The People's Bank of China is an institution established by the government, which is responsible for controlling the national money supply and credit situation and supervising the financial system, especially commercial banks and other savings institutions, so it is different from other commercial banks.
The other four major banks are all state-owned enterprises, except these five are all enterprises.
There are three types of commercial banks in China:
1. The first category is wholly state-owned commercial banks, including China Industrial and Commercial Bank, China Agricultural Bank, China Bank and China Construction Bank.
2. The second category is joint-stock commercial banks. At present, there are 12 banks such as Bank of Communications, Shenzhen Development Bank, CITIC Industrial Bank, China Everbright Bank, Huaxia Bank, China Merchants Bank, Guangdong Development Bank, Fujian Industrial Bank, Shanghai Pudong Development Bank, Hainan Development Bank and China Minsheng Bank.
3. The third category is urban cooperative banks, which are established by absorbing local finance and enterprises' shares on the basis of assets verification of the original urban credit cooperatives. They are joint-stock banks, not institutions.
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Matters needing attention in using China bank card:
1. When entering the password, be careful to cover it with your hands. If there is any abnormality in the password protection cover and card entry protection slot of ATM, please do not use it for safety reasons and notify the bank immediately.
2. In order to prevent fake ATM machines, customers should try to choose self-service banks with obvious signs and use ATM machines under the video surveillance of banks.
It is best to store the bank card and ID card separately. Don't lend your bank card to others, and don't disclose the card number and password of your bank card at will.
4. When spending by credit card, don't let the bank card leave sight. Pay attention to the number of times the cashier swipes the card. When you get the shopping list and card, check whether the amount on the shopping list is correct and whether it is my card.
5. Open SMS service, keep abreast of account changes, and call the bank to report the loss once abnormal transactions are found.
6. If you suspect that the funds have been stolen, you should immediately call the bank customer service number and report the loss of the bank card account in time.
Baidu Encyclopedia-China Bank
Baidu Encyclopedia-Industrial and Commercial Bank of China
Baidu encyclopedia-state-owned enterprise