The four major banks in China are under the jurisdiction of that, and the four major banks are under

1) The basic business of the bank - absorbing deposits, issuing loans, and handling settlements.

1.Absorb deposits.

Deposit absorption is the first basic business of a commercial bank.

1) Status: It is the first basic business of the bank, and it is the basis of the bank's business activities. Banks can only make a profit by taking deposits in order to issue loans.

2.Loans are issued.

Loan issuance is the second basic business of commercial banks.

1) Capital**: The fixed deposits (i.e. deposit balances) of enterprises, institutions and urban and rural residents are the main loans issued by banks**; When the funds are insufficient, you can borrow the deposit reserve from the ** bank.

Therefore, through bank loans, we can support industrial and agricultural production, promote commodity circulation, and support the development of science, technology, culture, and education.

3) According to the length of the loan term, it can be divided into short-term loan (less than one year), medium-term loan (one year to less than five years) and long-term loan (more than five years).

According to the purpose of the loan, it can be divided into industrial and commercial loans, agricultural loans and consumer loans.

In addition, consumption can also take out loans, which is a consumption concept that has only emerged in China in recent years. Loans can be taken out to go to school, and even loans can be taken out to buy houses and household appliances, and consumer loans are conducive to improving living standards, and consumer loans are generally repaid in installments. The advent of consumer credit means that the scope of lending is increasing.

Getting bigger and bigger loans can make students worry about where the loans will come from if they have less savings. There is no need to worry at all, although the deposit and withdrawal are endless, but the bank will always have a relatively stable deposit balance, which mainly comes from the relatively long term and relatively stable time deposit, that is, this part of the funds comes from the "people".

There is also a part of the funds from the "state", because the ** bank is the "bank of the bank", when the commercial bank is insufficient, it can borrow deposit reserves from the ** bank.

The four major banks are under the management of the People's Bank of China, supervised by the China Banking Regulatory Commission, and ultimately managed by the People's Bank of China.

China Banking Regulatory Commission.

According to the authorization, the unified supervision and management of banks, financial asset management companies, trust and investment companies and other depository financial institutions, to maintain the legal and sound operation of the banking industry.

China's four major banks are owned by the state (Ministry of Finance, ** Huijin Company.

The four large state-owned banks under their direct control, including the Industrial and Commercial Bank of China, the Agricultural Bank of China, the Bank of China, and the China Construction Bank (Industry, Agriculture, China, and Construction), represent China's most abundant financial capital force.

China Banking Regulatory Commission.

At the beginning of its establishment, the main responsibilities of the China Banking Regulatory Commission were:

1. Formulate rules and regulations and measures for the supervision of banking financial institutions; Drafting relevant laws and administrative regulations, and putting forward proposals for enactment and amendment.

2. Examine and approve the establishment, change, termination and business scope of banking financial institutions and their branches.

3. Implement on-site and off-site supervision of banking financial institutions, and investigate and deal with violations of laws and regulations in accordance with the law.

4. Review the qualifications of senior managers of banking financial institutions.

5. Responsible for uniformly compiling the data and statements of banking financial institutions across the country, copying them to the People's Bank of China, and publishing them in accordance with relevant national regulations. Duan called.

6. In conjunction with the Ministry of Finance, the People's Bank of China and other departments, put forward opinions and suggestions on emergency risk disposal of depository financial institutions.

7. Responsible for the daily management of the board of supervisors of key state-owned banking financial institutions.

8. Undertake other matters assigned by ***.

The China Banking Regulatory Commission (CBRC) was established on April 25, 2003 and is a ministry-level institution directly under the China Banking Regulatory Commission.

According to the authorization, the unified supervision and management of banks, financial asset management companies, trust and investment companies and other depository financial institutions, to maintain the legal and stable banking industry.

The China Banking Regulatory Commission (CBRC) has set up 36 CBRC bureaus in 31 provinces and 5 cities with separate state planning, CBRC sub-bureaus in 306 regions (prefecture-level cities, autonomous prefectures and leagues), and regulatory offices in 1,730 counties (county-level cities, autonomous counties, banners and autonomous banners), which are managed by reference to the Civil Servants Law.

