I. Shenzhen Rural Commercial Bank
Shenzhen Rural Commercial Bank Co., Ltd. was established on February 9, 2005. Its registered place is Rural Commercial Bank Building, No.2028 Haixiu Road, Wanghai Community, Xin 'an Street, Baoan District, Shenzhen, and its legal representative is Li Guang 'an. The permitted business items are: absorbing public deposits; Issue short-,medium-and long-term loans; Handle domestic and international settlement; Handle bill acceptance and discount; Acting as an agent to issue, honor and underwrite government bonds; Buying and selling government bonds and financial bonds; Engage in interbank lending; Engaged in bank card business; Acting for payment and insurance agency business; Provide safe deposit box service; Foreign exchange deposits; Foreign exchange loans; Foreign exchange remittance; Foreign exchange; International settlement; Inter-bank foreign exchange lending; With the approval of the People's Bank of China, handle the foreign exchange settlement and sale business; Credit investigation, consultation and witness business; Other businesses approved by China Banking Regulatory Commission; Business approved by other supervision and management institutions. Shenzhen Rural Commercial Bank Co., Ltd. invested in 65,438+03 companies and 65,438+066 branches.
2. What's the difference between commercial banks and state-owned banks?
1, different backgrounds
State-owned commercial banks are directly controlled by the state and represent the most basic banking power in China. As long as there is the support and backing of the state, the state will continue to provide financial support even if mismanagement often leads to bankruptcy. In other words, because of its particularity, state-owned commercial banks can be too big to fail, so their risk-taking ability is very strong.
2, the ability to resist risks is different
In 20 16, China's four state-owned commercial banks were selected as international systemically important financial institutions, and a number of national joint-stock banks were listed as domestic systemically important banks.
These banks, called systemically important banks, are too big to fail. Compared with state-owned commercial banks, the anti-risk ability of local commercial banks is much worse. The risk tolerance of local commercial banks mainly depends on their management level, asset strength and shareholder strength. Don't be surprised if they suffer serious losses due to poor management.
3. Differences in business scope
The business scope of state-owned commercial banks covers the whole country and is pervasive, while local commercial banks generally mainly serve customers in the region. Although the business scope of local joint-stock commercial banks is the same as that of state-owned commercial banks, there is still a big gap in actual business scope, such as rural commercial banks and rural credit cooperatives.