Organizational forms of commercial banks

The organizational forms of commercial banks include single system, branch system, group system, chain system and bank holding company system.

1, single system

Single banking system refers to a form of banking organization in which all businesses are carried out by relatively independent commercial banks without setting up branches. This system is mainly concentrated in the United States.

2. Branching system

Outside the head office, branches are generally set up, and all the business of branches is handled in accordance with the instructions of the head office. The head office is only responsible for managing and controlling branches and is not open to the outside world. Single banks are small in scale and high in operating costs, making it difficult to achieve economies of scale; The single banking system is full of independence and autonomy, with few internal levels, flexible business operation and easy management.

Extended data:

Business model of commercial banks:

1. From the development of commercial banks, commercial banks have two business models. One is the British model. Commercial banks mainly finance short-term commercial funds, which have the characteristics of short lending period and high liquidity.

2. That is to borrow deposits at a lower interest rate and lend loans at a higher interest rate. The deposit-loan spread is the main profit of commercial banks. This business model is relatively safe and reliable for banks. The other one is from Germany, and its business is comprehensive. Commercial banks not only finance short-term commercial funds, but also finance long-term fixed capital, that is, engage in investment banking business.

3. China implements a separate business model. In order to adapt to the current characteristics of separate operation and the development trend of mixed operation in China, the Sixth Session of the Standing Committee of the Tenth NPC passed the "On Revision" on February 27th, 2003.

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