The relationship between inclusion and inclusion. Credit cooperatives are a subclass of banks.
Banks mainly include central banks, policy banks, state-owned commercial banks, joint-stock commercial banks, city commercial banks and credit cooperatives.
The central bank is the People's Bank of China, which is an integral part of the State Council, the bank's supervisory organ and the bank's bank, and is often called the Ma Yang. Responsible for the implementation of monetary policy and interest rate policy.
Policy banks such as China Development Bank, Export-Import Bank and Agricultural Development Bank do not aim at making profits, do not absorb public deposits and do not issue loans, but undertake policy financing activities of national key construction projects.
State-owned commercial banks such as Industrial and Commercial Bank of China, Agricultural Bank of China, Bank of China, China Construction Bank, etc. are properly the four systemically important banks (G-sib), and the capital scale has crushed foreign capital such as JPMorgan Chase Bank, Citibank and HSBC, which are the big names in the rivers and lakes. In addition, there are Bank of Communications and Postal Savings Bank. State-owned commercial banks are large commercial banks directly controlled by the state, with many customers and huge market scale.
Joint-stock commercial banks, such as China Merchants Bank, Shanghai Pudong Development Bank, China CITIC Bank, China Everbright Bank, Industrial Bank and Ping An Bank. It is the second echelon of the establishment of diplomatic relations between workers and peasants in the banking system.
City commercial banks are dominated by municipal or provincial finance, and their market positioning is to serve local economy and small and medium-sized enterprises. From the naming point of view, they are all "city names+banks", such as Changshu Bank, Nanjing Bank and Beijing Bank. City commercial banks are based on local conditions, which is an important supplement to the financial services of local enterprises.
Credit cooperatives are rural cooperative financial institutions that provide financial services with the approval of the central bank. It has strong China characteristics and has undergone years of adjustment and reform. At first, it was managed by the people's commune and production brigade, and later by the Agricultural Bank. After 1990s, the State Council separated the credit cooperatives from the Agricultural Bank and handed them over to the People's Bank for management. Judging from the reform trend, some local credit cooperatives have been transformed into commercial banks, and there is no attribute of rural cooperation.
From the business point of view, credit cooperatives serve agriculture, rural areas and farmers, undertake livelihood tasks such as social security pension settlement for rural population, payment and settlement of disaster relief funds for poor households, and have a large number of agriculture-related loan businesses. They are the most familiar banks for farmers' friends and township enterprises. From the layout point of view, credit cooperatives are good at doing business that big banks don't want to do or can't do, with the focus on sinking markets in towns and villages. It is difficult to see branches of ICBC, BOC, CCB or joint-stock banks in remote towns and villages, but credit cooperatives have branches all over towns and villages.