China Minsheng Banking Corp., Ltd.

Beijing-based Chinese commercial bank serving businesses and individuals

What China Minsheng Banking does

China Minsheng Bank is a Chinese bank that takes deposits from people, companies and government agencies and lends that money out as home mortgages, car loans and business loans. It also issues debit and credit cards and handles payments, transfers and payroll for its customers. It focuses in particular on small and medium-sized businesses.

How China Minsheng Banking makes money

It makes most of its money from the gap between the interest it earns on loans and investments and the interest it pays on deposits. It also earns fees from cards, settlement, cash management, trade finance, guarantees and agency services.

Products & services

• Personal and corporate deposits
• Housing mortgage and auto loans
• Corporate and working capital loans
• Debit and credit cards
• Cash management and trade finance
• Online and mobile banking