Deposit insurance is a basic institutional arrangement of the financial industry widely implemented in all countries of the world. At present, more than 40 countries and regions in the world have established deposit insurance systems. The deposit insurance system in China began with the Deposit Insurance Ordinance, which came into effect on May 15, 2005.
Over the past five years, deposit insurance has played an important role in protecting depositors' rights and interests, preventing and resolving financial risks, and maintaining financial stability. Deposit insurance is deeply rooted in people's hearts. Almost everyone knows that "deposit insurance is limited to pay, and the maximum payment limit is RMB 500,000". Commercial banks, rural cooperative banks, rural credit cooperatives and other deposit-taking banking financial institutions established within the territory of People's Republic of China (PRC) must take out deposit insurance in accordance with regulations. Even if Baoshang Bank goes bankrupt in 2020, the interests of depositors will not be damaged. The deposits of individual depositors and corporate depositors will be borne by the newly established Shang Meng Bank and Shanghui Bank, and will be paid in accordance with the Deposit Insurance Regulations.
On June 28th, 2020, 1 1, the central bank made unified arrangements and authorized financial institutions participating in deposit insurance to fully use the deposit insurance logo. By the end of 2020 10, there will be 4025 financial institutions participating in deposit insurance. This paper will make a detailed inventory of these 4025 financial institutions (please correct me if there are any omissions).
I. Classification of Insured Financial Institutions
Among the 4025 insured financial institutions, 1 1 financial institutions:
1, 3 state-owned policy banks, including China Development Bank, The Export-Import Bank of China and China Agricultural Development Bank;
2. Six state-owned joint-stock banks, including China Industrial and Commercial Bank, China Agricultural Bank, China Bank, China Construction Bank, Bank of Communications and China Postal Savings Bank;
3. 12 joint-stock commercial bank; Including CITIC Bank, China Everbright Bank, Huaxia Bank, Minsheng Bank, China Merchants Bank, Industrial Bank, Guangfa Bank, Ping An Bank, Shanghai Pudong Development Bank, hengfeng bank, Zheshang Bank and Bohai Bank;
4. 19 private banks; Including Huarui Bank, Jincheng Bank, Zhenxing Bank, Suning Bank, Westbank Bank, Blue Ocean Bank, Zhongbang Bank, China Merchants Bank, Wangxin Bank, Zhongguancun Bank, Fumin Bank, Yilian Bank, Online Merchant Bank, Wenzhou Civil and Commercial Bank, Xin 'an Bank, Huatong Bank, Yumin Bank, Sanxiang Bank and Weizhong Bank;
5. 135 city commercial bank;
6.42 foreign banks;
7. 15 10 rural commercial bank;
8. 1634 village bank;
9.27 rural cooperative banks
10 and 636 rural credit cooperatives
1 1 and 1 direct bank-baixin bank.
Among the 4025 insured financial institutions, small and medium-sized banks account for the vast majority, and there are 3807 rural commercial banks+rural credit cooperatives+rural banks+rural cooperative banks, accounting for more than 94% of the total, but many of them are not strong. According to the list of national 100 banks published by China Banking Association in 2020, there are 20 rural commercial banks on the list, with total assets of 640 billion, accounting for only 26% of ICBC's 2,457.2 billion assets.
Two. Distribution of bank registration places
3 1 There are large and small banks in every province and city, including 267 in Hebei, 252 in Shandong, 225 in Henan and only 3 in Tibet. Break it down again
1, a state-owned policy bank-all three headquarters are in Beijing;
2. State-owned joint-stock banks-five are headquartered in Beijing and 1 are headquartered in Shanghai;
3. Joint-stock commercial banks-4 headquarters in Beijing, 3 headquarters in Guangdong, Zhejiang 1, Tianjin 1, Shanghai 1, Shandong 1, Fujian1;
4. Private banks-two in Jiangsu, two in Zhejiang, two in Guangdong, Shanghai, Tianjin, Liaoning, Shandong, Hubei, Chongqing, Beijing, Anhui, Fujian, Hunan, Jilin, Sichuan and Jiangxi 1.
5. City commercial banks-31provinces and cities have city commercial banks, of which Liaoning has the most 15.
6. Foreign banks-21headquartered in Shanghai, 9 in Beijing, 6 in Guangdong, 3 in Jiangsu, 2 in Tianjin, and 0/in Chongqing;
7. Rural commercial banks, rural cooperative banks, rural credit cooperatives and rural banks-there are at most 256 in Hebei, 236 in Shandong, 220 in Henan and at least 2 in Tibet.
Baixin bank, an independent legal person direct selling bank, is registered in Beijing.
According to the distribution of registered places of big banks, we can see in detail that Beijing, Shanghai and Shenzhen are the places with the largest number of big banks and the three major financial centers in China.
Finally, how to query the list of financial institutions participating in deposit insurance is very simple: open the homepage of the central bank in official website, search for "deposit insurance" on the homepage, and find the news that "China People's Bank deploys deposit insurance logo to enable". Pull down the news to the end, and you can see Annex 4: List of financial institutions participating in deposit insurance. Click download, and then query, have you learned?