compared with China merchants bank, Bank of Zhengzhou has a better credit card. China Merchants Bank is the best service bank in China, the sixth largest bank in China and a national bank. Bank of Zhengzhou is a local bank. The credit of China Merchants Bank is higher than that of Bank of Zhengzhou. China Merchants Bank was established in Shekou, Shenzhen in 1987. It is the first joint-stock commercial bank wholly owned by an enterprise as a legal person in China, and the first pilot bank to promote banking reform from outside the system.