What are the conditions for a branch to be upgraded to a branch 10

Circular of the People's Bank of China on the issue of upgrading the branches of commercial banks.

Issued by: People's Bank of China.

Document number: Yinyin Guan [1997] No. 67.

Published: 1997-6-25

Date of implementation: June 25, 1997

In order to strengthen the management of commercial bank branches, standardize the conditions for upgrading commercial bank branches, and prevent commercial bank branches from blindly being upgraded along with local administrative upgrades, the following notice is hereby given on the conditions for upgrading commercial bank branches to branches:

1. When each commercial bank sub-branch is upgraded to a branch, its head office shall allocate sufficient working capital of RMB 100 million.

2. The sub-branch to be upgraded must have a sound operation management system and risk prevention mechanism, meet the regulatory requirements of the People's Bank of China, and pass the annual inspection of the People's Bank of China for two consecutive years, and have no bad business records or serious violations.

3. The sub-branch to be upgraded must be profitable for more than two consecutive years.

4. Under the premise of satisfying the above conditions, the balance of assets of the sub-branch to be upgraded must reach more than RMB 800 million.

5. The upgrading of a commercial bank branch to a branch shall be included in the institutional development plan of the current year from the date of issuance of this article, and shall no longer be upgraded with the upgrading of the local administrative division.

Each commercial bank shall improve the measures for the management of its branches in accordance with the above conditions, and the upgrading of branches shall be reported to the People's Bank of China in accordance with relevant regulations and procedures.

People's Bank of China.

The total amount of deposits and loans reaches a certain amount. Or there is a special role that needs to be directly managed by the head office, such as Suzhou Industrial Park.

A branch is not a branch that can be established by meeting the conditions, but that the bank can become a branch if it wants to become a branch (but it must also depend on the area of the bank, if it is very likely to become a branch).

The main condition is that the bank submits a plan to the People's Bank of China for approval to open a new branch.

Because the bank has money, funds and stores are not a problem at all.

For example, if you want to open a shop on the street, you also need the approval of the industrial and commercial administration!

A1: To prepare for the establishment of a sub-branch in the same city, the following application materials shall be submitted in duplicate to the dispatched agency of the CBRC in the proposed place: (1) An application form (letter) signed by the person in charge of the proposed branch or an institution above the branch, including at least the name, location, amount of working capital and business scope of the proposed sub-branch; (2) The feasibility study report, which includes at least the basic information of the applicant, the analysis of the market prospect of the proposed institution, the development plan and organizational management structure of the future business; (3) The applicant's financial report for the last 2 years; (4) List of preparatory personnel and resume of the main person in charge; (5) The operation and management of the newly established institutions in the last one year; (6) Other materials required by the CBRC. 2. The applicant shall submit the following application materials in duplicate to the local CBRC dispatched agency to apply for the opening of a sub-branch in the same city:

1) The person in charge of the proposed branch or the institution above the branch shall be responsible for the local banking regulatory bureau.

Bank branches cannot be opened by individuals, and they are all invested by the head office.

1. To prepare for the establishment of a sub-branch in the same city, the following application materials shall be submitted in duplicate to the local CBRC dispatched agency:

1) An application form (letter) signed by the person in charge of the proposed local branch or an institution above the branch, including at least the name, location, amount of working capital and business scope of the proposed sub-branch in the same city;

(2) The feasibility study report, which includes at least the basic information of the applicant, the analysis of the market prospect of the proposed institution, the development plan and organizational management structure of the future business;

(3) The applicant's financial report for the last 2 years;

(4) List of preparatory personnel and resume of the main person in charge;

(5) The operation and management of the newly established institutions in the last one year;

(6) Other materials required by the CBRC.

2. The applicant shall submit the following application materials in duplicate to the local CBRC dispatched agency to apply for the opening of a sub-branch in the same city:

1) An application letter (letter) signed by the person in charge of the proposed branch or above to the person in charge of the local CBRC or the person in charge of the CBRC branch authorized by it, including at least the name, address, amount of working capital and business scope of the sub-branch in the city to be opened;

2) The application form prescribed by the CBRC;

3) Capital verification certificate issued by the statutory capital verification agency;

4) Relevant background information and a list of employees of the proposed senior management personnel;

5) A copy of the ownership certificate or the right to use the certificate of the business premises;

6) Copies of the certificate of conformity of the safety and fire protection facilities of the business premises and related certificates;

7) Other materials required by the CBRC.

A branch is a regional branch, and the bank branch where you do business is a sub-branch.

Generally speaking, the provincial branch is the first-level branch, and the municipal branch is the second-level branch. In counties below the city level, the institutions of county-level cities are sub-branches. Each branch has a branch office, as well as a number of branch offices and savings offices.

Bank of China Jiangsu Branch, Suzhou Branch, Xiangcheng District Branch.

Lu Muzhen's outlet is the branch business department).

A branch is at a higher level than a branch.

Supplementary information: The branch is the management of the sub-branch, which is the same as the provincial management city.

1. The structure of the bank.

At present, China's commercial banks are divided into: head office - branch - sub-branch, three levels, of course, if the large bank in the branch level will be further divided into provincial branches and municipal branches, in the branch level will set up more branches. So in the big banks a little bit more complete division into:

Head office - provincial branch - prefecture-level city branch - sub-branch - branch office.

