China Construction Bank was established in 1954, 10, 1 (it was then named People's Construction Bank of China, and was renamed China Construction Bank on March 26th, 1996).
Since its establishment, China Construction Bank has experienced three stages:
The first stage is the period of dealing with the state financial allocation. 1954 10 after the establishment of China Construction Bank by the decision of the State Council, the central people's government, its task is to handle the allocation of national capital construction investment, manage and supervise the use of capital construction funds within the national budget and the self-raised capital construction funds of departments and units. For decades, China Construction Bank has made outstanding contributions to improving investment efficiency and accelerating national economic construction and development.
The second stage is the period of national specialized banks. Since the mid-1980s, in order to meet the requirements of economic and financial system reform and economic development, China Construction Bank has successively launched cash cashier, household savings, fixed assets loans, working capital loans for industrial and commercial enterprises, international finance, housing loans and various agency services. By opening various commercial banking services to the public, the functions of banks have been enriched and a solid foundation has been laid for the transition to modern commercial banks.
The third stage is the period of state-owned commercial banks. From 65438 to 0994, according to the requirements of the national investment and financing system reform, China Construction Bank handed over its financial functions and policy capital construction loan business to the Ministry of Finance and the China Development Bank respectively, taking an important step from its functions to a modern commercial bank.
After nearly 50 years of reform and development, China Construction Bank has the strength to participate in domestic and international market competition. By the end of June 2004, the total assets were 3,722.8 billion yuan and the total liabilities were 3,522.3 billion yuan. The capital adequacy ratio reached 8. 17%. According to statistics at home and abroad, the balance of non-performing loans of the whole bank was 65.765438 billion yuan, and the non-performing loan ratio was 3.08%, reaching the standard of 3-5% required by the CBRC. Domestic and overseas business branches 1540 1, including 6 overseas branches and 2 overseas representative offices. The bank has 263,000 full-time employees. At the same time, it wholly owns CCB, holding 43.35% equity of China International Capital Corporation and 75. 1% equity of Sino-German Housing Savings Bank.
On September 15, 2004, Central Huijin Investment Co., Ltd., China Yin Jian Investment Co., Ltd., State Grid Corporation, Shanghai Baosteel Group Corporation and China Changjiang Power Co., Ltd. held a meeting in Beijing and decided to jointly establish China Construction Bank Co., Ltd., and China Construction Bank will be transformed from a wholly state-owned commercial bank into a state-controlled joint-stock commercial bank.
After China Construction Bank was restructured into a state-controlled joint-stock commercial bank, its name was China Construction Bank Co., Ltd., referred to as China Construction Bank. China Construction Bank Co., Ltd. inherited the commercial banking business and related assets, liabilities and rights and interests of the former China Construction Bank.
After the establishment of China Construction Bank Co., Ltd., strategic investors will be introduced to further realize equity diversification and improve the corporate governance structure. At the same time, we will continue to comprehensively promote various management reforms, promote performance progress, and strive to turn China Construction Bank Co., Ltd. into a modern joint-stock commercial bank with sufficient capital, strict internal control, safe operation, good service and good benefits. Since then, China Construction Bank has started a new journey in the development process!
(1) Company's business and products: credit fund loans, residents' savings deposits, foreign exchange business, credit card business, policy-based housing reform finance, personal housing mortgage loans and other businesses.
(B) Development strategy: "China Construction Bank, building a modern life" is the essence of CCB people's philosophy and pursuit. Entering the 2 1 century, CCB will seek a broader service field and development space with excellent performance and continuous innovation.
(III) Company Scale: CCB has set up three branches and four representative offices in Hong Kong, Frankfurt and Singapore overseas. China Construction Bank has established correspondent bank relations with 600 banks around the world, covering nearly 80 countries on five continents.
(4) The key to success: we must strengthen the bank management and corporate governance structure, so that the internal reform measures of banks can be effectively implemented; We must persist in and deepen the reform of the credit system, including loan guarantee, portfolio management and bad debt solutions, integrate with the international community as soon as possible, and improve our ability to find asset quality problems and propose solutions as soon as possible; Adhere to and promote the reform of personnel and incentive mechanism, mobilize the enthusiasm of all employees, and ensure the high quality of employees.
[Editor] The logo of China Construction Bank
The inner and outer circular figures based on ancient copper coins have distinct bank attributes, which mainly reflect the "Fiona Fang" characteristics of China Construction Bank and represent rigor, standardization and seriousness; The circle symbolizes perfection, affinity and tolerance.
The change in the upper right corner of the graph forms an overlapping three-dimensional effect, representing the English abbreviations of "China" and "Architecture", that is, the overlap of two C letters, implying accumulation, symbolizing the development and growth of China Construction Bank in the process of capital accumulation, and providing services for China's economic construction.
