haha, you are very thoughtful! Regarding capital: The minimum registered capital for the establishment of a national commercial bank is RMB 1 billion. The minimum registered capital for establishing city commercial banks is 1 million yuan, and the minimum registered capital for establishing rural commercial banks is 5 million yuan. The registered capital shall be paid-in capital. The State Council Banking Regulatory Authority may adjust the minimum registered capital according to the requirements of prudential supervision, but it shall not be less than the limit specified in the preceding paragraph. Most of the time, the capital requirement is much higher than this! As for the deposit and loan interest rate, it shall be handled according to the interest rate stipulated by the People's Bank of China! To establish a commercial bank in accordance with Article 14 of the Law of the People's Republic of China on Commercial Banks, the applicant shall submit the following documents and materials to the banking supervision institution of the State Council: (1) an application, which shall specify the name, location, registered capital and business scope of the commercial bank to be established; (2) Feasibility study report; (3) Other documents and materials as required by the the State Council Banking Regulatory Authority. Article 15 If the application for establishing a commercial bank meets the requirements of Article 14 of this Law after examination, the applicant shall fill in a formal application form and submit the following documents and materials: (1) Draft articles of association; (2) Qualification certificates of the directors and senior managers to be employed; (3) A capital verification certificate issued by a statutory capital verification institution; (four) the list of shareholders and their capital contributions and shares; (5) Credit certificates and relevant materials of shareholders holding more than 5% of the registered capital; (6) Business policies and plans; (seven) business premises, safety precautions and other facilities related to the business information; (8) Other documents and materials as stipulated by the the State Council Banking Regulatory Authority. See if you can approve these materials when you report them!
what do I need to open a personal bank?
individuals cannot open a bank. Of all the banks in China, Minsheng Bank is a private enterprise, while others are state-owned.
article 11 the establishment of a commercial bank shall be subject to examination and approval by the the State Council banking regulatory authority.
without the approval of the State Council banking regulatory authority, no unit or individual may engage in commercial banking business such as absorbing public deposits, and no unit may use the word "bank" in its name.
article 12 to establish a commercial bank, the following conditions shall be met: (1) having articles of association that conform to this law and the company law of the people's Republic of China; (2) It has a minimum registered capital that meets the requirements of this Law;
(3) having directors and senior managers with professional knowledge and business experience; (4) Having a sound organizational structure and management system;
(5) Having a business place, safety precautions and other business-related facilities that meet the requirements. The establishment of a commercial bank should also meet other prudential conditions.
Article 13
The minimum registered capital for establishing a national commercial bank is RMB 1 billion. The minimum registered capital for establishing city commercial banks is 1 million yuan, and the minimum registered capital for establishing rural commercial banks is 5 million yuan. The registered capital shall be paid-in capital.
the State Council banking regulatory authority may adjust the minimum registered capital according to the requirements of prudential supervision, but it shall not be less than the limit specified in the preceding paragraph.
Article 14 To establish a commercial bank, the applicant shall submit the following documents and materials to the the State Council Banking Regulatory Authority:
(1) An application, which shall specify the name, location, registered capital and business scope of the commercial bank to be established; (2) Feasibility study report;
(3) other documents and materials required by the banking regulatory authority of the State Council.
article 15 if the application for establishing a commercial bank meets the requirements of article 14 of this law after examination, the applicant shall fill in a formal application form and submit the following documents and materials: (1) the draft articles of association;
(2) qualification certificates of the directors and senior managers to be employed; (3) A capital verification certificate issued by a statutory capital verification institution; (four) the list of shareholders and their capital contributions and shares;
(5) credit certificates and relevant materials of shareholders holding more than 5% of the registered capital; (6) Business policies and plans; (seven) business premises, safety precautions and other facilities related to the business information;
(8) other documents and materials as stipulated by the the State Council banking regulatory authority.
Article 16 A commercial bank approved to be established shall be issued a business license by the the State Council Banking Regulatory Authority, which shall be used to register with the administrative department for industry and commerce and obtain a business license.
I want to open a bank. What are the requirements? Thank you very much.
among all the banks in China, Minsheng Bank is a private enterprise, while others are state-owned.
Conditions:
1 The registered capital must meet certain requirements:
1 billion yuan for national commercial banks
1 million yuan for city commercial banks
5 million yuan for rural commercial banks
2 It is very difficult to be approved by CBRC! )
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? Is there any age requirement? 1 points
You need an ID card to apply for a bank card. If you are under age, you need a guardian to go with a household registration book.
