China Open Bank is a state-owned enterprise, and China Development Bank is a policy bank directly under the State Council. State-owned enterprises are controlled by state-owned capital, including wholly state-owned enterprises and state-owned holding/shareholding enterprises. State-owned enterprises are generally under the jurisdiction of local governments, and some are owned by other central ministries and commissions, with different status. At present, there is still a difference between state-owned enterprises and central enterprises, and the difference is still very big.

Banks are legally established financial institutions engaged in monetary and credit business, and are the product of the development of commodity monetary economy to a certain stage.

Banks are one of the financial institutions. Banks are divided into central banks, policy banks, commercial banks, franchised institutions, investment banks and the World Bank, with different responsibilities.

function

A bank is an enterprise dealing in money, and its existence is conducive to raising and financing social funds. It is a very important member of financial institutions.

We can see the business of the bank. On the one hand, it collects idle monetary funds and small monetary savings in society by absorbing deposits, and then lends them to people who need to replenish money in the form of loans. Here, banks act as intermediaries between lenders and borrowers.

On the other hand, banks handle the payment and settlement of money for commodity producers and businessmen, and also act as payment intermediaries. In short, banks play the role of credit intermediaries.

The basic functions of commercial banks include: credit intermediary, payment intermediary, credit creation and financial services.

Profit channel

The profit channels of banks include loans, bank insurance, sales of wealth management fund products, sales of financial equipment, consumption profit of financial intelligent terminal business, hedging business, bill business and so on.

The profit ratio of most domestic banks is: loan 30%, bank insurance 10%, wealth management fund product sales 10%, financial instrument sales 5%, financial intelligent terminal business consumption 30%, hedging business 5%, bill business 10% and so on. The profit ratio of foreign banks is: loan 15%, bank insurance 15%, wealth management fund product sales 15%, financial instrument sales 10%, financial intelligent terminal business consumption profit 35%, hedging business 5%, bill business 5% and so on.

In 2005, the total domestic and foreign currency assets of China's banking financial institutions reached 35.96 trillion yuan, a year-on-year increase of 19.3%. Total assets of state-owned commercial banks 19. 15 trillion yuan, an increase of17.5%; The total assets of joint-stock commercial banks were 5.49 trillion yuan, an increase of 24.4%; Total assets of city commercial banks 1.88 trillion yuan, an increase of19.9%; The total assets of other financial institutions were 9.44 trillion yuan, an increase of 20.0%.