China Industrial and Commercial Bank is a national professional bank that handles urban industrial and commercial credit and savings business. It was established in June 1 984+1October1.
The basic task of China Industrial and Commercial Bank is to implement the national policies and decrees, support the development of industrial production, expand the circulation of commodities, promote the development of the tertiary industry, promote the scientific and technological progress and technological transformation of enterprises, give play to the role of financial undertakings in regulating funds in economic construction, and serve the realization of the four modernizations of socialism.
The business scope of China Industrial and Commercial Bank mainly includes:
(1) handle urban savings deposits, absorb deposits from industrial and commercial enterprises, and issue financial bonds; (2) Handling working capital loans for state-owned industrial and commercial enterprises, urban collective enterprises and individual industrial and commercial enterprises; (three) to manage all kinds of special funds of industrial and commercial enterprises and the competent departments of enterprises, and to handle technical transformation loans and some capital construction loans; (four) to undertake entrustment, agency, leasing, consulting and other services; (5) Handling cash and transfer settlement; (6) Handling foreign exchange business in special economic zones and some open cities.
China Industrial and Commercial Bank has a board of directors, a head office in Beijing and more than 20,000 branches in China. There are 29 branches in provinces, autonomous regions and municipalities directly under the Central Government, 65,438+055 branches in special areas and urban centers, 65,438+047 sub-branches in cities, 2,032 sub-branches in counties (cities), 930 suburban offices in cities and counties, 2,654 sub-branches and 65,438+0 savings offices. China Industrial and Commercial Bank has more than 400,000 employees.
Since the establishment of China Industrial and Commercial Bank, its financial strength has expanded rapidly. By the end of 1985, the balance of various deposits reached193.9 billion yuan, including 88 billion yuan in corporate deposits, accounting for 45.4% of all deposits, and 89.6 billion yuan in savings deposits, accounting for 46.2% of all deposits. The loan balance reached 300.8 billion yuan and the self-sufficiency rate of credit funds was 65%. At present, China Industrial and Commercial Bank has more than 2 million industrial and commercial enterprises and 220 million individual depositors.
The loan business handled by China Industrial and Commercial Bank is divided into two categories: working capital loan and fixed capital loan. Working capital loans include loans from state-owned industrial enterprises, collective industrial loans, state-owned commercial loans and collective commercial loans. Self-employed loans, etc. Fixed assets loans include technical transformation loans and capital construction development loans. At the end of 1985, the balance of working capital loans was 264.8 billion yuan, accounting for 88% of the total loan balance, and fixed assets loans were 35.6 billion yuan, accounting for 1 1.8% of the total loan balance.
The trust business of China Industrial and Commercial Bank has been improved, healthier and more reasonable. It uses the flexibility, diversity and adaptability of trust to raise and finance funds, support production, communicate purchase and sale, promote technological progress and horizontal economic ties, and provide various credit services for the society. For example, advanced technology and equipment are provided to enterprises by lease, loans or investments are granted to key transformation projects by entrusted loans, and horizontal links between enterprises are communicated by economic cooperation loans. By the end of 1985, the proportion of entrustment, leasing and agency business with trust characteristics in all trust business increased from 36% in 1984 to 56%.
By the end of 1985, China Industrial and Commercial Bank had established 9 primary information networks, 23 secondary information networks, 176 tertiary information networks and 172 regional comprehensive information networks. Information network combines modern processing methods with traditional business processing methods, which accelerates the transmission and feedback of information and improves the quality and efficiency of information work. At the same time, according to the new situation and new problems in the reform of urban economic system, the organization has carried out special research in depth, and played an active role in strengthening macro-control and invigorating microeconomics through the exchange and popularization of research results.
Brief Introduction of Agricultural Bank of China
Agricultural Bank of China is one of the four wholly state-owned commercial banks and an important part of China's financial system. Its headquarters is located in Beijing. In China, Agricultural Bank of China has branches all over urban and rural areas, with strong financial strength and complete service functions. It is not only trusted by the general public and customers, but also made great progress with them, becoming one of the largest banks in China. Overseas, the Agricultural Bank of China has also won a good reputation through its own efforts, and has been rated as one of the top 500 enterprises in the world by Fortune.
By the end of 2000, China Agricultural Bank had more than 50,000 branches, including 32 tier-one branches, 5 branches directly under it, 1 business department of the head office and 3 training colleges. 30 1 secondary branch; There are 3,280 branch-level institutions, including county (city) branches 1687. China has 93 1 institutions dealing in foreign exchange business, established correspondent bank relations with 328 head offices of banks in 49 countries and regions around the world, set up branches in Singapore and Hong Kong, and set up representative offices in London, Tokyo and new york. The total number of employees in this bank exceeds 500 thousand.
According to internationally accepted auditing standards, at the end of 2000, the total assets of China Agricultural Bank were over 2 trillion yuan, the balance of deposits was 18 162 billion yuan, and the balance of loans was1478.3 billion yuan.
Great progress has also been made in electronic construction. There are more than 45,000 computer outlets and more than 35,000 online outlets, and the computer processing coverage rate of various businesses reaches 93%, and the amount reaches 98%. The number of bank cards (Jinsui cards) issued reached 33.62 million. Electronic means have been further improved, and market competitiveness has been further enhanced.