Which is better, China Merchants Bank or the four major state owned banks

China Merchants Bank. Compared with the four major banks, we can't say which one is better, we can only say that each has its own advantages.

China Merchants Bank is a joint-stock commercial bank with outstanding strength in China.

It is also very mature and is the fifth largest bank in Chinese mainland by market capitalization. The Big Four banks refer to the four major state-owned banks.

Including China Construction Bank, Industrial and Commercial Bank of China, and Agricultural Bank of China.

Bank of China, they have a national background and a wide range of business scope, but at present, state-owned banks are also in the stage of restructuring, and there will be some disadvantages of more traditional management.

Before the establishment of joint-stock banks, there were only five major banks, including China Agriculture, Industry and Diplomatic Relations. China Merchants Bank is developing relatively fast, and although it is large, there is still a gap between it and the top four state-owned commercial banks. It's about the same as the Bank of Communications.

The difference between China Merchants Bank and the Big Four Banks.

Clause. 1. China Merchants Bank.

Compared with the Big Four, the management ability of retail customers. Stronger. Clause.

Second, compared with the four major banks, China Merchants Bank provides better services to retail customers.

Clause. 3. Compared with the four major banks, China Merchants Bank has a more powerful technology system.

Clause.

1. Compared with the four major banks, China Merchants Bank has stronger management capabilities for retail customers

Since its establishment, China Merchants Bank has attached great importance to the retail business, and has invested a lot of energy in the development of retail customers, cultivating strong retail customer management.

Ability. The characteristics of retail customers are very obvious, the number of customers is large, the amount of a single business is small, and if you want to manage retail customers well, for the bank's account manager.

It is very difficult to work with people in the back office, and it takes a lot of time and effort to maintain the retail customers. Many banks like to be big customers, and the time paid for a large amount of business is not much different from the time paid for a small amount of business, but the income that banks can obtain is quite different, and many banks do some big customers in order to pursue high returns, ignoring the management of retail customers.

Clause.

Second, compared with the four major banks, China Merchants Bank has a better service for retail customers

Retail customers are small and scattered, and in order to make retail customers satisfied with the bank's services, banks need to invest more energy to improve the quality of services.

In order to serve small and scattered customers well, banks need to invest more time to serve customers well, and they need a complete set of service systems to support them. In order to provide good services to retail customers, China Merchants Bank has built a complete set of service system, which has set up a good connection from the aspects of early marketing, mid-term follow-up, and later maintenance, so that users can enjoy high-quality services. Retail customers are more sensitive to **, but through the entry of high-quality services, the sensitivity of customers to ** can be weakened and banking business is facilitated.

of promotion. Clause.

3. Compared with the four major banks, China Merchants Bank has a more powerful technology system.

In order to serve retail customers well, banks need a large amount of data to support them, so it is very important to manage customer data well.

Data management for customers.

It needs to be supported by a strong technology system, and manual data statistics alone cannot meet the needs of users, so banks need to invest a lot of money to improve the banking system. In order to improve profits, many banks are reluctant to invest more funds in the technology system, believing that the technology system cannot bring profits, and the funds invested in the technology system are a bottomless pit and need to be constantly updated.

It is very difficult to serve retail customers well, and it is necessary to make long-term investment in customer service, customer management, customer system, etc., and at the same time, it also needs the effect of retail customers to drive the bank's income.

ICBC is good. Pros:

One card with multiple accounts: ICBC cards are based on personal settlement accounts, and can also be linked to multiple accounts such as ordinary current accounts, current accounts, fixed accounts, lump sum deposits, principal deposits and interest, personal checks and credit cards, etc., to realize the transfer between linked accounts, and to avoid the inconvenience and risk of carrying multiple passbooks.

ICBC has the most advanced level of science and technology in China, on the basis of the data concentration project, in 2003 ICBC successfully put into operation the full-featured banking system (NOVA) system, together with the data warehouse to provide the technical basis for personalized services, together constitute an internationally advanced level of financial information technology platform, providing a strong impetus for the progress of business and management.

