Is Xiangxi Changxing Village Bank a private enterprise or a state-owned enterprise?

Xiangxi Changxing Village Bank is a state-owned commercial bank. Established on February 20 10, 10. Approved by the China Banking Regulatory Commission, Changsha Bank and Jishou Water Supply Corporation jointly funded the establishment of the first state-controlled prefecture-level village bank with a registered capital of 200 million yuan. Since its establishment four years ago, the bank has firmly grasped the development opportunity of western development and financial support for new rural construction, and adhered to the market positioning of "serving agriculture, rural areas and farmers, serving small and medium-sized enterprises and serving residents". In view of the short, frequent and urgent capital demand of small and micro enterprises, we will open up a "green channel" for small and micro enterprises, simplify the approval process, standardize and streamline the loan evaluation of small and micro enterprises, further improve the credit management model, improve the efficiency of credit approval, and do our best to be a "credit factory" for small and micro enterprises. Strive to contribute to the economic development of western Hunan. At present, the bank has achieved statewide coverage in seven counties and one city, with 222 employees, total assets exceeding 3.4 billion yuan, deposit balance reaching 3.2 billion yuan, accumulated loans reaching 4 billion yuan, and accumulated profits exceeding 6,543.8 billion yuan.

Commercial Bank, abbreviated as CB in English, is a kind of bank, whose duty is to act as a credit intermediary for financial institutions through deposits, loans, remittances and savings. The main business scope is to absorb public deposits, issue loans and discount bills. General commercial banks do not have the right to issue money, and the traditional business of commercial banks is mainly deposits and loans.

From August 20 14 1 day, individual customer account management fees, annual fees and pension withdrawal fees are conditionally exempted, and some charging standards are reduced. The highest handling fee for personal inter-bank counter transfer and remittance is capped in 50 yuan, and the handling fee for public inter-bank counter transfer and remittance is capped in 200 yuan.

According to the Law of People's Republic of China (PRC) Commercial Bank, China Commercial Bank can engage in the following businesses: absorbing public deposits and issuing loans; Handling domestic and overseas settlement, bill discount and issuance of financial bonds; Acting as an agent to issue, honor and underwrite government bonds and buy and sell government bonds; Engage in interbank lending; Buying and selling, acting as an agent to buy and sell foreign exchange; Providing letter of credit services and guarantees; Agency payment and insurance agency business, etc. According to the regulations, commercial banks are not allowed to engage in securities business and non-bank financial business other than government bonds.

Although the organizational form, name, business content and focus of commercial banks in different countries are different, their main businesses are generally divided into debt business, asset business and off-balance sheet business. With the development of internationalization of banks, these domestic businesses can also be extended to international businesses.