What banks are there in America?

1. What banks are there in the United States?

There are many American banks, such as Citigroup and Bank of America.

Second, the problems existing in the personal consumption credit business of American commercial banks.

Look at this. Don't! Developing consumer credit is to expand domestic demand, which is conducive to improving consumption tendency and expanding domestic demand. Opening the domestic market and expanding domestic demand are the basis of China's economic development. Effective consumption is the long-term stable growth of China's economy. At present, China's economic operation is characterized by relative oversupply and deflation. On the other hand, the household savings rate is increasing day by day, and the marginal propensity to consume is decreasing. In this case, the state has successively introduced a series of fiscal and monetary policies to expand investment demand in recent years. However, from the perspective of consumption, the role of the consumer market is still limited, and further expansion of domestic demand and consumption depends on the development of consumer credit. As we all know, if investment and economic growth want to be sustained, consumer demand must keep up in time, and developing credit consumption is an important way to expand consumer demand. From the whole society, there is a certain lag between consumption and production because consumption and production cannot be completely synchronized. The implementation of consumer credit is helpful to increase spot consumption and maintain a virtuous circle between production and consumption. In the current economic situation, consumer credit is particularly meaningful. Consumer credit is an effective means to adjust the current macro-economy. A prominent problem among consumers is to actively carry out consumer credit, which can support the expansion of demand and achieve the purpose of starting the consumer goods market and stimulating economic growth. The government guides consumers' consumption investment through consumer credit, consciously accelerates or delays the social realization of certain consumption, and can also effectively promote the adjustment and upgrading of industrial structure, realize the optimization of economic structure, and make economic growth enter a virtuous circle. Second, growth provides the impetus. The growth of consumption is always the starting point and destination of economic activities, and consumption orientation is also the upgrading of the demand structure of market economy, which is the fundamental driving force for the expansion of economic scale and the evolution of economy to a higher level. The contribution rate of economic growth was originally 66.4%, and that of the United States was 68%. In China, this indicator is about 0, and credit consumption accounts for 30% of its total consumption. According to this calculation, in China, the consumption can be increased by 13, and the consumption growth rate is about 4.5%, which will eventually boost the economic growth by 2.3%. After reaching a well-off society, facing up to consumption upgrading is one of the important characteristics, which will also enable some residents with urgent economic strength to realize the demand for high-value consumer goods such as houses and automobiles in advance through consumer credit, thus promoting the smooth realization of social consumption upgrading. In fact, consumer credit is money earned by a person or even a nation with confidence. Therefore, through development, we can organically change the traditional restrictions on consumer goods, stimulate the labor rate of workers, and finally improve people's consumption and living standards. Finally, the development of consumer credit can optimize the combination of society and machine, thus improving the internal restraint mechanism of credit and improving the credit level of the whole society. In terms of organizational structure, residents have high creditor's rights, government and enterprises. Risks and benefits are absolutely separated. Developing consumer credit can optimize the structure of residents' assets and combine residents' income with consumption patterns. Consumer credit and savings have opposite effects on currency circulation. The former means using future income now, while the latter means that present income will be reused in the future. Developing consumer credit is also an important measure to establish a mechanism for transforming market savings into investment. In addition, the development of consumer credit can be one of the powerful tools to expand the production and debt structure of monetary policy and credit policy. So far, the monetary credit policy has played a role in promoting production in the shortage economy, and through consumer credit, the monetary credit policy can be extended to the consumption field and a consumption-oriented economic growth mode can be established. In addition, the expansion of the scope of policy actions will help banks adjust their asset-liability structure and improve efficiency and effectiveness. China has accumulated some experience in developing credit funds. 1In March, 1999, the People's Bank of China issued the Guiding Opinions on Developing Personal Consumption Credit. In order to actively and steadily carry out this business, the head office of Industrial and Commercial Bank of China launched a pilot project of personal credit business for large consumer goods in Shanghai and Tianjin. Since the pilot, both branches of ICBC have achieved good results and accumulated valuable experience in developing consumer credit. The experience of China Industrial and Commercial Bank Shanghai Branch in consumer credit is worth learning from in four aspects: organization, standardized operation, risk prevention and business training. First, special acceptance and centralized loan examination. Personal loan applications are specially accepted by durable consumer goods stores signed with branches, and loan approval is managed by the durable consumer goods credit department specially established by branches. Strive to achieve "three unifications" in practical work: (1) unified publicity. The branch uniformly printed promotional materials for durable consumer goods loans and put them in the contracted stores according to the unified requirements; The branch conducts centralized publicity in various media with a unified caliber, so that the popularity and influence of this credit business in the society are expanding day by day. (2) Unified loan review. The consumer durables credit department is specifically responsible for this work. As long as all the materials provided by consumers are true and reliable and meet the loan conditions, the loan procedures can be completed at one time in the consumer goods credit department of the branch. In order to facilitate consumers in remote areas to handle loan procedures nearby, the branch intends to entrust relevant departments and banks with the approval of the consumer goods credit department of the branch. For some commercial centers or shops with large business volume, it is planned that the Consumer Credit Department will send staff to the shops to handle the loan procedures for borrowers and complete the investigation and preliminary examination procedures, and send staff to the shops to collect bills every day to conduct credit investigation and loan audit in a unified manner, so that borrowers can complete the procedures and get the goods in the shortest time. (3) Unified management. The credit department of durable consumer goods uniformly issues and accounts for this loan, and centrally manages creditor's rights, including collection