The main business areas of China Construction Bank include corporate banking, personal banking and treasury business, with branches and subsidiaries in 29 countries and regions, and subsidiaries in many industries such as funds, leasing, trust, life insurance, property insurance, investment banking, futures and pension.

2. Industrial and Commercial Bank of China

The basic task of China Industrial and Commercial Bank is to raise social funds through financing activities at home and abroad, strengthen the management of credit funds, support enterprise production and technological transformation, and serve China's economic construction.

3. Agricultural Bank of China

Agricultural Bank of China is an important part of China's financial system. It provides various products and services for corporate banks and retail banks, and also carries out financial market business and asset management business. Its business scope also covers investment banking, fund management, financial leasing, life insurance and other fields.

4. PBOC Branch of China People's Bank

1 948 65438+February1The People's Bank of China was merged into Shijiazhuang City, Hebei Province on the basis of North China Bank, Beihai Bank and Northwest Farmers Bank.

1September, 983, the State Council decided that the People's Bank of China should exclusively exercise the functions of the national central bank of China. 1995 March 18, the third session of the Eighth National People's Congress passed the Law of the People's Republic of China on the People's Bank of China. So far, the People's Bank of China has been legally established as the central bank.

5. Bank of Communications BCM Branch

1 987 April1day, the newly established Bank of Communications officially opened to the outside world, becoming the first national state-owned joint-stock commercial bank in China, with its head office in Shanghai. Bank of Communications was listed on the Hong Kong Stock Exchange in June 2005 and successfully listed on the Shanghai Stock Exchange in May 2007.

Extended data

classify

Central Bank: China People's Bank is the central bank of China.

State-owned policy banks: including The Export-Import Bank of China, China Agricultural Development Bank and China Development Bank.

State-owned commercial banks: including China Industrial and Commercial Bank, China Agricultural Bank, China Bank, China Construction Bank, China Postal Savings Bank and Bank of Communications.

Investment banks: including Goldman Sachs, Morgan Stanley, Citigroup, Wells Fargo, UBS Group AG, Societe Generale, etc.

The asset scale and after-tax profit of China's banking industry have increased substantially year by year. 20 1 1 year, the profits realized by China's banking industry account for nearly one third of the total profits of the global banking industry. The scale of China's banking industry is developing rapidly, but under the background of accelerating interest rate marketization, intensifying internal and external competition and declining profit growth, banking financial institutions must make corresponding strategic adjustments in business structure, resource allocation and regional layout.

With the increasingly fierce competition in the banking industry, banking financial institutions pay more and more attention to the follow-up study of the industry development environment and market demand, especially the in-depth study of the banking business development environment and customer demand trends. Because of this, a large number of excellent domestic banking institutions have risen rapidly, gradually forming their own business characteristics and becoming industry leaders or rookies!

function

A bank is an enterprise dealing in money, and its existence is conducive to raising and financing social funds. It is a very important member of financial institutions.

We can see the business of the bank. On the one hand, it collects idle monetary funds and small monetary savings in society by absorbing deposits, and then lends them to people who need to replenish money in the form of loans. Here, banks act as intermediaries between lenders and borrowers.

On the other hand, banks handle the payment and settlement of money for commodity producers and businessmen, and also act as payment intermediaries. In short, banks play the role of credit intermediaries.

The basic functions of commercial banks include: credit intermediary, payment intermediary, credit creation and financial services.

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