Summary. Hello, China Merchants Bank is as safe as the big four banks. Compared with China Merchants Bank and the four major banks, we can't say which one is better, we can only say that each has its own advantages.

China Merchants Bank is a joint-stock commercial bank with outstanding strength in China. It is also very mature and is the fifth largest bank in Chinese mainland by market capitalization.

Hello, China Merchants Bank is as safe as the big four banks. Compared with the four major banks of China Merchants Bank and Huiwei, we can only say which one is better, and it can only be said that each has its own advantages. China Merchants Bank is a joint-stock commercial bank with outstanding strength in China.

It is also very mature and is the fifth largest bank in Chinese mainland by market capitalization.

Whether it is China Merchants Bank or other banks, you can choose different banks according to your actual needs, such as when you go to handle deposit and withdrawal business, you can go to handle the banking business with lower deposit and withdrawal rates. If you want to handle credit card business, you can decide on different credit cards from different banks according to your own credit card usage scenarios.

Hello, China Merchants Bank is also under the supervision of the China Banking Regulatory Commission, and the bank is under the supervision of the China Banking Regulatory Commission. The CBRC generally refers to the China Banking Regulatory Commission. The China Banking Regulatory Commission (CBRC) is a ministry-level institution directly under the People's Republic of China (CPC) in accordance with its mandate to supervise and prudently supervise and manage banking financial institutions and maintain the legal and steady operation of the banking industry.

There is no absolute good, in fact, each has its own advantages. If the credit card installment, China Merchants Bank is better, if the industrial and commercial business needs a large number of online payment to choose the industrial and commercial is safer, in fact, the commercial banks are almost the same, if it is an IC debit card, if it is a credit card, you live in a larger city, it is recommended that China Merchants Bank, the card issuance is faster and the requirements are lower.

The difference between China Merchants Bank and Industrial and Commercial Bank of China:

1. The nature is different. China Merchants Bank is a joint-stock commercial bank, one of the largest commercial banks of Industrial and Commercial Bank of China, and its management is relatively good.

2. The distribution of outlets is different. ICBC has many outlets and is easy to find, while China Merchants Bank can generally only be found in the main urban areas of large and medium-sized cities.

3. Different charges: ICBC charges an annual fee of 10 yuan for a savings card, and if the average daily amount of the account is less than 300, a small account management fee of 3 yuan per quarter is charged, while the savings card of China Merchants Bank is free of charge.

Summary. Hello, happy to answer your <>

Which is better, Bank of China or China Merchants Bank, is as follows: Bank of China's strength is a little stronger. China Merchants Bank is also relatively good.

Bank of China has obvious advantages in all aspects, it is a national bank, and China Merchants Bank is also a state-owned bank, but its comprehensiveness is not strong. Both BOC and CMB are very secure and secure. The security of Bank of China is better than that of China Merchants Bank, and Bank of China has more branches nationwide than China Merchants Bank, but the service attitude of both banks is very good!

Which is better, Bank of China or China Merchants Bank.

Hello, happy to answer your <>

Which is better, Bank of China or China Merchants Bank, is as follows: Bank of China's strength is a little stronger. China Merchants Bank is also relatively good.

Bank of China has obvious advantages in all aspects, it is a national bank, and China Merchants Bank is also a state-owned bank, but its comprehensiveness is not strong. Both BOC and CMB are very secure and secure. The security of Bank of China is better than that of China Merchants Bank, and Bank of China has more branches nationwide than China Merchants Bank, but the service attitude of both banks is very good!

China Merchants Bank is relatively not as powerful as Bank of China, and its salary is slightly higher than that of Bank of China. There are more opportunities for promotion and exercise. In terms of traditional business, Bank of China has a wider scope.

The advantage is in terms of settlement; China Merchants Bank's advantages lie in wealth management and credit cards. However, in terms of institutional outlets, capital scale, international settlement, etc., the Bank of China is still stronger.

China Merchants Bank. Compared with China Everbright Bank, China Merchants Bank is stronger.

** The commercial bank stocks in China can be roughly divided into the following three categories:

1. The six major state-owned banks are the six major banks of industry, agriculture, China, construction, communications, and postal services;

2. Joint-stock banks outside the six major banks.

For example, China Merchants Bank, Ping An Bank, Everbright Bank, Industrial Bank.

