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Anonymous users2024-02-06The six major banks in China refer to the six large state-owned banks, including: China Construction Bank, Industrial and Commercial Bank of China, Agricultural Bank of China, Postal Savings Bank of China, Bank of Communications, and Bank of China. China's six major banks are all large-scale comprehensive commercial banks, with a wide range of business coverage and diversification, representing the most abundant capital and strength in China's financial industry.
1. What is the difference between a commercial bank and a state-owned bank?
The differences are as follows:1The nature is different.
A commercial bank is a type of bank that is a financial institution that acts as a credit intermediary through deposits, loans, exchanges, savings and other businesses. State-owned banks, i.e., state-owned banks, refer to large banks that are directly controlled by the state (Ministry of Finance, ** Huijin Company).
2.The functions are different.
Commercial banks do not have the right to issue currency, and the traditional business of commercial banks is mainly focused on operating deposit and loan business. Among the state-owned banks, the People's Bank of China has decided to exclusively exercise the functions of a leading bank, the People's Bank of China has become an institution for the unified management of financial affairs by the state, and other specialized banks have become economic entities.
3.The business model is different.
From the perspective of the development of commercial banks, there are two business models of commercial banks. One is the British model, in which commercial banks mainly finance short-term commercial funds, which have the characteristics of short lending term and high liquidity. State-owned banks are mainly directly managed by the Ministry of Finance and ** Huijin Company.
2. What is the difference between a bank and a commercial bank?
1. The business is different.
The main business of the bank is currency issuance, centralized deposit reserves, loans, rediscounting, appropriation and foreign exchange appropriation, fund allocation, clearing and fund transfer for commercial banks and other financial institutions, etc.; The main business operated by commercial banks is generally divided into liability business, asset business and off-balance sheet business. With the development of the internationalization of the banking industry, these domestic businesses can also be extended to international businesses.
2. Different functions.
**The main functions of banks are to formulate and implement monetary policies, and to lead, manage and supervise the activities of financial institutions. is one"A bank that manages financial activities"At the same time, there are other functions; The main functions of commercial banks are economic regulation, credit creation, credit intermediation, and payment intermediation.
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Anonymous users2024-02-05The six major state-owned banks are Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Postal Savings Bank of China, and Bank of Communications. China's six major banks are also state-owned banks, large banks directly controlled by the state, large state-owned banks not only have policy advantages, but also financial strength and talent advantages, Industrial and Commercial Bank of China has the largest customer base in China, is one of the largest commercial banks in China.
Characteristics of the six major banksChina Construction Bank was established on October 1, 1954, the head office is located at No. 25, Beijing Financial Street, is the largest management of large state-owned banks, but also one of the four major banks in China, Industrial and Commercial Bank of China was established on January 1, 1984, the head office is located in Beijing Fuxingmen Nei Street No. 55, is the largest management of large state-owned banks, but also one of the four major banks in China.
Agricultural Bank of China was founded in 1951, the head office is located in Beijing Jianguomen Nei Street No. 69, is the largest management of large state-owned banks, is also one of China's four major banks, the head office is located in Beijing, is an important part of China's financial system, Postal Savings Bank of China was officially established on March 20, 2007, is the fifth largest bank in China.
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Anonymous users2024-02-04The six major state-owned banks are Bank of China, Agricultural Bank of China, Industrial and Commercial Bank of China, China Construction Bank, Postal Savings Bank of China and Bank of Communications. The six major state-owned banks cover a wide range of business and are the most powerful capital in China's financial macro industry, with incomparable strength, representing the most abundant capital and strength in China's financial industry.
Financial institutions established by banks in accordance with the law to engage in monetary and credit business 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 the World Bank according to their types, and their responsibilities are different.
The six major state-owned banks are Bank of China, Agricultural Bank of China, Industrial and Commercial Bank of China, China Construction Bank, Postal Savings Bank of China and Bank of Communications. The six major state-owned banks cover a wide range of diversified businesses, and are the most powerful capital in China's financial sector, with incomparable strength, representing the most abundant capital and strength in China's financial sector.
Financial institutions established by banks in accordance with the law to engage in monetary and credit business 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 the World Bank according to their types, and their responsibilities are different.
In fact, the original concept is not called the big five banks, but the big four banks. The strongest is the Industrial and Commercial Bank of China, the scale can be called the world's first, followed by the China Construction Bank, although the scale is not as good as the Industrial and Commercial Bank of China, but it is also ahead of the other two banks, followed by the Agricultural Bank of China, the Agricultural Bank of China's outlets are the most widely distributed, many towns and villages also have, the smallest is the Bank of China, but the Bank of China is the earliest, the accumulation of international influence is deeper, the Bank of China's foreign exchange business is the strongest among the four major banks. As for the five major banks you mentioned, the fifth place should be Bank of Communications. >>>More
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