---
title: "Changsha Rural Commercial Bank Co.,ltd. SWIFT/BIC code CUCDCNBCXXX · China | Elucidate"
description: "SWIFT/BIC code CUCDCNBCXXX for Changsha Rural Commercial Bank Co.,ltd., China. Head-office BIC, LEI 300300C1113243000093, addresses and Swift connectivity."
url: https://elucidate.co/directory/changsha-rural-commercial-bank-co-ltd-cucdcnbc
---
1. [Directory](https://elucidate.co/directory)
2. [China](https://elucidate.co/directory/country/cn)
3. Changsha Rural Commercial Bank Co.,ltd.
China · Financial institution
# Changsha Rural Commercial Bank Co.,ltd.
Legal name in the LEI record 长沙农村商业银行股份有限公司
Changsha Rural Commercial Bank Co., Ltd. is a joint-stock rural commercial bank headquartered in Changsha, Hunan Province, China. According to China Chengxin International (CCXI), Hunan provincial and Changsha municipal state-owned companies held 42.52% of its shares at the end of 2025. It provides deposits, loans, settlement and agency services, mainly in urban Changsha. It focuses on rural, small-business, community and public-sector customers. It was formed from Hunan Wangcheng Rural Commercial Bank and four Changsha rural cooperative banks, with approval in July 2016, and opened on 12 September 2016.
BIC **CUCDCNBCXXX** LEI **[300300C1113243000093](https://search.gleif.org/#/record/300300C1113243000093)** Licence no. **Not on a tracked register** Connected to Swift Head-office BIC only [**1** correspondent account](https://elucidate.co/directory/changsha-rural-commercial-bank-co-ltd-cucdcnbc#correspondents) [Claim this profile](https://elucidate.co/directory/changsha-rural-commercial-bank-co-ltd-cucdcnbc#claim)
## Licences and registrations
Matched by LEI on the 22 tracked registers
None matched by LEI in the 22 tracked registers.
- The tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
## Swift network
Swift’s ISO 9362 BIC directory
- **BIC:** CUCDCNBCXXX head office
- **Connection to Swift:** Connected to Swift
- **Swift GPI:** Not on the member list
- **Payment schemes and systems:** No entry in the EPC registers, the ECB T2 and TIPS lists or the SIX Bank Master cites this BIC
- **Branch codes:** None: head-office BIC only
- **BIC first registered:** 2019-05-25
- **Last updated:** 2025-09-13
## Overview
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/changsha-rural-commercial-bank-co-ltd-cucdcnbc#overview-sources)
Total assets
CNY 201bn
Group · 31 Dec 2025 · [annual report ↗](https://www.chinamoney.com.cn/dqs/cm-s-notice-query/fileDownLoad.do?contentId=3376272&priority=0&mode=save)
Employees
Not published
Ownership
Mixed ownership
Institution type
Commercial bank
Trades as 长沙农商银行 (Changsha Rural Commercial Bank)
- **Standing:** The GLEIF database shows the bank's Legal Entity Identifier (LEI) registration as lapsed. The entity status is shown as active.
- **Ownership:** No shareholder controls the bank: at the end of 2025 state-owned legal persons held 44.14% in total, and the largest single holder had 10%.
- **Major shareholders:** 长沙先导产业投资有限公司 (Changsha Xiandao Industrial Investment Co., Ltd.) 10% · 31 Dec 2025 湖南盐业集团有限公司 (Hunan Salt Industry Group Co., Ltd.) 8% · 31 Dec 2025 现代投资股份有限公司 (Modern Investment Co., Ltd.) 7% · 31 Dec 2025 长沙房产（集团）有限公司 (Changsha Real Estate (Group) Co., Ltd.) 5% · 31 Dec 2025
- **Head office:** 芙蓉南路一段439号 (439 First Section of Furong South Road), Tianxin District, Changsha, China
### Business lines
- Retail banking
- SME banking
- Corporate banking
- Mortgage lending
- Consumer finance
- Transaction banking & payments
- Cards
- Trade finance
The bank serves rural, small-business, community and public-sector customers, mainly in Changsha. According to CCXI, corporate loans made up 62.77% of its loan book at the end of 2025.
