Chong Hing Bank
is a bank founded in Hong Kong in 1948.
On November 29 2006, the shareholders of the Liu Chong Hing Bank agreed to change the name of the bank to Chong Hing Bank Limited effective December 23 2006, in order to decrease the family business image of the bank.
General Information
Chong Hing Bank became publicly-listed in 2003. The Liu family is split up into three groups, each group under the main figures in the company.
To cope with personal financial management needs, various products help your wealth grow and enjoy privileges.
Comprehensive Commercial Banking services help customers respond to rapid market changes and enhance competitiveness.
| Accounts & Deposits |
| |
| Tailor-made accounts and deposits are offered to satisfy your ever changing financial needs. |
| |
| Hong Kong Dollar Savings Account interest rate: 2.75% p.a. | |
| Money Exchange |
| Our branches offer money exchange service for other major currencies as well as RMB (see below). No handling fee is imposed. |
| |
| RMB Money Exchange |
| |
Personal Customers - Exchange in Cash
- maximum limit RMB20,000 per transaction (coins exchange will not be accepted). - Exchange through Account
- convert HKD into RMB for deposit : maximum limit RMB20,000 per person per day.
- convert RMB into HKD for withdrawal : maximum limit RMB20,000 per person per day.
| Designated Merchant Customers - Merchants who engage in personal consumer services such as retails sales, catering and accommodation may exchange RMB banknotes received into HKD at our branches.
- No maximum limit for RMB banknotes to be exchanged (coins exchange will not be accepted).
| | |
| Remittance |
| | | | Customers may remit funds to many other places in the world through the Bank. From now on, our RMB (Personal) account holders may remit funds in RMB to their own accounts in the Mainland by using Telegraphic Transfer. The maximum limit for funds to be remitted is RMB80,000 per person per day. | | | | | | | |
| | | Outward Remittance | | | We provide an efficient service of overseas fund transfer by using Telegraphic Transfer (TT). The funds will be received and paid by the beneficiary"s bank to the beneficiary or deposited directly into the beneficiary"s bank account. You may also visit us to buy a Demand Draft and post it to the beneficiary. The beneficiary can deposit it into bank account or encash it at the nominated bank.
| Outward Remittance Service Schedule* | | Time | SWIFT | 9:00 a.m. to 4:00 p.m. | 4:00 p.m. to 5:00 p.m. | | CHATS | 9:00 a.m. to 3:45 p.m. | 3:45 p.m. to 5:00 p.m. | | Mondays to Fridays | Same day process | Processed on the next working day | | Saturdays | Processed on the next working day | * According to the receiving time by Remittance Section | | | | Inward Remittance | | | | You may appoint us to receive your overseas remittance and credit it to your designated account with us. For your flexibility in the use of fund, we will also notify you by phone for remittance in large amount. | | | | RENMINBI (RMB) Remittance | | | CH Bank individual customers can remit RMB from their RMB savings account with CH Bank in Hong Kong to their RMB account under the same name in the Mainland1. Each customer can remit up to a maximum of RMB80,000 per person per day2.
Remarks: - The account name of your beneficiary account in the Mainland must be identical with that for your RMB savings account with CH Bank. RMB funds that have been remitted to your RMB account under the same name in the Mainland and have not been withdrawn may, after appropriate verification, be remitted back to your RMB savings account under the same name in Hong Kong. Conditions may apply including those specified by the bank concerned in the Mainland.
