Question 1

What is Guilin Bank?

Accepted Answer

Guilin Bank is a leading city commercial bank in China, operating primarily in the Guangxi Zhuang Autonomous Region. As a regional joint-stock commercial bank, it serves both retail and corporate customers across southern China. The bank ranks among China's top city commercial banks, having achieved significant growth in assets and market presence since its establishment.

As of December 2018, Guilin Bank's total assets exceeded 260 billion RMB, and it employs approximately 2,600 staff members. The bank ranked 434th on The Banker magazine's "Top 1000 World Banks" list in 2018, improving by 111 positions from the previous year.

Question 2

When was Guilin Bank founded?

Accepted Answer

Guilin Bank was established in March 1997 as Guilin City Commercial Bank. The bank was founded as a new type of joint-stock commercial bank, initiated by the Guilin Municipal Finance Department and local enterprises in Guilin.

In March 2017, the bank underwent a significant transformation when it successfully introduced China General Nuclear Power Group as a strategic investor and completed a capital registration change to 3 billion RMB. This strategic partnership marked a new phase in the bank's development, bringing enhanced capital strength and access to advanced management expertise.

Question 3

Where is Guilin Bank headquartered?

Accepted Answer

Guilin Bank is headquartered at No. 76 Zhongshan South Road in Guilin, Guangxi Zhuang Autonomous Region, China. The bank operates a dual-headquarters structure, maintaining key operations in both Guilin and Nanning, the capital of Guangxi.

This dual-headquarters approach allows the bank to serve both the historic city of Guilin and the provincial capital of Nanning effectively, supporting its regional expansion strategy.

Question 4

Where does Guilin Bank operate?

Accepted Answer

Guilin Bank operates primarily throughout the Guangxi Zhuang Autonomous Region in southern China. The bank has established a comprehensive multi-tiered service network that includes village-level, town-level, county-level, and city-level service units across the region.

The bank maintains branches in key cities within Guangxi and has developed specialized operations at strategic border locations. Notably, Guilin Bank has opened border trade settlement channels at several China-Vietnam border ports, including Dongxing-Móng Cái, Jingxi-Trà Lĩnh, and Pingxiang-Lạng Sơn.

Question 5

What services does Guilin Bank offer?

Accepted Answer

Guilin Bank provides comprehensive banking services across six key business lines: corporate banking, personal banking, risk management, finance and technology, general management, and audit and supervision.

Corporate Banking: The bank offers business loans, trade finance, foreign exchange services, and specialized cross-border settlement services for companies engaged in ASEAN trade.

Personal Banking: Services include deposits, personal loans, credit cards, wealth management, and retail foreign exchange products.

Digital Banking: The bank provides mobile banking apps and online banking platforms, with features including account management, payment services, utility bill payments, and digital certificates. The bank has pioneered the use of digital RMB in cross-border trade.

Cross-Border Financial Services: Guilin Bank operates the National Vietnamese Dong Cash Transfer Center and facilitates currency exchange for Vietnamese dong, Cambodian riel, Thai baht, and seven major international currencies.

Question 6

What makes Guilin Bank unique?

Accepted Answer

Guilin Bank distinguishes itself as a pioneer in China-ASEAN cross-border financial cooperation. The bank has established cooperative relationships with multiple financial institutions in Vietnam, Cambodia, Thailand, and other ASEAN countries, including partnerships with Canadia Bank, Kasikorn Bank, Hong Leong Bank, and Citibank.

In 2024, Guilin Bank launched the National Vietnamese Dong Cash Transfer Center, becoming a leader in facilitating monetary cooperation between China and Vietnam. The bank was also the first to implement digital RMB applications in individual border trade at Dongxing Port in 2025.

The bank has embraced a "Process Bank" management philosophy, implementing process-oriented operations with the goal of achieving "institutionalized management, process-oriented systems, standardized forms, and electronic forms." This approach focuses on clear responsibilities, streamlined processes, effective internal control, and improved efficiency.

Additionally, Guilin Bank has committed to rural revitalization, establishing a commercially sustainable multi-tiered service network reaching village-level communities throughout Guangxi.

Question 7

What type of financial institution is Guilin Bank?

Accepted Answer

Guilin Bank is classified as a city commercial bank (城市商业银行) in China's banking system. City commercial banks are regional joint-stock commercial banks that typically operate in specific provinces or cities, positioned between large state-owned commercial banks and smaller rural financial institutions.

As a city commercial bank, Guilin Bank focuses on serving local economies, small and medium-sized enterprises, and retail customers within its operational region. The bank operates under the supervision of the China Banking and Insurance Regulatory Commission (CBIRC) and must comply with all national banking regulations applicable to city commercial banks.

Question 8

How does Guilin Bank support China-ASEAN trade?

Accepted Answer

Guilin Bank plays a strategic role in facilitating trade and financial connectivity between China and ASEAN countries, leveraging Guangxi's unique position as a gateway to Southeast Asia.

The bank has established border trade settlement channels at multiple China-Vietnam border ports and developed specialized foreign exchange services for ASEAN currencies. During the 21st China-ASEAN Expo in 2024, the bank's online promotion initiatives drove sales for more than 100 enterprises and 310 types of products imported from Vietnam, Malaysia, Thailand, and other countries, generating over 240,000 clicks.

The bank actively participates in China-ASEAN financial forums and has developed expertise in cross-border remittances, currency exchange, trade financing, and digital payment solutions tailored to ASEAN trade corridors.

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About Guilin Bank in China