introduction of China industrial and commercial bank
China industrial and commercial bank, a national specialized bank dealing with urban industrial and commercial credit and savings business, was established on January 1, 1984.
The basic task of China Industrial and Commercial Bank is to implement the national policies and decrees, support the development of industrial production, expand commodity circulation, promote the development of the tertiary industry, promote scientific and technological progress and technological transformation of enterprises, give full play to the role of financial undertakings in regulating funds in economic construction, and serve the four modernizations of socialism.
The business scope of China Industrial and Commercial Bank mainly includes:
(1) handling urban savings deposits, absorbing deposits from industrial and commercial enterprises and issuing financial bonds; (2) Handling working capital loans for state-owned industrial and commercial enterprises, urban collective enterprises and individual industrial and commercial enterprises; (3) to manage various special funds of industrial and commercial enterprises and relevant departments in charge of enterprises, and to handle technical transformation loans and part of capital construction loans; (4) Undertaking entrustment, agency, leasing, consulting and other businesses; (5) Handling cash and transfer settlement; (6) Handling foreign exchange business in special economic zones and some open cities.
China Industrial and Commercial Bank has a board of directors, its head office is in Beijing, and it has more than 2, branches all over the country. There are 29 branches in all provinces, autonomous regions and municipalities directly under the Central Government, 155 central branches in special regions and cities, 147 municipal (sub-) branches, 232 sub-branches in counties (cities), 93 offices, 2654 sub-branches, 13141 savings offices and 221 market town offices in the suburbs of cities and counties. China Industrial and Commercial Bank has more than 4, employees.
The financial strength of China Industrial and Commercial Bank has expanded rapidly since its establishment. By the end of 1985, the balance of various deposits reached 193.9 billion yuan, including 88 billion yuan from enterprises, accounting for 45.4% of all deposits, and 89.6 billion yuan from savings, accounting for 46.2% of all deposits. The balance of loans reached 3.8 billion yuan, and the self-sufficiency of credit funds was 65%. At present, there are more than 2 million industrial and commercial enterprises and 22 million individual savers in China Industrial and Commercial Bank.
The loan business handled by China Industrial and Commercial Bank can be divided into two categories: working capital loan and fixed capital loan. Working capital loans include loans from state-owned industrial enterprises, collective industrial loans, state-owned commercial loans and collective commercial loans. Individual business loans, etc. Fixed assets loans include loans for technological transformation and loans for development of capital construction. By the end of 1985, the balance of working capital loans was 264.8 billion yuan, accounting for 88% of the total loan balance, and fixed assets loans were 35.6 billion yuan, accounting for 11.8% of the total loan balance.
The trust business of China Industrial and Commercial Bank has been cleaned up and rectified, and it has been improved and become more healthy and reasonable. Using the characteristics of trust, such as flexibility, diversity and strong adaptability, it raised and financed funds, supported production, communicated purchase and sale, promoted technological progress and horizontal economic ties, and provided various credit services for the society. For example, providing advanced technology and equipment to enterprises by leasing, granting loans or investments to key transformation projects by entrusted loans, and communicating horizontal links between enterprises by means of economic cooperation loans. By the end of 1985, the proportion of entrustment, leasing and agency with trust characteristics in the total trust business increased from 36% in 1984 to 56%.
By the end of 1985, China Industrial and Commercial Bank had established 9 first-class information networks, 23 second-class information networks, 176 third-class information networks and 172 regional comprehensive information networks. Information network combines modern processing methods with traditional business processing methods, accelerates the transmission and feedback of information, and improves the quality and efficiency of information work. At the same time, according to the new situation and new problems in the reform of urban economic system, the organization forces went deep into reality to carry out special research, and through the exchange and popularization of research results, it played a positive role in strengthening macro-control and invigorating micro-economy.
introduction of China agricultural bank
China agricultural bank is one of the four wholly state-owned commercial banks and an important part of China's financial system, with its head office 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 has made great progress with them, and has become one of the largest banks in China. Overseas, Agricultural Bank of China has also won a good reputation through its own efforts, and was named one of the top 5 enterprises in the world by Fortune.
By the end of 2, China Agricultural Bank had more than 5, branches, including 32 tier-one branches, 5 branches directly under it, 1 business department of the head office and 3 training colleges. 31 secondary branches; There are 3,28 branch-level institutions, including 1,687 county (city) branches. There are 931 institutions dealing with foreign exchange business in China, which have established correspondent bank relations with 328 head offices of banks in 49 countries and regions around the world, and set up branches in Singapore and Hong Kong, as well as representative offices in London, Tokyo and new york. The total number of employees in the Bank is over 5,.
according to internationally accepted auditing standards, at the end of 2, the total assets of China Agricultural Bank were over 2 trillion yuan, the balance of deposits was 1,816.2 billion yuan, and the balance of loans was 1,478.3 billion yuan.
electronic construction has also made great progress. There are more than 45, computer outlets and more than 35, online outlets in the whole bank, and the computer processing coverage rate of various businesses reaches 93%, with the amount reaching 98%. The number of bank cards (Jinsui cards) issued reached 33.62 million. Electronic means have been further improved and market competitiveness has been further enhanced.