What are the specific types of commercial banks in China?

What are the specific types of commercial banks in China? 1, 4 state-owned commercial banks (Bank of China, Agricultural Bank, Industrial and Commercial Bank of China and China Construction Bank), 12 joint-stock commercial banks (Bank of Communications, CITIC, Huaxia, China Merchants, China Everbright, Minsheng, Pudong Development Bank, Shenzhen Development Bank, Bohai Sea, Guangfa, Xingye, Zheshang and Postal Savings Bank),/kloc-0

2. "Commercial bank" is a free translation of English commercial bank. On the issue of defining this concept, Chinese and western formulations are different.

3. We believe that the definition of a commercial bank should include the following points: first, a commercial bank is an intermediary institution for issuing and receiving credit; Second, commercial banks are enterprises whose purpose is to obtain profits; Third, commercial banks are the only financial organizations that can provide "bank currency" (demand deposits). Generally speaking, the concept of commercial banks can be understood as follows: commercial banks are money-operated enterprises whose main business is industrial and commercial deposits and loans, and whose purpose is to obtain profits. This definition method is actually a generalization of the definition of commercial banks by Chinese and western scholars.

What are the types of commercial bank loans in China according to customer types? 1. Loans from state-owned and state-holding enterprises.

2. Collective enterprise loans.

3. Private enterprise loans.

4. Individual industrial and commercial loans.

What are the intermediary businesses of commercial banks? Bill discount, payroll, fund custody, insurance product agency, etc. All intermediary businesses are not run with their own assets, but charge fees to create profits for banks.

What are the commercial banks in China? Except the People's Bank of China (hereinafter referred to as the Central Bank), all other banks in China are commercial banks. There are five state-owned banks (China, Industry, Construction, Agriculture and Communications) and small local commercial banks (such as Bank of Beijing, Bank of Bank of Ningbo and Bank of Nanjing).

What is the specific definition of China's commercial banks? Commercial banks are the most commonly used banks for individuals, enterprises and institutions. There are many kinds of banks, such as central banks, commercial banks, investment banks, policy banks, savings offices, credit cooperatives and so on. The purpose, function, management, business scope, business subject, service object and risk tolerance of different banks are very different, even completely different, so it is impossible to generalize. The main business scope of commercial banks includes absorbing deposits from the public, enterprises and institutions, issuing loans, discounting bills and intermediary business. It is a savings institution, not an investment institution.

Basic definition

The concept of "commercial banks" was originally used because such banks only engaged in "commercial" short-term lending business in the early stage of development. Generally speaking, the loan period does not exceed one year, and the loan target is generally merchants and import and export traders. People call this kind of bank whose basic business is to absorb short-term deposits and issue short-term commercial loans a bank. China's commercial banks refer to enterprise legal persons established in accordance with People's Republic of China (PRC) Commercial Bank Law and People's Republic of China (PRC) Company Law to absorb public deposits, issue loans and settle accounts.

Commercial banks in China mainly include:

Five state-owned commercial banks (China Industrial and Commercial Bank, China Agricultural Bank, China Bank, China Construction Bank and Bank of Communications).

65,438+02 national joint-stock commercial banks (China CITIC Bank, China Merchants Bank, China Everbright Bank, Huaxia Bank, Minsheng Bank, Shanghai Pudong Development Bank, Industrial Bank, China Guangfa Bank, Ping An Bank, China Bohai Bank, hengfeng bank and Zheshang Bank).

The rest are 138 city commercial banks and about 240 rural commercial banks (there are still many in preparation, and all rural cooperative banks will be transformed into rural commercial banks), plus the Postal Savings Bank.

In addition, since the first village bank, Sichuan Yilong Huimin Village Bank, opened in March 2007, by the end of September 20 12, there were 799 village banks in China, including 48 1 bank in the central and western regions, accounting for 60%.

The characteristics of commercial banks are as follows:

(1) Commercial banks, like general industrial and commercial enterprises, are profit-oriented enterprises. There are also its own funds needed to engage in business activities, which are operated according to law, taxed according to regulations, and self-financing. Like other enterprises, it aims at profit.

