Based on the vision of creating value for its partners, CMB is the first bank in China to develop a professional cash management brand that provides innovative cash management services nationwide.

Launched in 2007, CMB‘s C+ cash management solution operates in 5 management categories - accounts and transactions, liquidity, investments, finance, and risk - and offers 40 products. Capitalizing on its decisive lead in the cash management market, CMB has pioneered a full series of innovative products, including Cash Pool, electronic notes, online L/Cs, electronic customs clearance, e-banking, corporate cards, corporate mobile banking, super online banking, and CBS. Underpinned by numerous cash management patents, CMB has served over 130,000 companies to date, helping them manage cash resources, improve liquidity, control financial costs and risks, improve cash profits, and optimize management.

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  The first bank to provide online corporate banking services in China in 1997
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  The first bank to issue L/Cs in China in 2003
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  The first bank to issue electronic notes and provide foreign exchange cash pool services in
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  China in 2005
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  The first bank to provide CBS in 2007
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  Issued the first electronic commercial document in China in 2009
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  Upgraded its cash management products and services and unveiled C+ Global Cash
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  Management in 2009
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  Released the first domestic 3G corporate mobile banking system in 2010
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  Released the intelligent online corporate banking system - U-BANK 7 - in 2010
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  Launched China’s first smart corporate fund management platform - the Intelligent Cash Pool -
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  in 2011
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  Released CBS 4.0, China’s first cross-bank cash management platform, in 2011

In 2011, CMB’s cash management team established the Cash Management Customer Experience Center. By hosting product and technology demos, application simulations and consultation services, the center seeks to foster cooperation models and also implement a one-to-one interactive experience sales mode that enables customers to enjoy CMB's latest cash management products and services. Thanks to the experience center, CMB’s sales success rate has risen to 67%. Based on the increasing brand equity of the C+ global cash management brand coupled with an innovative marketing model, CMB's cash management offerings have stimulated a rapid rise in customer numbers: By the end of 2011, CMB's online corporate banking and cash management had attracted over 180,000 and 170,000 corporate users respectively, ranking first in the industry in terms of customer loyalty as measured by customers who use least four cash management products.Surveys by Nielson from 2008 to 2010 reveal that corporate customer satisfaction with CMB’s C+ brand and its cash management services continue to lead the industry.

Thanks to years of e-banking experience, CMB provides reliable cross-bank asset management services for large companies. Moreover, CMB has continued to expand its cash management service portfolio; for example, it currently provides cash clearance and management systems for key state-owned enterprises, as well as the government’s social security and finance ministries. In addition to clearance and fund collection services, CMB has also pioneered the outsourcing of cash management services and applied other innovative service modes throughout China.

CMB expects to become a resource integrator in the cash management field based on three core advantages: a huge customer base, mature service channels, and a rich product portfolio.

A solid customer base is the foundation for CMB's business operations, and underpins its capability to integrate external resources. In turn, service channels determine CMB's customer development performance. Boosted by low costs and wide coverage, electronic channels such as e-banking are paving the way for CMB to further integrate external resources. To more effectively meet core customer requirements, the bank continually adjusts its product portfolio to respond to changes in customers’ organizational structures and management modes.

CMB is evolving into a service provider and resource integrator based on e-banking and cash management. Against the current backdrop of fundamental changes in banking operation models, CMB streamlines its operations and implements innovative business modes to lead rather than follow industry trends.