Branch: It is divided into tier-one branches and tier-two branches. The business scope of tier-one branches such as Beijing Branch and tier-two branches such as Shandong Jimo Branch is wider than that of sub-branches. Sub-branch: it is a relatively basic unit. It also has online branches or bank offices. Bank offices have savings offices within their jurisdiction. Savings offices mainly engage in personal savings business, such as deposit and withdrawal, collection of utilities, etc. , mainly for individuals. Head Office: Each bank has only one head office. For example, the head office of ICBC is in Beijing. Under normal circumstances, the head office will be in charge of all business within the banking system, including policy formulation, business norms, or national and even overseas business. The difference between a bank branch and a sub-branch: the head office is a branch and the sub-branch is a sub-branch. Branches report to branches, and branches report to the head office. Generally, there are branches in big cities, and branches have multiple outlets.
1. Branch is a branch of a bank. It is the competent bank of regional banks and can manage savings offices and bank offices. The first-level branch of the head office is a provincial bank, the second-level branch is a city bank, the first-level branch is a district, county and county-level city bank, and the second-level branch is a bank or savings office. Main functions of the sub-branch: the sub-branch is mainly responsible for the approval of some projects and the business inspection of subordinate institutions, such as the issuance of bank account opening licenses and loan cards. The specific responsibilities are as follows: implement a prudent monetary policy and support the economic development of the jurisdiction. Manage foreign exchange according to the authorization, and maintain the order and stability of foreign exchange within the jurisdiction. Manage the issuing bank, specifically responsible for the transfer and withdrawal of RMB issuing funds, the destruction and accounting of damaged bonds, the cash deposit and withdrawal of commercial banks, and the organization of RMB anti-counterfeiting. Maintain the normal operation of the payment and clearing system, carry out financial statistics, organize financial and economic statistical surveys, guide the deployment of anti-money laundering work in the financial industry, monitor anti-money laundering funds, manage the credit industry, promote the construction of social credit system, guard against systemic financial risks and maintain financial stability.
2. The branch is located at the provincial level, which is mainly responsible for the overall business planning and administrative management of the branches under the jurisdiction of the province. Set up provincial branches. Mainly responsible for the overall business planning and administrative management of the branches under the jurisdiction of the province. The role of branches is consistent with the services provided by the head office, providing banking services such as bank deposits, withdrawals and loans to bank users to meet the daily needs of users far away from the head office. A network of deposit, withdrawal and loan activities. Many large and medium-sized banks set up branches to extend their services to communities, states or countries in different regions. The services provided by branches are cheaper, faster, easier to operate and easier for customers to obtain. It is very common to open branches in prime bank. The branch structure is diverse and more flexible. Common ones are flat chain and straight chain.
3. The differences are as follows: different grades: the grades of banks are, from large to small, the provincial branches of the head office, the city branches of the first-level branches of the second-level branches, the county and city branches, and the banking supervision office of the second-level first-level branches. A branch is a branch of a bank. It is the competent bank of regional banks and can manage savings offices and bank offices. Banks generally have a head office, branches, sub-branches, bank business halls, savings business halls and other hierarchical settings. Different businesses: savings offices can only handle personal business, sub-branches can handle official business, and sub-branches can handle different bank statements. Sub-branches are regional banking regulators and can manage savings offices and sub-branches.