Industrial Bank is a private joint-stock commercial bank, which belongs to private holding and private operation, so it is a private enterprise. The top three shareholders of Industrial Bank are Fujian Provincial Department of Finance (18.78%), China Tobacco Corporation (5.34%) and China People's Property Insurance Company (4.56%). Therefore, Industrial Bank can be regarded as a state-owned joint-stock bank affiliated to Fujian Province and a local state-owned enterprise affiliated to Fujian Province. However, the color of state-owned enterprises has been very thin and the degree of marketization is relatively high.

State-owned banks, or state-owned banks, are large banks directly controlled by the state (Ministry of Finance and central huijin). Banks such as Bank of China, Agricultural Bank of China and Industrial and Commercial Bank of China are all state-owned banks.

It is understood that the main business of Industrial Bank Co., Ltd. is to provide banking and related financial services. Its main products include corporate financing, retail banking and financial markets. Compared with state-owned banks, private banks, such as Industrial Bank, have two very important characteristics. The first is autonomy. The operation and management rights of private banks, including personnel management rights, are completely decided by the banks themselves and are not subject to interference and control by any government department. The second is private ownership, that is, the property right structure of private banks is mainly composed of non-public economic components, so as to prevent government intervention to the maximum extent.

: Industrial Bank 1988 was established in Fuzhou, Fujian Province and listed on the Shanghai Stock Exchange in 2007 (stock code: 60 1 166). It is one of the earliest joint-stock commercial banks in China.

Its business scope includes: absorbing public deposits; Provide short-term, medium-term and long-term loans; Handle domestic and overseas settlement; Handle the acceptance and discount of bills of exchange; Issuing financial bonds; Issuing and underwriting government bonds as an agent; Buying and selling government bonds and financial bonds; Acting as an agent to issue securities other than stocks; Buying, selling or acting as an agent for securities other than stocks; Asset custody business; Engaged in interbank lending business; Foreign exchange trading and agency; Settlement and sale of foreign exchange; Engaged in bank card business; Providing letter of credit services and guarantees; Agency payment and insurance; Provide safe deposit box service; Financial consultation, credit investigation, consultation and witness service; Other businesses approved by China Banking Regulatory Authority.