Is the bank a state department, a state-owned enterprise or a private enterprise? What's the difference between major banks?

Banks cannot be classified as state-owned enterprises or private enterprises in such a general way. Now there are all kinds of banks in China, depending on the specific situation. ?

The differences are as follows:

1, People's Bank of China

It is the central bank of China, not an enterprise, but a government department.

2. Three major policy banks:

China Development Bank, China Agricultural Development Bank, The Export-Import Bank of China. These are not legal persons, not for profit, but also the nature of state organs. ?

3. There are five national commercial banks:

China Construction Bank, Industrial and Commercial Bank of China, China Bank, Agricultural Bank and Bank of Communications are all state-owned joint-stock commercial banks, that is, state-controlled banks.

4. Local state-owned commercial banks:

Existing in major cities in the first and second lines, generally known as XX City Commercial Bank, it was reorganized from the original city credit cooperatives. ?

5. Private joint-stock commercial banks

For example, Shenzhen Development Bank, Shanghai Pudong Development Bank and Xingye are all privately run.

Extended data:

Present situation and trend

As the absolute core of China's financial system, the banking industry has always maintained a healthy and stable operation. Undeniably, affected by the financial crisis and domestic economic restructuring, the domestic banking industry is facing a series of profound challenges that cannot be ignored. However, in the post-financial crisis era, China's banking industry is still facing an extremely complicated external operating environment.

Global economic integration and the uncertainty of economic and financial environment also make the risks faced by commercial banks present new characteristics such as complexity, suddenness, proliferation and rapid spread. In terms of market competition, with the development of financial market and the continuous improvement of openness, the competition pattern, competition space and competitors faced by large banks have undergone and are continuing to undergo profound changes.

China banking industry should take long-term reputation and strength as the guarantee, rely on credit and network advantages, take extensive customer resources and information resources as the platform, focus on developed coastal cities, comprehensively optimize and upgrade traditional advantageous businesses, actively expand new investment banking businesses such as financial consultants, syndicated loans, leveraged financing and corporate mergers and acquisitions, strengthen forward-looking research on marginal investment banking business, and strive to achieve large-scale operation of investment banking business.

References:

Baidu Encyclopedia: Banks