of overdue loans and collection of overdue loans. The department also implements special account management and sets up special debit card accounts and ledgers to prevent loan risks. Second, standardize procedures and strictly operate. The specific business practice is: (1) The borrower selects the goods in the special store of ICBC, fills in the Application Form for Personal Durable Consumer Goods Loan, and pays the down payment (down payment) after the initial review by the store. There are two types of down payment: if the loan amount is less than 50,000 yuan (including 50,000 yuan), the down payment amount is 20% of the total amount of purchased goods; If the loan amount is more than 50,000 yuan, the down payment amount is 30% of the total amount of purchased goods; (2) The store shall submit the down payment receipt and application form (in triplicate, one for the customer, one for the store to keep the goods and one for the bank) together with relevant information provided by the customer, such as my ID card, household registration book, loan contract, mortgage contract, guarantee contract and chattel pledge contract, etc. to ICBC. (3) The borrower shall go through the application procedures (including signing loan contract, guarantee or mortgage pledge contract) at the acceptance point agreed with ICBC according to the application conditions and attached relevant materials. (4) After the bank has passed the examination, it will issue an approval notice to inform the store to deliver the goods. (5) The store informs the customer to pick up the goods, and requires to sign for it when picking up the goods. (6) After the store delivers the goods, fill out a Notice of Personal Durable Consumer Goods Loan Transfer, and attach a "receipt" to the bank to prompt the loan. (7) The bank will transfer the loan applied by the borrower to its exclusive account opened in China Industrial and Commercial Bank. (8) The borrower deposits the money into the Peony Card or ICBC Universal Deposit Passbook on the agreed repayment date (8th or18th) every month, and the bank deducts the money according to its authorized content on the deduction date. Third, separation of examination and loan, authorized operation. In order to guard against loan risks, Shanghai Branch insisted on the separation of loan examination and approval while requiring borrowers to go through the formalities of guarantee, mortgage and pledge. First of all, in terms of institutional setup, the loan review department of the Consumer Credit Department is responsible for the loan review, and the loan examiner is responsible for the branch loan review section chief and the in-charge president, and is not subordinate to the Consumer Credit Department in administrative relations. Secondly, in the process of loan approval, the investigator of the Consumer Goods Credit Department reported the borrower's loan application information to the investigation section chief for approval, then sent it to the salesman and section chief of the loan department for secondary approval, and then reported it to the general manager of the Consumer Goods Credit Department for approval. Among them, the general manager is responsible for loans below 50,000 yuan, and loans above 50,000 yuan are reported to the branch president for approval. Third, on the basis of entrusting the store to review the borrower's loan application, the investigator or the investigation supervisor can only review the investigation data in writing without meeting the borrower. The credit management of consumer goods implements the system of separation of loan and trial, and strives to effectively avoid loan risks in organizational management and loan issuance procedures. At the same time, in order to make the consumer goods loan business open quickly, on the basis of reducing and controlling the loan risk, the branch will strictly implement the loan guarantee, mortgage and pledge procedures for loans above 6,543,800 yuan, and resolutely refuse loans if the guarantee, mortgage and pledge measures are not implemented. Fourth, extensive training and strengthening marketing. The branch has organized the relevant credit cadres and the leaders and business personnel of special stores in the bank to conduct business training for many times, and adopted the methods of combining big classes with small meetings and combining on-site counseling with key guidance, so that the credit cadres engaged in consumer goods credit and the main leaders and business personnel of special stores have a more comprehensive and clear understanding of bank loan management, which has laid a certain foundation for the rapid development of durable consumer goods loans. In addition, in order to let consumers have a basic understanding of personal large-scale durable consumer goods loans, the branch not only stepped up publicity in newspapers and radio stations, but also organized relevant credit cadres to set up booths in major commercial streets such as downtown and Nanjing Road for consultation and publicity, which had a good response among the general public and played a good role in promoting business development. The basic ways for China Industrial and Commercial Bank Tianjin Branch to develop personal durable consumer goods loan business are as follows: First, determine the brand image of the business and vigorously carry out all-round and multi-angle publicity and promotion. Establish a unified business brand image, name personal large-scale durable consumer goods loans as "credit home purchase project" as the brand theme for marketing, and at the same time determine the propaganda slogan of "tomorrow's money will be spent today, and the doctor of finance will come to my home". We also hired a professional advertising company to package the brand image, launched a powerful propaganda offensive and held large-scale consulting activities; The second is to actively serve commercial enterprises and develop special customers. Simplify the procedures of merchants as much as possible in operation, and only require merchants to issue "recommendation letters" to banks when consumers buy goods, and handle delivery procedures for consumers when banks transfer loans and down payments to enterprises; Third, business departments should coordinate and give full play to the overall advantages of the Bank. The development of personal consumption credit business is not only the work of credit department, but also the cooperation of savings, credit card, accounting, computer and law departments. Give full play to the advantages of the whole bank, and implement the opinions on the implementation of loan management measures, the formulation of loan operation rules and accounting methods, the review of loan contracts and other legal documents, the compilation of computer programs, publicity reports and other work in a relatively short period of time. In addition, the national macroeconomic policies have created favorable external economic conditions for the development of consumer credit. The state continues to take expanding domestic demand and starting the market as the main tasks of the government's macro-control at present and in the future, and takes developing consumer credit as an important means to expand domestic demand. Therefore, the state will inevitably take more effective measures to develop consumer credit. Mobilize the enthusiasm of consumers through a series of measures such as further relaxing policies and reducing taxes and fees; At the same time, the state will vigorously strengthen infrastructure construction, optimize the consumption environment, and create favorable conditions for consumer credit for durable consumer goods such as housing and automobiles.

