In today’s rapidly evolving business landscape, digital transformation has become a critical driver for private enterprises seeking sustainable growth. With increasing competition and rising operational costs, companies are looking beyond traditional banking solutions toward integrated, tech-powered platforms that deliver real value. Recognizing this shift, Ningbo Bank Shenzhen Branch has pioneered a forward-thinking approach by launching three innovative digital service platforms: "Bobo Zhiliao," "Equipment Home," and "Better Life." These platforms are not just financial tools—they are comprehensive ecosystems designed to help businesses expand markets, reduce costs, upgrade equipment, and enhance employee welfare.
Together, these platforms represent a strategic leap in digital financial services, aligning with national policies supporting private sector development while addressing the practical needs of modern enterprises. By integrating financial expertise with cross-industry resources, Ningbo Bank is enabling businesses to thrive in an era defined by innovation and efficiency.
Bobo Zhiliao: A One-Stop Solution for Market Expansion and Cost Reduction
At the heart of Ningbo Bank’s digital strategy is Bobo Zhiliao, a holistic enterprise service platform designed to help companies “earn more, save more, and manage better.” The platform offers over 20 professional services—from overseas customer acquisition and energy management to legal consulting and ESG compliance—tailored to solve real-world business challenges.
Take the case of Shenzhen BS Electronics, a leading manufacturer of digital accessories. Facing annual energy costs exceeding $700,000 USD, the company partnered with Bobo Zhiliao to implement an intelligent energy management system. By installing smart meters at a minimal cost of under $4,200, they achieved annual electricity savings of nearly $28,000—achieving payback in just two months. This success story exemplifies the power of **smart utilities integration**, a core feature of Bobo Zhiliao that has already helped over 1,200 organizations cut utility expenses by 5%–20%, collectively saving $23.5 million and reducing carbon emissions by 260,000 tons.
👉 Discover how digital tools can unlock cost savings and global opportunities for your business.
For export-oriented firms, overseas market expansion is another key challenge. Bobo Zhiliao’s “Overseas Customer Assistant” feature empowers exporters with access to compliant data from over 200 countries, offering actionable insights into potential clients and competitor trade activities. For instance, LDSHB Energy, a leading Chinese manufacturer of energy-efficient lighting, used this tool to accelerate its international growth by identifying high-potential markets and optimizing its sales strategy.
In 2025, Bobo Zhiliao underwent a major upgrade, introducing eight new modules—including supply chain networking, cross-border e-commerce, and new media monitoring—alongside two dedicated centers for market intelligence and live-streaming commerce. These enhancements ensure businesses stay ahead in an increasingly digital and interconnected global economy.
Equipment Home: Revolutionizing Industrial Equipment Lifecycle Management
Responding to China’s nationwide push for industrial modernization and equipment upgrades, Ningbo Bank launched Equipment Home, the industry’s first full-ecosystem platform for industrial machinery. Designed to support the entire equipment lifecycle—from purchase and financing to resale and maintenance—the platform connects manufacturers, buyers, and service providers in a seamless digital marketplace.
With over 3,500 equipment suppliers and more than 150,000 registered users nationwide, Equipment Home has facilitated over $28 million in equipment transactions. In Shenzhen alone, over 150 vendors and 1,000 businesses have adopted the platform, completing more than 500 manufacturing-related service engagements.
One prominent Shenzhen-based machinery manufacturer struggled with limited market reach despite high-quality products. After joining Equipment Home, they gained access to targeted marketing tools such as homepage promotions, brand-exclusive zones, and live-streamed group-buying events. Within the first month, their store saw over 10,000 daily visits and generated more than 200 qualified sales leads—resulting in 17 confirmed deals.
The platform supports eight major equipment categories—including machining tools, plastic machinery, and metal forming systems—and features over 100,000 equipment models from 3,500+ brands. Beyond transactions, it offers value-added services like equipment financing, second-hand trading, bulk procurement of industrial supplies, and technical consulting—all aimed at lowering barriers to technological adoption for small and mid-sized manufacturers.
👉 See how digital marketplaces are transforming industrial procurement and asset management.
Better Life: Elevating Employee Welfare and Consumer Engagement
While many financial institutions focus solely on B2B services, Ningbo Bank takes a human-centered approach with its Better Life platform—a comprehensive benefits and lifestyle ecosystem for both consumers (To C) and enterprises (To B).
For individuals, Better Life delivers curated deals across five key lifestyle domains: clothing, dining, housing, transportation, and shopping. Partnering with over 10,000 brands and 50,000 retail outlets nationwide—including 1,200+ brands and 5,000+ stores in Shenzhen—the platform offers employees exclusive discounts on daily essentials and premium experiences.
But its impact goes beyond personal perks. For businesses, Better Life provides a modern solution for employee benefits distribution. Instead of traditional gift cards or cash allowances, companies can offer customizable digital benefit packages that improve satisfaction while maintaining budget control.
Consider YZYF Catering Group, a fast-growing restaurant chain. Through corporate internal purchase events hosted on Better Life, they reached thousands of employees across partner firms and generated over $163,000 in sales within six months. Similarly, JJSH Electric Shavers saw their flagship product achieve over $112,000 in platform-driven revenue since launch—demonstrating the platform’s power as both a benefits channel and a sales accelerator.
With dedicated programs like pop-up markets, brand collaboration weeks, and gourmet festivals, Better Life fosters deeper engagement between businesses and their workforce while simultaneously boosting local commerce.
Frequently Asked Questions (FAQ)
Q: What types of businesses benefit most from Bobo Zhiliao?
A: Manufacturing firms, exporters, energy-intensive industries, and SMEs looking to optimize operations through digital tools gain the most value—from cost reduction to market intelligence.
Q: Can startups access Equipment Home for affordable machinery solutions?
A: Yes. The platform supports leasing options, second-hand equipment sales, and financing partnerships specifically tailored for small and growing manufacturers.
Q: Is Better Life only available to large corporations?
A: No. The platform serves organizations of all sizes. Even small teams can use it to distribute flexible employee benefits and participate in group purchasing events.
Q: Are these platforms exclusive to Ningbo Bank customers?
A: While deeply integrated with the bank’s financial services, many features are accessible to non-clients through partnerships or trial access programs.
Q: How does Ningbo Bank ensure data security across these platforms?
A: All platforms comply with national cybersecurity regulations and use encrypted data transmission, role-based access controls, and regular third-party audits.
Q: Can businesses integrate these platforms with their existing ERP systems?
A: API integrations are available for select services, particularly in procurement, expense tracking, and employee benefits management.
Looking Ahead: Digital Finance as a Catalyst for Growth
As Ningbo Bank Shenzhen Branch continues to refine its digital offerings, its mission remains clear: to empower private enterprises through innovation-driven financial solutions. By combining deep industry insight with scalable technology platforms, the bank is not only supporting business transformation—it’s shaping the future of corporate banking in China.
These three platforms—Bobo Zhiliao for operational excellence, Equipment Home for industrial advancement, and Better Life for human-centric engagement—form a powerful triad that addresses the full spectrum of enterprise needs in the digital age.
👉 Explore how integrated digital platforms are redefining the future of business finance.
With strong alignment to national economic goals and a relentless focus on user value, Ningbo Bank sets a benchmark for how financial institutions can become true partners in enterprise growth—delivering not just capital, but capability.