Commercial Finance
Commercial finance serves as a key component of the "three pillars" within Bailian Group's "One Core, Three Pillars" industrial system. Centered around three core subsidiaries—Shanghai Securities Co., Ltd., Bailian Financial Services Co., Ltd., and Bailian Group Finance Co., Ltd.—the sector leverages business synergy and resource sharing to jointly build Bailian Group's integrated financial service ecosystem encompassing "wealth management, consumer finance, and industrial finance."
In the securities services sector, Shanghai Securities Co., Ltd., as the flagship entity of Bailian Group’s financial segment, has established a nationwide financial services network over more than two decades of development. Leveraging its strong capital base, Shanghai Securities operates through one futures subsidiary, eight branches, and more than 70 securities outlets, forming a strategic footprint centered in Shanghai and extending across major economic regions, including the Yangtze River Delta, Pearl River Delta, and the Beijing–Tianjin–Hebei region.
Guided by its core principles of openness, inclusiveness, compliance, and synergy, the company has focused on building a differentiated wealth management offering and established a comprehensive financial services platform covering securities brokerage, investment banking, asset management, and other core businesses.
At the same time, Shanghai Securities continues to advance financial technology innovation, enhancing service capabilities through intelligent investment advisory tools and data-driven marketing, thereby further strengthening its brand value and market competitiveness.
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20 Years of ExperienceAfter over two decades of development
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1 家Futures Subsidiary
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8 家Branch Office
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70+ 家Business Office
In the consumer finance sector, Bailian Financial Services Co., Ltd. leverages the commercial ecosystem advantages of Bailian Group to build a distinctive consumer finance ecosystem. With years of deep industry expertise, Bailian Financial Services has established a dual-drive model centered on third-party payment and prepaid card businesses. Its subsidiary, Anfu Bao Payment Co., Ltd., maintains a long-term leading position in the industry with its multi-purpose "OK Card." At the same time, leveraging Bailian Group's extensive commercial scenario resources, single-purpose prepaid cards have comprehensively covered consumption scenarios such as department stores and supermarkets, achieving seamless integration between online and offline channels. In recent years, Bailian Financial Services has accelerated its digital transformation efforts, focusing on developing digital rights-based products and services. By empowering commercial scenario innovation through payment technology, the company continues to strengthen its core capabilities of "serving commerce and promoting consumption."
In the field of comprehensive financial services, Bailian Group Finance Co., Ltd. serves as a key platform for the Group’s industry–finance integration, leveraging the professional strengths of a non-bank financial institution. Closely aligned with Bailian Group’s “One Core, Three Pillars” industrial framework, and guided by two strategic focus areas—centralized capital management and professional financial services—the company has established a comprehensive financial services platform encompassing centralized fund management, settlement services, credit and financing, as well as investment and wealth management.
Bailian Group Finance continues to strengthen its treasury management capabilities, providing customized financial solutions to member enterprises across the Group, while actively advancing digital transformation to significantly enhance capital efficiency and operational effectiveness.
Looking ahead, the commercial finance segment will further deepen digital transformation, strengthen cross-business synergy and innovation, and elevate service capabilities through technology enablement. The Group will continue to build a coordinated and complementary development framework across its three core areas—securities services, consumer finance, and comprehensive financial services—to support sustainable growth of the overall financial ecosystem.
