1, Industrial and Commercial Bank of China:
China Industrial and Commercial Bank serves urban industrial and commercial enterprises, government organizations and residents, and handles the deposit and loan business of industrial and commercial enterprises and the savings business of urban residents. Its deposit and loan business scale ranks first among all professional banks. China Industrial and Commercial Bank mainly handles the credit of urban industrial and commercial enterprises, absorbs the savings deposits of enterprises and cities, and handles the settlement of urban remittances.
2. Agricultural Bank of China:
Agricultural Bank of China mainly prepares and implements rural credit plans, raises rural funds, and uniformly dispatches and manages rural credit funds. Agricultural Bank of China mainly handles the deposit, loan and settlement business of rural organs, organizations, enterprises and institutions, and implements cash management and wage fund management for these units.
3. Bank of China:
China Bank is a professional foreign exchange bank in China, which manages the state's foreign exchange funds, handles the state's foreign exchange receipts and payments, and operates all foreign exchange businesses and RMB-related businesses. China Bank mainly deals in international settlement, foreign trade credit, Sino-foreign joint venture loans, export credit and international bank loans, as well as international trust and leasing business.
4. China Construction Bank:
China Construction Bank is a professional bank engaged in medium and long-term credit and investment business. China Construction Bank handles grants and loans for capital construction units, construction enterprises and geological exploration units, absorbs and uses deposits in fixed assets, and handles grants and loans for foreign trade projects.
Specialized banks:
Specialized banks are the names of commercial banks serving different customers' needs in the last century. At that time, there were relevant departments, banks and professional banks. Banks in relevant departments serve professional banks instead of public and private customers. Specialized banks handle deposits, loans and foreign exchange business with social customers. Among them, ICBC serves industrial and commercial enterprises, Agricultural Bank serves township enterprises and rural economy, China Construction Bank serves construction and installation enterprises and construction projects, and Bank of China specializes in foreign exchange business. The division of labor serves different customers, so it is called a professional bank.