In 2005, the total assets of China commercial banks reached 30 trillion yuan, and the market share of the four state-owned commercial banks accounted for 55%.
In 2005, the state-owned commercial banks in China developed steadily. The total assets of the four major state-owned commercial banks increased from 1693205 billion yuan to 19 15322 billion yuan, an increase of 13. 1%, accounting for 53.3% of banking financial institutions. Various liabilities increased from162146.2 billion yuan to 1836952 billion yuan, with an increase rate of 13.3%, accounting for 53.3% of banking financial institutions.
As of June 65438+February 3, 20051day, the total assets of China Construction Bank reached 4585742 million yuan.
China Bank is the third largest bank in China with total assets of 4.74 trillion yuan at the end of 2005.
China Industrial and Commercial Bank is the largest commercial bank in China, with total assets of 6.4 trillion yuan in 2005.
By the end of 2005, the total assets of China Agricultural Bank reached 47.71.01.90 billion yuan.
Bank of China
China's banking business covers traditional commercial banks, investment banks and insurance businesses, providing comprehensive and high-quality financial services to individual customers and corporate customers all over the world. Bank of China is mainly engaged in commercial banking, including companies, retail and financial institutions. Retail business mainly aims at the financial needs of individual customers and provides a full range of services based on bank cards. The business of financial institutions is to provide international remittance, fund settlement, interbank lending, custody and other comprehensive services for other banks, securities companies and insurance companies around the world. At present, it is still in a leading position in the fields of foreign exchange deposits and loans, international settlement, foreign exchange funds and trade financing. According to the British Banker's core capital ranking in 2003, China Bank ranked 15 in the world, ranking first in China's banking industry, and it is the bank with the strongest capital in China.
China construction bank
China Construction Bank has advantages in traditional business fields such as infrastructure loan, working capital loan, real estate finance, project cost consultation, project financing, trade financing, investment consultation and financial consultancy. At the same time, explore new marketing channels, open intermediary services such as agency, guarantee, consultation and fund custody one after another, and develop new products such as bank cards and online banking with the help of information technology. Product categories have developed from deposit, loan and settlement in the past to more than ten categories and hundreds of varieties such as bank card products, electronic banking products, agency business products and capital products. China Construction Bank's products and services constantly span the traditional business and service fields, and expand into newer fields with the help of technology and network advantages.
Industrial and Commercial Bank of China
China Industrial and Commercial Bank has the largest customer base in China, with about 654.38 billion individual customers and 865.438 billion corporate accounts. At the end of 2003, the balance of personal consumption loans reached 407.5 billion yuan, and the market share of personal housing loans ranked first in the country. 95.95 million peony cards were issued, and the consumption was 97.3 billion yuan. In 2003, the accumulated bill transactions were1677100 billion yuan. The market share of RMB settlement reached 45%, and the market share of securities and futures remained above 50%. China Industrial and Commercial Bank is also the largest asset custody bank in China, with 28 custody funds and total assets of 58 1 100 million yuan.
China Industrial and Commercial Bank has the most advanced technology level in China. On the basis of data centralization project, in 2003, China Industrial and Commercial Bank successfully put into operation the All-Function Bank (NOVA) system, which, together with the data warehouse providing technical basis for personalized service, constitutes an international advanced financial information technology platform, providing a strong impetus for the progress of business and management.
The business scope of China Industrial and Commercial Bank includes: handling RMB deposits, loans and consumer credit, residents' savings, all kinds of settlement, issuing and acting as an agent for issuing securities, acting as an agent for various businesses entrusted by other banks, handling foreign exchange deposits, loans, remittances, import and export trade and non-trade settlement, foreign currency and foreign currency bill exchange, foreign exchange guarantee and witness, overseas foreign exchange borrowing, foreign currency bill discount, issuing and acting as an agent for issuing foreign currency securities, and acting as an agent for spot and forward foreign exchange trading. Credit investigation and consulting services, dealing with buyer's credit, lending from international financial organizations and foreign governments, and business approved by China Banking Regulatory Commission in accordance with relevant laws, administrative regulations and other provisions.
Agricultural Bank of China
At present, Agricultural Bank of China has branches all over the country, becoming a large state-owned commercial bank with the largest number of branches and the widest business scope in China. The business field has developed from the initial rural credit and settlement business to a complete variety, combining local and foreign currencies, and can handle various international and domestic financial businesses. At present, it mainly includes: (1) RMB business. Absorb public deposits; Issue short-,medium-and long-term loans; Handle domestic and international settlement; Handle bill discount; Issuing financial bonds; Acting as an agent to issue, honor and underwrite government bonds; Buying and selling government bonds; Engage in interbank lending; Buying and selling, acting as an agent to buy and sell foreign exchange; Providing letter of credit services and guarantees; Agency payment and insurance agency business, etc. (2) foreign exchange business. Foreign exchange deposits; Foreign exchange loans; Foreign exchange remittance; Foreign currency exchange; International settlement; Acceptance and discount of foreign exchange bills; Foreign exchange loans; Foreign exchange guarantee; Settlement and sale of foreign exchange; Issuing and acting as an agent to issue foreign currency securities other than stocks; Buying and selling foreign currency securities other than stocks and acting as an agent; Conduct foreign exchange transactions on behalf of customers; Credit investigation, consultation and witness business
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