The graphics break through the closed circle, symbolizing the integration of ancient culture and modern management concepts, and implying that China Construction Bank is rooted in China and facing the world in the brand-new modern economic construction.
The standard color is sea blue, which symbolizes rationality, tolerance, peace and stability, embodies the demeanor of state-owned commercial banks, and implies that China Construction Bank attracts talents and funds from all sides like the sea.
[Editor's Note] Development of China Construction Bank
China Construction Bank was established in June 1954+ 10/0/. The basic background of the establishment of China Construction Bank is that with the implementation of People's Republic of China (PRC)'s first five-year plan to develop the national economy, large-scale economic construction centered on 156 key projects has been launched all over the country. In order to manage the huge construction funds, China Construction Bank came into being, and started a hard and glorious course.
During the more than 20 years from 1954 to 1978, China Construction Bank mainly undertook the responsibilities of centralized handling of national capital construction budget allocation and enterprise self-raised funds allocation, supervising the rational use of funds, issuing short-term loans to construction enterprises and handling basic business settlement business. China Construction Bank's services closely follow the pace of China's construction, covering every construction hotspot in the motherland, and have made outstanding contributions to improving the national investment efficiency, supporting the national financial balance and the rapid economic development of China.
Since the late 1970s and early 1980s, China Construction Bank has continuously expanded its banking functions while inheriting its original functions. It has successively launched credit fund loans, residents' savings deposits, foreign exchange business, credit card business, policy-based housing reform finance, personal housing mortgage loans and other businesses. After more than ten years of reform and development, CCB's various businesses have developed rapidly, and its credit assets and liabilities have increased dozens of times. From a bank that only manages financial funds and supervises infrastructure allocation, it has developed into a national professional bank that handles financial investment and credit business at the same time. It not only has fixed assets investment credit, but also supports working capital loans, including domestic financial business and international financial business, with medium and long-term credit as its main business.
1994 is an important turning point in the development of China Construction Bank. According to the government's demand for the reform of investment system and financial system, China Construction Bank will hand over the long-term financial agency function and policy loan function to the Ministry of Finance and the newly established National Development Bank respectively, and begin to comprehensively reform the management system according to the requirements of commercial banks.
At the end of 1994, China Construction Bank successively carried out or was carrying out a series of major reforms in fund management system, credit management system, financial management system, accounting system, etc., and the head office and tier-1 branches strengthened their centralized and unified fund dispatching and operation capabilities, and the financial accounting system was further in line with international standards. At the same time, CCB also repositioned its customer management strategy and regional management strategy. Therefore, China Construction Bank has achieved faster development and better operating efficiency. China Construction Bank has entered a new stage of reform and development.
Since1March, 1996, China Construction Bank began to use its current name and introduced the enterprise identification system. Almost overnight, thousands of offices and outlets across the bank began to use new image recognition signs. This blue emblem and black three-dimensional name reveal the stable, eclectic and constantly developing business style of this reforming commercial bank; It expresses an unchanging idea, that is, to take root in China and build a modern life.
Since 1994, China Construction Bank has adjusted its branches and savings outlets all over the country. While merging some county branches, the number of outlets in national central cities has been increased, and with the adjustment of corresponding credit policies, the operation in central cities has been further strengthened.
Since 1994, the non-spread business of China Construction Bank has made great progress.
The fund settlement system based on 1996 can provide customers with fast, safe and efficient electronic remittance service, and realize the fund settlement in the remote system within 24 hours. On this basis, a national sales fund settlement network has been established for a number of enterprises to provide fund settlement transaction support for many domestic businessmen.
From the early 1990s, in less than five years, the transition from stand-alone operation to the development and application of the whole bank network including electronic fund settlement system and dragon card network was basically completed. Construction bank system, general ledger transmission system and e-mail system, and also realized networking with SWIFT system. In addition to the whole bank network, many regional trading networks have been established around large and medium-sized cities. As of 1997, 2 10 city banks have completed the construction of "urban integrated network system" and realized the connection with the network system of the whole bank.
In recent years, China Construction Bank has continued to give full play to its long-established business advantages and specialties, maintaining a large amount of credit investment in national economic infrastructure and basic industries such as highways, railways, telecommunications, power grids and urban construction, and credit investment in large enterprises with good benefits, and at the same time increasing credit investment in small and medium-sized enterprises with good development prospects in a timely manner. At present, CCB has established a comprehensive financial service relationship with nearly 500 large and medium-sized enterprises, and established a national sales settlement cooperation network with more than 10 super-large enterprises. In addition to establishing a sales settlement network for super-large enterprises, it also provides a variety of settlement services for many production enterprises, commercial enterprises and financial enterprises by virtue of the advantages of settlement means, especially for FAW-Volkswagen, Chunlan and other enterprises, which successfully developed a fund settlement scheme and provided fast and safe settlement services.
