Users care about the security of banks. The establishment and operation of banks are supervised by CBRC, but there are certain risks in purchasing bank wealth management. From the analysis of income stability, putting money in the bank can provide users with more stable income. Considering the security, it can provide users with higher financial strategy stability. In fact, it is very safe to deposit money in any bank. Because as long as the bank deposits are protected by the Deposit Insurance Ordinance. Bank deposits belong to individual ordinary deposits and enjoy deposit insurance protection. In a single ordinary bank deposit, you can enjoy 100% repayment within 500,000 yuan.
Therefore, when ranking domestic banks with safety as the standard, we should first consider two aspects. First, whether it is state-owned. Unlike local banks, state-owned banks rely directly on state power to ensure their security. However, some performances of local banks in recent years really make people doubt their stability. For example, contracting banks have to inject capital from higher-level banks due to their own operational problems. Second, the stronger the asset scale and financial strength, the more secure the bank can bring to its customers.
First of all, except the People's Bank of China and the three major policy banks, although they play an important role in the national economy, they are not commercial banks after all and should be excluded first. According to the ranking data of 20 17, the top ten banks in the world are four state-owned banks, namely China Industrial and Commercial Bank, China Construction Bank, China Bank and China Agricultural Bank. The assets of the four major state-owned banks are generally recognized as high, and there are four major bank outlets all over the country, which are well-known and users can handle related business at these bank outlets at any time.
The five state-owned banks we often talk about have added Bank of Communications on the basis of the above. China's five largest banks are comprehensive large-scale commercial banks with a wide range of businesses, representing the most abundant capital and strength in China's financial sector.
China Postal Savings Bank is also located in the state-owned banking system. Although there is a certain gap with the above five major banks in terms of asset scale, it is mainly for rural and small and medium-sized customers. Its business outlets are all over villages and towns, and it also occupies a very important position in the national economy. And backed by the state, the security is trustworthy.
In addition to the state-owned banks in front, according to the 20 19 annual report of commercial banks, the local banks that followed closely were China Merchants Bank, Shanghai Pudong Development Bank, Industrial Bank and Minsheng Bank. It is these local banks that support the local economic development and play a very important role in the national economy as a supplement to the five state-owned banks.