CITIC Bank is different from the four major banks in nature and function. In nature, the four major banks are state-owned banks and CITIC Bank is a joint-stock commercial bank. Functionally, the four major banks are the tools for the state to implement macro-control, while CITIC Bank focuses on personal financial services. China's four major banks include China Industrial and Commercial Bank, China Agricultural Bank, China Bank and China Construction Bank, and CITIC Bank is a shareholding bank of CITIC Group.
China's four major banks include: Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China and China Construction Bank (industry, agriculture, China and construction), also known as the four central banks. CITIC Bank is one of the national commercial banks in China, and its main shareholder is China CITIC Co., Ltd.
1, different in nature: China's four major banks are large state-owned banks, affiliated to the Ministry of Finance and Central Huijin Company; CITIC Bank is a joint-stock commercial bank, and its main shareholder is CITIC Group.
2. Different functions: China's four major banks are important tools for the state to implement macro-control, with the functions of issuing RMB and managing the country's foreign exchange reserves and gold reserves; CITIC Bank mainly deals in wealth management, private banking, overseas finance, credit card application and personal property mortgage loan, aiming at personal wealth management and other businesses.
How many days after the credit card of CITIC Bank is overdue?
If the credit card of CITIC is overdue for three days, it will be reported to the credit information system. CITIC Bank will give users a three-day grace period, as long as the cardholder pays off the debt within the three-day grace period. Once the cardholder fails to pay off the arrears for more than three days, CITIC Bank will upload the overdue records to the credit information system, and there will be late fees and penalty interest.
CITIC Bank, formerly known as CITIC Industrial Bank, was founded in 1987 and renamed at the end of 2005. CITIC Bank is one of the national commercial banks in China, with its headquarters in Beijing.
The major shareholder is China CITIC Company Limited. Banco Bilbao Vizcaya Argentina (S.A. BBVA) invested 50,654.38 billion euros (about HK$ 5.02 billion) to buy 5% of the shares of CITIC Bank, or it may choose to increase its shareholding in CITIC Bank to 10.07%.
On April 27th, 2007, CITIC Bank was listed on the Shanghai Stock Exchange. CITIC Bank is the seventh largest bank in Chinese mainland, with total assets exceeding HK$ 65,438+0,200 billion, * * * employees exceeding 65,438+0,600 and more than 540 branches. It is one of the six banks and three guarantees for Chinese financial stocks in Hong Kong.