What is the current division of the overall pattern of China s banking industry? 20

According to the nature and function of banks, China's banks at this stage are divided into commercial banks, policy banks, and ** banks.

Banks are financial institutions established in accordance with the law to engage in monetary and credit business, and are the products of the development of the commodity and monetary economy to a certain stage. Banks are one of the financial institutions, and banks are divided into ** banks, policy banks, commercial banks, investment banks, and world banks, and their responsibilities are different.

**Bank, that is, the People's Bank of China, is the ** bank in China. State-owned policy banks include the Export-Import Bank of China, the China Agricultural Development Bank, and the China Development Bank. State-owned commercial banks include Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Postal Savings Bank of China, Bank of Communications, etc.

Investment banks include Goldman Sachs, Morgan Stanley, Citigroup, Wells Fargo, UBS, Société Générale, and others. The World Bank is used to finance countries to overcome poverty, and institutions have a unique role to play in their mission to reduce poverty and improve living standards.

The word bank, derived from the Italian banca, originally meant bench, chair, and was the business utensils of the earliest money changers in the market. The English translates to bank, which means a chest for depositing money. In China, the reason why it is called a bank is related to the history of China's economic development.

The role of the bank:

1. The bank is an enterprise that operates currency, and its existence facilitates the financing and financing of social funds, and it is a very important member of the financial institution.

2. We can see that the business of the bank, on the one hand, it collects the idle monetary funds and small monetary savings in the society in the form of absorbing deposits, and then lends them to people who need to supplement the currency in the form of loans; Here, the bank acts as an intermediary between the lender and the borrower.

3. On the other hand, the bank handles the receipt, payment, and settlement of currency for commodity producers and merchants, and it acts as a payment intermediary. In short, banks play the role of credit intermediaries. The basic functions of commercial banks include credit intermediary, payment intermediary, credit creation, and financial services.

In 2019, the total number of outlets nationwide decreased

According to the report data of the China Banking Association, from 2015 to 2019, the total number of banking outlets in China basically remained at about 220,000. By the end of 2019, the total number of outlets had decreased to 10,000.

-- The number of community outlets and small and micro outlets is increasing year by year

In recent years, China's banking industry has continued to deepen the transformation and development of outlets, with the overall number of community outlets increasing and the number of small and micro outlets increasing year by year. By the end of 2019, the total number of branches of China's banking financial institutions had reached 10,000, of which 7,228 were community outlets and 3,272 were small and micro outlets.

——In 2019, the number of renovated outlets reached a new high

At the same time, in response to changes in the market situation, the number of branches of China's banking financial institutions has also increased rapidly. In 2019, the number of business outlets renovated in China's banking industry reached 10,000 during the year, which was the largest number of renovations from 2015 to 2019.

In 2019, the banking industry reached a de-cabinet rate

With the intelligent transformation and upgrading of bank outlets, the rate of banking industry leaving the counter has been rising in recent years. In 2019, the industry-wide exit rate reached an increase of one percentage point compared with 2018.

The number of self-service equipment deployed has grown rapidly, and the number of innovative equipment deployed in 2019 was 4,805

In the process of promoting the migration of business from traditional manual counters to intelligent equipment in the banking industry, the deployment of self-service equipment in China's banking industry has grown rapidly. In 2019, the number of self-service equipment deployed in the banking industry reached 10940,000 units, an increase of 10,000 units year-on-year; The number of transactions using self-service equipment reached 100 million, and the transaction amount was trillions of yuan.

In the deployment of self-service equipment, innovative equipment is one of the key points of the banking industry's "lightweight, intelligent and characteristic transformation of outlets". In 2019, the number of innovative self-service equipment deployed in China's banking industry was 4,805, accounting for the total number of self-service equipment deployed.

For the banking industry, in addition to its own capital, the scale of its development is mainly determined by the development of deposits. The more deposits, the more loans; The more bad loans, the more interest on income, the more profits. Because the financial profits are mostly attributed to the household bank, the state referred to, the profits earned by the ticket number business are decreasing day by day.

After the Qing court opened a bank, the exchange business of the ticket number was snatched from the imperial court to the local government, which made the Shanxi ticket number even worse.

The banking sector plays a vital role as a financial intermediary in a country's economy. According to the "2014-2018 Bank of China Wealth Management Product Industry Operation Model and Investment Strategic Planning Analysis Report" released by the Prospective Industry Research Institute, China's banking industry has maintained a momentum of rapid expansion due to rapid economic growth and loose monetary policy.

However, there are still many problems in asset quality, operation management and risk control, and many banks are facing heavy historical burdens, and if the collapse of the shed is not handled properly, the banking system may become an obstacle to the sustainable development of China's economy, and even affect the stability of the entire economy. The banking industry occupies a dominant position in China's financial industry.

According to the nature and function of banks, China's banks at this stage can be divided into three categories: ** banks, commercial banks, and policy banks. In recent years, the reform and innovation of the banking industry in the central chain has made remarkable achievements, and the entire banking industry has undergone historic changes, which has played an important role in supporting and promoting economic and social development, and strongly supporting China's national economy.

The main capital of our banks, especially state-owned banks, is residents' savings.

The main funds of European and American banks are deposits, which exist in the form of check deposits, so the gap between M1 and M2 in European and American countries is usually very small, and M2 is rarely mentioned, while the gap between M1 and M2 in China is very large, so M2 is often mentioned

In addition, the proportion of own funds in the assets of European and American banks is also relatively large, generally more than 25%, and some are even close to 50%, while the proportion of Chinese banks is usually not more than 15%, and some banks are even only about 5%.