1, the hierarchy of banks from top to bottom is: Head Office, branches and sub-branches.
2. From the perspective of administrative subordination: the head office is in charge of all branches and is the highest organ administratively; Followed by branches, which manage their own branches; Then there are branches, sub-branches and savings offices under the jurisdiction of the branch management.
3. From the perspective of business relationship, the Head Office is responsible for formulating business regulations and all businesses, including overseas business, and is responsible for high-end customers nationwide.
4 branches: Guangdong Province and other major provinces; Tianjin and other municipalities directly under the central government are all tier-one branches, handling tier-one business of branches and being responsible for tier-one customers of provinces or municipalities directly under the central government.
5. Branches have branches, sub-branches and savings offices.
6. overall: head office > branch office > branch office.
According to the Measures for Customer Credit Rating of Bank of China, it is evaluated from five aspects: solvency, profitability, operation and management, performance, development ability and potential, and it is evaluated regularly and adjusted in time. At present, the credit rating methods and standards of Bank of China belong to the credit instruments mastered by the bank, which are not made public and only serve the internal management of the bank.
The customer credit rating of China Bank is divided into AAA, AA, A, BBB, BB, B, CCC, CC, C and D, with a total of ten credit ratings.
Although the process of bank credit rating is basically the same as that of other issuers, because banks are special enterprises and high-risk enterprises, their credit rating is far more complicated than that of ordinary enterprises. The common method of bank credit rating is to take the sovereign rating of the country where the bank is located as the upper limit, and compare the strength of the banks in that country to get the credit rating of a bank. However, there are exceptions. For example, when a bank receives capital contribution or other support from banks in other countries, its credit rating can be higher than the sovereign rating of the country where the bank is located. When rating banks, the existing sovereign rating results are used instead of other sovereign ratings, so the relevant sovereign rating methods are not repeated here.
Banks in China are mainly managed by China Banking Regulatory Commission and China People's Bank.
Those involved in the formulation of charging standards are managed by NDRC, and if it is necessary to inject capital or write off non-performing loans or go public, it is also the responsibility of the Ministry of Finance. At the local level, sometimes the government financial office is also in charge. There are also self-regulatory management and banking associations.