Bohai Bank is not a blacklisted bank, on the contrary, it is a relatively formal company, but the bad credit card rate exceeds the standard, which has brought certain influence to the company's reputation. The data shows that in 2020, Bohai Bank achieved revenue and net profit of 32.492 billion yuan and 8.445 billion yuan respectively, up by 65.438+04.50% and 3.07% year-on-year. By the end of 2020, the credit card loan balance of Bohai Bank was 4.307 billion yuan, an increase of 365,438+0% over the previous year; Non-performing credit card loans reached 269 million yuan, an increase of 65.438+92 million yuan over the previous year; The defective rate is 6.26%. The non-performing rate is higher among these banks, so it is not far from the black gold single bank.

1. What kind of bank is Bohai Bank?

(1) The full name of Bohai Bank is Bohai Bank Co., Ltd., which is a national joint-stock commercial bank in China. Established by Tianjin TEDA Investment Holding Co., Ltd., Standard Chartered Bank (Hong Kong) Co., Ltd. and China Ocean Shipping (Group) Corporation, headquartered in Tianjin.

(2) Bohai Bank is the first national joint-stock commercial bank approved by the China Municipal Government since 1996, the first Chinese-funded commercial bank that introduced overseas strategic investors in the launching stage, and the first national joint-stock commercial bank with its head office in Tianjin.

Two. Product introduction of Bohai Bank

(1) The wealth management of Bohai Bank is mainly divided into three categories: fixed income, guaranteed floating income and non-guaranteed floating income. Bank guarantee, the first two are guaranteed, and everyone can buy with confidence; The most risky category is non-guaranteed floating income.

(2) There are almost no fixed income wealth management products, but Bohai Bank also has capital preservation floating income wealth management products; Bank wealth management products will no longer have these classifications and gradually become net worth wealth management products.

(3) Bohai Bank's wealth management products are divided into five levels according to the risk level: from R 1 to R5, the higher the level, the greater the risk. However, in 2022, many R 1 low-risk, R2 low-risk wealth management products belong to non-guaranteed floating income products, and it is very likely that they are actually guaranteed.