IB provides agency services including subscription, application, and redeeming of fund products. | |||
| 020409 | Bond settlement agency business | 1. Handling charge for spot trading: minimum RMB 500, not higher than 0.01% of the face value of bonds. 2. Pledge / buyout buy-back handling charge: minimum RMB 300, not higher than 0.01% of the face value of bonds. 3. Handling charge for distribution: minimum RMB 500, not higher than 0.01% of the face value of bonds. |
1. Handling charge for spot trading: According to the transaction entrustment instruction of a customer, our bank accomplishes spot trading in the inter-bank equity market for the customer as an agency, settles its bonds trusted at a treasury bond company, and settles funds for its transfer transactions; 2.ledge / buyout buy-back handling charge: According to the transaction entrustment instruction of a customer, our bank accomplishes pledge / buyout trading in the inter-bank equity market for the customer as an agency, settles, pledge and deblock its bonds trusted at a treasury bond company, and settles funds for its transfer transactions; 3.Handling charge for distribution: According to the transaction entrustment instruction of a customer, our bank accomplishes distribution trading in the inter-bank equity market for the customer as an agency, settles its bonds trusted at a treasury bond company and Shanghai Clearing House, and settles funds for its transfer transactions; provides market information consulting; and provides regular statement service. |
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| 020410 | Service fees for agency capital settlement for institutional customer | 1. General capital clearing business: The charging rate may be decided by agreements. 2. Expenses for clearing, writing-off early termination and contract compression performed by Shanghai Clearing House: determined by agreements. 3. Agency clearing fee for commodity spot clearing business of Shanghai Clearing House: The standard is based on the relevant charging standard of commodity spot clearing business for the buyer's spot clearing members published on the official website of Shanghai Clearing House. For details, see: (https://www.shclearing.com.cn). |
General capital clearing business: 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. Clearing business agented by Shanghai Clearing House: provide clients with clearing, settlement, inquiry, guaranteed settlement and contract compression required to enter into Central Counterparties (CCPs); apply for exit from CCPs for transactions that have been involved in CCPs; apply for early termination for transactions that have been involved in CCPs. Commodity spot clearing business of Shanghai Clearing House: As a member of commodity spot clearing business of Shanghai Clearing House, our bank has signed contracts with corporate customers who intend to participate in the commodity spot clearing business of Shanghai Clearing House and provides customers with agency fund 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 consignment 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 projects supported by the loan, collect the loan interests and principals repaid upon maturity, and supervise the management and operation of the borrower and guarantor. | |||
| 020412 | Service fees for agency domestic and foreign settlement business of another financial institution | The fee standard shall not exceed the corresponding international/domestic settlement service fee standard in the IB's price list of public service | Service fees for agency international settlement business of another financial institution; IB accepts the commission of financial institution to provide settlement services such as international L/C and guarantee for its customers. Service fees for agency domestic settlement business of another financial institution; IB accepts the commission of financial institution to provide settlement services such as 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 secutiry companies. | |||
| 020414 | Agency collection and payment for institutional customers | The charging rate may be decided by agreements. | Accept the consignment from institutional customers, provide agency services including funds 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 consignment of trust companies, IB, serving as an agency, introduces trust products to customers. | |||
| 020416 | Agency business for brokerage assets management plan, etc. | The charging rate may be decided by agreements. | Accept the entrustment of securities, futures and other companies and third parties such as the government to provide agency services such as sales, subscription, purchase and redemption of asset management plan and other products. | |||
| 020417 | Agency insurance business | Agency fees, agency sale system usage fees, Internet technical service fees, etc.: it is 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 agreement. | Accept the entrustment of wealth management companies to provide agency services such as subscription, purchase and redemption of asset management plan products | |||
