Jiangsu Changjiang Commercial Bank

What Jiangsu Changjiang Commercial Bank does

Jiangsu Changjiang Commercial Bank (江苏长江商业银行) is a regional Chinese city commercial bank headquartered in Jingjiang, Jiangsu Province. Founded in 1988, it operates a branch and sub-branch network spanning more than ten cities across Jiangsu — including Jingjiang, Wuxi, Nantong, Yangzhou, Yancheng, Suqian, and Taizhou — supplemented by village-level rural inclusive finance service points. The bank's strategic positioning is centered on inclusive finance: it serves small and micro enterprises, individual entrepreneurs, farmers, aquaculture operators, and retail consumers who are typically underserved by larger state-owned commercial banks. Its customer base has cumulatively grown to several hundred thousand small/micro enterprises and individual operators over its operating history.

The product portfolio is organized around three pillars: (1) inclusive finance and microenterprise lending — including the fully online 舒心贷 (Shuxin Dai) business loan of up to 2 million yuan per borrower and the 任意花 (Renyi Hua) consumer loan with terms up to seven years; (2) agricultural and rural loans (农机贷 agricultural machinery loans, 养殖贷 aquaculture loans); and (3) traditional corporate banking — corporate credit loans, the 长江智造贷 manufacturing loan, bill discounting (including online instant discounting), and deposit products spanning demand, time, notice, and large-denomination CDs. The bank earns revenue primarily through net interest spread between deposit rates (0.15% demand to 1.8% three-year term) and loan yields, supplemented by transaction fees from merchant acquiring (招财码), debit card services, and bill discounting. Most electronic banking services are free, indicating a customer acquisition-oriented pricing model.

Technology infrastructure includes a cloud-based banking architecture with a "two sites, three centers" disaster recovery setup, a proprietary private cloud platform (3100 Private Cloud), a next-generation credit risk management system, and a micro business mobile workstation enabling field credit assessments. The mobile banking app integrates UnionPay QuickPass, WeChat Pay, Alipay, and multiple Chinese push/analytics SDKs. Distribution combines physical branches, mobile banking, WeChat banking, video banking (VTM), and rural service points — supplemented by internet lending co-development partnerships with WeBank, Qifu Network, and Jiangsu Sushang Bank for online loan origination.

Name

Jiangsu Changjiang Commercial Bank

Legal name

江苏长江商业银行股份有限公司

Website

https://cjccb.com

Company type

Private

Founded year

1988

Operating status

Operating

Headcount range

251–500 employees

Short description

Jiangsu Changjiang Commercial Bank is a regional city commercial bank headquartered in Jingjiang, Jiangsu, providing inclusive financial services — including online micro loans, consumer credit, agricultural loans, deposits, and bill discounting — to small/micro enterprises, farmers, and retail customers across Jiangsu Province.

Ownership category

akta.pro rank

Product category

City Commercial Banking

NAICS

Commercial Banking (52211), Commercial Banking (522110)

SIC

State Commercial Banks (6022)

akta.pro primary industry

General SME & Middle-Market Commercial Banking (FSABABAA)

akta.pro secondary industries

SME Sector/Specialty Banking (Vertical-focused: Healthcare, Agri, Tech, etc.) (FSABABAI), SME Trade Finance & Working Capital (LCs, Guarantees, Receivables) (FSABABAF), SME Business Lending (Term Loans, Lines of Credit, Overdrafts) (FSABABAB)

Keywords

• City commercial banking
• Microenterprise lending
• Inclusive finance
• Rural banking services
• Consumer credit loans

