2 Agricultural Bank of China (the earliest date can be traced back to 195 1, an agricultural cooperative bank, a fortune 500 enterprise, a state-controlled commercial bank, and China Agricultural Bank Co., Ltd.).
3 China Construction Bank (established in 1954, a leading joint-stock commercial bank in China, a fortune 500 enterprise, and China Construction Bank Co., Ltd.)
4 Bank of China (established in 19 12, one of the largest state-owned commercial banks in China, one of the top 500 enterprises in the world and one of the top ten bank brands in China, China Bank Co., Ltd.).
5 China Merchants Bank (a joint-stock commercial bank with corporate ownership, one of the most influential commercial banks in China, China Merchants Bank Co., Ltd.)
6 Bank of Communications (starting from 1908, a national state-owned joint-stock commercial bank, one of the early note-issuing banks in China, a listed company, China Bank of Communications Co., Ltd.).
7 China Minsheng Bank (1996, the first national joint-stock commercial bank in China, listed company, China Minsheng Bank Co., Ltd.).
8 CITIC Bank (CITIC Bank Co., Ltd., one of the earliest banks in China to participate in domestic and foreign financial market financing, and one of the most powerful commercial banks in China)
Industrial Bank (1988 was established in Fujian, one of the first joint-stock commercial banks approved by the People's Bank of China, Industrial Bank Co., Ltd.)
10 Shanghai Pudong Development Bank (Shanghai Pudong Development Bank Co., Ltd., a highly respected listed company in China stock market and the most valuable high-growth bank in China).
The profit channels of banks include loans, bank insurance, sales of wealth management fund products, sales of financial equipment, consumption profit of financial intelligent terminal business, hedging business, bill business and so on.
The profit ratio of most domestic banks is: loan 30%, bank insurance 10%, wealth management fund product sales 10%, financial instrument sales 5%, financial intelligent terminal business consumption 30%, hedging business 5%, bill business 10% and so on. The profit ratio of foreign banks is: loan 15%, bank insurance 15%, wealth management fund product sales 15%, financial instrument sales 10%, financial intelligent terminal business consumption profit 35%, hedging business 5%, bill business 5% and so on.
On February 24th, 20 16, the media reported that seven of the six listed banks in/kloc-0 had handed in their transcripts last year, and the general net profit continued to decline. According to the performance report, in 20 15, the net profit attributable to shareholders of the parent company was 271610 million yuan, that is to say, seven banks earned 744 million yuan every day last year.
Although this figure is still outstanding in various industries, the continued decline in profit growth is still the future trend. Compared with 20 14, the growth rate of net profit of seven banks has declined to varying degrees, the growth rate of net profit of six joint-stock banks has dropped to single digits, and the growth rate of net profit of China Merchants Bank, Industrial Bank, Huaxia Bank, China CITIC Bank and Shanghai Pudong Development Bank has dropped by more than half. The growth rate of CITIC Bank's net profit was the lowest, only 1. 15%. Only Nanjing Bank, as a city commercial bank, maintained a double-digit performance, reaching 24.86%.
As the absolute core of China's financial system, the banking industry has always maintained a healthy and stable operation. Undeniably, affected by the financial crisis and domestic economic restructuring, the domestic banking industry is facing a series of profound challenges that cannot be ignored. However, in the post-financial crisis era, China's banking industry is still facing an extremely complicated external operating environment.
Global economic integration and the uncertainty of economic and financial environment also make the risks faced by commercial banks present new characteristics such as complexity, suddenness, proliferation and rapid spread. In terms of market competition, with the development of financial market and the continuous improvement of openness, the competition pattern, competition space and competitors faced by large banks have undergone and are continuing to undergo profound changes.
These are the challenges for the future development of China's banking industry. Therefore, China's banking industry should take long-term reputation and strength as the guarantee, rely on credit and network advantages, take extensive customer resources and information resources as the platform, focus on developed coastal cities, comprehensively optimize and upgrade traditional advantageous businesses, further integrate and deepen existing investment banking businesses, actively expand new investment banking businesses such as financial consultancy, syndicated loans, leveraged financing and enterprise mergers and acquisitions, strengthen forward-looking research on marginal investment banking businesses, complete the organizational system construction of investment banking business, and strive to realize investment banking business.