1. How many private banks are there in China? The answer is 19, two of which were just approved in 2008, namely, Jiangxi Yumin Bank and Wuxi Xishang Bank.
The establishment of private banks began in 20 13, and the first batch of private banks officially opened in 20 14. At that time, there were five private banks, namely: Shenzhen Qianhai Weizhong Bank, Wenzhou Civil and Commercial Bank, Tianjin Jincheng Bank, Zhejiang Online Bank and Shanghai Huarui Bank.
In 20 16 years, 1 1 banks officially opened, namely: Chongqing Fumin Bank, Sichuan Wangxin Bank, Hunan Sanxiang Bank, Anhui Xin 'an Bank, Fujian Huatong Bank, Wuhan Zhongbang Bank, Beijing Zhongguancun Bank, Jiangsu Suning Bank, Weihai Lanhai Bank, Liaoning Zhenxing Bank and Jilin Yilian Bank.
Meizhou China Merchants Bank 1997 opened.
2. Which private bank is bigger? According to the disclosure of annual reports of various banks, Qianhai Weizhong Bank has the highest operating income, with a total annual operating income of 65.438+0.003 billion yuan, a year-on-year increase of 48.63%, followed by online banking, with a total annual operating income of 6.284 billion yuan, a year-on-year increase of 46.99%.
In terms of asset scale, the asset scale of Qianhai Weizhong Bank was 220.037 billion yuan, up 169% year-on-year. The scale of assets ranks first among private banks, Zhejiang Online Commercial Bank ranks second, with total assets of 95.864 billion yuan, followed by Fumin Bank, Huarui Bank and Wangxin Bank.
3. Which private bank has a higher deposit interest rate? From the perspective of deposit interest rate, private banks are generally higher, among which Jilin Yilian Bank has a higher interest rate. Its highest deposit rate reached 6% in 2008. At present, the interest rate of the same product is 5.68%, which is the highest among all private banks. In addition, the five-year deposit interest rates of China Merchants Bank and Blue Ocean Bank have also reached more than 5.3%. Please refer to the following pictures for details.
Some basic information about private banks. I hope the answer will help you. Thank you for reading, and welcome to pay attention to the * * * fund through train.
Since 2065438+June 2003, the state first proposed to explore the establishment of private banks, at least 50 listed companies have announced the layout of private banks. However, as of 65438+February 2008, there were only 17 private banks in China. Since then, the state has obviously tightened the establishment of private banks, and even allowed the establishment of private banks.
Which is the largest private bank? Although there are currently 17 private banks, private banks in China are not listed companies and do not need to disclose their performance. So far, only 1 1 of the 7 private banks have disclosed their annual performance data.
According to the published data, the assets of 1 1 private banks are all below 1000 billion yuan, and the largest Qianhai Weizhong Bank is only 8 1704 billion yuan, which is less than 1000 billion yuan (even much lower than many rural commercial banks); Followed by Zhejiang online merchant bank, with total assets of 78 1.7 1 100 million yuan; Both of them support half of private banks, which also reflects that shareholder resources determine the operating orientation and development status of private banks to a certain extent.
Shanghai Huarui Bank, the third largest bank, has only 39 1.4 1 billion yuan, which is only half the size of online merchant banks, while other banks have less than 20 billion yuan. 1 1 Only five of the banks have made a profit of over 100 million yuan, and even the Blue Ocean Bank in Weihai has lost nearly 100 million yuan, while the other six banks are afraid to publish annual reports. Perhaps the data is even more ugly.
From the above data alone, at present, there are some private banks with certain strength, such as Weizhong, online merchants, Huarui, etc., and the rest are still relatively weak.
Which interest rate is the highest? At present, official website 17 private banks have announced the corresponding interest rates. Judging from the published interest rates, the highest five-year interest rates are mostly within 5%, mainly between 4% and 5%. However, some banks that have cooperated with JD Finance have launched high-interest products of more than 5%. Take Yilian Bank as an example, the deposit interest rate in official website is only 3.575% for three years (please pay attention to the actual interest rate and inquire in detail. The interest rate of five-year deposit products of Yilian Bank embodied by Jingdong Finance is as high as 5.45%, which is the highest among known private banks.
To sum up, although private banks are approved by the China Banking Regulatory Commission and enjoy the guarantee of RMB in the Deposit Insurance Regulations, once they go bankrupt, it is always an unpleasant hassle to settle claims. Therefore, private banks can invest in their products appropriately, but it is not recommended to hold all of them in heavy positions.