Yushan Sanqingshan Rural Bank Co.

What Yushan Sanqingshan Rural Bank Co. does

Yushan Sanqingshan Rural Bank Co., Ltd. (玉山三清山村镇银行股份有限公司) is a privately held village bank (村镇银行) incorporated on October 21, 2011 in Yushan County, Shangrao City, Jiangxi Province, China. The bank operates as a regulated Chinese depository institution under PBOC-supervised village bank rules and participates in the national deposit insurance scheme, holding deposits protected up to 500,000 CNY per depositor. Its principal business is community-based retail and small-business banking, anchored in physical branches distributed across Yushan County and the Sanqingshan Scenic Area and supplemented by mobile banking (掌易行 / Zhang Yi Xing), online banking, WeChat official account, and self-service terminals.

The bank's product portfolio comprises traditional deposit-taking (savings and time deposits), a diversified loan book featuring general business loans alongside specialized products — 园区贷 (Park Loan) for industrial-park tenants, 家具贷 (Furniture Loan), and 房易贷 (House Easy Loan) — bank cards (福气卡 debit, 贷贷卡 loan), and a green credit (绿色信贷) offering. The bank serves rural residents, farmers, individual retail customers, and small and micro enterprises within Yushan County, addressing financial-inclusion gaps where larger commercial banks have limited presence. No public pricing schedules or interest rates are disclosed; loan and deposit rates are set per People's Bank of China regulations and disclosed at branches.

The business model is a conventional spread-based rural bank: net interest income from lending against deposits, plus fee income from cards, transfers, and ancillary services. The bank's registered capital stands at 1,322,481,600 CNY (≈1.32 billion CNY), customer count exceeded 50,000 as of 2018, and cumulative business volume crossed 2 billion CNY per its homepage banner. Distribution is multi-channel: branch-based relationship banking for credit and deposits, combined with a Douyin (Chinese TikTok) account used for promotional live streaming and financial literacy campaigns. There is no disclosed revenue, no external funding rounds, no parent company, no subsidiaries, and no disclosed M&A activity; the institution operates as a standalone, single-county community bank.

Name

Yushan Sanqingshan Rural Bank Co.

Legal name

玉山三清山村镇银行股份有限公司

Website

https://sqsvbank.com

Company type

Private

Founded year

2011

Operating status

Operating

Short description

Yushan Sanqingshan Rural Bank Co. is a privately licensed Chinese village bank founded in 2011 that provides deposits, loans, bank cards, and digital banking to rural residents, farmers, and small and micro enterprises in Yushan County, Jiangxi Province.

Ownership category

akta.pro rank

Product category

Rural Banking

NAICS

Commercial Banking (522110), Savings Institutions and Other Depository Credit Intermediation (52218)

SIC

State Commercial Banks (6022), Personal Credit Institutions (6141)

akta.pro primary industry

Agricultural & Rural Development Banks (FSABAKAE)

akta.pro secondary industry

Small Business Banking (Microbusiness/Sole Proprietor) (FSABAAAI)

Keywords

• Rural banking services
• Savings deposits
• Small business lending
• Agricultural loans
• Mobile banking

Headquarters

HQ city

Shangrao

HQ country

China

HQ region

Asia

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Distribution channels4 records

Marketing channels1 record

Core offering

Yushan Sanqingshan Rural Bank Co. is a village bank offering deposit-taking, a diversified loan portfolio (business loans, Park Loans for industrial parks, Furniture Loans for furniture businesses, House Easy Loans for housing, and agricultural loans), branded bank cards (Fortune Card, Loan Card), and digital banking channels (mobile banking app Zhang Yi Xing, online banking, self-service banking). It also provides green credit services aligned with sustainable finance standards and operates under China's national deposit insurance scheme.

Product overview

Yushan Sanqingshan Rural Bank Co. is a rural village bank offering a comprehensive portfolio of banking products and services. The core offerings include traditional deposit services, diverse loan products (园区贷 for industrial parks, 家具贷 for furniture sector, 房易贷 for housing, and other business loans), bank cards (福气卡 and 贷贷卡), and digital banking channels (网上银行, 手机银行, 掌易行, and 自助银行). The bank also provides specialized green credit financial services aligned with sustainable finance standards. The bank has achieved milestone of exceeding 2 billion in business as indicated by promotional materials.

