The difference between China s major banks, which are the major banks in China

1. The responsibilities of each bank are different:

Industrial and Commercial Bank of China: The basic task is to raise social funds through financing activities at home and abroad in accordance with national laws and regulations, strengthen the management of credit funds, support the production and technological transformation of enterprises, and serve China's economic construction.

Agricultural Bank of China: It is one of the four largest banks in China, an important part of China's financial system, and one of the world's top 500 enterprises. The total market capitalization ranks fifth among the world's listed banks.

Bank of China: Bank of China is the note-issuing bank in Hong Kong and Macau, with business scope covering commercial banking, investment banking, insurance and aviation leasing, and its subsidiaries include BOC International, BOC**, BOC Insurance, BOC Investment, BOC Hong Kong and other holding financial institutions, providing financial services to individual and corporate customers worldwide.

China Construction Bank: The main business areas include corporate banking, personal banking and treasury business, with branches in Hong Kong, Taiwan, Melbourne and other places to provide customers with comprehensive financial services.

Bank of Communications: It is a state-owned commercial bank and one of the note-issuing banks in modern China.

2. The business conditions are different.

3. The establishment time is different.

Industrial and Commercial Bank of China 95588 China Merchants Bank 95555 Agricultural Bank of China 95599 Bank of China 95566 China Construction Bank 95533 Postal Savings Bank of China 95580 China Everbright Bank 95595 China CITIC Bank 95558

Bank of Communications 95559 Industrial Bank 95561 Shanghai Pudong Development Bank 95528 Huaxia Bank 95577 Shenzhen Development Bank 95501 Guangdong Development Bank 95508 China Minsheng Bank 95568

Local Banks :

Bank of Beijing, Shenzhen Ping An Bank, Beijing Rural Commercial Bank, Bank of Tianjin, Bank of Shanghai, Shanghai Rural Commercial Bank, Bank of Nanjing, Bank of Ningbo, Bank of Hangzhou, Bank of Jiangsu, Shenzhen Rural Commercial Bank, Bank of Wenzhou, Xiamen International Bank, Bank of Qingdao, Bank of Chengdu, Harbin Bank, Bank of Chongqing, Banking Institutions:

People's Bank of China China Development Bank.

Agricultural Development Bank of China.

Foreign Banks :

Citigroup, Bank of China, HSBC, Bank of China, Standard Chartered, Bank of China, Hang Seng Bank, American Express, Bank of East Asia, China**.

Bank of China, Sichuan Branch.

Open an account with a debit card.

The cost of the card is 5 yuan, and the annual fee is 10 yuan.

This year, the annual fee for opening online banking will be waived for the first year, 5% off for online banking in the next year, and the normal fee for the third year will be 20 yuan a year.

I don't know about the other banks you mentioned.

It is different from place to place, and the preferential measures are also different.

You're talking about commercial banks that are controlled by stock prices, and they're basically the same, but there are also regions, but there's not much difference overall.

China's four major banks refer to the four large state-owned banks directly controlled by the state (Ministry of Finance, Biqian Huijin Company),[1-2] including: Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, and China Construction Bank (Industry, Agriculture, China, and Construction), also known as the four major banks, which represent the most abundant financial capital in China. [3-5]

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. [6-8]

The Industrial and Commercial Bank of China (ICBC) was established on January 1, 1984,[9] with its head office at No. 55 Fuxingmennei Street, Beijing,[10] and is a large state-owned bank managed by the largest state-owned bank. [11-12] It has the largest customer base in China, is one of the largest commercial banks in China, and one of the world's top 500 enterprises. [13]

On January 29, 2014, ICBC signed a share purchase agreement, whereby ICBC agreed to acquire 60% of the issued shares of Standard Bank Public **** from Standard Bank London Holdings, and Standard Bank Group **** signed the share purchase agreement as the guarantor of Standard Bank London's obligations under the share purchase agreement. In December 2014, ICBC's acquisition of Standard Bank was approved by the China Banking Regulatory Commission, the UK Prudential Regulation Authority and the South African Reserve Bank. [14]

On June 22, 2016, the "World Brand Conference" hosted by the World Brand Lab was held in Beijing, at which the analysis report of the 13th "China's 500 Most Valuable Brands" in 2016 was released, and ICBC ranked among the top three. [15] In August, ICBC ranked among the top 500 Chinese enterprises in 2016 and in February, Brand Finance released the list of the top 500 global brands in 2017, and ICBC ranked 10th

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1. From the perspective of profitability.

The Industrial and Commercial Bank of China has an annual profit of 100 million yuan, ranking first among the six major banks, and has become the most profitable bank in China, with the second place of China Construction Bank of 100 million yuan, and the third place of the Agricultural Bank of China 100 million yuan, both of which are significantly ahead, while the Postal Savings Bank has a net profit of 100 million yuan, ranking last.

2. From the perspective of non-performing loan ratio.

The non-performing ratio of the Agricultural Bank of China is the highest, and the non-performing rate of the Postal Savings Bank is the lowest. Through the comparison of various data, it can be seen that, on the whole, among the six major banks, ICBC is the strongest, and Postal Savings Bank is the most stable.

3. From the perspective of capital adequacy ratio.

CCB is safer: The capital adequacy ratio is the ratio of a bank's total capital to its risk-weighted assets, which is the capital ratio necessary to ensure the normal operation and development of banks and other financial institutions, and is an important indicator to measure a bank's risk resistance. CCB is better than other large state-owned banks in terms of capital adequacy ratio, indicating that CCB's ability to resist risks is also slightly stronger.