Successfully expanded the financial services of information product manufacturing, information service industry and high-grade highway construction. The increase of credit investment in high-growth economy has played an obvious role in the adjustment of CCB's asset structure and created conditions for further improving its operating efficiency. The standard color is sea blue, which symbolizes rationality, tolerance, peace and stability, and implies that China Construction Bank absorbs talents and funds from all sides like the sea.
[Editor] Directory of Financial Institutions in China: China Construction Bank
China Construction Bank is a state-owned commercial bank featuring medium and long-term credit business. Headquartered in Beijing, it conducts business in China and major international financial centers. In July of 20001year, China Construction Bank ranked 29th in the global ranking of Banker magazine 1000 big banks.
-China Construction Bank was established in June 1954+ 10/0/. The basic background of the establishment of China Construction Bank is that with the implementation of People's Republic of China (PRC)'s first five-year plan to develop the national economy, large-scale economic construction centered on 156 key projects has been launched in various parts of the country. In order to manage the huge construction funds, China Construction Bank came into being, and started a hard and glorious course.
During the 20 years from 1954 to 1978, China Construction Bank mainly undertook the responsibilities of centralized handling of national capital construction budget allocation and enterprise self-raised fund distribution, supervising the rational use of funds, issuing short-term loans to construction enterprises and handling basic business settlement business. China Construction Bank's services closely follow the pace of China's construction, covering every construction hotspot in the motherland, and have made outstanding contributions to improving the national investment efficiency, supporting the national financial balance and the rapid economic development of China.
-Since the end of 1970s and the beginning of 1980s, China Construction Bank has continuously expanded its banking functions while inheriting its original functions, and successively launched credit fund loans, residents' savings deposits, foreign exchange business, credit card business, policy-based housing reform finance, personal housing mortgage loan and other businesses. After more than ten years of reform and development, CCB's various businesses have developed rapidly, and its credit assets and liabilities have increased dozens of times. From a bank that only manages financial funds and supervises infrastructure allocation, it has developed into a national professional bank that handles financial investment and credit business at the same time. It not only has fixed assets investment credit, but also supports working capital loans, including domestic financial business and international financial business, with medium and long-term credit as its main business.
1994 is an important turning point in the development of China Construction Bank. According to the government's demand for the reform of investment system and financial system, China Construction Bank will hand over the long-term financial agency function and policy loan function to the Ministry of Finance and the newly established National Development Bank respectively, and begin to comprehensively reform the management system according to the requirements of commercial banks.
-1At the end of 1994, CCB carried out or was carrying out a series of major reforms in fund management system, credit management system, financial management system and accounting system. The ability of the head office and tier-one branches to centrally dispatch and manage funds was enhanced, and the financial accounting system was further in line with international standards. At the same time, CCB also repositioned its customer management strategy and regional management strategy. Therefore, China Construction Bank has achieved faster development and better operating efficiency. China Construction Bank has entered a new stage of reform and development.
-Since March 1996, China Construction Bank has started to use its current name and introduced the enterprise identification system. Almost overnight, thousands of offices and business outlets across the bank began to use new image recognition signs. This blue emblem and black three-dimensional name reveal the stable, eclectic and constantly developing business style of this reforming commercial bank; It expresses an unchanging idea, that is, to take root in China and build a modern life.
-Since 1994, China Construction Bank has adjusted its branches and savings outlets all over the country. While merging some county sub-branches, the number of outlets in national central cities has been increased, and the operation in central cities has been further strengthened with the adjustment of corresponding credit policies.
China Construction Bank attaches great importance to the development of overseas business. At present, CCB has set up three branches and four representative offices in Hong Kong, Frankfurt and Singapore overseas. China Construction Bank has established correspondent bank relations with 600 banks around the world, covering nearly 80 countries on five continents. Raising funds in the international financial market by issuing bonds and organizing bank loans is CCB's dominant business, which has become an important bridge between international financial capital and China's economic construction.
-Before the return of Hong Kong, the business of China Construction Bank in Hong Kong had begun to take shape. After the return of Hong Kong, its business has developed rapidly. At present, CCB has participated in a number of banks and finance companies in Hong Kong, becoming the largest shareholder of CCB.
-China Construction Bank pays attention to the application of modern technology in banking business. From the early 1990s, in less than five years, it basically completed the transformation from single-machine operation to the development and application of the whole bank's networking, including electronic fund settlement system, networking transactions of Longka network and so on. Construction bank system, general ledger transmission system and e-mail system, and also realized networking with SWIFT system. In addition to the whole bank network, many regional trading networks have been established around large and medium-sized cities. As of 1997, 2 10 city banks have completed the construction of "urban integrated network system" and realized the connection with the network system of the whole bank.
