China · Financial institution
Zhejiang e-Commerce Bank CO., Ltd.
Legal name in the LEI record浙江网商银行股份有限公司
Zhejiang E-Commerce Bank Co., Ltd., trading as MYbank, is a joint-stock private commercial bank based in Hangzhou, China. Ant Group initiated the bank, holds 30% and is its largest shareholder. The bank has no physical branches. It provides online credit, payment, settlement and wealth-management distribution services to small and micro businesses, individual operators and rural customers. The China Banking Regulatory Commission approved its establishment in May 2015, and the bank opened on 25 June 2015.
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
- ZHECCNBBXXX 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 ZHECCNBB directly.
- Swift GPI
- Live member
- 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
- 2019-07-27
- Last updated
- 2025-06-07
Overview
Researched 29 Sep 2026 · Sources
Employees
Not published
Ownership
Privately held
Institution type
Digital bank
Trades as MYbank (网商银行)
- Ownership
- Ant Group Co., Ltd. holds 30% and is the largest shareholder, followed by Wanxiang Sannong Group (22.87%), Ningbo Jinrun Asset Management (19.48%) and Shanghai Fosun Industrial Technology Development (13.00%).
- Major shareholders
- Ant Group Co., Ltd. (蚂蚁科技集团股份有限公司) 30% · 31 Dec 2025
Wanxiang Sannong Group Co., Ltd. (万向三农集团有限公司) 22.87% · 31 Dec 2025
Ningbo Jinrun Asset Management Co., Ltd. (宁波市金润资产经营有限公司) 19.48% · 31 Dec 2025
Shanghai Fosun Industrial Technology Development Co., Ltd. (上海复星工业技术发展有限公司) 13% · 31 Dec 2025 - Head office
- Floors 14-20, Building 8, Huanglong International Centre, 77 Xueyuan Road, Cuiyuan Subdistrict, Xihu District, 310013 Hangzhou, China
Business lines
The bank lends online to small and micro businesses, individual operators and farmers. It describes transaction banking, meaning cash management, settlement and the distribution of wealth-management products from bank wealth subsidiaries, as its "second growth curve".
Online
- Websites & references
- mybank.cn ↗
e.mybank.cn ↗ corporate online banking
mobilehelp.mybank.cn ↗ customer service centre
Wikipedia ↗ - Official social accounts
- None found
Sources · 15 pages consulted
- mybank.cn/indexspec.htm
- mybank.cn/about.htm
- render.mybank.cn/p/c/yearly-report
- chinamoney.com.cn/chinese/cwbg/20260622/3361655.html
- news.qq.com/rain/a/20260914A0B9I300
- m.mp.oeeee.com/a/BAAFRD0000202604281570510.html
- finance.sina.com.cn/roll/2026-04-29/doc-inhwckrq6852449.shtml?froms=ggmp
- finance.sina.com.cn/money/bank/gsdt/2026-04-29/doc-inhwattq8292299.shtml
- 21jingji.com/article/20260911/herald/d7454e97d7b241940cf3f3d87dc93a6f.html
- m.cnstock.com/commonDetail/654011
- 21jingji.com/article/20240816/herald/24e027e34461f79de5baa250b4c7914e.html
- m.163.com/dy/article/L18QKL9J0534A4SC.html?clickfrom=subscribe
- feng.ifeng.com/c/8wbQmENv3m6
- cbonds.com/company/268897/
- zh.wikipedia.org/zh-hans/%E7%BD%91%E5%95%86%E9%93%B6%E8%A1%8C
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
- Feng Liang (冯亮) President and Executive Director
- Chair
- Jin Xiaolong (金晓龙) Chairman
Supervisors & regulators
Researched 29 Sep 2026 · Sources
- China
- National Financial Regulatory Administration (Zhejiang Office) Prudential supervisorConduct
- China
- People's Bank of China Central bankAML supervisor
Recent events 3 enforcement or investigation items
Researched 29 Sep 2026 · Sources
-
Leadership
The NFRA Zhejiang Office approved Ma Xiaohang's qualification to serve as the bank's chief information officer.
feng.ifeng.com ↗ -
Leadership
The NFRA Zhejiang Office approved Xu Honghui's qualification to serve as the bank's vice president.
m.163.com ↗ -
Enforcement
The NFRA Zhejiang Office fined the bank CNY 1.3 million for violations including attracting deposits through rebates in 2024.
m.cnstock.com ↗ -
Other
The bank took on three new shareholders through share transfers, the first change to its shareholder list since it was founded.
finance.sina.com.cn ↗ -
Enforcement
The regulator fined the bank CNY 1.05 million for inadequate loan checks and weak management of outsourced debt collection.
news.qq.com ↗ -
Enforcement
The NFRA Zhejiang Office fined the bank CNY 7.35 million for 13 violations, including late reporting of criminal cases and unapproved related-party transactions.
21jingji.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
- ZHECCNBBXXX
- How the BIC breaks down
- ZHECBank
- CNCountry · China
- BBLocation
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 300300C1302533000096
- 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
- 8 HUANG LONG INTERNATIONAL CENTRE 77 XUE YUAN ROAD HANGZHOU 310000 CHINA
- Operational address
- HUANG LONG INTERNATIONAL CENTRE FLOOR 8 77 XUE YUAN ROAD HANGZHOU 310000 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>ZHECCNBBXXX</BICFI>
<LEI>300300C1302533000096</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>ZHECCNBBXXX</BICFI>
<LEI>300300C1302533000096</LEI>
<Nm>ZHEJIANG E-COMMERCE BANK CO., LTD.</Nm>
<PstlAdr>
<TwnNm>HANGZHOU</TwnNm>
<Ctry>CN</Ctry>
<AdrLine>8 HUANG LONG INTERNATIONAL CENTRE 77 XUE YUAN ROAD HANGZHOU 310000</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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