The "Prudent-return" Series are RMB financial products issued by Hua Xia Bank to individual investors. The return of the product is backed by T-bonds, policy financial bonds, and Central Bank bills traded on interbank bond market, or is backed by corporate bonds or trust products guaranteed by the financial institutions.

  The Centralized Payment Express refers to the cash management service where the payer pays to multiple payees through Hua Xia Bank, either at the counter or via Internet banking, it works by providing a payment list and relevant payment proofs.