Age requirements for handling bank cards:
If you are under 16 years old, you need a guardian to accompany you to the bank with your ID card and household registration book.
at least 16 years old, you can apply for a bank card with your ID card;
at least 18 years old, you can open online banking;
at least 18 years old and meeting other conditions stipulated by the bank, you can apply for a credit card.
What are the requirements for opening a bank? Bank of China
Once answered: What are the requirements for opening a bank in zhidao.baidu/...3vLhsK
?
It's troublesome to register with a start-up capital of 1 million yuan.
What are the requirements for opening a bank card?
Can I go to the bank with my ID card at the age of 16? The fee is 5 yuan, and the annual fee is 1 yuan. There are many joint-stock banks that don't charge card fees, annual fees and management fees
At the age of 14, the guardian needs to agree that the guardian should hold the guardian's account book+the guardian's ID card to handle the card at the bank counter
Data of small account management fees of various banks at the beginning of 21 (for reference only):
1. Industrial and Commercial Bank of China: the management fee of small accounts is lower than that of 3 yuan 3 yuan/quarter
2. Agricultural Bank of China: the management fee of small accounts is lower than that of 5 yuan.
3. Bank of Jilin: Since September 1, 29, the newly opened account is lower than the small account management fee charged by 1 yuan 3 yuan/quarter.
4. On April 1st, 21, the small account management fee of Liaoning Agricultural Bank began to increase. 6 yuan/quarter lower than 5 yuan's small account management fee;
5. China Construction Bank: The average daily deposit balance in each quarter is lower than that in 3 yuan, and the management fee for small accounts is 3 yuan/quarter, and the interest of such accounts is calculated at the annual interest rate of .1%;
,6, Bank of China: the average daily balance is lower than the small account management fee charged by 3 yuan 3 yuan/quarter; If the account balance of the day is 6, it will be counted as two days. (China Bank's debit card does not charge a small account management fee)
,7, China Bank of Communications: 3 yuan/quarter lower than 5 yuan's small account management fee; (The debit card of Bank of Communications does not charge a small account management fee)
,8 Guangdong Rural Credit Cooperative: it charges a small account management fee lower than that of 3 yuan 3 yuan/quarter (for passbook, debit card is free)
9, China Postal Savings Bank: it charges a small account management fee lower than that of 1 yuan 3 yuan/quarter
Data 2
China Minsheng Bank: Shenzhen charges a small account management fee of less than 5, yuan (five thousand yuan) 36 yuan at one time.
China everbright bank: no small account management fee;
China CITIC Bank: no small account management fee;
Huaxia Bank: no small account management fee;
Shanghai Pudong Development Bank: no small account management fee;
Industrial Bank: RMB personal current deposit accounts with an average daily balance less than that of 3 yuan (inclusive) within 3 months will be charged 3 yuan/quarter, while accounts with an average daily balance greater than that of 3 yuan within 3 months will not be charged. There is no charge for accounts that have been opened for less than 3 months. Accounts with designated functions are free of charge.
China Merchants Bank: the average daily deposit balance is less than 1, yuan (ten thousand yuan), and the small account management fee is 1 yuan/month; (February 212), 3 yuan/month in Shenzhen and Chongqing; 5 yuan/Month of Qingdao Branch.
Shenzhen Development Bank: Personal comprehensive quarterly average daily assets <; 1 yuan charges 3 yuan/quarter/person a small account management fee;
Guangdong Development Bank: the average daily deposit balance is lower than the small account management fee of 5 yuan 3 yuan/quarter;
Bohai Bank: no small account management fee;
hengfeng bank: no small account management fee;
zheshang bank: no small account management fee;
Bank of Nanjing: the average daily deposit balance is lower than the small account management fee of 3 yuan 3 yuan/quarter;
Bank of Beijing: no small account management fee;
Shanghai Bank: 3 yuan/quarter lower than 3 yuan's small account management fee;
bank of tianjin: the small account management fee is lower than that of 3 yuan 3 yuan/quarter.
ping an bank: the average daily balance of the account is lower than that of 1 yuan, and 2 yuan/month account management fee is charged; [2]
Bank of Jiangsu: the average daily deposit balance is lower than the small account management fee charged by 3 yuan 3 yuan/quarter.
Huarong Xiangjiang bank: no small account management fee.
Jiujiang Bank Lushan Card: no small account management fee. ...
Can private individuals open a bank? What qualifications do you need?