The four major banks in China refer to: Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, and China Construction Bank, also known as the four major banks. China's four large banks generally refer to the four large state-owned banks directly controlled by the state (Ministry of Finance, ** Huijin Company).

Introduction to the Industrial and Commercial Bank of China.

English name: Industrial and Commercial Bank of China, referred to as ICBC, ICBC, was established on January 1, 1984. The head office is located at No. 55, Fuxingmennei Street, Beijing, which is a large state-owned bank managed by the first management and a national vice-ministerial-level unit.

Introduction to China's agricultural bank.

English name: Agricultural Bank of China, abbreviated as ABC, Agricultural Bank, was established in 1951. The head office is located at No. 69, Jianguomen Nei Street, Beijing, which is a large state-owned bank managed by the first management and a national vice-ministerial-level unit.

Introduction to the situation of Bank of China.

English name: Bank of China, abbreviated as BOC, Bank of China, with the approval of Dr. Sun Yat-sen, was formally established on February 5, 1912. The head office is located at No. 1, Fuxingmennei Street, Beijing, which is a large state-owned bank managed by the first management and a national vice-ministerial-level unit.

Introduction to the situation of China Construction Bank.

English name: China Construction Bank, referred to as CCB, CCB, formerly known as the Chinese Construction Bank established on October 1, 1954 (later officially renamed China Construction Bank on March 26, 1996) The head office is located at No. 25, Beijing Financial Street, ** managed by a large state-owned bank, a national vice-ministerial-level unit Dong family.

Introduction to the power ranking of China's four major banks.

1. Industrial and Commercial Bank of China.

ICBC is the most profitable bank in China, with a Tier 1 capital of more than US$300 billion, ranking among the top in terms of scale and profitability, and is one of the top ten enterprises in China.

2. China Construction Bank.

China Construction Bank is at the forefront of the latest Bank of China strength rankings, and China Construction Bank is actively expanding overseas markets, and investment and wealth management are a good choice.

3. Agricultural Bank of China.

The Agricultural Bank of China mainly invests in China's agriculture, and at the same time, it is also in the forefront of savings and wealth management.

4. Bank of China.

Bank of China definitely ranks first in terms of popularity alone, and Bank of China has its own reputation and popularity!

Legal Analysis: The China Banking Regulatory Commission, the four largest banks is regulated by the China Banking Regulatory Commission.

Legal basis: Law of the People's Republic of China on Commercial Banks

Article 8 Commercial banks shall abide by the relevant provisions of laws and administrative regulations and shall not harm the interests of the state or the public in carrying out business activities.

Article 9 In carrying out business, commercial banks shall abide by the principle of fair competition and shall not engage in unfair competition.

Article 10 A commercial bank shall accept the supervision and management of the banking supervision institution in accordance with the law, but if the law stipulates that its relevant business shall be subject to the supervision and management of other supervision and management departments or institutions, it shall follow its provisions.

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

The boss is called the People's Bank of China, which is responsible for the issuance of RMB and the financial management of the country, and has four specialized banks

1. Agricultural Bank of China -- mainly responsible for carrying out savings and lending business in the vast rural areas.

2. China Construction Bank - mainly responsible for the management of national infrastructure investment.

3. Industrial and Commercial Bank of China -- mainly responsible for carrying out savings and lending business in the city.

4. Bank of China -- mainly responsible for the management of foreign currency.

Now the business distinction of individual banks is not strict. The four major state-owned banks have gone through the development strategy of professional banks in the early days of the founding of the People's Republic of China, when each of them had a division of labor, and in the new century, each of them has basically become a comprehensive large-scale listed bank, and all of them have become among the world's top 500 enterprises. Today's four major banks are no longer single in business scope, and are working together towards the goal of comprehensive, international, and modern large-scale commercial banks.