After the founding of New China, after three years of national economic recovery, China began to implement the first five-year plan and launched a large-scale economic construction on 1953. In order to strengthen the management of national capital construction funds, with the approval of the State Council, the Central People's Government, the People's Construction Bank of China was formally established on June 1954 65438+ 10/day.
-In the following 20 years, China Construction Bank, as a national specialized bank, mainly handled national capital construction funds, managed and supervised the use of capital construction funds determined by the state plan, and made outstanding contributions to improving investment efficiency and accelerating national economic construction and development.
Since the mid-1980s, in order to meet the requirements of economic and financial system reform and economic development, China Construction Bank has successively launched cash cashier, household savings, fixed assets loans, working capital loans for industrial and commercial enterprises, international finance, housing loans and various principal-agent services. By opening various commercial banking services to the public, the functions of banks have been enriched and a solid foundation has been laid for the transition to modern commercial banks.
-1994 in accordance with the requirements of the national investment system reform, China Construction Bank transferred its financial functions and policy capital construction loans to the Ministry of Finance and the China Development Bank respectively, no longer performing administrative and policy business functions, and took an important step in transforming into a modern commercial bank.
-1996 On March 26th, the People's Construction Bank of China officially changed its name to China Construction Bank (CCB), and launched its emblem, thus stepping onto the social and economic stage with a brand-new image.
-In the new century, China Construction Bank, on the basis of consolidating its deposit and loan business, has opened up markets, optimized its structure, vigorously developed intermediary business and actively intervened in commercial banking business. More and more financial products are constantly pushed to the society to serve our customers.
-Facing the new situation and new market, CCB will continue to deepen reform and forge ahead, and strive to build a modern commercial bank with perfect governance structure, sound operating mechanism, clear operating objectives, good financial status and strong international competitiveness.
-CCB has business outlets all over the country. At present, China Construction Bank has 38 tier-one branches, about 2 1 000 branches and outlets, nearly 9,000 ATMs and more than 260 full-featured self-service banks, with 4 1 000 employees. The total assets are 3083.022 billion yuan, and the owner's equity is 107063 billion yuan. In July 2002, it ranked 28th in the ranking of Tier 1 capital of 65,438+0,000 big banks in the world published by Banker magazine.
-China Construction Bank has comprehensive functions and continuous innovation. Not only in infrastructure loans, working capital loans, real estate finance, project cost consulting, project financing, trade financing, investment consulting, financial consulting and other traditional business areas have advantages. , but also constantly explore new marketing channels, has opened intermediary services such as agency, guarantee, consulting and fund custody, and developed 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.
-China Construction Bank is moving towards modernization and internationalization at a vigorous pace. It has set up overseas branches in Hongkong, Singapore, Frankfurt, Johannesburg and Tokyo, and representative offices in London, new york and Seoul. It has established correspondent bank relations with more than 700 banks in more than 80 countries (regions) around the world, and maintained close business ties with more than 65,438+0,000 investment banks, insurance companies, governments (central bank and Ministry of Finance) and multilateral financial institutions in the international financial market, forming a network all over Europe.
China International Capital Corporation Limited, which is controlled by China Construction Bank, provides customers with a variety of financial services focusing on investment banking.
-China Construction Bank pays attention to people's livelihood and provides a series of high-quality, convenient and thoughtful personal financial services for ordinary people. From local and foreign currency savings deposits of individual customers to a series of remittance and payment services; From food, clothing, housing and transportation to investment and financial management, China Construction Bank has penetrated into people's lives more and more.
-China Construction Bank took the lead in undertaking the financial business of housing reform nationwide, and personal housing loans have long been in the leading position in the domestic real estate finance field. Accumulated support for more than 5 million residents to realize their dream of buying a house. With the comprehensive promotion of personal housing loan brand "Happy Home", the service concept of "buying a house and going to China Construction Bank" is more deeply rooted in people's hearts.
-China Construction Bank has also taken the lead in launching a series of services in China, such as automobile consumption loans, student loans and decoration loans, thus fulfilling people's life dreams.
-"Longka", as a well-known service brand in the domestic industry, has won wide recognition and praise from customers. The cumulative number of cards issued exceeded 654.38+0.2 billion, ranking first among domestic peers. There are 85,000 special merchants in Longka, and the telephone service of Longka IC card and IP card has been opened.
China Construction Bank has always followed the progress of high-tech information technology and continuously expanded the field of financial services. The fund settlement system of China Construction Bank is safe, fast and efficient. It has realized the integration of remittance, clearing, reconciliation, inquiry and monitoring, and is at the leading level among domestic peers. "Important Customer Service System" can provide customized services for customers such as group enterprises, multinational companies, financial peers and government departments. Personal electronic remittance brand product "Kuaihuitong" has realized that personal electronic remittance arrives in 24 hours and urgent remittance arrives in two hours, which has brought great convenience to the rapid flow of personal funds.