China CITIC Bank, Shanghai Pudong Development Bank, etc.;

3. City commercial banks, such as Bank of Shanghai, Bank of Beijing, Bank of Qingdao, Bank of Hangzhou, etc.

China Merchants Bank, a leading retail bank in China, is affiliated to the State-owned Assets Supervision and Administration Commission.

China Merchants Group, one of the "five major consortia in China".

It is the first pilot bank in the country to promote banking reform from outside the system, and ranks 9th in the global banking brand value ranking, so to speak, China Merchants Bank can be said to be the most successful commercial bank in China's reform.

China Everbright Bank, one of the leading retail banks in China, also affiliated to China Everbright Group, is a leader in the credit card business and ranks 28th among the top 500 global banks in terms of brand value.

From the perspective of the changes in their respective revenue and net profit: China Merchants Bank's revenue was 100 million yuan, a year-on-year increase, and its net profit was 100 million yuan, a slight year-on-year decrease; Ping An Bank's revenue was 100 million yuan, a year-on-year increase, and net profit was 100 million yuan, a year-on-year decrease; Everbright Bank's revenue was 100 million yuan, a year-on-year increase, and its net profit was 100 million yuan, a year-on-year decrease.

Judging from the comparison of the three, the absolute value of China Merchants Slow Li Ji Bank's revenue and profit.

Far ahead of Ping An Bank and Everbright Bank, in terms of the relative value of income changes, Ping An Bank's growth rate is almost more than double that of China Merchants Bank and Everbright Bank, but from the relative value of net profit, China Merchants Bank's decline is much smaller than that of Ping An Bank and Everbright Bank, indicating that among the three banks, China Merchants Bank is the most stable, Ping An Bank is the most aggressive, and Everbright Bank is relatively modest.

From the perspective of the core indicator that measures the earning ability of enterprises, the return on net assets of China Merchants Bank.

ROE) is the highest, up to, this indicator is not only much higher than Ping An Bank and Everbright Bank, but also much higher than other banks in the banking sector, so to speak, China Merchants Bank is the most profitable bank among China's large commercial banks, so, from this indicator, there is no doubt that China Merchants Bank is the most valuable investment, and this is also from the price-earnings ratio.

The price-earnings ratio of the banking sector is generally not high, and most of them are in a broken state, but the price-earnings ratio of China Merchants Bank is as high as a double, which fully shows the market's recognition of China Merchants Bank.

<> which of the four major banks is the safest.

The four major banks are all state-owned and all safe. As long as individuals do not disclose important information, then there is no risk, and the safety index of any bank is the same.

China's banks are divided into three categories: the first is China's ** bank, that is, the People's Bank of China, which is a leading ** institution and a ministerial-level unit. Its role is to manage China's financial sector, issue the renminbi, ** China's treasury.

The interest rates of all banks in China are regulated and managed by the People's Bank of China, because it is the competent authority of all banks in China. Second, commercial banks, the duties of commercial banks are to absorb savings, issue loans, and operate all kinds of deposit and loan business prescribed by the People's Bank of China. The main profit of commercial banks comes from the difference between the interest on loans and savings.

There are five major commercial banks in China, including the Industrial and Commercial Bank of China, the Agricultural Bank of China, the Bank of China, the China Construction Bank, and the Bank of Communications. These four banks were state-invested banks and state-owned banks before 06 years, and since 06 years, these four banks have been listed to raise funds and become joint-stock ownership banks, which are no longer exclusive to the state, but state-controlled commercial banks.

Its commercial banks, such as Bank of Communications, China Merchants Bank, China CITIC Bank, etc., have all been joint-stock banks since their establishment, and different shareholders have formed joint-stock banks. The third category is policy banks, and there are three such banks in China: the China Development Bank, the Agricultural Development Bank of China, and the Export-Import Bank of China. These three banks only do the business of lending and consolidating, and make corresponding huge loans for national infrastructure construction, agricultural construction, and import and export business.