China · Financial institution
Hangzhou United Rural Commercial Bank Co.ltd.
Legal name in the LEI record杭州联合农村商业银行股份有限公司
Hangzhou United Rural Commercial Bank is a joint-stock rural commercial bank with its head office in Hangzhou, Zhejiang province. No shareholder controls it. Its largest holders are Hangzhou Financial Investment Group and state-owned companies of Zhejiang province. It provides retail, small business and corporate banking and holds controlling stakes in several village banks. It was set up in 2005 as a rural cooperative bank, merging a rural credit cooperative federation and 23 cooperatives, and became a rural commercial bank in 2011.
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
- URCBCN2HXXX head office
- Connection to Swift
- Connected to SwiftThis BIC is registered as a live address on the Swift network. The institution sends and receives Swift messages under URCBCN2H directly.
- Swift GPI
- Member, not yet live
- 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
- 2006-08-05
- Last updated
- 2022-02-14
Overview
Researched 29 Sep 2026 · Sources
Employees
Not published
Ownership
Mixed ownership
Institution type
Commercial bank
Trades as Hangzhou United Bank (杭州联合银行)
- Standing
- The bank is operating. The president post has been vacant since November 2025. Chairman Lin Shiyi has performed the president's duties on an interim basis since then.
- Ownership
- No shareholder controls the bank. Hangzhou Financial Investment Group holds 10%, Hangzhou Hangyang Holding 9.99% and Zhejiang Dongfang Holding Group 7.94% after an August 2026 approval.
- Major shareholders
- Hangzhou Financial Investment Group Co., Ltd. (杭州市金融投资集团有限公司) 10% · 31 Dec 2025
Hangzhou Hangyang Holding Co., Ltd. (杭州杭氧控股有限公司) 9.99% · 31 Dec 2025
Zhejiang Dongfang Holding Group Co., Ltd. (浙江东方控股集团股份有限公司) 7.94% · 26 Aug 2026 - Head office
- 99 Jianguo Middle Road (建国中路99号), Shangcheng District, 310009 Hangzhou, China
- Company register
- Unified Social Credit Code 91330100773585469H (Hangzhou Administration for Market Regulation); financial licence code B1149H233010001
- Former name
- Hangzhou United Rural Cooperative Bank (杭州联合农村合作银行)
Business lines
The bank organises its business in three segments: retail, corporate, and financial markets and asset management. It has 138 outlets, concentrated in the main urban districts of Hangzhou.
Online
- Websites & references
- urcb.com ↗ did not load when checked
Wikipedia ↗ - Official social accounts
- None found
Sources · 13 pages consulted
- money.finance.sina.com.cn/corp/view/vCB_AllBulletinDetail.php?stockid=600120&id=12344472
- urcb.com/urcb/gjyw/yxywxx/index.shtml
- urcb.com/urcb/gyyl1/gsgk/index.shtml
- m.21jingji.com/article/20260924/herald/bef5f20345590e0fc986e978480573d1.html
- news.qq.com/rain/a/20260829A0AJA000
- news.qq.com/rain/a/20260828A04KTX00
- news.qq.com/rain/a/20260921A0AOW000
- finance.sina.com.cn/tech/roll/2026-09-18/doc-inisftwz3540063.shtml
- sohu.com/a/1025774313_122014422
- sohu.com/a/1026040436_121010226
- finance.sina.com.cn/wm/2026-05-26/doc-inhzevat2339576.shtml
- news.qq.com/rain/a/20260112A063LM00
- zh.wikipedia.org/zh-hans/%E6%9D%AD%E5%B7%9E%E8%81%94%E5%90%88%E9%93%B6%E8%A1%8C
Leadership
Researched 29 Sep 2026 · Sources
- Chair & chief executive
- Lin Shiyi (林时益) Chairman; performing the duties of President on an interim basis (President post vacant)
- Executive
- Chai Leiying (柴雷鹰) Deputy Party Committee Secretary and Director (director qualification approved 16 September 2026; president qualification not yet approved)
- Executive
- Lin Feng (林峰) Vice President (qualification approved 16 September 2026)
Supervisors & regulators
Researched 29 Sep 2026 · Sources
- China
- National Financial Regulatory Administration (Zhejiang Office) Prudential supervisorConduct
- China
- People's Bank of China (Zhejiang Branch) Central bankAML supervisor
- China
- State Administration of Foreign Exchange Foreign exchange
Recent events 3 enforcement or investigation items
Researched 29 Sep 2026 · Sources
-
Enforcement
The People's Bank of China Zhejiang Branch fined the bank CNY 1.773 million for customer due diligence, suspicious-transaction reporting and unidentified-customer failings.
m.21jingji.com ↗ -
Leadership
The NFRA Zhejiang Office approved Chai Leiying as a director and Lin Feng as vice president. The president post remained vacant.
m.21jingji.com ↗ -
Other
The NFRA Zhejiang Office approved the transfer of 87,218,518 shares to Zhejiang Dongfang Holding Group, raising its stake to 7.94%.
news.qq.com ↗ -
Enforcement
The NFRA Zhejiang Office fined the bank CNY 11.1 million for inadequate loan management and inaccurate regulatory data reporting. It also sanctioned 16 individuals.
m.21jingji.com ↗ -
Leadership
The bank announced that Wen Yuan had ceased to be president. Chairman Lin Shiyi took on the president's duties pending regulatory approval of a successor.
news.qq.com ↗ -
Enforcement
The NFRA Zhejiang Office fined the bank CNY 1 million for imprudent structured-deposit business and inadequate working-capital loan management.
sohu.com ↗
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
- URCBCN2HXXX
- How the BIC breaks down
- URCBBank
- CNCountry · China
- 2HLocation
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 300300C1122733000040
- LEI record
- View on GLEIF ↗
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.
Profile
- Type
- Financial institutionClassified as a financial institution in Swift’s ISO 9362 BIC directory, with no licence on a tracked register. This includes banks that neither the ECB nor the FSB lists, as well as brokers, fund managers, insurers and market infrastructure.
- Regulation
- Not on a tracked registerNo licence or registration was found for this entity on the 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.
- 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
- 99 MIDDLE JIANGUO ROAD HANGZHOU 310003 CHINA
- Operational address
- 99 MIDDLE JIANGUO ROAD SHANGCHEN HANGZHOU 310003 HANGZHOU 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
<FinInstnId>
<BICFI>URCBCN2HXXX</BICFI>
<LEI>300300C1122733000040</LEI>
</FinInstnId>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
<FinInstnId>
<BICFI>URCBCN2HXXX</BICFI>
<LEI>300300C1122733000040</LEI>
<Nm>HANGZHOU UNITED RURAL COMMERCIAL BANK CO.LTD.</Nm>
<PstlAdr>
<TwnNm>HANGZHOU</TwnNm>
<Ctry>CN</Ctry>
<AdrLine>99 MIDDLE JIANGUO ROAD HANGZHOU 310003</AdrLine>
</PstlAdr>
</FinInstnId>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.
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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 →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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