Brief introduction of China Bank
Bank of China was established in February of 19 12. It is the oldest bank in China, and also the bank with the most extensive network of international institutions and the most advantageous international financial business in China. China Bank is the first bank in China with offices in six continents: Asia, Europe, Australia, Africa, South America and North America. At present, China Bank has 13089 domestic institutions and 560 overseas institutions, and has established a global financial service network. In Hongkong and Macau, Bank of China is also a local note-issuing bank. Bank of China was selected by the British "Banker" magazine as one of the largest international banks with the strongest capital strength; For 12 years in a row, it was selected as a Fortune Global 500 enterprise. It was selected as "the best domestic bank in China, the best M&A institution in China and the best bank in China" by Eurocurrency. It was rated as "the best bank in China" by Asia Assets magazine. By the end of 20001,the total assets of China Bank reached 3 1680 1 1 billion yuan, and the net assets reached 163462 billion yuan. Domestic and overseas institutions of the Bank achieved a book profit of1080.5 billion yuan, and their profitability and level always ranked first among domestic peers. China Bank is the most advantageous bank in China's international financial business. It has strong strength in international trade financing, international trade settlement, foreign exchange fund business and international credit card, and its business volume ranks first in China. In order to adapt to the accelerated pace of world economic and financial development and technological change, and actively respond to the more intense competitive situation, China Bank has set the development goal of fully promoting the construction of a good corporate governance mechanism: by giving full play to its comparative competitive advantage, building a scientific decision-making system, implementing sound accounting principles, establishing an effective incentive and restraint mechanism, establishing a human resource development and management system that adapts to the market mechanism, and establishing a board of directors that meets the requirements of a good corporate governance mechanism, China Bank will be developed into a comprehensive bank with full functions in three to five years. After a longer period of reorganization and merger with capital as the link, it has become one of the first-class banks in the world.
Brief introduction of China Construction Bank
China Construction Bank is a state-owned commercial bank featuring medium and long-term credit business. Headquartered in Beijing, it conducts business in China and major international financial centers. In July of 20001year, China Construction Bank ranked 29th in the global ranking of Banker magazine 1000 big banks. China Construction Bank was established in June 1954+ 10/0/. The basic background of the establishment of China Construction Bank is that with the implementation of People's Republic of China (PRC)'s first five-year plan to develop the national economy, large-scale economic construction centered on 156 key projects has been launched all over the country. In order to manage the huge construction funds, China Construction Bank came into being, and started a hard and glorious course. During the more than 20 years from 1954 to 1978, CCB mainly undertook the responsibilities of centralized handling of national capital construction budget allocation and self-raised funds allocation by enterprises, supervising the rational use of funds, issuing short-term loans to construction enterprises, and handling basic business settlement business. China Construction Bank's services closely follow the pace of China's construction, covering every construction hotspot in the motherland, and have made outstanding contributions to improving the national investment efficiency, supporting the national financial balance and the rapid economic development of China. Since the late 1970s and early 1980s, China Construction Bank has continuously expanded its banking functions while inheriting its original functions. It has successively launched credit fund loans, residents' savings deposits, foreign exchange business, credit card business, policy-based housing reform finance, personal housing mortgage loans and other businesses. After more than ten years of reform and development, CCB's various businesses have developed rapidly, and its credit assets and liabilities have increased dozens of times. From a bank that only manages financial funds and supervises infrastructure allocation, it has developed into a national professional bank that handles both financial investment and credit business. It not only has fixed assets investment credit, but also supports working capital loans, both domestic and international financial business, with medium and long-term credit as its main business.
1994 is an important turning point in the development of China Construction Bank. According to the government's demand for the reform of investment system and financial system, China Construction Bank will hand over the long-term financial agency function and policy loan function to the Ministry of Finance and the newly established National Development Bank respectively, and begin to comprehensively reform the management system according to the requirements of commercial banks. At the end of 1994, China Construction Bank has carried out or is carrying out a series of major reforms in fund management system, credit management system, financial management system and accounting system. The ability of the head office and tier-one branches to centrally dispatch and manage funds was enhanced, and the financial accounting system was further in line with international standards. At the same time, CCB also repositioned its customer management strategy and regional management strategy. Therefore, China Construction Bank has achieved faster development and better operating efficiency. China Construction Bank has entered a new stage of reform and development. Since1March, 1996, China Construction Bank began to use its current name and introduced the enterprise identification system. Almost overnight, thousands of offices and outlets across the bank began to use new image recognition signs. This blue emblem and black three-dimensional name reveal the stable, eclectic and constantly developing business style of this reforming commercial bank; It expresses an unchanging idea, that is, to take root in China and build a modern life. Since 1994, China Construction Bank has adjusted its branches and savings outlets all over the country. While merging some county branches, the number of outlets in national central cities has been increased, and with the adjustment of corresponding credit policies, the operation in central cities has been further strengthened. China Construction Bank attaches great importance to the development of overseas business. At present, CCB has set up three branches and four representative offices in Hong Kong, Frankfurt and Singapore overseas. China Construction Bank has established correspondent bank relations with 600 banks around the world, covering nearly 80 countries on five continents. Raising funds in the international financial market by issuing bonds and organizing bank loans is CCB's dominant business, which has become an important bridge between international financial capital and China's economic construction. Before the return of Hong Kong, the business of China Construction Bank in Hong Kong had begun to take shape. After the return of Hong Kong, its business has developed rapidly. At present, CCB has participated in a number of banks and finance companies in Hong Kong, becoming the largest shareholder of CCB.