- A customer"s daily outward remittance amount may be checked by the RMB clearing bank.
| | | | CUP Remittance | | | | By simply providing CUP card number issued by the participating bank in Mainland China, you can remit Hong Kong Dollar fund to Mainland China through CH Bank, and the funds will reach the account instantly. Customers can make Renminbi withdrawal 24 hours a day at Automatic Teller Machines with CUP logo in Mainland China. The handling charge is as low as HK$150 per transaction. | | | | Traveler"s Cheque | | | | Using travelers" cheque is safe and convenient when traveling abroad on holidays or business. Different currencies as well as different denominations of Travelers" Cheques are available for purchase at our Head Office or branches. | | |
Chong Hing Card | Introduction to "Chong Hing Card" Services |
| |
| "Chong Hing Card" is available for application by individuals having a Current Account or Savings Account with Chong Hing Bank Limited and having attained the age of 16. "Chong Hing Card" can operate on two accounts to perform various banking services conveniently. "Chong Hing Card" holder can perform the following transactions in Hong Kong Island, Kowloon, New Territories, Macau, Zhuhai and Shenzhen by accessing any Automatic Teller Machine (ATM) marked with  or  in Hong Kong Dollar. - Cash Withdrawal
- Fund Transfer
- Enquiry of Account Balance
- Application for Cheque Book
- Application for Bank Statement
- Change of Personal Identity Number (PIN)
- Bill Payment
Note : Service charge will be imposed for cash withdrawal outside Hong Kong. |
| |
| You can use your Chong Hing Card at any automatic teller machine displayed with or to settle taxes, rates and the bills issued by the participating utility companies and merchants. You may also make your generous donation to "The Community Chest of Hong Kong" through this service as well. Transaction slip is available to give you a record of each transaction. |
| |
"Chong Hing Card" holder can use the direct debit facilities for payment of public utilities bills, taxes and rates and purchases of goods.  | 1. Easy Pay System (EPS) | | By using your "Chong Hing Card", you may settle your purchase at any shop bearing the above EPS logo, and transaction slip(s) will be issued for your record. You may also use "Chong Hing Card" to add value to Octopus Card at public transportation companies such as MTR and KCRC. |  | 2. PPS | | You can pay your utilities bills, taxes, rates and bills issued by those companies which accept PPS, 24 hours-a-day through a tone phone or via Internet after you have opened a PPS account. Just bring your "Chong Hing Card" and open a PPS account, free of charge, at any circle K Convenience Stores, or in many other places with PPS registration terminals. | |
Credit Card
| |
 |
| Please note that cardholders can still use the Cards bearing the old logo after the name change of the Bank. |
| |
| |  | |
| |
| | | |
| |
| | | |
| |
| | | |
| |
| | | |
| |
| | | |
| |
| | | |
| |
| | | |
Mortgage Loan | |
| Chong Hing Bank offers various mortgage loan services to cater for your needs, and help you realize your dream of owning a home. |
| |
| |
| |
| For loan application, please fax or bring along relevant documents listed below to our Head Office or any of our branches. - Photocopy of Hong Kong I.D. Card of the loan applicant(s)
- Proof of income (e.g. latest Income Tax Demand Note, salary statement or bank statement of the last 3 months, or employer"s letter)
- Down payment receipt and the Sale & Purchase Agreement issued.
As for application by Fax, a preliminary assessment would be completed within 8 working hours and the applicant will be notified by phone of the result. |
Personal Loan | |
| Chong Hing Personal Loan offers you a comprehensive consumer financing service for your own plans. With the privileged interest rate and flexible repayment tenor up to 48 months, Chong Hing Personal Loan helps you in reducing interest expense and fulfilling any financial needs. Also, high credit limit with top-up function would an ideal partner for your easy budgeting. |
| |
| |
| Personal Insurance |
| | | | Chong Hing Insurance Co. Ltd. is a wholly-owned subsidiary of Chong Hing Bank Ltd. with solid financial standing. Chong Hing Insurance shares the Bank"s Philosophy of service excellence and is committed to ensure comprehensive insurance protection and prompt claim processing. | | | | | | | |
| | | Chong Hing Insurance provides a wide range of insurance services, we take care of both personal and commercial insurance needs including but not limited to the following classes of insurance: | | Personal Insurance: | | | | Commercial Insurance: | | | | |
| Safe Deposit Box |
| |
| Safe Deposit Boxes of various sizes are available in our branches for renting. |
| |
Deposits Services | Chong Hing Bank offers a wide of range of deposit service for all industries. |
| |
- HKD Savings Account
- Foreign Currency Savings Account
- HKD Current Account
- USD Current Account
- HKD Fixed Deposit
- Foreign Currency Fixed Deposit
|
Payroll Services | Payroll Autopay Service | | | The Bank"s Payroll Autopay Service can be made available to you in any one of following two modes as your option : - Payroll Autopay Report
- Payroll Autopay Diskette
| | | | In using this service, you can enjoy the following benefits : | | | - Savings in Time and Costs
Large volume of salary and wages can be processed with minimal costs. Payments are effected at scheduled intervals through autopay. You do not have to sign any cheque. The procedures are simple and save you a lot of time.
