1. Business scope:
-China Merchants Bank: China Merchants Bank mainly consists of retail banks and corporate banks. Retail banks are highly competitive in personal savings, credit cards and personal loans. Corporate banks mainly serve small and medium-sized enterprises and large enterprises, providing a package of financial services such as financing, settlement and savings.
-CITIC Bank: CITIC Bank is a comprehensive bank, covering commercial banks, investment banks, asset management and other fields. It is very competitive in corporate financing and investment banking.
-China Everbright Bank: China Everbright Bank is a bank focusing on corporate finance. It has certain characteristics and advantages in corporate finance, small and medium-sized enterprise finance, retail finance and financial market.
2. Business model:
-China Merchants Bank: China Merchants Bank combines counter services with online banking services to provide convenient financial services. Paying attention to innovation and technology application has certain advantages in the field of financial technology.
-CITIC Bank: CITIC Bank pays attention to comprehensive financial services and meets the different needs of customers through online and offline channels. At the same time, CITIC Bank also pays attention to cooperation with international institutions to expand its global business.
-China Everbright Bank: China Everbright Bank adheres to the concept of "simple avenue" and advocates a simple and efficient financial service model. It has certain advantages in mobile finance, e-commerce and internet finance.
3. Development direction:
-China Merchants Bank: China Merchants Bank pays strategic attention to the development of retail finance and technology and finance, and strives to improve the quality of financial services and innovation capability. At the same time, China Merchants Bank actively expands overseas markets and strengthens international operations.
—— CITIC Bank: CITIC Bank's strategy focuses on global financial services, insists on paying equal attention to both domestic and overseas, and accelerates the development of cross-border financial services. CITIC Bank is also committed to the integration with new technologies and new formats, and constantly introduces innovative financial technology products and services.
-China Everbright Bank: China Everbright Bank focuses on financial services for small and medium-sized enterprises and the development model of "technology empowerment+financial empowerment". Everbright Bank also pays attention to the expansion of regional finance and international finance.
Generally speaking, China Merchants Bank, China CITIC Bank and China Everbright Bank are all large domestic banks, but there are some differences in business scope, business model and development direction. The specific choice of which bank needs to be weighed according to personal needs and actual conditions.