| Management and consulting | 020502 | Financial consultant charges | Financial consultant charge for merger and acquisition, and other financial consultant charges: to be decided through consultation with relevant customers according to the extension and depth of service that our bank offers to them. Other financial consultant charges: Such charges are exempted for small- and mini-sized 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 fee for underwriting, overseas bond issuance fee for underwriting, financial bond issuance fee for underwriting, corporate bond issuance fee for underwriting, local government bond issuance fee for underwriting, etc.: it is charged according to the agreements. Underwriting fee for credit financing programs: up to 2% / year in principle or based on the contract price. Tool management fee: it is charged according to agreements. |
Underwritting 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: 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: charge as agreed； Entrusted recovery service fee: charge as agreed. |
Asset management service fee: Our bank accepts consignment 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); Entrusted recovery service fee: Our bank accepts consignment of customers to collect the principal, interest, interest penalty, default fine from debtor for our customers; our bank accepts consignment of customers to recover and handle the asset objects for our customers. |
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| Guarantee and commitment | 020703 | Cross-border L/G (contains standby letter of credit (SLC)) | 1. Bond fee: Bond for cross-border financing purpose: 0.25% / quarter - 0.5% / quarter of the bond amount, with a minimum of RMB 1,000 / quarter; Bond for cross-border non-financing purpose: (1) performance bond, advance payment bond: 0.125% / quarter - 0.25% / quarter of the bond amount, with a minimum of RMB 300 / quarter; (2) bid bond: 0.1% / quarter - 0.25% / quarter of the bond amount, with a minimum of RMB 300 / quarter; (3) bond for payment, quality or other bonds: 0.15% / quarter - 0.25% / quarter of the bond amount, with 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 the actual bond balance is charged in stages. 2. Cross-border letter of guarantee amendment fee: for amendment involving amount increase / period extension, the additional amount / extension part shall be charged according to the guarantee handling fee standard; Non-additional amount / non-extension amendment is RMB 200 / time; in case of both incremental / deferred modification and non-incremental / non-deferred modification, the fee shall be charged according to the incremental / deferred modification standard, and no additional fee shall be charged for non-incremental / non-deferred modification; 3. Revocation 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. Claim for compensation 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 letter of guarantee contract and may generate 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 changing the content of letter of guarantee (like amount or period) issued by IB. 3. Cross-border letter of guarantee revocation: To provide customers with letter of guarantee revocation service. 4. Cross-border letter of guarantee notice:To inform customers of letter of guarantee guarantee issued by other banks. 5. Cross-border letter of guaranteemodification notice: To inform customers of letter of guarantee guarantee modification 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 guarantee and costs of re-issuing overseas letter of guarantee are generally charged to the applicant of the letter of guarantee; expenses of notice, modification notice, claim of cross-border letter of guarantee are generally collected from beneficiary of letter of guarantee, unless the terms of the letter of guarantee are otherwise agreed. The cross-border letter of guarantee referred to in this service item contains 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, with 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, with 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 shall 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 of 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 the 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, as the guarantor, will charge the applicant for the legally binding guarantee issued by us to the domestic beneficiary for the domestic customer or a third-party institution, and that IB will bear the relevant responsibilities when the guaranteed fails to perform the relevant responsibilities or obligations in accordance with the contract. 2.Domestic letter of guarantee modification: To provide customers with letter of guarantee modification service. |
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| 020705 | Acceptance/commitment charge for bank's acceptance bill | The charging rate is between 0% and 1.5% of the risk exposure of the acceptance business. Such charges are exempted for small- and mini-sized enterprises. |
According to the agreement, our bank, as the acceptor of bank acceptance bill, provides clients with the services of exposure occupation and management. | Risk exposure=amount accepted-margins; Risk exposure time is billing time. |
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| 020706 | Loan commitment (intent) and credit certification | 0.1-0.5% of the amount of loan commitment (intent) and credit certification, not less than RMB500, or collect as agreed in the agreement. Such charges are exempted for small- and mini-sized enterprises. |
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 to be satisfied. Credit certification: certification issued upon the request of the applicant (bidder) and in the form of a Bank Credit Certificate to promise to satisfy the applicant (bidder) within the commitment limit under the Bank Credit Certificate for normal and reasonable credit requirements of the project after the applicant (bidder) win the bid and during the process of bid project. |
