(1) China's banking system consists of the central bank, regulatory agencies, self-regulatory organizations and banking financial institutions. Banking financial institutions include three policy banks (China Development Bank, The Export-Import Bank of China and China Agricultural Development Bank), five large commercial banks (China, Agriculture, Industry, Construction and Communications) and 12 joint-stock commercial banks (CITIC, Huaxia, China Merchants, Shenzhen Development, China Everbright, Minsheng, Pudong Development, Bohai, Guangfa, Xingye, Hengfeng and Zheshang). There are 0/90 rural cooperative banks, 2,265 rural credit cooperatives, 4 postal savings banks, 4 financial asset management companies, 40 foreign-funded corporate financial institutions, 66 trust companies, 0/27 enterprise group finance companies and 8 financial leasing companies. There are 4 money brokerage companies, 4 auto finance companies 14, 4 consumer finance companies, 635 rural banks, loan companies 10, and 46 rural mutual funds cooperatives. There are 3,800 banking financial institutions in China with 3198,000 employees.
(2) Here are some big banks telling us their differences in detail:
The four state-owned banks are China Bank, China Construction Bank, China Industrial and Commercial Bank and China Agricultural Bank. There are many similarities in the overall functions of these four banks. For example, personal financial services, corporate financial services, electronic banking, etc. Although there are many similarities, there are still many differences. Their respective responsibilities are still different.
Bank of China, its online banking has the functions of account inquiry, online payment, overseas account management, bank-enterprise docking, fund remittance, batch entrustment, authorization mode customization, prepayment, directional payment, historical transaction inquiry, payroll payment, agent reimbursement, online payment of customs clearance taxes and fees, and customs declaration in different places.
China Construction Bank, its online banking has the functions of account inquiry, online payment, online payment, transfer remittance, online express remittance, banking and securities business, securities business, foreign exchange trading, batch business and so on.
China Industrial and Commercial Bank, whose online banking has the functions of account information inquiry, transfer payment, online payment, agency business and online payment, provides dynamic demonstration, which makes people feel very convenient and has the highest security performance. In addition, there are telephone banking, corporate banking and mobile banking.
China Agricultural Bank, its website function is relatively simple. Its online banking has the functions of account inquiry, account password modification, online temporary loss reporting, transfer, online payment, online payment and so on. Online payment is divided into B2B and B2C.
The functions of ICBC are comprehensive, because it not only contains the basic functions of the three major banks, but also provides dynamic demonstrations, which makes people feel very convenient and has the highest safety performance. Need to install patches to understand the security mystery, ICBC also divided into telephone banking, corporate banking and mobile banking! The functions provided by China Bank's online banking are also good. The functions it provides are mainly oriented to enterprises, such as paying wages on behalf of enterprises and docking between banks and enterprises. The functions provided by CCB's online banking are relatively balanced in terms of individuals and enterprises, unlike Bank of China. However, the online banking function of ABC is the least, and it only provides some basic functions, while other functions such as bank-securities transfer, online remittance, online pledge loan and national debt transaction are not provided.
For more information about the bank recruitment examination, please pay attention to Fujian Bank Recruitment Network.
If in doubt, please consult the public education enterprises in China.