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Anonymous users2024-02-12Difference Between Joint-Stock Banks and State-Owned Banks.
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Anonymous users2024-02-11After the share reform, all banks became joint-stock banks.
Now the company has been listed, but the first controlling shareholder still belongs to the State-owned Assets Supervision and Administration Commission.
How to distinguish it now depends on whether his major shareholder is the state, or other enterprises or foreign financial institutions.
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Anonymous users2024-02-10The Bank of China, the Industrial and Commercial Bank of China, the China Construction Bank, and the Agricultural Bank of China are state-owned.
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Anonymous users2024-02-091. Conceptually speaking, a state-owned bank means a bank wholly owned by the state, that is, the economic nature of the enterprise is: ownership by the whole people.
Including ** banks and state-owned commercial banks.
**Bank: People's Bank of China.
State-owned commercial banks, including: Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications, and Postal Savings Bank of China.
2. Joint-stock commercial banks are a type of commercial banks. There are 12 national joint-stock commercial banks in China: China Merchants Bank, Shanghai Pudong Development Bank, China CITIC Bank, China Everbright Bank, Huaxia Bank, China Minsheng Bank, Guangfa Bank, Industrial Bank, Ping An Bank, Zheshang Bank, Hengfeng Bank and Bohai Bank.
3. Bank of Communications is a state-owned commercial bank.
The four and five major banks are 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.
Extended Information: Business Model of Commercial Banks:
There are two business models for 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. That is, borrowing deposits at a lower interest rate and lending at a higher interest rate, the interest rate difference between deposits and loans is the main profit of commercial banks, and this business model is relatively safe and reliable for banks.
The other is the German type, and its business is integrated. Commercial banks not only finance short-term commercial funds, but also long-term fixed capital, that is, engage in investment banking business.
China implements a separate business model. On December 27, 2003, the Sixth Session of the Standing Committee of the Tenth National People's Congress adopted the Decision on Amending the Law of the People's Republic of China on Commercial Banks.
The new Commercial Bank Law has amended the relevant provisions of the original Commercial Bank Law prohibiting mixed business operations. On August 29, 2015, the 16th meeting of the Standing Committee of the National People's Congress deliberated and passed the Amendment to the Commercial Bank Law of the People's Republic of China (Draft), which came into force on October 1, 2015. The amendment makes two amendments to the original Commercial Bank Law of the People's Republic of China:
The first is to delete Article 39, paragraph 1, subparagraph 2; The second is to delete the "deposit and loan ratio" in Paragraph 3 of Article 75.
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Anonymous users2024-02-08A joint-stock bank is a type of commercial bank. There are 12 joint-stock commercial banks in China, including China Merchants Bank, Shanghai Pudong Development Bank, China CITIC Bank, China Everbright Bank, and Huaxia Bank.
Commercial banks, although state-owned banks should be a little safer, but commercial banks are closer to life, there are many small counties and towns that do not necessarily have state-owned banks, but the simple Industrial and Commercial Bank of China and the Agricultural Bank of China will definitely have them.
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