Collect based on the collection time as agreed in the agreement. Charge based on the price standards for this service from October 1, 2023. |
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| 020707 | Services fee for provide guarantee and other credit enhancement services | Handling charge for guarantee of notes: annual rate is between 0.05% to 4% of the guaranteed amount, not less than RMB 300 for each transaction; Handling charge for confirmation of notes: 0.15% to 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% / quarterly at the guaranteed amount. Service charge for other credit enhancement businesses: It will be charged according to agreements. |
Handling charge for guarantee of bills: a bill act that IB accepts the application of acceptor or holder of Commercial Acceptance Bill, guarantees and records on the bill as the guarantor to ensure the performance of bill’s debt; Handling charge for confirmation of bills: under the business of import bills confirmation, 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, IB will pay the funds under this trade unconditionally. Service charge for other credit enhancement businesses: 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 integration: it will be charged according to agreements on the basis of the quote provided by the paying bank in line with the market practice. | Charges for arrangement: Fees charged by syndicated loan/borrowing leading bank for providing the Borrower with such services as initiating and organizing the syndicate, undertaking underwriting or partial underwriting responsibilities, distributing shares of the syndicated loan/borrowing, and providing organizational arrangements for the syndicated loan/borrowing. 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. Charges for agency: Fees charged by syndicated loan/borrowing agency bank for providing syndicated loan/borrowing affairs management and coordination services to the Borrower. Charges for participation: Fees charged by syndicated loan/borrowing participation bank in response to the invitation of the leading bank to assume loan obligations to the Borrower and provide corresponding loan services. Charges for integration: Fees charged for providing other personalized services to borrowers other than the above services. |
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| 020806 | Institutional legal person account overdraft business | Overdraft charge for corporate account of corporate customer: Overdraft charge will be collected from customers, for which the bank handles the corporate account overdraft service, at certain rate based on the overdraft maximum limit and term offered to them. With 0.3% as the basic annual rate, the annual charging rate will not be more than 0.5% in general. Such charges are exempted for small- and mini-sized enterprises. |
When a corporate customer has temporary funds demand during its operation, our bank offers overdraft service within the approved limit. | Overdraft charge will be collected from a customer to handle the business of corporate account overdraft for it, and it will be collected in a lump sum after the execution of a corporate account overdraft agreement. | ||
| Overdraft charge for corporate account of financial institutional customer: The charge will, according to the specific services, be calculated on a daily basis based on the actual overdraft business occurring; or collected from customers at certain rate based on the overdraft limit and term offered by our bank to them. Commitment fee for inter-connected daylight overdraft business for agreed deposit via passbook of interbank clients: according to the service, the commitment fee is charged at an agreed rate according to the maximum daylight overdraft limit and term given by the bank to interbank clients.。 |
A financial institutional customer with temporary funds demand during the process of payment and settlement may receive a daily overdraft limit after the application is approved by our bank; Inter-connected daylight overdraft business for agreed deposit via passbook of interbank clients: where an interbank client has provisional demand for fund in the process of payment and settlement, such request has been approved by our bank and the interbank client's main passbook account has activated the agreed deposit inter connection business, the main account will be provided with the corresponding overdraft payment service subject to the upper limit as much as the total balance of agreed deposit allowed in the inter connection business of the main account. |
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| Other services | 020701 | Credit standing certification | Standard and non-standard credit standing certification: RMB 100/copy; such charge is exempted for small- and mini-sized enterprises. | 1. Standard text credit standing certification: certification of standard texts such as account opening, deposit, inquiry of account status of current day and the like. 2. Non-standard text credit standing certification: 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 standing certification. |
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| 020702 | Bank confirmation letter | RMB 200 each. Such charges are exempted for small- and mini-sized 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 (Finance & Accounting [2016] No. 13) | |||
