Deposits for small businesses
Manage your RMB with an interest-earning, flexible savings account that gives you easy access to your funds.
A simple and flexible account that lets you earn extra interest if your account balance is RMB500,000 or more.
Our RMB Call Deposits allows you to earn higher interest rates than a regular savings account, turning your short-term idle funds into more cash.
Our RMB Time Deposits assure you fixed returns on your deposits over a period that suits you.
Manage multiple currencies, earn interest, and make payments and collections with our flexible foreign currency savings account.
Our time deposit accounts offer competitive interest rates on a range of currencies for your chosen term, allowing you to gain returns from your idle foreign currency deposits.
Loans for small businesses
Find a lending product that fits your business. From short term expenses to long term growth, we’ve got a range of products based on your personal and business circumstances. We provide all the advice you need on fees and legal information upfront, to make your lending decisions easier, with quicker approval for your application.
We give you the flexibility to manage your funds easily and efficiently. You can ask for a drawdown as long as the total drawdown amount does not exceed the approved limit.
Fixed monthly instalments reduce the pressure of a one-off repayment at maturity.
Whether you're expanding your business through the purchase of fixed assets, such as machinery, or acquiring self-use commercial property, we're here to support you with our fixed asset loan for a term of up to 5 years.
Transfers and Remittances for small businesses
Submit smart forms at our branches and make local remittances via HSBCnet with ease. Enjoy same-day payment clearance when processed through the People's Bank of China's electronic clearing system.
Create cross-border transfer instructions via HSBCnet in a few easy steps, or submit smart forms at our branches. We support major currencies, including RMB, USD, HKD, EUR and GBP.
HSBC China is a participant of the high-value payment system and the bulk electronic payment system managed by the People's Bank of China. HSBC Group's members in major overseas markets provide clearing services to HSBC China and ensure that customers receive international payments promptly through their accounts.
Investment for small businesses
Dual Currency Investment (DCI) is a short-term investment product that gives you the opportunity to potentially gain higher returns on your investment in currency markets by linking the performance of currency pairs. This product is a non-capital-protected structured investment.
Are you a cautious investor who doesn't mind some fluctuations in the value of your investment returns, but still wants to protect your capital investment? Then you can consider our Enhanced Yield Investment (EYI) product, which is linked to the performance of foreign exchange rates. This product is 100% capital protected at maturity.
Capture global investment opportunities with our structured products, which are designed to minimise risk and optimise your returns. We help you take charge of your finances by providing you with diversified options, improved returns and stable risk profiles.
HSBC Insurance for small businesses (sales agents)
Indemnify the Insured in respect of the physical loss of or damage to the property insured during the period of insurance within the specified work site arising from any Natural Hazard or Accident.
Cover financial loss as gross profit after interruption of your business resulting from accident or natural hazard covered by Property All Risks during agreed indemnity period.
Cover loss of cash, check, securities that is kept in the safe or strongroom due to robbery by actual force and violence happened in the premise.
Indemnify the Insured against such sums which the Insured shall become legally liable to pay as damages in respect of death of or bodily injury to third parties, or loss of or damage to property belonging to third parties in consequence of an accident occurring in direct connection with the performance of the work and happening on or in the vicinity of the premises stated in the Schedule during the period of insurance.
Indemnify the Insured’s legal liability including lawsuit fees in respect of death or bodily injury by accident, through occupational disease or work-related injuries caused during the period of insurance to any employee or employees whilst being engaged, in the course of employment by the Insured, in the work connected with the Insured’s trade as stated in the Policy.
This policy covers you for reasonable and necessary medical expenses incured by accidents or diseases covered by the plan during the insurance period.
Foreign exchange and ways to bank for small businesses
Fusion customers can enjoy fast and convenient foreign currency exchange services on HSBCnet and at our branches.
HSBC Fusion makes banking quick, easy and secure for you. Simply log on with your computer or mobile device, call us via our phone banking service or visit us at our branches.