Industry Solutions
Tailored One-Stop Financial Solutions for SMEs across Industries
Construction
With years of experience in financing construction and
infrastructure projects of various sizes, BOCHK's
dedicated Engineering and Construction Team provides
tailor-made financing solutions and professional advice.
We also offer all-round financial services—including
cash management, loans and insurance, to support your
business growth.
1) Business Setup
Opening a Company Account for Your Business
The BOCHK Business Integrated Account can be opened
in as fast as 3 working days. Eligible customers may
also open an account remotely online for added
convenience. One-stop banking services are provided
to help optimise financial management, improve
operational efficiency, and enhance
cost-effectiveness.
2) Business Operation
Comprehensive Coverage for Construction Projects
Contractors' All Risks Insurance covers accidental
loss or damage to property due to fire, burglary or
accidental damage at the site. It also includes
legal liability in respect of bodily injury or
death, or property damage to any person.
Monthly Salary and Allowance Payments
BOCHK provides a convenient and secure Payroll
Service that offers a one-stop online platform for
payroll and tax return preparation, with online
same-day salary payment—helping you minimise
transaction costs.
3) Business Expansion
Obtaining Long-term Financing to Support Your Growth
As your business grows and begins to handle multiple
projects on a steady basis, you may need additional
funding to purchase heavy equipment (e.g. excavators
and cranes), set up temporary site offices, or
expand your management team and technical workforce.
When short-term working capital is no longer
sufficient to support scalable growth, BOCHK offers
a range of loan solutions to help you expand your
business steadily.
E-Commerce
As omni-channel retail becomes the new normal, BOCHK's
professional team understands the needs of e-commerce
businesses and provides an integrated online and offline
payment collection and transaction management
services—helping you manage accounts efficiently and
improve operational efficiency.
1) Business Setup
Opening a Company Account for Your Business
Starting an e-commerce business begins with
establishing the company account. The BOCHK Business
Integrated Account can be opened in as fast as 3
working days. Eligible customers can also open an
account remotely online, without visiting a
branch—helping you get your business up and running
faster.
Online Collection Solution
The BoC Bill online collection solution enables fast
platform integration and supports multiple payment
methods. It helps you keep pace with market and
technology trends and expand your online business
with ease.
2) Business Operation
Optimising Cash Flow and Short-term Funding
The e-commerce sector often experiences significant
seasonal fluctuations (e.g., "Double 11" and Black
Friday). To support your short-term cash flow needs,
BOCHK offers a diverse range of financing solutions.
3) Business Expansion
Low-interest Financing to Support Business Upgrades
As e-commerce businesses enter their growth phase,
they often invest in expanding warehousing,
strengthening brand promotion, or scaling their
operations teams. To support these
medium-to-long-term funding needs, BOCHK offers a
range of financing solutions to help you grow
steadily and scale up.
Trading
Trade markets are constantly changing, making liquidity
and operational efficiency critical. BOCHK's
professional trade services team provides a wide range
of cross-border trade finance solutions to help you
manage risks effectively.
1) Business Setup
Opening a Company Account for Your Business
Opening a company account is an important first step
in starting a trading business. The BOCHK Business
Integrated Account can be opened in as fast as 3
working days. Eligible customers may also open an
account remotely online, with a simple and efficient
process to help newly established businesses get up
and running quickly.
2) Business Operation
Settlement for Goods
BOCHK has established a suite of global remittance
services that enables customers, through a
diversified branch network and electronic channels,
to make telegraphic transfers and local interbank
transfers in all major settlement currencies—saving
time and offering flexibility. For fund transfers
among the Mainland, Hong Kong, Macau and Taiwan, BOC
Remittance Plus is an efficient option. Where the
beneficiary account is opened at any branch of Bank
of China in the Mainland, Macau, Taiwan, and certain
branches outside Hong Kong, it helps facilitate
faster fund transfers.
Leveraging Digital Platforms to Manage Foreign
Exchange Risk
Cross-border trade involves payments and receipts in
multiple currencies, and exchange rate fluctuations
can directly affect a company's profits. BOCHK
offers a one-stop FX trading and management
solution. Via iGTB NET or iGTB MOBILE, you can
exchange foreign currencies anytime, anywhere at
preferential T/T exchange rates, covering up to 16
currencies (including RMB, USD, GBP, JPY, AUD, EUR,
and more) to meet diverse settlement needs for
import and export businesses.
3) Business Expansion
Obtaining Long-term Financing Support
As businesses enter a stage of stable growth, they
may need to invest more in expanding warehousing,
implementing automation, exploring new markets, or
increasing procurement volumes. At this point,
traditional short-term working capital may no longer
meet development needs. BOCHK offers a range of SME
financing solutions to support your steady growth
and business expansion.
Passing on Wealth to the Next Generation
The essence of business succession lies in
allocating assets effectively and growing them over
time—ensuring the business and wealth you have built
can be passed down through generations, while giving
the next generation greater flexibility to pursue
their ambitions.
Medical
With the growing demand for medical services, healthcare
businesses are seeking the next wave of digital
innovation. BOCHK understands the medical sector and
your business needs. We provide a comprehensive suite of
digital banking products and services to support you at
every stage of development.
1) Business Setup
Opening a Company Account for Your Clinic
BOCHK Business Integrated Account can be opened in
as fast as 3 working days. Eligible customers can
open an account remotely online in for added
convenience. We also provide one-stop banking
services to help you optimise financial management,
improve operational efficiency, and enhance
cost-effectiveness.
