Bank year-end settlement time

Banks abide by the fiscal year regulations of the Ministry of Finance, and the year-end closing date is 65438+February 3 1. General banks will measure the overall scale from the fourth quarter to meet the requirements of national credit scale control, and can make certain adjustments (such as collection, etc.). ) before the final accounts. In order to effectively ensure scale control, banks generally issue loans very cautiously at the end of the year.

Banks are one of the financial institutions. Banks are divided into central banks, policy banks, commercial banks, investment banks and the World Bank, with different responsibilities.

Central Bank: China People's Bank is the central bank of China.

State-owned policy banks: including The Export-Import Bank of China, China Agricultural Development Bank and China Development Bank.

State-owned commercial banks: including China Industrial and Commercial Bank, China Agricultural Bank, China Bank, China Construction Bank, China Postal Savings Bank and Bank of Communications.

Investment banks: including Goldman Sachs, Morgan Stanley, Citigroup, Wells Fargo, UBS Group AG, Societe Generale, etc.

World Bank: It is used to help countries overcome poverty. Various institutions play a unique role in alleviating poverty and improving living standards.

According to their functions, they can be divided into central banks, commercial banks, investment banks, savings banks and other professional credit institutions. They constitute a modern banking system with the central bank as the center, joint-stock commercial banks as the main body and all kinds of banks coexisting.

Since the 20th century, with the rapid development of international trade and international finance, a number of worldwide or regional banking organizations have been established around the world, such as the Bank for International Settlements established by 1930, the International Bank for Reconstruction and Development (World Bank) established by 1945, the International Finance Corporation established by 1956 and the International Finance Corporation established by 1964.

The asset scale and after-tax profit of China's banking industry have increased substantially year by year. 20 1 1 year, the profits realized by China's banking industry account for nearly one third of the total profits of the global banking industry. The scale of China's banking industry is developing rapidly, but under the background of accelerating interest rate marketization, intensifying internal and external competition and declining profit growth, banking financial institutions must make corresponding strategic adjustments in business structure, resource allocation and regional layout.

With the increasingly fierce competition in the banking industry, banking financial institutions pay more and more attention to the follow-up study of the industry development environment and market demand, especially the in-depth study of the banking business development environment and customer demand trends. Because of this, a large number of excellent domestic banking institutions have risen rapidly, gradually forming their own business characteristics and becoming the industry leader or rookie.