Headquarters

HQ city

Jingjiang

HQ country

China

HQ region

Asia

Offices11 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Loan Interest Income: The bank earns interest income from lending products including small micro loans (小微贷款), business loans (舒心贷), consumer loans (任意花), agricultural loans (三农贷款), and corporate loans. Interest rates vary by product: personal demand deposits 0.15%, 3-month time deposits 1.1%, 1-year time deposits 1.4%, 3-year time deposits 1.8%. Small micro loans up to 2 million yuan, consumer loans up to 7-year terms.
2. Deposit Taking and Interest Spread: The bank accepts deposits from individuals and corporations including current deposits, time deposits, large-denomination certificates of deposit (20万+ minimum), notice deposits (1-day and 7-day), and agreement deposits, earning the spread between loan and deposit rates.
3. Electronic Banking and Digital Services: Revenue from mobile banking, online banking, video banking, WeChat banking services including transfer fees, account management fees, and third-party payment processing (WeChat Pay, Alipay, UnionPay). Many services are free to drive customer acquisition.
4. Payment Processing (收单业务): Fee income from merchant acquiring through the bank's payment terminal (招财码) and bill payment services. WeChat/Alipay QR code payment acceptance services for merchants.
5. Bill Discounting (票据贴现): Revenue from discounting commercial bills including online instant discounting (在线秒贴) and direct bill discounting (票据直贴) services for corporate clients.
6. Bank Card Services: Fee income from debit card issuance (长江借记卡, 长江宝贝卡, 乡村振兴卡) including annual fees and transaction fees. Preferential rates for small micro merchants on acquiring.

Pricing tiers

Go-to-market motion2 records

Distribution channels8 records

Marketing channels6 records

Core offering

Jiangsu Changjiang Commercial Bank is a regional city commercial bank headquartered in Jingjiang, Jiangsu Province, providing deposit-taking, lending, payment, and wealth-related services. The bank focuses on small and micro enterprises (小微企业), individual consumers, and agriculture/rural customers ('三农') in Jiangsu Province, distributing products through branch offices, mobile banking, WeChat banking, and rural inclusive finance service points. Its portfolio includes online credit-based loan products (舒心贷 for businesses up to 2 million yuan; 任意花 consumer loan up to 7 years), agricultural machinery and aquaculture loans, corporate bill discounting, and debit card services.

Product overview

Jiangsu Changjiang Commercial Bank (Jiangsu Changjiang Shangye Yinhang) is a regional commercial bank headquartered in Jingjiang, Jiangsu Province, offering a comprehensive suite of personal and corporate banking products. The bank's portfolio is structured around three main pillars: personal financial services (savings deposits, debit cards, and personal lending), inclusive finance and microenterprise services (microenterprise credit loans, guaranteed loans, mortgage loans, agricultural loans, and online lending products), and corporate banking (corporate credit, unit deposits, and bill discounting). The bank serves retail and corporate customers through a network of physical branches, self-service banking terminals, and digital channels including mobile banking, video banking, WeChat banking, and a comprehensive internet banking platform. Key digital products include the Shuxin Dai (舒心贷) online business credit loan, the Renyi Hua (任意花) consumer loan with terms up to 7 years, and both personal and corporate digital yuan (e-CNY) wallet services. The bank also operates merchant QR code payment acceptance (招财码) and a branded financial education initiative called Shuidi (水滴). A total of 10 branch locations serve the Jiangsu region including branches in Wuxi, Nantong, Yangzhou, Yancheng, Suqian, Taizhou, Jingjiang, Taixing, Xinghua, and Jiangyan.

Differentiator

Problem solved

Functional benefit

Brands

• 舒心贷: Online micro-enterprise loan product providing credit up to 2 million yuan per customer, with loan terms up to 3 years, fully online process.
• 任意花
• 长江智造贷
• 招财码
• 水滴金融知识