-China Construction Bank acts as an agent for RMB fund settlement, securities fund settlement and other fist products with excellent quality and complete functions. Being the central financial settlement business is unique. The securities business system is advanced in technology, safe and efficient. It has represented more than 65,438+000 securities institutions and is one of the important clearing banks in Shanghai and Shenzhen stock exchanges. The agent provides fund settlement services for more than 65,438+000 commercial banks, including foreign banks.
The online banking, mobile banking and telephone banking networks developed by China Construction Bank can break through the time and geographical restrictions and provide customers with safe, fast and personalized services.
Bank of China
Bank of China 19 12 was approved by Sun Yat-sen and is the oldest bank in China. At present, Bank of China is a leading international bank in China, with branches all over the world, and its business covers comprehensive financial services including traditional commercial banks, investment banks and insurance businesses.
During the 37 years from the establishment of Bank of China to the establishment of People's Republic of China (PRC) in 1949, Bank of China was first the central bank of the country and then the international exchange bank. Since the establishment of private banks, China Bank has opened up the market, established its reputation and embodied its entrepreneurial spirit in a difficult environment. In the subsequent historical period, faced with the changes of political situation and fierce competition between Chinese and foreign banks, China Bank never stopped fighting with various problems and pressures. Before liberation, China Bank occupied an extremely important position in China banking industry with its excellent performance, and wrote an indelible chapter in the modern banking history of China.
Since 1949, China Bank has become the only designated foreign exchange and foreign trade bank in China. China Bank has made great contributions to the national economic construction and development by promoting the development of international trade and foreign direct investment in China. After the financial system reform from 65438 to 0994, China Bank became a state-owned commercial bank, and together with three other state-owned commercial banks became the pillar of the national financial industry. 1994 and 1995, Bank of China became note-issuing banks in Hongkong and Macau respectively.
The main business of China Bank is traditional commercial banking, including corporate business, retail business and financial institution business. Based on the bank's core credit products, the company is committed to providing customers with personalized and innovative financial services. Retail business mainly aims at the financial needs of individual customers of banks and provides a full range of services based on the Great Wall Card. 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.
In order to adapt to the development trend of international financial industry, China Bank has expanded its business scope to investment banking and insurance business on the basis of consolidating traditional commercial banking business. As a wholly-owned subsidiary of Bank of China, BOC International has become the most successful overseas investment bank in China, with the longest history, the largest assets under management, the widest distribution channels and the richest professionals. China Bank is constantly striving to develop into an international big bank that can provide comprehensive financial products and services.
Since the beginning of 2000, China Bank has carried out a series of reforms around establishing a good corporate governance mechanism in order to improve its competitive advantage. In 200 1 year, Bank of China successfully reorganized the Hong Kong Bank of China Group, merged 10 member banks and established the locally registered "Bank of China (Hong Kong) Limited". On July 25th, 2002, the restructured Bank of China (Hong Kong) Limited was successfully listed on the Hong Kong Stock Exchange, becoming the first state-owned commercial bank in China to be listed overseas.
In 2002, China Bank continued to be the most profitable bank in China, with an operating profit of 52.7 billion yuan before provisions and historical burdens, up by 27. 1% year-on-year. After deducting the listing income of BOC in Hong Kong, the actual operating profit was 47.2 billion yuan. By the end of 2002, the total assets of China Bank Group were 3,593.9 billion yuan, and the owners' equity was 2,654.38+097 billion yuan. There are 12090 domestic institutions and 58 1 overseas institutions, which are distributed in 26 countries and regions. The total number of employees is 192468. According to the ranking of Tier 1 capital by Banker magazine, Bank of China ranks11; Bank of China ranks first among the 250 largest banks in emerging markets in the world ranked by Euromoney magazine according to owner's equity.
In recent years, the reputation and status of China Bank have steadily increased. Bank of China/KLOC-was selected as a Fortune Global 500 enterprise in 0/4. In 2002, it was rated as "the best bank in China" and "the best domestic commercial bank in China" by Euromoney and Assets respectively. It was named "Best Trade Finance Bank in China in 2002" and "Best Foreign Exchange Bank in China in 2002" by Global Finance magazine. After the reorganization and listing, BOC Hong Kong won 65,438+00 important awards such as investor relations, best IPO investor relations award and Asian finance, best transaction and best privatization award.