| 020801 | Handling charge for door-to-door service | Door-to-door collection and payment: charge by number of visits and locations, RMB180-1,000/time/location; Or the door-to-door service may be charged at the agreed rate. |
Door-to-door collection and payment/door-to-door document collection and delivery: according to the agreements signed with them or their temporary requirements; | |||
| 020807 | Services for special merchants of credit card installment | Charged according to agreements. | The service provided by our 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 cooperation institution or merchant rather than the cardholders. | ||
| 020808 | Pension insurance and salary benefits account management | It includes account management fees for various pension insurance products and salary benefits programs, which will be charged according to the service content and the agreement signed with clients. | We respond to the requests of clients and provide account management service for various types of endowment insurance products and salary benefits programs including but not limited to employee stock ownership program, equity incentive program, employee benefit program, performance risk program, salary deferral program, as well as medical and housing. | Includes account management fees for various types of pension insurance products and salary and welfare programs. | ||
| 020809 | Service fee for bank card issuance bank | The service fees of domestic and overseas card issuing bank shall be implemented in accordance with the relevant standards of supervision and the card association. | Implemented pursuant to Fa Gai Pricing No. [2016] 557 and Yin Fa No. [2021] 169. | Providing services such as bank card account verification and management to the acquiring body. | ||
| 020810 | Treasury Management Cloud Platform Services | 1. Implementation fees for the treasury management cloud platform: The non-recurring system implementation fees shall be charged depending on the functions made available: Basic functions (including inquiries and money transfers): RMB 100,000. Centralized fund management: RMB 50000. Budget management: RMB 50000. Investment and financing management: RMB 50000. Bill management: RMB 50000. Cross-border fund management: RMB 50000. Internal bank: RMB 50000. Mobile App: RMB 50000. Costumed connection service. It 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 100,000 will be charged. If the number of the subsidiaries of a group is between 10 and 50 (including 50), an additional RMB 50000 will be charged. If the number of those is 50-100 (including 100), an additional RMB 100,000 will be charged. If the number of those is more than 100, an additional RMB 200,000 will be charged. 2. Operation and maintenance fees for the treasury management cloud platform: Annual fee for the basic functions made available (including inquiries and money transfers): RMB 1000. 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 will be charged for every function every year. The operation and maintenance fees will be charged by every calendar year. If any function is available for less than 1 year, the fee will be charged at the number of months when such function is available/12. |
1. Implementation fees for the treasury management cloud platform: Various system functions of the treasury management cloud platform will be made available and implemented online. 2. Operation fees for the treasury management cloud platform: Various system functions of the treasury management cloud platform will be operated and maintained. |
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| Custody service | 020901 | Fee for trusteeship / custody / supervision | Trusteeship fee (including asset trusteeship, fund trusteeship) / custody fee / supervision fee (including independent supervision, independent supervision service): charged at an annual rate of 0-2% of the total value or net value of the asset under trusteeship, custody or supervision, or based on a lump-sum price agreed, specific payment will be collected according to agreements. | Provide clients who need IB to provide custody, trusteeship service 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 trusteeship or custody services; or provide clients who need IB to provide supervision service with supervision services including legal text review, supervision of fund use, income distribution, supervision of liquidation and distribution programs, distribution and liquidation of assets, and information disclosure. The specific service is subject to the agreement. | ||
| 020902 | Account supervision service fee | Account supervision service fee (account supervision fee, fund supervision fee, monitoring fee, etc.): determined with clients based on the product and service. Generally charged at an annual rate of 0-2% of the total value or net value of the account and capital under supervision, or based on a lump-sum price agreed upon with clients, specific payment will be collected according to agreements. | Provide clients with regulatory services including legal text review, opening of supervision accounts, custody of funds, collect, raise and settle funds, 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 agreement | Provide services for the administrator including legal text review, accounting, asset valuation, registration, reporting and information disclosure. |