Products and services

• Personal Savings Deposits (储蓄存款) Personal savings products including demand deposits, fixed-term time deposits (3-month to 5-year terms), large-denomination negotiable CDs (200,000 yuan minimum), 1-day/7-day notice deposits (50,000 yuan minimum), and monthly installment savings plans for individual customers.
• Changjiang Debit Card Family (长江借记卡系列) Family of bank-issued debit cards including the standard Changjiang Debit Card, Changjiang Baby Card for minors' financial management, and Rural Revitalization Card for agricultural customers, supporting domestic and international payment, withdrawal, and transfer functions.
• Shuxin Dai (舒心贷) - Online Business Credit Loan Pure credit-based online loan product for microenterprises and individual businesses facing working capital shortages. Provides credit up to 2 million yuan per household with terms up to 3 years, fully online processing via mobile banking, QR code, or WeChat mini-programs, and revolving credit facilities without collateral requirements.
• Renyi Hua (任意花) - Consumer Loan Internet consumer loan for individual customers to meet daily consumption needs. Offers terms up to 7 years, pure credit basis, rapid fund disbursement, and credit limits/interest rates determined using personal tax data via mobile banking, WeChat mini-programs, or QR code application.
• Micro Enterprise Loans (小微贷款) Comprehensive suite of microenterprise loan products for small businesses and individual operators, including credit-based loans (Micro Business Startup/Support Credit Loans), guaranteed loans (with guarantor in lieu of collateral), and mortgage-backed loans (residential and non-residential property collateral) for startup, operating capital, and equipment financing needs.
• Corporate Credit Loan (公司信用贷) Unsecured credit loan for corporate customers based on business credit standing and financial profile. Designed for working capital and business expansion needs of small and medium enterprises.
• Changjiang Manufacturing Loan (长江智造贷) Specialized credit product targeting manufacturing enterprises, designed to support intelligent manufacturing transformation, equipment upgrades, and operational growth within Jiangsu's manufacturing sector.
• Online Bill Discounting Services (在线秒贴 / 票据直贴) Commercial paper discounting services including Online Instant Bill Discounting (在线秒贴) enabling same-day processing for commercial paper, and Direct Bill Discounting (票据直贴) providing working capital financing for businesses holding trade receivables.
• Corporate Deposit Products (单位存款) Corporate deposit products including demand deposits (活期), fixed-term time deposits (定期), notice deposits (通知存款) requiring advance withdrawal notice, and agreement deposits (协定存款) with negotiated interest rates for corporate and institutional clients.
• Agricultural Loans (三农贷款 - 农机贷/养殖贷) Specialized agricultural loan products including Agricultural Machinery Loan (农机贷) for purchasing farming equipment and Aquaculture/Breeding Loan (养殖贷) for livestock and aquaculture farming operations, with seasonal flexibility to support farming cycles across Jiangsu's rural areas.
• Merchant QR Code Payment Service (招财码) Merchant acquiring payment service (招财码) enabling small and micro merchants to accept QR code payments via WeChat Pay, Alipay, and UnionPay, with preferential acquiring rates for small micro merchants and a dedicated merchant platform for transaction management.
• Mobile Banking (手机银行) Full-service mobile banking app supporting account management, transfers, loan applications (Shuxin Dai and Renyi Hua), financial product purchases, bill payments, QR code payments, and video teller services. Available on Apple, Huawei, Xiaomi, Baidu, and Tencent app stores.
• Video Banking (视频银行) Video teller service (VTM) enabling customers to interact with bank staff via live video for account opening, card issuance, identity verification, and other account services without visiting a branch.
• WeChat Banking (微信银行) Banking services accessible through the bank's WeChat official account and dedicated mini-programs (Changjiang Bank Renyi Hua and Changjiang Bank Shuxin Dai) enabling loan applications, account inquiries, and financial services within the WeChat ecosystem.
• Digital Yuan/e-CNY Wallets (数字人民币钱包) Digital currency services offered in partnership with the People's Bank of China, supporting both Personal and Corporate e-CNY wallets including registration, cancellation, upgrade, account binding/unbinding, and digital yuan exchange and payment functions.

Quantifiable outcome

• Loan approval decisions made instantly on-site (当场申请立得授信额度) for 舒心贷
• +4 more outcomes

Named customers7 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration24 records

Feature5 records

Partnerships

Eleven partnerships are on record, tiered core and minor.