On February 5th, 2002, China Bank celebrated its 90th birthday. Ninety years of ups and downs have created the excellent reputation of China Bank at home and abroad, and created the fine tradition of China Bank's reputation first and innovation. China Bank will continue to reform and innovate, and constantly pursue new success. China Bank, with a history of 90 years, is bound to glow with new vitality and write a new and more magnificent historical chapter.
Industrial and Commercial Bank of China
China Industrial and Commercial Bank, founded in 1984, is the largest commercial bank in China. After the reform and development in recent years, ICBC has stepped into the track of coordinated development of quality, efficiency and scale. By the end of 2002, the total assets were nearly 4.8 trillion yuan, accounting for a quarter of the domestic total assets of China Commercial Bank, and the operating profit in 2002 was 44.9 billion yuan. China Industrial and Commercial Bank has the largest customer base in China, with about 654.38 billion individual customers and 865.43 million corporate customers. More than 22,000 outlets and more than 400,000 employees provide quality and efficient services to customers.
China Industrial and Commercial Bank has a wide range of business and a large volume of business. By the end of 2002, it became the only bank in China with a deposit balance of over 4 trillion yuan and a loan balance of nearly 3 trillion yuan. ICBC's RMB settlement market share is 45%, and its clearing share in the securities and futures market remains above 50%. In 2002, RMB settlement business was 6,543.8 billion yuan. While the traditional advantageous business has developed steadily, the new business has grown strongly. In personal housing mortgage loans, bank cards, fund operations, fund custody and other business areas, are in the leading position in the industry. By the end of 2002, the balance of personal consumption loans of China Industrial and Commercial Bank reached 303 billion yuan, and the market share of personal housing loans ranked first in China. Through the reform of management mechanism, the number of peony cards issued by the end of 2002 was nearly 80 million, and the consumption was 68.5 billion yuan; Capital operation business has become a new business highlight of ICBC. In 2002, the bank realized bill transactions of more than 870 billion yuan, and the balance of bond assets at the end of the year exceeded 800 billion yuan, making it the "leader" in the domestic bond market. ICBC is also the largest fund custodian bank in China. By the end of 2002, there were 20 trust funds with assets exceeding 30 billion yuan, ranking first in the industry for five consecutive years.
China Industrial and Commercial Bank has advanced international computer network and technology platform. In 2002, the three major scientific and technological projects of China Industrial and Commercial Bank achieved fruitful results. The project of data centralization has been successfully completed, the comprehensive business system has been put into full operation, and the results of data warehouse construction have begun to show, which has greatly improved the informatization level of ICBC's management and financial services and promoted the process of commercialization reform. With the strong support of scientific and technological means, ICBC's various businesses are constantly innovating. New financial products and brands such as Bank-Securities Link, Bank-Insurance Link, Remittance Link, Cash Management, Personal Cheque Link, Factoring Business, Wealth Management Account, Financial E-Channel, and Foreign Huitong are continuously introduced; The service level has been significantly improved, forming a pattern of coordinated operation of physical outlets and self-service. The three-dimensional service system of electronic banking, which consists of self-service, telephone banking, mobile banking and online banking, is becoming more and more mature. By the end of 2002, more than 300 cities had opened cross-border networking between bank cards and online banking, with 4 million individual customers of online banking and100000 individual customers of telephone banking. In 2002, the transaction volume of electronic banking reached more than 87,000.
China Industrial and Commercial Bank is also a large international bank. There are 7 1 branches and holding banks in the world's major international financial centers, and its overseas correspondent banks reached 1020 by the end of 2002. At the end of 2002, the total foreign exchange assets of China Industrial and Commercial Bank were US$ 49.9 billion, and the annual international business settlement was US$ 1 186 billion.
The business performance of China Industrial and Commercial Bank has attracted worldwide attention. China Industrial and Commercial Bank has been rated as "the best bank in China" by the famous British financial magazine Banker and American Global Finance for three times in a row. Banker magazine ranks 65,438+0,000 big banks in the world according to Tier 1 capital. China Industrial and Commercial Bank has been selected into the top 10 for four consecutive years, ranking first in the country for five consecutive years. Fortune, an authoritative American financial magazine, ranks the top 500 companies in the world according to their operating income, and China Industrial and Commercial Bank has been selected for four consecutive years.
China Industrial and Commercial Bank implements a unified management system for commercial banks authorized by legal persons. China Industrial and Commercial Bank's legal person authorization management is an internal organizational management system with authorization and credit as the main contents. It grants specific business authority to relevant business functional departments, branches and key business positions within the statutory business scope, and sets the maximum credit control limit for each service area and customers, so as to standardize operations, enhance risk prevention and control capabilities, and improve intensive management level and economic benefits. The head office of China Industrial and Commercial Bank is the operation and management center, capital dispatching center and leadership and command center of the whole bank. It owns the corporate property rights of the whole bank and is responsible for the efficiency, safety and liquidity of the whole bank.
