Zhang Xiao, female, Han nationality, is a native of Pucheng, Shaanxi Province. She was born in 1936, received higher education, and joined the CPC in 1980.
A former president of the Industrial and Commercial Bank of China, Zhang has also served as the vice-chairman of the International Saving Banks Institute. In 1994, she was elected a council member of the institute.
In 1998, Zhang became a standing committee member of the 9th NPC. He also was a member of the financial and economic committee of the 9th NPC.