1. Company Profile: China Construction Bank Co., Ltd. is a leading large commercial bank in China, headquartered in Beijing, and its predecessor, China Construction Bank, was established in June 1954+00. The Bank was listed on the Hong Kong Stock Exchange (stock code 939) on June 5438+1October 2005 and on the Shanghai Stock Exchange (stock code 60 1939) in September 2007. At the end of 20 19, the market value of the bank was about 21768.6 billion US dollars, ranking fifth among listed banks in the world. In terms of Tier 1 capital, the Group ranks second among global banks.
By 2020, this bank has provided comprehensive financial services such as personal banking, corporate banking, investment and wealth management, with 65,438+04,965,438+02 branches and 347,654,38+056 employees, serving hundreds of millions of individuals and corporate customers. In the fund, leasing, trust, insurance, futures, pension, investment banking and other industries with subsidiaries. Overseas institutions cover 30 countries and regions, with more than 200 overseas institutions at all levels.
Two. Development course: 1954+00 In June, the People's Construction Bank of China was established to manage and allocate government funds allocated to construction projects and infrastructure-related projects according to the national economic plan. [4] From 65438 to 0979, the People's Construction Bank of China became a financial banking institution directly under the State Council and assumed more functions as a commercial bank. [4] 1994, with the establishment of the China Development Bank, the People's Construction Bank of China assumed the policy loan function, and the People's Construction Bank of China gradually became a comprehensive commercial bank.
Three. Main business: China Construction Bank provides credit fund loans, residents' savings deposits, foreign exchange business, credit card business, policy-based housing reform finance and personal housing mortgage loans. Personal housing loan business Personal housing loan business refers to the loans granted by China Construction Bank or natural persons entrusted by China Construction Bank to purchase, build and overhaul various houses in Chinese mainland cities and towns. CCB's personal housing loan business mainly includes personal account housing loan and personal housing mortgage loan (including personal first-hand housing loan, personal second-hand housing loan, second-hand housing loan, personal commercial housing loan and personal housing mortgage loan). ), provident fund personal housing loans and personal housing portfolio loans.