First of all, from the perspective of state-owned commercial banks:
First of all, the capital scale and network settings of state-owned commercial banks are perfect. Many state-owned commercial banks have global networks, and the ratio of their own capital to working capital is more in line with international standards. The rigorous qualification level, pattern view, business ability and management experience of the management team are even better than those of private banks.
Second, the system construction and service level of state-owned commercial banks, especially the basic system, professional standards, professional ethics, risk prevention, processes and rules of banks, are incomparable to private banks.
Third, the absolute amount of operating profit is unmatched by private banks. The support for the economy affects the scope of services, and the audience is not at the same level.
Fourth, the business development and innovation ability of state-owned commercial banks is better than that of private banks. In particular, the government, social institutions, hospitals, schools, taxation and other app state-owned commercial banks are more closely linked.
Fifth, it is more appropriate for state-owned commercial banks to abide by national financial laws and regulations.
Second, from the perspective of private banks:
First, private banks have a small share capital, so their share capital expansion ability is strong. More enterprising consciousness and motivation.
Second, private banking institutions have few outlets, so it will benefit customers in terms of institutional interest rates.
Third, the system construction of private banks, especially business supervision, is insufficient to prevent risks. There are relatively more cases involving economic disputes than state-owned commercial banks. In fact, state-owned commercial banks have learned many lessons.
In a word, the above is an analysis and comparison between state-owned commercial banks and private banks. The strength and anti-risk ability of state-owned commercial banks are still superior to those of private banks.
At present, many people still have blind spots about state-owned banks and private banks. Many people think that only four agricultural and industrial banks in China are state-owned banks, and the rest are private banks, which is wrong.
1. For our country, in addition to China Agriculture and Industry Construction, there are other joint-stock banks such as Postal Savings, Transportation, Investment Promotion, Xingye, CITIC, China Everbright, Guangfa, Ping An, Shanghai Pudong Development Bank and Minsheng. Rural commercial banks and urban commercial banks are state-owned banks. The major shareholders behind it are not state-owned enterprises or local governments, but many people misunderstand this, thinking that except China Agricultural Construction, the rest are private banks.
2. The first batch of real private banks in China are Weizhong Bank, Online Merchant Bank, Huarui Bank, Civil and Commercial Bank and Jincheng Bank, which were established in 20 15. Later, other private banks (such as Huatong Bank, Suning Bank, Zhongguancun Bank and Blue Ocean Bank). ) was approved in 20 16 and 2 17 respectively. These are real private banks.
3. The controlling shareholder behind the state-owned banks is either a large state-owned enterprise, a local government or a central government, and the capital security is definitely guaranteed. Moreover, state-owned banks have physical outlets, which are convenient for customers to consult and handle business. At present, there are few online stores of private banks, and most of them conduct business through the Internet. Although the shareholders of private banks are relatively powerful private enterprises, the capital scale and strength are not comparable to those of the government.
4. In terms of business approval, state-owned banks will be stricter and have greater control. Relatively speaking, it will be easier for private enterprises to approve loans.