### Online
- **Websites & references:** [crcbbank.com ↗](https://www.crcbbank.com/) did not load when checked
- **Official social accounts:** None found
Sources · 9 pages consulted
1. [chinamoney.com.cn/dqs/cm-s-notice-query/fileDownLoad.do?contentId=3376272&priority=0&mode=save](https://www.chinamoney.com.cn/dqs/cm-s-notice-query/fileDownLoad.do?contentId=3376272&priority=0&mode=save)
2. [crcbbank.com/](https://www.crcbbank.com/)
3. [crcbbank.com/crcb/2025-03/30/article\_2025033011274626334.shtml](https://www.crcbbank.com/crcb/2025-03/30/article_2025033011274626334.shtml)
4. [crcbbank.com/crcb/2025-03/30/article\_2025033011301872514.shtml](https://www.crcbbank.com/crcb/2025-03/30/article_2025033011301872514.shtml)
5. [crcbbank.com/crcb/gsyw/gjyw/gjywhklj/](https://www.crcbbank.com/crcb/gsyw/gjyw/gjywhklj/)
6. [chinamoney.com.cn/dqs/cm-s-notice-query/fileDownLoad.do?contentId=3232518&priority=0&mode=save](https://www.chinamoney.com.cn/dqs/cm-s-notice-query/fileDownLoad.do?contentId=3232518&priority=0&mode=save)
7. [news.qq.com/rain/a/20250409A04MFD00](https://news.qq.com/rain/a/20250409A04MFD00)
8. [finance.sina.com.cn/roll/2025-04-08/doc-inesqrfi5935840.shtml](https://finance.sina.com.cn/roll/2025-04-08/doc-inesqrfi5935840.shtml)
9. [cyfz.csmls.gov.cn/jrPortal/organDetail?orgId=91430100MA4L6AXL5Y](https://cyfz.csmls.gov.cn/jrPortal/organDetail?orgId=91430100MA4L6AXL5Y)
## Leadership
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/changsha-rural-commercial-bank-co-ltd-cucdcnbc#overview-sources)
- **Chief executive:** Huang Zhiguo (黄治国) Vice Chairman and President (副董事长、行长) Confirmed 29 Sep 2026 · [crcbbank.com ↗](https://www.crcbbank.com/crcb/2025-03/30/article_2025033011301872514.shtml)
- **Chair:** Deng Laifa (邓来发) Chairman (董事长) and legal representative Confirmed 29 Sep 2026 · [crcbbank.com ↗](https://www.crcbbank.com/crcb/2025-03/30/article_2025033011274626334.shtml)
## Supervisors & regulators
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/changsha-rural-commercial-bank-co-ltd-cucdcnbc#overview-sources)
- **China:** National Financial Regulatory Administration (Hunan Office) Prudential supervisor Conduct
- **China:** People's Bank of China Central bank AML supervisor
- **China:** State Administration of Foreign Exchange Foreign exchange
## Recent events
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/changsha-rural-commercial-bank-co-ltd-cucdcnbc#overview-sources)
1. Mar 2025
Leadership
The Hunan office of the National Financial Regulatory Administration approved Deng Laifa as chairman and Huang Zhiguo as president. Both took office on 25 March 2025.
[crcbbank.com ↗](https://www.crcbbank.com/crcb/2025-03/30/article_2025033011274626334.shtml)
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, incidents, leadership changes, mergers and licence changes. Each links to its source.
## Identifiers
Head-office record
- **BIC:** CUCDCNBCXXX
- **How the BIC breaks down:** 1. CUCD Bank 2. CN Country · China 3. BC Location 4. XXX Branch · head office
- **Branch description:** Not recorded in the directory
- **LEI:** 300300C1113243000093
- **LEI record:** [View on GLEIF ↗](https://search.gleif.org/#/record/300300C1113243000093)
- **How the LEI was matched:** BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.