Helping You Handle Contingencies at the Clinic
The BOC Business Comprehensive Insurance Plan
provides the essential protections needed by shops,
such as contents and equipment, business
interruption, and public liability cover. Optional
coverages, such as employees' compensation, can also
be added—helping you launch your business with peace
of mind.
2) Daily Operations and Cash Flow
Electronic Payment
BoC Bill Integrated Billing Solutions support a wide
range of electronic payment methods and include
financial management features such as refunds and
reconciliation, making day-to-day operations more
efficient.
Payroll Service
BOCHK Corporate Payroll Service offers a one-stop
online solution for payroll and tax filing, with
same-day salary payments via online
banking—significantly reducing payroll
administration costs.
3) Business Expansion
Medical Equipment Procurement / Scaling
Flexible financing is vital to business growth.
BOCHK offers an array of loan solutions to meet
different business needs.
Optimizing Your Surplus Funds
As your clinic continues to grow, operating
surpluses will gradually accumulate. We recommend
allocating a portion of your funds to stable medium-
to long-term investments. Sound financial planning
can help you achieve capital appreciation while
diversifying financial risks and strengthening
overall resilience.
Passing on Wealth to the Next Generation
The essence of business succession lies in effective
asset allocation and long-term wealth
growth—enduring that the clinic you built, and the
wealth you have accumulated, can be passed down
through generations. It also gives the next
generation greater flexibility and room to pursue
their aspirations.
Innovation & Technology
As Hong Kong's innovation and technology sector
continues to thrive, BOCHK works alongside startups and
innovation-driven enterprises, providing comprehensive
digital banking services and financing solutions. This
helps you build a competitive edge and expand beyond the
local market.
1) Business Setup
Opening a Company Account for Your Business
The Business Lite Account is tailored for startups,
offering a faster and simpler account opening
process with monthly service fee waiver. You can
enjoy immediate access to local transfers,
cross-border remittances, and currency exchange,
with iGTB NET Corporate Internet Banking and monthly
e-Statements.
Helping You Handle Contingencies at the Office
The BOC Business Comprehensive Insurance Plan
provides the essential protections needed by
offices, such as contents and equipment, personal
accident, and public liability cover. Optional
coverages, such as employees' compensation, can also
be added to suit your business needs.
2) Business Operation
Talent Acquisition and Retention
Corporate medical benefits are a core strategy for
attracting and retaining talent. BOCHK offers Group
Medical Insurance for companies, corporations, or
organisations, providing cover for employees and
their family members against medical fees and
charges incurred due to hospitalisation and
outpatient treatment arising from injury or
sickness.
Monthly Salary and Allowance Payments
BOCHK Corporate Payroll Service offers a one-stop
online solution for payroll and tax filing, with
same-day salary payments via online
banking—significantly reducing payroll
administration costs.
3) Business Expansion
Enhancing Technology, Product Features and Market
Expansion
Flexible financing is vital to business growth.
BOCHK offers an array of loan solutions to meet your
diverse business needs.
Related Products & Promotional Offers
Loan
Flexible SME loans for faster financing needs
BOC Commercial Card
Better control on spending, higher cash flow and various
spending privileges
BoC Bill Integrated Billing Service
Integrated billing service for online and offline payments
Deposit
Eligible customers can enjoy up to 3% new fund savings
deposit rate and account application fee waiver (original
HK$1,200)
Investment
Diversified investment services to appreciate your funds
with higher potential returns
Insurance
Offer SME full protection and hassle-free so you can focus
on expanding your business hassle free
Online Remittance
Immediate online telegraphic transfer and local interbank
transfer in all major settlement currencies with ease
Foreign Exchange
A series of FX and hedging solutions, 24x7 FX exchange
platform and latest market news
Useful Information
Corporate Customer Service Hotline
Contact us
+852 3988 2288
+852 3988 2288
The above products, services and offers are subject to the
relevant terms and conditions.
Reminder: To borrow or not to borrow? Borrow only if you can repay!
FX/RMB trading involves risks and is subject to the bid-ask spread.
Reminder: To borrow or not to borrow? Borrow only if you can repay!
FX/RMB trading involves risks and is subject to the bid-ask spread.
Foreign currency investments are subject to exchange rate
fluctuations, which may create both opportunities and risks.
If the customer converts foreign currency into Hong Kong
dollars or other foreign currencies, losses may result due
to exchange rate movements. Currency exchange is also
subject to costs, i.e. the spread between the buying and
selling rates of the relevant currencies.
RMB investments are subject to exchange rate fluctuations,
which may create both opportunities and risks. If the
customer converts RMB into HKD or other foreign currencies,
losses may result due to exchange rate movements. Currency
exchange is also subject to costs, i.e. the spread between
the buying and selling rates of RMB.
(Only applicable to corporate customers) RMB is currently not fully freely convertible. Corporate customers who intend to convert RMB through banks may, from time to time, not be able to complete the conversion in full or immediately, subject to the banks' RMB position and their commercial decisions at the relevant time. Customers should consider and understand in advance the possible impact on their RMB liquidity.
(Only applicable to corporate customers) RMB is currently not fully freely convertible. Corporate customers who intend to convert RMB through banks may, from time to time, not be able to complete the conversion in full or immediately, subject to the banks' RMB position and their commercial decisions at the relevant time. Customers should consider and understand in advance the possible impact on their RMB liquidity.
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