On the one hand, the branch undertakes all kinds of tasks issued by the head office; The other party will further disassemble and distribute all kinds of tasks to each sub-branch, the head office assesses the branch, and the branch assesses the sub-branch.

2. The main responsibilities of branches and sub-branches.

The sub-branch is the first line of the bank, directly responsible for external contact, and the personnel of the sub-branch are mainly composed of operators (tellers) and marketing personnel (lobby managers, customer managers, financial managers), which is the first line of the bank and the direct external window of the bank. The sub-branch is the largest number of the three systems of the head office, a prefecture-level city has a few, more than hundreds of branches, but a prefecture-level city generally has a branch.

The branch is in the middle of the three systems of the head office, mainly the general responsibility of a region, there is no logistics management department in the branch, and the logistics management department is in the branch, such as: risk management department, comprehensive department, operation management department, human resources department, finance department, information technology department, financial market department, ** finance department, private banking department, asset and liability management department, legal protection department, credit review department, corporate finance department and so on. The branch does not have a marketing post, and is mainly responsible for the management of the entire area and the performance of the area.

If you are good at marketing and have certain network resources, then you can work hard in the branch, and the marketing personnel with performance not only have high income, but also promote quickly; If you are more introverted and not good at words, then you can choose to work in a branch, the branch management department generally has no performance pressure, the salary is stable, the pressure is less, and it is suitable for the elderly.

The branch is the most basic management and implementation unit of the bank, so it is very normal for a branch president to carry a number of indicators on his back. And often someone in the head office says something, such as hoping to know the specific data of the business as soon as possible, the branch will issue an order overnight, and the staff of the branch will have to work all night.

3. Summary. Branches and sub-branches, according to the company analogy, the branch is equivalent to a subsidiary for the head office; For the head office, the branch is equivalent to a grandson company. The branch is under the jurisdiction of the branch, and in terms of power alone, the power of the branch will be a little higher.

Head Office - Branch - Sub-branch, arranged from largest to smallest.

Generally, the bank that opened the account has a clear name, such as the Industrial and Commercial Bank of China Beijing Tongzhou Branch Liyuan Branch.

You can go to the bank at that time to inquire about the specific name.

1. The branch is established at the provincial level, and is mainly responsible for the business coordination and administrative management of the sub-branches under the jurisdiction of the province.

2. A sub-branch is a branch of a bank, which is the competent bank of a regional (district and county below the city, district and county-level city), and can manage the savings bank and branch office.

Banks generally have a head office, branches, sub-branches, branch offices, savings banks, etc. The general level is expressed as: head office - first-level branch (provincial bank) - second-level branch (municipal bank) - first-level branch (district, county, county-level municipal bank) - second-level branch (branch office or savings bank).

3. The opening bank of the bank card will generally be accurate to a certain branch, that is, the detailed location of the bank branch where you went when you applied for the card. The specific opening bank can directly call ** to ask the customer service staff of the corresponding bank card. Just follow the customer service prompts.

Head Office - Branch - Branch, which is arranged from largest to smallest. Generally, the banks that open accounts have relatively clear names, such as Industrial and Commercial Bank of China and Bei.

For large national banks, branches are generally at the provincial level, sub-branches are generally at the municipal level, and township level is generally business offices.

The branches of the Agricultural Bank of China refer to the regional name of the bank where the Agricultural Bank card is opened.

How to check the bank account opening bank:

1. Take the bank card ID card to the corresponding bank business hall for inquiry.

2. Call the banking service** for inquiries.

3. Use personal online banking to inquire about the opening bank.

Provincial-level branches are first-class branches, and municipal-level branches are second-level branches. Districts and counties below the city level, and the institutions of districts and county-level cities are sub-branches. Each branch has a branch office, as well as a number of branch offices and savings offices.

You can check the name of the opening bank in the following ways:

Source 1**Bank: Inquire about him.

The name of the branch of the opening bank of the Agricultural Bank of China refers to the place where the user's bank card is opened. How to inquire about the bank card opening bank: (1) Hold the bank card ID card to the corresponding bank business hall for inquiry.

2) Call the banking service** for an inquiry. (3) Use personal internet banking to inquire about the opening bank.

The head office is based on the province, the branch is based on the city, and the branch is based on the town or district, which is simply understood as a hierarchical system, the head office is larger than the branch, and the branch is larger than the branch, and their functions are the same, but the approval power is different.

It's like the relationship between the Ministry of Public Security, the Public Security Department, the Public Security Bureau, and the police station. They are all the same system, there is no legal relationship, the rights are different, and the work in charge is different.

Exactly what the bank looks at.

Come to, for example, the central bank's self.

The head office is different from the branch in Shanghai! Du Zhi branch plays a role in organizing and implementing the central bank's open DAO market operation! · The head office designated the policy or something, and the netizens downstairs said that they are right!

Branches are generally at the provincial level, sub-branches may be second, and the head office is the largest, and the legal relationship between them may be quite subsidiaries, because they have their own independent internal accounting, and they will submit financial information such as statements to their superiors. It may not be true, don't believe it)

The relationship between superiors and subordinates, the relationship between the leader and the led.