(2) Commercial banks are special enterprises different from general industrial and commercial enterprises. Its particularity is reflected in the different business objects. Industrial and commercial enterprises are engaged in the production and circulation of commodities with certain use value; Commercial banks, on the other hand, take financial assets and financial liabilities as their business objects and deal in special commodities ... money and monetary capital. This business includes receipt and payment of funds, loans and various financial services related to currency flow. From the perspective of social reproduction process, the operation of commercial banks is the condition for the operation of industrial and commercial enterprises. Different from ordinary industrial and commercial enterprises, commercial banks have become a special kind of enterprises-financial enterprises.

(3) Commercial banks are different from specialized banks. The business and functions of commercial banks are more comprehensive. They operate all financial "retail" business (store service) and "wholesale business" (large credit business) and provide all financial services to customers. Specialized banks only focus on the business within the specified scope and provide specialized services. With the relaxation of financial control in western countries, the business scope of professional banks is also expanding, but compared with commercial banks, there is still a big gap; Commercial banks have advantages in operation.

Main attributes

Commercial banks are enterprises and have the general characteristics of enterprises.

For example, it must have its own capital needed for business operation, which meets the minimum capital requirements stipulated by the management department; Must pay taxes according to regulations; Self-management, self-risk, self-financing and self-discipline; Taking profit as the business purpose and development motive force.

Commercial banks are special enterprises-financial enterprises.

The business objects of commercial banks are not ordinary commodities, but money and capital. The business scope of commercial banks is not in the field of production and circulation, but in the field of money and credit. Commercial banks are not enterprises directly engaged in commodity production and circulation, but enterprises that provide financial services for enterprises engaged in commodity production and circulation.

Commercial banks are special banks.

As a special kind of bank, commercial banks are different from central banks and policy financial institutions in their business nature and business objectives. Commercial banks aim at profit, and emphasize the principles of profitability, safety and liquidity in the course of operation, and are not subject to administrative intervention.

legal nature

1. The establishment of commercial banks adopts the franchise system.

Commercial banks are chartered by the state, and the banking license is issued by the State Council Banking Regulatory Authority. The franchise approval process is mainly as follows: first, the applicant submits an application, and then the CBRC will review it. Formal examination should find out whether all kinds of application documents and materials are complete and conform to the legal provisions; The substantive examination shall find out whether the applicant meets all the conditions for operating commercial banking business. After passing the examination, the applicant will submit the formal application form and other documents and materials required by law to the China Banking Regulatory Commission for special examination and approval, and issue a business license. It is worth mentioning that the right to examine and approve the franchise belongs to the state, and meeting all the conditions for establishing a commercial bank does not mean that it will definitely obtain a business license.

2. A commercial bank is an enterprise legal person.

Commercial banks have the nature of enterprises and the status of legal persons. Enterprise is an economic organization, with profit as its purpose; Legal person is also an organization, but its scope includes not only enterprises, but also non-enterprise organizations and groups. Enterprise legal person can be used as a compound word and a classification of legal person. The General Principles of Civil Law of China (1986) has the classification of enterprise legal person and non-enterprise legal person. An enterprise legal person is a legal person engaged in production and operation, with the purpose of creating social wealth and expanding social accumulation, and implementing an economic accounting system. 1The Company Law of People's Republic of China (PRC) (hereinafter referred to as the Company Law) passed on February 29th, 993 divides enterprise legal persons into two categories and three forms. The first category is limited liability companies, including limited liability companies and wholly state-owned limited liability companies, which are composed of shareholders of Ruoshi. The second type is a joint stock limited company, whose shares are publicly issued and can be listed and circulated in the form of shares. The organizational form and institutional setup of a commercial bank shall conform to the provisions of the Company Law.

Therefore, the legal nature of China's commercial banks is a chartered enterprise legal person.

I hope my answer can help you.

What kinds of interest rates are implemented by commercial banks in China? The interest rate of general commercial banks will be higher than that of state-owned banks. There are mainly current savings, fixed savings, lump-sum savings and lump-sum savings, and education savings.

Interest rate means the ratio of interest amount to principal in a certain period, usually expressed as a percentage, which is called annual interest rate when calculated on an annual basis. The calculation formula is: interest rate = interest amount/(principal x time) × 100%. The purpose of adding x 100% is to convert the number into a percentage, which means the same as multiplying by 1. You don't need to add it in the calculation, just remember it.