Differentiator

Problem solved

Functional benefit

Brands

• 掌易行: Mobile banking service
• 存保宝
• 福气卡
• 贷贷卡
• 房易贷
• 家具贷
• 园区贷

Products and services

• Deposit Business (存款业务) Traditional deposit services including savings accounts and time deposits for individual and corporate customers, protected under China's national deposit insurance scheme.
• Loan Business (贷款业务) Comprehensive lending products including business loans, mortgage loans, and other specialized loan products for rural residents and small enterprises.
• Park Loan (园区贷) Specialized loan product designed for businesses located in industrial or technology parks, providing working capital and expansion financing.
• Furniture Loan (家具贷) Loan product tailored for furniture businesses or purchases, supporting the local furniture industry in Yushan County.
• House Easy Loan (房易贷) Mortgage or housing-related loan product for property financing, addressing housing finance needs in rural townships.
• Other Business Loans (其他经营贷款) Additional business loan products supporting working capital and operational financing for small and micro enterprises.
• Fortune Card (福气卡) A branded debit card offering standard banking card functionality for individual customers.
• Loan Card (贷贷卡) A credit or loan card product associated with the bank's lending services, providing revolving credit access to customers.
• Online Banking (网上银行) Internet banking platform for customers to access account management, transfers, and other banking services online via web.
• Mobile Banking (手机银行) Smartphone banking application enabling mobile access to banking services including account management, transfers, and balance inquiries.
• Zhang Yi Xing Mobile Banking App (掌易行) Mobile banking application branded as Zhang Yi Xing, providing convenient mobile financial services including self-service deposit, withdrawal, transfers, and account management.
• Self-Service Banking (自助银行) Self-service banking channel including ATMs and self-service terminals enabling out-of-branch cash deposit, withdrawal, and balance inquiry.
• Green Credit (绿色信贷) Green finance and credit services aligned with environmental sustainability guidelines, supporting environmentally responsible lending.

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• 江西省轴承商会 (Jiangxi Provincial Bearing Commerce Association)minorStrategic or Co-development Partner · 11 April 2026玉山三清山村镇银行 entered into a strategic cooperation agreement with the Jiangxi Provincial Bearing Commerce Association (江西省轴承商会) in April 2026. The partnership is aimed at deepening government-banking strategic cooperation and empowering the real economy, specifically serving the financial needs of bearing industry enterprises within the association.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Agricultural Bank of China: China's largest rural-focused state-owned commercial bank. Competes directly with Yushan Sanqingshan for rural residents, farmers, and small businesses through its county-level branch network and Sannong (三农) lending program, serving the same geographic and demographic customer base.
• Postal Savings Bank of China: China's largest bank by number of outlets with deep penetration in county-level and rural areas. Directly competes for rural deposits, small business loans, and individual customers in Yushan County and surrounding areas through its ubiquitous branch and agent network.

Broad incumbents

• Industrial and Commercial Bank of China: The world's largest bank by assets. While primarily serving urban and large corporate customers, ICBC's county-level branches and inclusive finance product lines compete with village banks for SME and rural retail customers in Yushan County and similar areas.
• Zheshang Bank: A national joint-stock commercial bank headquartered in Hangzhou, Zhejiang. While broader in geographic and product scope, it targets overlapping SME and retail segments in eastern China and competes with regional and county-level banks for similar deposit and loan customers.
• China Merchants Bank: A major joint-stock commercial bank known for retail banking leadership. Its highly regarded CMB mobile app increasingly serves customers in smaller cities and rural areas, representing a credible digital competitive threat to traditional village bank branch models.
• Bank of Hangzhou: A regional commercial bank listed on the Shanghai Stock Exchange, serving Zhejiang and surrounding provinces with SME-focused lending and retail banking products. Comparable in segment focus (small business, retail) though broader in geographic reach than a single-county village bank.
• China Construction Bank: One of China's 'Big Four' state-owned commercial banks with national reach and county-level presence. Competes with Yushan Sanqingshan through its extensive branch network in lower-tier cities and its inclusive finance and inclusive lending digital products.
• Bank of Ningbo: A regional commercial bank serving Zhejiang and eastern China, known for SME lending and retail banking. Provides a benchmark for product positioning and risk management practices relevant to small and mid-sized banks in eastern China.

Emerging players

• MYbank: Ant Group's digital bank focused on small businesses and rural customers. Operates without physical branches and offers near-instant online credit decisions, directly threatening the traditional branch-based village bank model that Yushan Sanqingshan depends on.
• WeBank: China's first internet-only bank, backed by Tencent. Provides digital lending, deposit, and wealth management services that compete for the same rural and small business customers that Yushan Sanqingshan serves through branch-based delivery, representing a structural cost advantage threat.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

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 Yushan Sanqingshan Rural Bank Co.