The People's Bank of China is the central bank, responsible for the macro-control of the national economy, formulating monetary policies and issuing currency, and it is the big brother among banks. But it does not handle the business of commercial banks such as general deposits and loans.

Bank of China is one of the four state-owned commercial banks in commercial agriculture construction. Besides performing the functions of ordinary commercial banks, it also has its own characteristics.

For example, ABC emphasizes agricultural loans and subsidies.

On the other hand, companies provide entrepreneurial loans to enterprises or individuals.

CCB focuses on real estate investment and provides loans for individuals to buy houses and cars.

China Bank has gold and other futures trading for investment.

Other businesses also have their own emphasis. Some commercial banks serve local development, such as Shanghai Pudong Development Bank. There are also some policy banks, such as The Export-Import Bank of China, which provide guarantees for import and export products and formulate policies to serve national interests. Generally speaking, these banks are not for profit.