China's commercial banking system? China's banking system is as follows:

People's Bank of China (Central Bank)-implements the national monetary policy, issues and controls currency, provides loans to other commercial banks, and acts as lender of last resort to stabilize the financial market.

China Banking Regulatory Commission (CBRC)- supervises the whole banking industry.

Three policy banks-China Development Bank, Agricultural Development Bank and Export-Import Bank. Exercise the function of national policy loans.

Four state-owned commercial banks-

China Industrial and Commercial Bank: the largest commercial bank in China.

Bank of China: It was established the earliest, with the largest number of overseas institutions and the most developed foreign exchange business.

China Construction Bank: Since China Construction Bank broke the wall, everything has been done now.

Agricultural Bank: The institutions are widely distributed and the efficiency is the lowest among the four banks.

Joint-stock commercial banks-

The biggest: Bank of Communications.

Listing (in descending order of assets): China Merchants Bank, Shanghai Pudong Development Bank, Minsheng Bank, Shenzhen Development Bank and Huaxia Bank (listed just a few days ago, with ominous assets).

Others: China Everbright Bank, CITIC Industrial Bank, Guangdong Development Bank ... not to mention one by one.

Investment Bank-CIC International: Mainly acts as the lead manager of the underwriting syndicate when issuing securities.

This is the name and organization system of several major banks in China. Here, I would also like to mention an organization-China UnionPay, which belongs to the nature of an industry association and has formulated some industry standards that everyone should abide by, but it is not mandatory for banks.

Now I'll talk about what departments are in the bank and what they mainly do, so that everyone can be targeted when applying.

The departments of banks are divided into management departments, business departments and support departments.

Management department: president's office, administration department, human resources department, finance department, legal department ... these departments are nothing special, except the president's office, other departments should be owned by every enterprise.

Business department: (this is probably what everyone cares about)

Corporate Finance Department-Absorb corporate deposits and review loans to other companies. Single business volume, large amount of funds, large income and high risk (a bad loan involves a large amount of funds).

Personal Finance Department-Absorb personal deposits and review the issuance of personal loans. The single business volume and capital amount are small, the income is stable, and the risk is small (the risk is spread to individuals).

Financial institutions department-dealing with other non-bank financial institutions, such as funds, securities, insurance and trust institutions. In fact, this department has many opportunities for development, because it has a wide contact with various financial institutions and has learned a lot of knowledge. It is also conducive to the grasp and understanding of the entire financial industry, and at the same time increases the choices and opportunities for job hopping in the future.

Fund Finance Department-operating bank funds or operating for customers. Such as foreign exchange, stocks and bonds. ...

With the further refinement of banking business, it is divided into the above departments: offshore finance department (responsible for the operation of offshore funds), fund custody department (responsible for the issuance and consignment of funds), and corporate/personal finance department (needless to say, it is very hot now). These departments are newly established, and there are many opportunities for development if they can enter.

Support Department: Information Technology Department-Banks are very different from other non-financial industries, and most rely on information technology. Because from the perspective of logistics, banks have no other logistics except transporting banknotes and gold. Only information flow/capital flow can be virtualized and electronic. From the business point of view, due to the high reproducibility and non-patent of financial products, the application of information technology has increasingly become the core competitiveness of financial products and the driving force of financial innovation.

What are the international fund sales channels of commercial banks? Hello, classmate, I'm glad to answer your question!

The fund manager shall sell the fund shares within 6 months from the date of receiving the approval documents. The raising period of the Fund shall be calculated from the date of sale of fund shares, and the raising period shall not exceed 3 months. The fund manager shall publish the prospectus, fund contract and other relevant documents 3 days before the fund share sale. The funds raised during the raising period shall be deposited in a special account, and no one may use them before the raising is over.

I hope the answer from Gao Dun Online School can help you solve the problem. More questions related to securities business are welcome to be submitted to Gao Dun enterprises.

Gao Dun wishes you a happy life!

What are the types of deposits of commercial banks in China? There are relatively few types of deposit instruments in China's commercial banks, which are sorted according to the utilization rate as follows:

1: time deposit

2. Demand deposit

3. Education savings

4. Lump sum time deposit.

5. Convenient time deposit

6. Personal notice deposit

7. Deposit principal, interest and time deposit.

China's commercial banks have more money, less financial market information, poor professionals and poor risk resistance, but they have great potential!