Hua Xia Bank Co., Limited is a commercial bank that offers financial services to both corporate and individual clients. The Bank's business operations include taking in deposits from the general public; granting short-term, medium-term and long-term loans; handling domestic and foreign settlements; handling the acceptance and discounting of negotiable instruments; issuing financial bonds; acting as an agent for the issue, honoring and underwriting of government bonds; buying and selling government bonds and financial bonds; engaging in interbank lending; buying and selling foreign exchange and acting as an agent for the purchase and sale of foreign exchange; engaging in the business of bank cards; providing letter of credit services and guaranty; acting as an agent for the receipt and payment of money; providing safe deposit box services; as well as handling settlement and sale of foreign exchange. The Bank mainly operates its businesses in domestic markets.