Which is better, China Merchants Bank or Ping An Bank

1. Ping An Bank is a national joint-stock commercial bank headquartered in Shenzhen, its predecessor Shenzhen Development Bank is the first publicly listed national joint-stock bank in Chinese mainland, Ping An of China and its holding subsidiaries are the controlling shareholders of the Bank, as of the end of 2019, 34,253 employees, through 91 branches and 1,058 business institutions across the country to provide customers with a variety of financial services, welcome you to experience business in Ping An Bank, all staff of Ping An Bank will serve you wholeheartedly.

2. If you need to consult Ping An Bank, you can click the link below to select the **customer service icon in the upper right corner of the home page or follow Ping An Bank's WeChat*** (Pingan Bank) for consultation.

Ping An car owner loan] can get a loan if you have a car, up to 500,000.

In terms of strength, China Merchants Bank and Ping An Bank are both among the world's top 500 in terms of brand value in 2019, but China Merchants Bank ranks ninth, and Ping An Bank ranks 44th. From the perspective of urban outlets, China Merchants Bank has many more outlets than Ping An Bank, but Ping An Bank is not just a bank, and its strongest backing lies in its insurance. How can the strength be longer than each other?

China Merchants Bank: Headquartered in Hong Kong, with many years of experience in card use, strict management, really good service, and foreign-related business. Ping An Bank:

Starting with Ping An Insurance, it has a wide range of coverage and is more flexible. Both are excellent commercial banks. Which one to choose depends on the local situation, business purpose, and your own needs.

In fact, there is no absolute sense of good or bad in the comparison of credit cards, but there will always be cardholders who do not know how to choose when faced with credit card applications. The four major state-owned banks in China.

More than a dozen commercial joint-stock banks.

Each of them issues a variety of credit cards, and there are many promotions, so it's no wonder that cardholders have a hard time choosing. Today, I would like to talk to you about China Merchants Bank credit card.

Which is better, Ping An Bank.

Application

The basic conditions for applying for a credit card are the same, and the applicant is at least 18 years old, has a job and a certain income, and has a good credit report. For China Merchants Bank credit card and Ping An Bank credit card.

The difference in the application may be that the application threshold of China Merchants Bank is relatively lower, after all, Ping An Bank takes insurance as its main product, and the handling of credit cards must be more or less linked to insurance.

Quotas

In general, the limit of credit cards mainly depends on the applicant's own conditions, economic strength and credit status, and the higher the limit with better conditions in all aspects. Generally speaking, the amount approved by China Merchants Bank and Ping An Bank is not very high, but the minimum amount of China Merchants Bank's ordinary card is 3,000 yuan, and Ping An Bank may also have a limit of less than 3,000 yuan.

Offers

Credit card promotions have always been a major attraction for cardholders. China Merchants Bank's credit card service has always been well-known, but Ping An Bank is incomparable. In terms of preferential activities, each has its own advantages, China Merchants Bank credit card offers are all-round, while Ping An Bank focuses on insurance and automobile services.

However, in terms of the cash withdrawal fees of the two banks, China Merchants Bank's 1% is better than Ping An Bank's.

Card Species

China Merchants Bank credit card has always been more popular with the younger generation, because China Merchants Bank has a variety of targeted cards for students and young people; In terms of high-end cards, China Merchants Bank is not negligent, such as black gold cards.

Unlimited cards, etc. The above is an analysis of which is a good credit card of China Merchants Mabo Bank and Pingqiao Shi'an Bank, although it is not comprehensive enough, but it can also be spied from these aspects. In fact, which credit card is better, you can't generalize, and specific card applicants have different choices.

China Merchants Bank. Ping An Company is part of China Merchants Group.

Firm. The main business of China Merchants Bank is as follows:

1. Enterprise e-banking and unit deposit business;

2. Credit business;

3. Institutional business.

4. International business;

5. Entrusted housing finance fund clearing, intermediary business, asset promotion, trusteeship, etc.

The most basic departments within a bank are savings (private), accounting (public) and credit. Accounting can be said to be the back-office and service department of credit, credit is the deposit and loan business of the unit, a bit like the sales department of a general company, and all the business dealings between these units and the bank are realized through the accounting department. The corporate business is based on corporate legal persons, units and other customers as the main body, and carries out various types of checks, exchanges, loans and other businesses around the public deposit account.

At present, the professional version of personal banking of our bank can realize the non-cash business of most counters, with comprehensive functions and high security performance. The main functions are: account inquiry and management, transfer and remittance and batch transfer and remittance, foreign exchange management, investment management, loan management, financial planning, online payment, etc.

China Merchants Bank, China Merchants **.

and China Merchants Shipping also belong to China Merchants Group, and both belong to the investment finance and management subsidiaries of China Merchants Group. China Merchants Bank is a leading commercial bank in China, and China Merchants Bank is also one of the leading service companies in China. Satisfied with the answer.

Investment bank. The main business is a non-bank financial institution mainly engaged in issuance, underwriting, trading, corporate restructuring, mergers and acquisitions, investment analysis, venture capital and project financing.

It's the capital market.

on the main financial intermediary. Due to the rapid development of the investment banking industry, it is also very difficult to define investment banking. Investment banking is a term used in the United States and continental Europe, in the United Kingdom it is called a merchant bank, and in Japan it refers to a ** company.

The international definition of an investment bank is mainly any operation on Wall Street.

