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創立於上海,秉持「處處為您著想」的服務理念,以社會及顧客需求為導向,不斷求新求變,創造領導性的金融服務,本行首創的「一元開戶儲蓄存款」、「單一櫃員制」、「小額信用貸款」等等,深受社會大眾的歡迎和信賴,而在抗戰前發展成為全國最大的民營銀行之一。
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