- Payroll Autopay Report
Hard copies of payroll reports detailing the amounts paid to your employees are available for your checking.
- Computer Support Service
(available for computer diskette autopay only)
The Bank will install for you the necessary computer programs, including allied testing for reliable operation.
- Amounts Required for Mandatory Provident Fund
With the assistant of Bank Consortium Trust Company Limited, the amounts to be contributed by your employees" emoluments as well as the amount to be contributed by you as an employer will be processed and effected under the Payroll Autopay Service.
- Banking Facility for Payment of Salary and Wages
To help you better manage your finance, you can apply banking facility to meet your funding needs for payment of salary and wages.
| | | | | | | | | | If you need any further information on our Payroll Autopay Service, please approach any of our Branch Managers or Business Managers at our branches. | | | | | |
Payroll Services | Payroll Autopay Service |
| |
The Bank"s Payroll Autopay Service can be made available to you in any one of following two modes as your option : - Payroll Autopay Report
- Payroll Autopay Diskette
|
| |
| In using this service, you can enjoy the following benefits : |
| |
- Savings in Time and Costs
Large volume of salary and wages can be processed with minimal costs. Payments are effected at scheduled intervals through autopay. You do not have to sign any cheque. The procedures are simple and save you a lot of time.
- Payroll Autopay Report
Hard copies of payroll reports detailing the amounts paid to your employees are available for your checking.
- Computer Support Service
(available for computer diskette autopay only)
The Bank will install for you the necessary computer programs, including allied testing for reliable operation.
- Amounts Required for Mandatory Provident Fund
With the assistant of Bank Consortium Trust Company Limited, the amounts to be contributed by your employees" emoluments as well as the amount to be contributed by you as an employer will be processed and effected under the Payroll Autopay Service.
- Banking Facility for Payment of Salary and Wages
To help you better manage your finance, you can apply banking facility to meet your funding needs for payment of salary and wages.
|
SMEs Lending | Tailor-made solutions for Small-Medium Enterprises: |
| |
- Trade Finance
- SME Loan Guarantee Scheme
- Business Installations and Equipment Loan Guarantee Plan
- Associated Working Capital Loan Guarantee Plan
- Accounts Receivable Loan Guarantee Plan
|
| Corporate Lending |
| | | | Your Business Partner
Financial Management is important to the business development. In addition to tailor-made services such as trade finance, working capital financing and long term loans to different industries, Chong Hing Bank also provides other customized services like syndicated loans arrangement and different types of capital financing etc to assist our customers to achieve greater success in their ever-growing business. | | | | | | | |
- Overdraft
- Post-dated Cheque Discounting
- Term Loan
- Instalment Loan
- Construction Loan
- Syndicated Loan
- Foreign Currency Loan
- Revolving Term Loan
- Corporate Tax Loan
- Machinery Financing
- Money Market Line
- Bank Guarantee
- Mortgage Loan
- Margin Financing
- Car Loan
| | |
| Trade Finance |
| We provide efficient and reliable trade finance services at competitive charges. Our services include: |
| |
| |
| MPF |
| CH Cares For Your Future |
| | | Premium Services | | | To serve the Mandatory Provident Fund ("MPF") needs of our customers, Chong Hing Bank Limited (the "Bank") formed the Bank Consortium Trust Company Limited ("BCT") together with other local financial institutions. With advanced technology, professional expertise and extensive branch network of shareholder group, we are dedicated to providing comprehensive MPF services to our customers. - Our Bank"s professional team is ready to handle MPF application and provide seamless interface arrangement for plan transfer from other trustees