Financial institutions in the financial business can be called investment banks; Only financial institutions that operate some or all of their capital markets operations are investment banks; Financial institutions engaged in underwriting and mergers and acquisitions are called investment banks.

1. The basic concept of credit card.

A credit card is a financial instrument that helps consumers get a loan when they buy goods and services and pay that loan in the future. Credit card users can pay their bills in installments or in a lump sum when they pay their bills. Credit card users can enjoy benefits such as free travel insurance, points redemption, etc.

2. Compare which bank's credit card is used.

When comparing which bank's credit card usage, the first thing to consider is the credit card's interest rate, service fees, point system, credit limit, etc.

1.Interest rates on credit cards.

The interest rate on a credit card refers to the interest charged by the bank when a consumer uses a credit card to pay a bill. Different banks will have different interest rates, and generally speaking, the lower the interest rate, the less burdensome it is for consumers with high hands. Therefore, when comparing which bank's credit card usage, you should first consider the interest rate.

2.Service Fees.

Service fee refers to the service fee charged by the bank when the consumer uses the credit card. Different banks will have different service fees, and generally speaking, the lower the service fee, the less burden the consumer. Therefore, when comparing which bank's credit card usage, you should first consider the service fee.

3.Points system.

The point system refers to the fact that when consumers use credit cards to make purchases, the bank will give them a certain number of points, and consumers can use these points to redeem goods or services. Different banks will have different points systems, and generally speaking, the richer the points system, the more benefits consumers can receive. Therefore, when comparing which bank's credit card usage, you should first consider the points system.

4.Credit limit.

The credit limit refers to the spending limit set by the bank when the consumer uses a credit card to make purchases. Different banks will have different credit limits, and generally speaking, the higher the credit limit, the more benefits consumers can get. Therefore, when comparing which bank's credit card usage, you should first consider the credit limit.

3. Summary. As can be seen from the above analysis, factors such as interest rates, service fees, point systems, and credit limits should be considered first when comparing which bank's credit card usage. Only if these factors meet the requirements of the consumer can the bank's credit card usage be explained.

Therefore, consumers should consider carefully when choosing a credit card in order to choose the most suitable credit card for themselves.

Summary. Hello, happy to answer your questions. The overall operating income of China Merchants Bank has reached about twice that of Ping An Bank, which seems to be no longer in the same order of magnitude.

China Merchants Bank's operating income in the first half of 2021 reached 168.8 billion yuan, while Ping An Bank's operating income reached only 84.7 billion yuan. In terms of total operating income, Ping An Bank failed completely.

Hello, it's a pleasure to answer the question of cheating for you. The overall operating income of China Merchants Bank has reached about twice that of Ping An Bank, and it seems that it is no longer in the same order of magnitude. China Merchants Bank's operating income in the first half of 2021 reached 168.8 billion yuan, while Ping An Bank's operating income reached only 84.7 billion yuan.

In terms of total operating income, Ping An Bank failed completely.

China Merchants Bank's net fee and commission income accounted for 31%, while Ping An Bank's account for only 21%, a difference of 10 percentage points.

In terms of return on assets, Ping An Bank's yield on assets is significantly higher than that of China Merchants Bank, reaching 5%, which is one percentage point higher than that of China Merchants Bank.

Overall, China Merchants Bank can basically be said to be leading Ping An Bank in all aspects, and I personally believe that investing in China Merchants Bank is better than investing in Ping An Bank.

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Sorry that your question does not belong to Ping An Bank's business, if you need to consult Ping An Bank's business, you can click the link below to select the **Ke Song Tribute icon in the upper right corner of the Shouye Zhishen page or follow Ping An Bank's WeChat*** (Pingan Bank) for consultation.

1. Scale comparison.

1.The total assets of China Merchants Bank were 6,297.6 billion, a year-on-year increase of +; Operating income was 100 million, a year-on-year increase of +, and total customer deposits were 4,064.3 billion, a year-on-year increase of +.

Pingyin's total assets were 100 million, a year-on-year increase of +; The operating income was 100 million, a year-on-year increase, and the total customer deposits were 2,000.4 billion, a year-on-year +.

In terms of total assets, operating income and customer deposits, Pingyin is about half of the size of China Merchants Bank. This half can be understood as a gap as well as a potential.

2.The net profit of China Merchants Bank is 70.6 billion, and that of Pingyin is 23.2 billion, and the net profit is not much, but it can be further concluded through asset quality analysis that the net profit of China Merchants Bank is not hidden but also very reliable, and the net profit of Pingyin is indeed too large according to the investment standard.

3.There is no need to write about the capital adequacy ratio, and the gap can be seen at a glance. No, Pingyin's convertible bonds are already on the way.

2. Comparison of asset quality.

The comparison of asset quality is a bit unbearable, but tears have to be compared:

China Merchants Bank: Non-performing loan ratio, provision coverage ratio, provision ratio, proportion of concerned loans, overdue within 90 days, overdue for more than 90 days, and sales of 100 million yuan in the future.

Pingyin: non-performing loan ratio, provision coverage ratio, provision ratio, proportion of concerned loans, overdue within 90 days, overdue for more than 90 days, and 100 million yuan in the period of nuclear sales.

China Merchants Bank's non-performing determination is very strict, with 126% of the non-performing rate vs more than 90 days overdue, and 93% of the total overdue probation period; VS 100% of concerned loans, VS NPL + 50% of the total of concern. Under such a strict determination, the provision is still so sufficient. The provision is even much more than the sum of all the bad + off the stove rounds.