1. Bank of Communications has low application threshold, quick withdrawal, long interest-free days, Y-power card 100% withdrawal, double points for in-store consumption of Wal-Mart card, and the highest point for in-store consumption can reach 1%.
2. China Merchants Bank has many kinds of cards, low bid threshold, permanent and effective points, strong online banking and convenient operation. Apple official website Merchants Bank does not charge fees for installment shopping, but the interest-free period is the shortest among all issuers, and the shortest is 18 days.
3. Compared with other state-owned banks, China Construction Bank has a lower application threshold and a lower handling fee (0.5%), and overdraft cash withdrawal supports the minimum repayment, but there are not many preferential activities.
Origin:
The word "bank" comes from Banca, Italy. Its original meaning is bench and chair, which is the business appliance of the earliest money changer in the market. English translation into Bank means the cabinet for saving money. In China, it is called "bank" because of the history of China's economic development.
In the history of our country, silver has always been one of the main monetary materials. "Silver" often represents money, while "bank" is the title of large commercial organizations. Calling a large financial institution dealing with money a bank was first seen in the Book of History by Hong Ren of the Taiping Heavenly Kingdom.
Origin:
It is generally believed that the earliest bank was established in Venice in 1407. Later, the Netherlands set up banks in Amsterdam, Germany in Hamburg and Britain in London. From the end of 18 to the beginning of 19, the bank developed in general.
/kloc-in the 0 th and 7 th centuries, some civilians became rich through business and became wealthy businessmen. To be on the safe side, they all put their money in the king's vault. It should be noted here that there was no paper money at that time, and the so-called saving money refers to storing gold.
Because the system of "free coinage" was implemented at that time, anyone could take gold bullion to the mint and cast it into gold coins, so the mint allowed customers to store gold. Unfortunately, these businessmen don't realize that the mint belongs to the king. If the king wants to use the gold in the mint, nothing can stop him.
1638, the king of England was Charles I, who had a war with Scottish nobles. In order to raise military expenses, he requisitioned gold from the people in the mint and lent it to the king.
The picture below shows Charles I, who was beheaded by Cromwell in 1649. This is the famous British bourgeois revolution. For details, please refer to Notes on British History (IV).
Although the confiscated gold was finally returned to the original owner, the merchants felt that the mint was no longer safe. So, they put the money with a Goldsmith. The goldsmith issued a voucher to the depositor, and then he could take out the gold with this voucher.
Soon, merchants found that when they needed money, they didn't need to take out gold at all, just give the gold certificate to each other.
Later, the goldsmith suddenly realized that the original voucher he opened had the function of money! They couldn't resist the temptation and began to open "fake coupons". But magically, as long as all customers don't come to collect gold on the same day, "fake coupons" are equivalent to "real coupons". This is the origin of the "reserve system" of modern banks and the origin of the "money creation" mechanism. The banking system can enlarge the amount of credit money, but physical money can't.