Supported by the wide application of computer technology, the service level of CCB has been continuously improved and the service varieties have been continuously innovated. The fund settlement system based on 1996 can provide customers with fast, safe and efficient electronic remittance service, and realize the fund settlement in the remote system within 24 hours. On this basis, a national sales fund settlement network has been established for a number of enterprises to provide fund settlement transaction support for many domestic businessmen.
—— In recent years, China Construction Bank has continued to give full play to its long-established business advantages and specialties, and has maintained a large credit investment in national economic infrastructure and basic industries such as highways, railways, telecommunications, power grids and urban construction, as well as large-scale enterprises with good benefits, and at the same time, increased credit investment in small and medium-sized enterprises with good development prospects in a timely manner. At present, CCB has established a comprehensive financial service relationship with nearly 500 large and medium-sized enterprises, and established a national sales settlement cooperation network with more than 10 super-large enterprises. Successfully expanded the financial services of information product manufacturing, information service industry and high-grade highway construction. The increase of credit investment in high-growth economy has played an obvious role in the adjustment of CCB's asset structure and created conditions for further improving its operating efficiency.
-China Construction Bank has continuously innovated personal financial services and achieved good results. Following the "Dragon Card" credit card, savings cards, debit cards, smart cards and many co-branded cards have been launched one after another, forming a series of bank cards marked by "Dragon Card"; Personal housing mortgage loans have always maintained a market share of more than 70%; The first automobile consumption loan attracted many customers in a short time. In addition, the innovation of personal account management and payment settlement also makes personal transfer payment more convenient and fast.
From 65438 to 0994, the non-spread business of China Construction Bank has made great progress. As the largest agency of China Development Bank, it continues to act as an agent for the allocation of state financial funds, and at the same time undertakes the allocation of funds and some management functions of the bank. In the past four years, the business volume of the agent development bank has exceeded 342 billion yuan, accounting for 79.8% of the total business volume. In addition to establishing a sales settlement network for super-large enterprises, it also provides a variety of settlement services for many production enterprises, commercial enterprises and financial enterprises by virtue of the advantages of settlement means, especially for FAW-Volkswagen, Chunlan and other enterprises, which successfully developed a fund settlement scheme and provided fast and safe settlement services.
China Construction Bank takes it as its duty to serve economic development and support social progress. Actively support education, scientific and technological progress and environmental protection. Sponsor elegant cultural activities and major sports events every year. From 65438 to 0996, all employees of China Construction Bank donated money to set up a "Love Fund" to build a "Hope Primary School" in poverty-stricken areas, to help poor college students complete their studies, to reward those who are brave, and to carry forward the traditional virtues of respecting teachers and attaching importance to education and helping the poor. At present, more than a thousand students have successfully completed their studies through the "Love Fund".
-"Innovation and Excellence" is the essence of CCB's philosophy and pursuit. Entering the 2 1 century, CCB will seek a broader service field and development space with excellent performance and continuous innovation.
[Editor] China Construction Bank was rated as the most competitive bank in the Mainland.
The "2006 Asian Bank Competitiveness Ranking" jointly conducted by China media and academic research institutions for the first time was recently announced in Beijing, and 18 banking financial institutions from Chinese mainland, Hongkong and Taiwan Province Province were among the top 50. China Construction Bank ranked fourth in Asia, ranked first among the selected mainland commercial banks in China, and was rated as the most competitive commercial bank among mainland banks in China. In addition, CCB was selected as one of the "Top Ten Growth Types in asia commercial bank in 2006" and won the "Best Investor Relations Award".
According to reports, this selection activity was jointly organized by 2 1 Century Business Herald, School of Business Administration of the Chinese University of Hong Kong and Guanghua School of Management of Peking University. The selection expert committee believes that after the shareholding system reform and successful listing of CCB, the corporate governance, business process and service level are close to international standards, and the comprehensive competitiveness is further enhanced.
With China fully fulfilling its commitment to join the World Trade Organization, the operating environment of Chinese banks will also undergo profound changes. For Chinese banks, this means both great challenges and opportunities for development, and strengthening core competitiveness is the key. The relevant person in charge of CCB said that Chinese banks should not only see the gap between themselves and international advanced banks, but also see their own advantages and strengths. As long as we correctly treat the changes of internal and external environment, intensify reform and innovation, strive to build core competitiveness, give full play to our own advantages and learn from the advanced experience of foreign banks, Chinese banks can compete with foreign banks on the same stage and build a world-class commercial bank.
"Asian Bank Competitiveness Ranking" is the first time that China media and academic research institutions have jointly studied and evaluated the comprehensive competitiveness of Asian banks. This selection activity is mainly based on publicly released bank financial data and annual reports. At the same time, the analysis conclusion was drawn in the form of comprehensive survey and questionnaire survey, and the potential competitiveness standard of banks was clearly released to the financial community and all walks of life, and the top 65,438+000 banks in Asia were selected.
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