Weifang Rural Commercial Bank provides 24-hour manual service.

The 24-hour manual service hotline of rural commercial banks can call 95588 for consultation. The profit channels of banks include loans, bank insurance, sales of wealth management fund products, sales of financial equipment, consumption profit of financial intelligent terminal business, hedging business, bill business and so on.

The profit ratio of most domestic banks is: loan 30%, bank insurance 10%, wealth management fund product sales 10%, financial instrument sales 5%, financial intelligent terminal business consumption 30%, hedging business 5%, bill business 10% and so on. The profit ratio of foreign banks is: loan 15%, bank insurance 15%, wealth management fund product sales 15%, financial instrument sales 10%, financial intelligent terminal business consumption profit 35%, hedging business 5%, bill business 5% and so on.

On February 24th, 20 16, the media reported that seven of the six listed banks in/kloc-0 had handed in their transcripts last year, and the general net profit continued to decline. According to the performance report, in 20 15, the net profit attributable to shareholders of the parent company was 271610 million yuan, that is to say, seven banks earned 744 million yuan every day last year. Although this figure is still outstanding in various industries, the continued decline in profit growth is still the future trend. Compared with 20 14, the growth rate of net profit of seven banks has declined to varying degrees, the growth rate of net profit of six joint-stock banks has dropped to single digits, and the growth rate of net profit of China Merchants Bank, Industrial Bank, Huaxia Bank, China CITIC Bank and Shanghai Pudong Development Bank has dropped by more than half. The growth rate of CITIC Bank's net profit was the lowest, only 1. 15%. Only Nanjing Bank, as a city commercial bank, maintained a double-digit performance, reaching 24.86%.

As the absolute core of China's financial system, the banking industry has always maintained a healthy and stable operation. Undeniably, affected by the financial crisis and domestic economic restructuring, the domestic banking industry is facing a series of profound challenges that cannot be ignored. However, in the post-financial crisis era, China's banking industry is still facing an extremely complicated external operating environment.

Global economic integration and the uncertainty of economic and financial environment also make the risks faced by commercial banks present new characteristics such as complexity, suddenness, proliferation and rapid spread. In terms of market competition, with the development of financial market and the continuous improvement of openness, the competition pattern, competition space and competitors faced by large banks have undergone and are continuing to undergo profound changes.

legal ground

People's Republic of China (PRC) Commercial Bank Law

Article 1 This Law is formulated for the purpose of protecting the legitimate rights and interests of commercial banks, depositors and other customers, standardizing the behavior of commercial banks, improving the quality of credit assets, strengthening supervision and management, ensuring the steady operation of commercial banks, maintaining financial order and promoting the development of socialist market economy.

Article 13 The minimum registered capital for the establishment of a national commercial bank is 10 billion yuan. The minimum registered capital for establishing city commercial banks is 1 100 million yuan, and the minimum registered capital for establishing rural commercial banks is 50 million yuan. Registered capital shall be paid-in capital.

The banking supervision institution of the State Council may adjust the minimum registered capital according to the needs of prudential supervision, but it shall not be lower than the limit specified in the preceding paragraph.