No, the financial industry is the lifeblood of the country, and it will never be opened to private individuals. Moreover, it is said that the last national license has been given to Bohai Bank, and there will be no new national banks in the short term. Private individuals can't open banks, and generally don't have the strength. The registered capital of Bohai Bank is 5 billion. But now that the country has recognized folk credit, it is estimated that specific policies will be promulgated soon, so you can pay attention to it. If you really want to do it, in fact, pawn shops should be the industry closest to banks in private capital.
What are the conditions for opening online banking?
There are generally two ways to open online banking:
1. Log on to the bank website for self-registration, but only have the inquiry function.
2. I bring my valid ID card and bank card to the bank counter, and I can open the function of external payment and transfer.
If it's just a simple function such as balance inquiry, you don't have to go to the bank in person. You can register directly on the bank's website. If you use advanced functions such as "online shopping", "transfer" and "payment", you will have to fill out a special form at the bank and the bank will provide security certificates such as a dynamic password card. When I do it for the first time, the whole opening process only takes 3 minutes because I am fully prepared. Conditions for handling online banking: I will bring myself. Carry my mobile phone. (The bank will bind this number to the bank account, and the result of every online transaction will be sent to this mobile phone.)
Process: There are many ways to handle online banking and banks. Here are three ways to open online banking:
ICBC's online banking application: 1. You can log in to the home page of ICBC's website, click "Register" on the left, and register yourself according to the relevant tips on the webpage. Online banking service will be launched immediately after successful registration. If you need to conduct B2C transactions, please choose to enable the "e-commerce" function when registering, and then you can apply for a password card or U shield at the counter with your valid ID card and registered Peony Card before you can pay (except Hong Kong card). 2. There is no handling fee for registering online banking, and there is no annual fee for online banking at present. 3. If you register online banking at the counter, the initial password of online banking is kept by yourself, which may or may not be the same as the withdrawal password. When logging in online banking for the first time, you will be prompted to change the password to a 6-3 digit password mixed with English. Please keep it in mind. If you register online banking by yourself, your password needs to be set as a 6-3 digit mixed password. 4. You are talking about U-Shield, which is the "intelligent guardian" pioneered by China Industrial and Commercial Bank and patented by the state, and is specially used to protect the safety of online banking customers. It is a kind of physical hardware with smart chip, which is similar in shape to flash memory (that is, U disk). It is a security tool with the highest security level for online banking clients at present. Although it is small, it plays a huge role as the gatekeeper of online banking and is the guardian of online banking information and capital security! If you need to apply for a U-Shield, please bring your valid ID card and online banking registration card to the designated local outlet where you open the account. The cost of the U-Shield varies from 58 to 6 yuan. Please contact the local 95588 service hotline for information about the procedures and outlets. Application for online banking of China Construction Bank: First of all, to open an account in China Construction Bank, you must bring your ID card and its copy. Then tell the bank staff that you want to open online banking, and he will give you an online banking application form to fill in. There is not much to fill in, mainly to fill in the CCB account number and its contents, and then the teller will let you enter the passboOK password-online banking login password-online banking transaction password, and finally sign it and it will be ok. One thing to note is that opening online banking requires you to download the certificate (to ensure network security) from the CCB website within 7 days. It is very simple, and you will learn it as soon as you enter the CCB website. There is no charge for handling online banking! Online remittance to other provinces, with online banking at a 6% discount. There is no handling fee for online consumption. Please visit the homepage of China Construction Bank for details. China Agricultural Bank's online banking application: 1. Application procedures for individual registered customers: 1. If individual customers have not yet opened an ABC account, they should first go to the ABC outlet to open an account (customers who have already opened an ABC account can omit this step). 2. Customers with ABC bank cards can apply for online banking services in two ways. A, log in to the online banking of Agricultural Bank of China, and enter the "public * * * customer" system. You can apply for online registration and fill in your basic information and account information. Then, with valid identity documents and original documents of registered account (such as bank card and current savings passbook), you can go to the acceptance outlets to sign the Online Banking Service Agreement of Agricultural Bank of China (individual) and go through the formal registration procedures. Customers who register online need to provide the bank card number used for registration after arriving at the acceptance outlets. B. Go directly to the acceptance outlet where the account is located, fill in the Registration Form for Personal Registration of Online Banking, provide the outlet with valid identity documents, original vouchers of the account and other application materials, and go through formal registration procedures. 3. Customers who don't have a bank card of Agricultural Bank of China can apply by way B ...
What are the requirements for opening a passbook in the bank
1. If you apply for someone else, just bring your ID card, and the copy will be copied for you free in the bank;
2. If it's for someone else, you need it.