- Qualified MPF intermediaries stationed in all branches are ready to serve customers" enquiries on plan and administration details
- We are committed to providing comprehensive and continuing after-sale services to our customers
| | |
| Joining Benefits |
| |
| We provide additional benefits to the customers who join the Bank Consortium MPF Plan and/or Bank Consortium Industry Plan (the "Plans") offered by BCT: |
| Employer | Employee | - Free eMPF Services
- Free C-Online Service
- Free PayEasy Software
- Free MPF Calculator
- Free consultation and operation services
- Free technical support services
| - Competitive interest rate for fixed deposit
- Preferential interest rate for mortgage loan
- Exemption of ATM Card annual fee
- Exemption of Credit Card annual fee
- Concessionary commission charges for stock trading
- Concessionary service charges for issuance of cashier orders and gift coupons
- Numerous benefits for insurance policies
| |
| |
| Plans Offered by BCT |
| |
| Bank Consortium MPF Plan | - A master trust scheme for all employers, employees and self-employed persons
- Offers two investment approaches: direct investment and investment in approved pooled investment fund ("APIF")
- Four of the constituent funds are multi-manager funds that benefit from diversification of investment styles of different investment managers
| | Bank Consortium Industry Plan | - An industry scheme specifically designed for the catering and construction industries
- Reduces the need for multiple registrations for casual employees due to job change
- Reduces administrative cost and enhances efficiency for employers
| |
| |
| Plans Merits |
| |
- Solid Backing
BCT is backed by the strong financial support of a shareholder group comprising local financial groups in Hong Kong - Effective Plan Control
BCT acts as the trustee, administrator and custodian of the Plans, and this vertical integration helps maintain effective control of members" assets - Independent Investment Manager
All the investment managers appointed are independent of and unconnected with the Trustee - Wide Ranges of Fund Choices
Various constituent funds cover a full spectrum of risk and return profile - Effective Investment
Aggregation of contributions enhances cost effectiveness
|
| |
| Constituent Funds |
| |
- Diversified fund choices provide full range of risk and return profile
- Based on personal investment objective, scheme members are free to allocate the contribution on one or more constituent funds
- Simple procedure for investment switching, no limit and free of charge
| Bank Consortium MPF Plan | Bank Consortium Industry Plan | - Bank Consortium Hong Kong Equity Fund
- Bank Consortium Asian Equity Fund
- Bank Consortium Global Equity Fund
- Bank Consortium Growth Fund
- Bank Consortium Balanced Fund
- Bank Consortium Stable Fund
- Bank Consortium Absolute Return Fund *
- Bank Consortium Global Bond Fund
- Bank Consortium Capital Preservation Fund
| High
Low | | - BCT Hong Kong Equity Fund
- BCT Asian Equity Fund
- BCT Global Equity Fund
- BCT Growth Fund
- BCT Balanced Fund
- BCT Stable Fund
- BCT Absolute Return Fund *
- BCT Global Bond Fund
- BCT Capital Preservation Fund
| High
Low | | *Whilst the underlying APIF aims to achieve absolute returns, there may be circumstances under which this is not possible. Therefore, the absolute positive returns are not guaranteed. |
| |
| Updated Fund Prices |
| |
| Investment Managers |
| |
BCT employs prominent investment managers with in-depth experience in fund management and provident fund investment to manage all constituent funds: - Allianz Global Investors Hong Kong Limited
- Franklin Templeton Investments (Asia) Limited
- INVESCO Hong Kong Limited
- Legg Mason Investments (Hong Kong) Limited
- Schroder Investment Management (Hong Kong) Limited
|
没有评论:
发表评论