Zhongyuan Bank Co., Ltd.

Zhongyuan Bank was established in December 2014 and is described on its official site as a provincial-level legal-person bank whose branch network covers all of Henan Province. In July 2017 it was listed on the Main Board of the Hong Kong Stock Exchange. In May 2022, with approval from the China Banking and Insurance Regulatory Commission, it formally absorbed and merged Luoyang Bank, Pingdingshan Bank and Jiaozuo Zhonglv Bank. It operates 18 branches, more than 600 business outlets, one consumer finance company, two financial leasing companies and eight village banks, with total assets exceeding 1.4 trillion and more than 18,000 employees.

Zhongyuan Bank was established in December 2014 and is described on its official site as a provincial-level legal-person bank whose branch network covers all of Henan Province. In July 2017 it was listed on the Main Board of the Hong Kong Stock Exchange. In May 2022, with approval from the China Banking and Insurance Regulatory Commission, it formally absorbed and merged Luoyang Bank, Pingdingshan Bank and Jiaozuo Zhonglv Bank. It currently operates 18 branches, more than 600 business outlets, one consumer finance company, two financial leasing companies and eight village banks, with total assets exceeding 1.4 trillion and more than 18,000 employees.

• Zhongyuan Bank is established as a provincial-level legal-person bank in Henan.

• The bank lists on the Main Board of the Hong Kong Stock Exchange under ticker 1216.HK.

• With CBIRC approval, Zhongyuan Bank formally absorbs Luoyang Bank, Pingdingshan Bank and Jiaozuo Zhonglv Bank.

• Credit card products including the public service card, installment card, veterans card and classic standard card are listed on the bank's website.

• The car-owner credit card is added to the bank's credit card product line-up.

Guided by its mission as "the Central Plains people's own bank," it is committed to the goals set by the Henan Provincial Party Committee and Provincial Government of "building a first-class urban commercial bank and serving as the pacesetter of Henan's financial sector."

• Personal finance (Yidian loan, Yidian deposit, Yidian wealth)

• Corporate finance (deposit, financing, payment and settlement, supply chain finance, investment banking, cross-border finance)

• Inclusive finance (small and micro enterprise loans, personal business loans, agricultural loans, agricultural deposits)

• Digital intelligence banking (mobile banking, personal online banking, WeChat banking, corporate online banking, corporate mobile banking, telephone banking)

• Credit cards

• 2025

  Nanyang Branch Fined RMB 600,000 for Staff Illegally Borrowing Client Funds and Other Violations

  In May 2025, the Nanyang Branch of Zhongyuan Bank was fined RMB 600,000 for staff illegally borrowing client funds, lending to clients, and inadequate underwriting that led to fraudulent guarantees.

  Source

• 2023

  Anyang Tieyi Road Sub-branch Fined RMB 2.15 Million for Loan Three-Check Failures and Senior Executive Qualification Violations

  In 2023, the Anyang Tieyi Road Sub-branch of Zhongyuan Bank was fined RMB 2.15 million for inadequate loan three-check procedures and for having someone perform senior executive duties without approval; relevant personnel were warned. The branch was formerly the Anyang Branch of the merged Bank of Luoyang.

  Source

• 2023

  Luohe Branch Fined RMB 430,000 for Failure to Identify Clients as Required

  In March 2023, the People's Bank of China Luohe Central Sub-branch fined the Luohe Branch of Zhongyuan Bank RMB 430,000 for failing to conduct ongoing customer due diligence and failing to re-identify customers.

  Source

• 2020

  Anyang Branch Wealth Manager Stole Client Funds; Institution and Management Penalized

  In 2020, the Anyang Branch of Zhongyuan Bank was fined RMB 400,000 after a wealth manager stole client funds; the manager was banned from the industry for life, and branch management was also penalized for supervisory responsibility.

  Source 1Source 2

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1. 1中原银行股份有限公司官网首页zybank.com.cn
2. 2信用卡产品zybank.com.cn
3. 3我行简介zybank.com.cn
4. 4中原银行关于系统升级暂停借记卡部分服务的公告zybank.com.cn
5. 5关于中原银行官方营销外呼固话号码的公示zybank.com.cn
6. 6Nanyang Branch Fined RMB 600,000 for Staff Illegally Borrowing Client Funds and Other Violationseeo.com.cn
7. 7Anyang Branch Wealth Manager Stole Client Funds; Institution and Management Penalizedthepaper.cn
8. 8Anyang Branch Wealth Manager Stole Client Funds; Institution and Management Penalizednbd.com.cn
9. 9Anyang Tieyi Road Sub-branch Fined RMB 2.15 Million for Loan Three-Check Failures and Senior Executive Qualification Violationsjiemian.com
10. 10中原银行公布吸收合并方案bank.jrj.com.cn