What kinds of banks are divided into from the administrative structure?

Banks are divided into four categories from the management structure. Administrative Division: Head Office, branches, sub-branches, sub-branches and business outlets (savings offices) from top to bottom. According to the content: branch = savings office = business outlet, which can also be understood as counter.

By function, the head office is equal to the board of directors, branches are equal to the general manager, sub-branches are equal to the deputy general manager, and branches or business outlets or savings offices are equal to departments or departments.

Savings offices mainly handle personal savings business, such as deposit, withdrawal and collection of water and electricity charges. For the main individuals of the customer base, some key businesses can only be handled at the savings counter or designated outlets of the branch.

Branches mainly handle corporate business, that is, the business of enterprises and institutions, such as deposits and loans. , mainly for the unit. Now some sub-branches have also set up savings counters to handle personal business.

Sub-branches, sub-branches are relatively grass-roots units, and there are also sub-branches or sub-branches under the jurisdiction of savings offices. If the branch does not open a branch, then the branch is mainly responsible for the approval of some projects.

Branches include tier-one branches and tier-two branches. Tier 1 branches, such as Beijing Branch, Shanghai Branch and Guangdong Branch, are municipalities directly under the Central Government or provincial branches. The secondary branch is a municipal branch, such as Changde Branch in Hunan Province, which has a wider business scope and higher authority than the sub-branch. If the credit approval authority of the sub-branch is 65.438+0 billion, then the behavior of the sub-branch is 65.438+0 billion.

Head office, each bank has only one head office. For example, the head office of ICBC is located in Beijing, and the head office of China Merchants Bank is located in Shenzhen, which generally governs all businesses within the system, including policy formulation and business norms, or national and even overseas businesses.