Benefit-laden wealth management
 
YieldPlus is SPDB’s professional and convenient wealth management service for company customers; including negotiation deposit, call deposit, structure deposit, entrusted loan, bonds, foreign exchange, gold, funds, and other investment tools and products.

Various and flexible deposits
SPDB provides customers with various deposits, including current deposit, time deposit, negotiation deposit, call deposit, contracted deposit, and structure deposit. The company can make flexible choice among the deposits according to own requirements for funds management to increase interest and capital returns.

Entrusted Loans with High Returns
Entrusted Renminbi loans are loans released and managed by SPDB under the entrustment of your company. Your company, as the client, provides capital and SPDB, as the trustee, releases capital to, supervises capital application and helps capital recovery from the designated borrowers by your company as per the specified usage, amount, duration and interest rate. \
1. Entrusted loan interest rate shall be determined according to the loan interest rate of the People’s Bank of China of the same period, which ensures your capital returns far higher than the deposit returns at the same period;
2. The usage, amount and duration for entrusted loan shall be consulted in details between your company and the borrowers, ensuring your initiative in wealth management;
3. SPDB can supervise the loan application under your requirements to help risk control.
 
Free Inter-Bank Bonds Transaction on Agent Basis
SPDB can handle, under the entrustment of the company, Renminbi bonds transaction, buy back, and bonds settlement and trust among the inter-bank bonds markets in China.
1. Compared with the bonds market of the stock exchange, your company can invest in multiple varieties in the inter-bank bonds market at lower cost;
2. In the inter-bank bonds market, your company can gain the same privilege and convenience with the financial institutions in terms of bonds investment and transaction, fully enjoying the returns from inter-bank bonds market;
3. Your company can acquire our full bonds agent service, including opening or cancellation of bonds entrustment accounts, interest payment and honoring of principal of bonds, bonds buyorsell, buyback on commission basis (currently limited to buyback transaction for non-financial institution clients), and bond information consulting.

Foreign Exchange Brokerage ensuring risk prevention and stable returns
Foreign exchange brokerage service is service provided by SPDB on foreign exchange business, foreign exchange assets management and risk management, and other foreign exchange services on agent basis in accordance with your requirements for currency types, exchange rate, interest rate and returns and by virtue of our well developed information network, powerful transaction capacity and abundant instruments.
Foreign exchange brokerage service meets with your personalized demands by different service methods:
1. Foreign exchange business, controlling foreign exchange risk
SPDB uses various financial instruments such as spot, forward, swap, and option forward tools to take the exchange rate risk under control.
2. Foreign exchange assets management realizing higher benefits
SPDB will, under your entrustment, make use of various financial instruments in the international financial market, and help your company adjust assets interest rate, currency type and duration structure, to realize higher returns from foreign exchange assets.
3. Foreign exchange liability risk management, fixing or lowering financing cost
SPDB will, under your entrustment, make use of various value preservation tools against risks in the international financial market, and help your company adjust interest rate and currency type of your foreign exchange liabilities to fix or lower down liability cost and exchange risk.

Value-Added and Preserved Gold Brokerage
Gold brokerage service refers to services of gold dealings and related transaction, liquidation, warehousing and delivery under your entrustment.
1. Provision of access to gold market to your company to ensure your free gold business based on your business development;
2. Gold is the financial instrument with sound and unique value preservation nature, and its price is always negatively correlated to the economic stability. SPDB can help your company grasp every opportunity to ensure your value-added and preserved assets management.

Agent Funds with Multiple Investment Options
SPDB, as the agent for open-end funds, provides the company with opening, subscribe,application, redemption, dividend, transfer to trust, non-transaction transfer of open-end funds.
1. SPDB provides various funds products on agent basis, ensuring more choice for your wealth management and investment;
2. Strong system inquiry function helps your company obtain prompt knowledge of your funds situations;
3. SPDB is the first bank providing reservation entrustment service on open-end funds and our reservation transaction service will facilitate your financial management.