• 靖江市人民政府办公室 (Jingjiang Municipal Government Office)coreStrategic or Co-development Partner · 31 December 2025Co-developed the '金融超市' (Financial Supermarket) product, jointly launched with the local government and National Financial Regulatory Administration Jingjiang Supervision Office, presented at the 村超 football event as a financial information platform for residents.
• 深圳前海微众银行股份有限公司 (WeBank)coreTechnology or Integration · 30 September 2025Internet loan co-development partner listed in official announcement. WeBank (微众银行) provides digital banking infrastructure and potentially co-lending or channel services for the bank's online lending products.
• 福州奇富网络小额贷款有限公司 (Qifu Network Microfinance)coreTechnology or Integration · 30 September 2025Internet microfinance partner providing digital lending platform services. Listed as internet loan business partner in official regulatory filing.
• 福州奇富融资担保有限公司 (Qifu Financing Guarantee)coreStrategic or Co-development Partner · 30 September 2025Financing guarantee partner for internet loan products, providing guarantee backing for loans that require collateral.
• 广东银达融资担保投资集团有限公司 (Yinda Financing Guarantee)coreStrategic or Co-development Partner · 30 September 2025Financing guarantee partner providing guarantee services for internet lending co-development.
• 金蝶征信有限公司 (Kingdee Credit)coreTechnology or Integration · 30 September 2025Credit assessment and data partner providing enterprise credit data for loan eligibility assessment, enabling the bank's credit evaluation process for small micro borrowers.
• 鑫恒绅企业服务（无锡）有限公司 (Xinhengshen Enterprise Service)minorChannel Partner/ Reseller/ Distributor · 30 September 2025Internet loan co-development partner providing channel or referral services for loan customer acquisition.
• 美团 (Meituan) / 小象超市 (Xiaoxiang Supermarket)minorGTM or Marketing Partner · 13 September 20253.15 consumer protection outreach partnership. Bank's Water Drop volunteers conducted financial literacy sessions at Meituan and Xiaoxiang delivery stations, reaching gig economy workers.
• 快递网点 (Express Delivery Stations)minorGTM or Marketing Partner · 13 September 2025Financial literacy outreach at multiple express delivery stations during 3.15 period, reaching delivery workers who are underserved in financial education.
• 特惠商户 (Preferential Merchants)minorGTM or Marketing Partner · 1 January 2025Co-marketing partners for promotional activities including '满20减5元' (spend 20 get 5 off) discount campaigns with bank debit card, driving card usage and customer acquisition.
• 江苏骥江律师事务所 (Jiangsu Jijiang Law Firm)minorImplementation/ SI/ Consulting Partner · 5 June 2024Legal services partner for loan collection and debt recovery, listed as an approved collection partner.

Scale indicators6 records

Recent moves7 records

Expansion highlights6 records

Direct peers

• Bank of Jiangsu: Large listed city commercial bank headquartered in Nanjing with operations across Jiangsu Province. Directly comparable as a Jiangsu-focused commercial bank, though significantly larger in scale and publicly listed.
• Bank of Nanjing: Major listed city commercial bank headquartered in Nanjing with strong Jiangsu retail and SME lending franchise. Comparable in core product set and regional focus, with greater scale and digital maturity.
• Jiangsu Sushang Bank: Private city commercial bank focused on Jiangsu SMEs and inclusive finance. Listed as an internet loan co-development partner of Changjiang Bank; directly comparable in scale, geographic scope, and target segments.
• Chongqing Fumin Bank: Private city commercial bank similarly structured as a regional private bank serving SMEs and retail customers. Listed as an internet loan co-development partner; comparable in private ownership, scale, and inclusive finance positioning.
• Shanghai HuaRui Bank: Private city commercial bank with comparable scale, ownership structure, and inclusive finance focus. Listed as an internet loan co-development partner of Changjiang Bank; serves SMEs and consumers in the Yangtze River Delta region.

Broad incumbents

• WeBank: China's leading digital-only bank and internet loan co-development partner of Changjiang Bank. Operates at significantly larger scale but shares digital lending technology and inclusive finance mission, making it a strategic technology peer.
• Postal Savings Bank of China: Major state-owned bank with the deepest rural and county-level distribution network in China. Directly competes for the same small micro and rural customers that Changjiang Bank serves, with vastly greater scale and funding cost advantages.
• Industrial Bank: National joint-stock bank with strong inclusive finance and SME lending franchises. Competes for the same Jiangsu SME customer base with broader product suite and stronger digital capabilities.

Regional players

• Jiangsu Zijin Rural Commercial Bank: Local rural commercial bank serving the same Jiangsu geographic market with focus on agricultural and rural customers. Directly competes in the same province-level micro and agricultural lending segments that Changjiang Bank targets.
• Jingjiang Rural Commercial Bank: Local Jingjiang-headquartered rural commercial bank operating in the same primary market as Changjiang Bank. Direct geographic competitor for the same local SME, agricultural, and retail customers.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Subsidiaries10 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Jiangsu Changjiang Commercial Bank