The main businesses of China Industrial and Commercial Bank include:
RMB business: absorbing RMB deposits; Issue short-,medium-and long-term loans; Handle settlement; Handle bill discount; Acting as an agent to issue, honor and underwrite government bonds; Buying and selling government bonds; Engage in interbank lending; Providing letter of credit services and guarantees; Acting for payment and insurance agency business; Safe deposit box service is available.
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; Self-operated foreign exchange transactions; Conduct foreign exchange transactions on behalf of customers; Foreign exchange credit card issuance; Acting as an agent for issuing and paying foreign credit cards; Credit investigation, consultation and witness business.
Agricultural Bank of China
Agricultural Bank of China is one of the four wholly state-owned commercial banks and an important part of China's financial system. Its headquarters is located in Beijing. In China, Agricultural Bank of China has branches all over urban and rural areas, with strong financial strength and complete service functions. It is not only trusted by the general public and customers, but also made great progress with them, becoming one of the largest banks in China. Overseas, the Agricultural Bank of China has also won a good reputation through its own efforts, and has been rated as one of the top 500 enterprises in the world by Fortune.
By the end of 2002, China Agricultural Bank had 32 tier-one branches, 5 directly affiliated branches, 1 head office business department and 3 training colleges. We have established correspondent bank relations with more than 300 bank headquarters around the world, set up branches in Singapore and Hongkong, and set up representative offices in London, Tokyo and new york.
By the end of 2002, China Agricultural Bank had total assets of 2,976.566 billion yuan, loan balance of 65.438+091296.0 billion yuan, deposit balance of 247.96438+08 billion yuan, and realized after-tax profit of 2.897 billion yuan.
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.
In 2002, the electronic construction of Agricultural Bank made great achievements. The construction of 36 provincial data centers, general networking project, national data center prototype project and the promotion of centralized credit management system were successfully completed, which realized the centralization of all core business data in provincial data centers and the networking of all effective business outlets, and initially formed a national information system infrastructure with 36 provincial data centers as nodes and the head office data exchange center as the core. By the end of 2002, there were 783 1 ATMs, 71ATMs and19 automatic transfer point-of-sale (POS) terminals and 269 self-service banks in China, and the electronic banking system was initially established.
The bank card business has grown rapidly, the network system and product functions have been further improved, and the economic benefits have been greatly improved. By the end of 2002, the bank had issued a total of 9.76110,000 cards (including 4.6 million quasi-credit cards and 9.3110,000 debit cards), an increase of 3 1.38 million over the previous year, with an increase of 47.38%. Among the four major state-owned commercial banks, the growth of Jinsui card issuance accounts for 46.74% of the industry growth share, ranking first in the industry with a market share of 28.20%. The balance of card deposits reached 654.38+0699 billion yuan, an increase of 73.2 billion yuan or 76% compared with the beginning of the year; The increase in card deposits accounts for 665,438+0% of the increase in demand deposits of the whole bank; Cumulative consumption reached 40.3 billion yuan, an increase of 63%; Fee income reached 260 million yuan, an increase of 98 million yuan or 60% over the previous year; The amount of international card receipts was 654.38+66 million yuan, an increase of 42% over the previous year; The abnormal overdraft rate dropped by 8 percentage points. Bank card acceptance outlets are 3685 1 bank card, and there are 34363 online outlets; There are 82,397 special merchants and 53,524 online merchants. Across the country, 100 cities have realized cross-bank use with other banks' bank cards, and 83 cities have issued nationwide universal unionpay cards.
1994 to adapt to the new situation of China's economic and financial system reform, the Agricultural Bank of China, after divesting its policy-oriented financial business and then separating from the rural credit cooperatives, accelerated the transformation from state-owned specialized banks to state-owned commercial banks, actively adjusted its business strategy, changed its operating mechanism, and pinpointed its market position. In the division of labor and cooperation system of rural policy finance, commercial finance and cooperative finance, according to the needs of rural economic development and urban-rural economic integration, we should actively expand business areas, improve management level and stress operational efficiency. Focusing on the adjustment of agricultural structure, based on large agriculture and large market, we will focus on supporting the large-scale operation of high-quality agriculture, the industrialization of agricultural science and technology and the integrated development of urban and rural economy. In terms of credit input, it has given outstanding support to the construction and development of "two high and one excellent" agriculture and "vegetable basket" project; Focus on supporting the healthy development of leading enterprises in agricultural industrialization and township enterprises with clear property rights and scientific management. At the same time, actively support the construction and transformation of rural power grids and the development of small towns. Do a good job in poverty alleviation and comprehensive agricultural development according to the requirements of the State Council.