Brief introduction of China Industrial and Commercial Bank
China Industrial and Commercial Bank is a national professional bank that handles urban industrial and commercial credit and savings business. It was established in June 1 984+1October1.
The basic task of China Industrial and Commercial Bank is to implement the national policies and decrees, support the development of industrial production, expand the circulation of commodities, promote the development of the tertiary industry, promote the scientific and technological progress and technological transformation of enterprises, give play to the role of financial undertakings in regulating funds in economic construction, and serve the realization of the four modernizations of socialism.
The business scope of China Industrial and Commercial Bank mainly includes:
(1) handle urban savings deposits, absorb deposits from industrial and commercial enterprises, and issue financial bonds; (2) Handling working capital loans for state-owned industrial and commercial enterprises, urban collective enterprises and individual industrial and commercial enterprises; (three) to manage all kinds of special funds of industrial and commercial enterprises and the competent departments of enterprises, and to handle technical transformation loans and some capital construction loans; (four) to undertake entrustment, agency, leasing, consulting and other services; (5) Handling cash and transfer settlement; (6) Handling foreign exchange business in special economic zones and some open cities.
China Industrial and Commercial Bank has a board of directors, a head office in Beijing and more than 20,000 branches in China. There are 29 branches in provinces, autonomous regions and municipalities directly under the Central Government, 65,438+055 branches in special areas and urban centers, 65,438+047 sub-branches in cities, 2,032 sub-branches in counties (cities), 930 suburban offices in cities and counties, 2,654 sub-branches and 65,438+0 savings offices. China Industrial and Commercial Bank has more than 400,000 employees.
Since the establishment of China Industrial and Commercial Bank, its financial strength has expanded rapidly. By the end of 1985, the balance of various deposits reached193.9 billion yuan, including 88 billion yuan in corporate deposits, accounting for 45.4% of all deposits, and 89.6 billion yuan in savings deposits, accounting for 46.2% of all deposits. The loan balance reached 300.8 billion yuan and the self-sufficiency rate of credit funds was 65%. At present, China Industrial and Commercial Bank has more than 2 million industrial and commercial enterprises and 220 million individual depositors. The loan business handled by China Industrial and Commercial Bank is divided into two categories: working capital loan and fixed capital loan. Working capital loans include loans from state-owned industrial enterprises, collective industrial loans, state-owned commercial loans and collective commercial loans. Self-employed loans, etc. Fixed assets loans include technical transformation loans and capital construction development loans. At the end of 1985, the balance of working capital loans was 264.8 billion yuan, accounting for 88% of the total loan balance, and fixed assets loans were 35.6 billion yuan, accounting for 1 1.8% of the total loan balance. The trust business of China Industrial and Commercial Bank has been improved, healthier and more reasonable. It uses the flexibility, diversity and adaptability of trust to raise and finance funds, support production, communicate purchase and sale, promote technological progress and horizontal economic ties, and provide various credit services for the society. For example, advanced technology and equipment are provided to enterprises by lease, loans or investments are granted to key transformation projects by entrusted loans, and horizontal links between enterprises are communicated by economic cooperation loans. By the end of 1985, the proportion of entrustment, leasing and agency business with trust characteristics in all trust business increased from 36% in 1984 to 56%. By the end of 1985, China Industrial and Commercial Bank had established 9 primary information networks, 23 secondary information networks, 176 tertiary information networks and 172 regional comprehensive information networks. Information network combines modern processing methods with traditional business processing methods, which accelerates the transmission and feedback of information and improves the quality and efficiency of information work. At the same time, according to the new situation and new problems in the reform of urban economic system, the organization has carried out special research in depth, and played an active role in strengthening macro-control and invigorating microeconomics through the exchange and popularization of research results.
Brief Introduction of Agricultural Bank of China
Agricultural Bank of China is one of the four wholly state-owned commercial banks and an important part of China's financial system. Its headquarters is located in Beijing. In China, Agricultural Bank of China has branches all over urban and rural areas, with strong financial strength and complete service functions. It is not only trusted by the general public and customers, but also made great progress with them, becoming one of the largest banks in China. Overseas, the Agricultural Bank of China has also won a good reputation through its own efforts, and has been rated as one of the top 500 enterprises in the world by Fortune. By the end of 2000, China Agricultural Bank had more than 50,000 branches, including 32 tier-one branches, 5 branches directly under it, 1 business department of the head office and 3 training colleges. 30 1 secondary branch; There are 3,280 branch-level institutions, including county (city) branches 1687. China has 93 1 institutions dealing in foreign exchange business, established correspondent bank relations with 328 head offices of banks in 49 countries and regions around the world, set up branches in Singapore and Hong Kong, and set up representative offices in London, Tokyo and new york. The total number of employees in this bank exceeds 500 thousand. According to internationally accepted auditing standards, at the end of 2000, the total assets of China Agricultural Bank were over 2 trillion yuan, the balance of deposits was 18 162 billion yuan, and the balance of loans was1478.3 billion yuan.
Great progress has also been made in electronic construction. There are more than 45,000 computer outlets and more than 35,000 online outlets, and the computer processing coverage rate of various businesses reaches 93%, and the amount reaches 98%. The number of bank cards (Jinsui cards) issued reached 33.62 million. Electronic means have been further improved, and market competitiveness has been further enhanced.