## Profile
- **Type:** Financial institution
- **Regulation:** Not on a tracked register
- **Register licences:** None matched by LEI in the 22 tracked registersThe tracked registers cover payment, e-money, crypto and money-service firms in 37 countries. Bank licences from national supervisors are not tracked.
- **Country · region:** China · East Asia & Pacific
- **Trading venues (MIC):** No MIC registered under this LEI list of 2026-09-17
- **OFAC sanctions:** No listing cites this BIC
- **EU sanctions:** No listing matched this BIC or its LEI
- **Country sanctions:** No country programme
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
No licence or registration was found for this entity on the 22 registers the directory tracks, or on the ECB and FSB bank lists. Most banks are licensed by national supervisors whose registers are not tracked yet. This does not mean that the institution is unregulated.
## Ownership and group
GLEIF relationship records
GLEIF’s relationship records name no parent for this LEI, and no group page is published for it.
## Addresses
- **Registered address:** 439 FIRST SECTION OF FURONG SOUTH ROAD CHANGSHA, TIANXIN DISTRICT 410004 CHINA
- **Operational address:** 439 FIRST SECTION OF FURONG SOUTH ROAD CHANGSHA 410004 CHANGSHA CHINA
## ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- **Identified by:** BIC, with its LEI
- **Roles in CBPR+:** Any agent, including the instructing and instructed agents
### CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
```xml
CUCDCNBCXXX
300300C1113243000093
```
### Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
```xml
CUCDCNBCXXX
300300C1113243000093
CHANGSHA RURAL COMMERCIAL BANK CO.,LTD.
CHANGSHA
CN
439 FIRST SECTION OF FURONG SOUTH ROAD CHANGSHA
TIANXIN DISTRICT 410004
```
The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
## Network
### Correspondent banking
The bank publishes 1 account at other banks.
### Correspondent accounts
Researched 29 Sep 2026 · [Sources](https://elucidate.co/directory/changsha-rural-commercial-bank-co-ltd-cucdcnbc#overview-sources)
1 account at other banks, in 1 currency, for USD payment route (field 56A intermediary), as the bank publishes them: [crcbbank.com ↗](https://www.crcbbank.com/crcb/gsyw/gjyw/gjywhklj/)
| Currency | Correspondent | BIC | Account | Directory check |
| --- | --- | --- | --- | --- |
| USD | BANK OF CHINA ,HUNAN BRANCH | — | — | No BIC published |
The bank publishes a 'Route of payment' page (国际业务汇款路径) under Corporate Business > International Business. The page could not be fetched because the domain is blocked. The only part seen, in a search snippet, is the USD route naming BANK OF CHINA, HUNAN BRANCH as intermediary in field 56A. No BIC or account number was visible, so the list is incomplete. Other currencies and the RMB route may be listed on the page. Each correspondent BIC is checked against the Swift directory: a BIC missing from it, or registered to a differently named bank, may be a typo or out of date. Confirm settlement instructions with the bank before relying on them.
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[See every BIC in China →](https://elucidate.co/directory/country/cn#bics)
Claim this profile
## Work at Changsha Rural Commercial Bank Co.,ltd.?
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1. 01 **Submit** Tell us who you are, using your work email.
2. 02 **We verify** We check the email domain and confirm your role with the bank. This usually takes up to five business days.
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Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
The sanctions facts on this page cover the BIC and its LEI only.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
[Read the methodology →](https://elucidate.co/directory/methodology)
Credits for this page
- **Overview, leadership, regulators and events**—researched per institution by an AI model with web search, from the institution's own website and reports, regulators, company registers and news. Figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
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Licence and registration data are drawn from the public registers of the regulators named on each page and shown for information only; the official register is always the authority. LEIs and ownership are from GLEIF. Directory and gpi data are drawn from SWIFT's public sources. SWIFT, Swift gpi and UETR are trademarks of S.W.I.F.T. SC, Avenue Adèle 1, 1310 La Hulpe, Belgium. Elucidate is not affiliated with, endorsed by or sponsored by SWIFT or any regulator named here. Elucidate does not provide payment or other financial services.