3. Who are the four largest banks in America?

Among the top 500 companies in the world, there are eight banks in the United States, namely JPMorgan Chase Company, Bank of America, Wells Fargo, Citigroup, Morgan Stanley, Goldman Sachs, First Capital Finance Company and United Bank. The four largest banks in the United States are JPMorgan Chase Company, Bank of America, Wells Fargo and Citigroup.

1, JPMorgan Chase company

JPMorgan Chase Company was formed by the merger of J.P. Morgan Company and Chase Manhattan Company in February 2000, and its headquarters is in new york, USA.

In 20 18, JPMorgan Chase ranked 47th among the top 500 companies in the world, with revenue of1138.99 million USD and net profit of 2,444,438+0 million USD.

2. Bank of America

Bank of America, founded in 1968 and headquartered in San Francisco, ranked 60th among the world's top 500 banks in 20 18, with revenue of 100264 million USD and net profit of 18232 million USD.

3. Wells Fargo Bank of America Branch

Wells Fargo was founded in 1852 and its headquarters is in San Francisco. In 20 18, Wells Fargo ranked 62nd in the world top 500, with revenue of 977.445438+0 and net profit of 2265438+83 million.

4. Citigroup (American company)

Citigroup was formed by the merger of Citibank in new york and the First Bank of new york in 1955. Its headquarters is in new york. In 20 18, Citigroup ranked 76th among the top 500 companies in the world, with revenue of $87.966 and net profit of $6.798 billion.

Comparison of profits of the four major banks

Comparison of income of four major banks

Comparison of assets of four major banks

There is still a gap between the assets, profits and income of the four major banks in the United States and China Industrial and Commercial Bank, the largest bank in China.

4. Which banks in the United States have personal consumer credit business?

Personal consumption loans have the following banks: 1. Bank of China (USA), located in Building 2, Aslan Industrial Park, USA; The company's business scope involves many banks such as the United States, France, Britain and Canada. 3. ICBC provides customers with quality products; 4. Bank of China, located in Hongkong Economic and Technological Development Zone, I hope it will help you.