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As soon as the private pension program was promoted nationwide in mid-December, Yuan Jinwen, 36, an interior designer in Shanghai, started her research, looking for the bank providing the best incentive or bonus plans for new clients opening such accounts. Most banks reward such new clients with shopping cards or lucky draws, which may include very alluring cash returns. After doing her homework over a period of a week, Yuan chose Bank of China Shanghai branch. As she explained, China Construction Bank and Industrial and Commercial Bank of China both provided higher rewards, respectively 676 yuan ($93) and 876 yuan at the most. But BOC finally won her heart because of "a higher bottom line", as it could provide at least 154 yuan in reward for a new client, which is higher than the minimum level of the above two banks. ▲ People line up outside a Bank of Shanghai branch to receive their pensions in Shanghai on Feb 6. China Daily Although the four State-owned commercial banks were Yuan
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