CB is a commercial bank. A commercial bank is a financial institution that aims to make profits, raises funds from a variety of financial liabilities, operates a variety of financial assets, and has the function of creating credit. Its concept is different from that of a central bank and an investment bank.
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CB is the abbreviation of Commercial Bank. A commercial bank is a financial institution that aims to make profits, raise funds with a variety of financial liabilities, operate a variety of financial assets, and has the function of creating credit.
The concept of a commercial bank is different from that of a central bank and an investment bank. It is a financial institution with the purpose of making profits, raising funds with a variety of financial liabilities, operating a variety of financial assets, and having the function of creating credit. .
General commercial banks do not have the right to issue currency, but several note-issuing banks in Hong Kong are still commercial banks. The business of traditional commercial banks mainly focuses on operating deposits and loans (lending), that is, in a relatively They borrow deposits at low interest rates and extend loans at higher interest rates. The interest rate difference between deposits and loans is the main profit of commercial banks.
Common commercial banks include:
Industrial Bank, formerly known as Fujian Industrial Bank, is a national joint-stock commercial bank headquartered in Fuzhou City, Fujian Province, China; it is approved by the State Council , one of the first batch of joint-stock commercial banks approved by the People's Bank of China. It was officially listed on the Shanghai Stock Exchange on February 5, 2007, with a registered capital of 12.702 billion yuan.
Hua Xia Bank was established in October 1992. It is a national joint-stock commercial bank with its head office in Beijing. In 1995, with the approval of the People's Bank of China, the joint-stock reform began and the company was restructured into Hua Xia Bank Co., Ltd. In September 2003, Hua Xia Bank publicly issued shares and was listed on the Shanghai Stock Exchange, becoming the fifth listed bank in the country.
Founded on April 8, 1987, China Merchants Bank is the first joint-stock commercial bank in China that is entirely owned by corporate legal persons. Founded by China Merchants Group Co., Ltd. of Hong Kong. Since its establishment, China Merchants Bank has made four capital increases and share expansions. In March 2002, it successfully issued 1.5 billion ordinary shares and was listed on the Shanghai Stock Exchange on April 9. It is the first bank in China to A public company that adopts international accounting standards.
Extended information
Common commercial banks in China include the following categories:
(1) State-owned commercial banks, including: Industrial and Commercial Bank of China, China Agricultural Bank of China, Bank of China, China Construction Bank, Bank of Communications, Postal Savings Bank of China.
(2) Joint-stock commercial banks: China Merchants Bank, Shanghai Pudong Development Bank, China CITIC Bank, China Everbright Bank, Hua Xia Bank, China Minsheng Bank, China Guangfa Bank, Industrial Bank, Ping An Bank, Hengfeng Bank, Zheshang Bank, Bohai Bank.
(3) Local commercial banks: that is, regional commercial banks established in each city based on the reorganization and restructuring of the original urban credit cooperatives. There are a large number of them, generally found in large and medium-sized cities, such as Taiyuan Commercial Bank , Yantai Housing Savings Bank, etc. Larger ones include Bank of Beijing and Bank of Shanghai.
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