Ganzhou Bank was founded in 00118 10, formerly known as Ganzhou City Commercial Bank, and was renamed as Ganzhou Bank in 2008 10/0 with the approval of China Banking Regulatory Commission.
Since its establishment, Jiangxi Ganzhou Bank has adhered to the enterprise spirit of "loyalty, trust, responsibility and dedication", adhered to the market positioning of "basing itself on the local area, deeply cultivating the local area, serving the entity and focusing on small and micro enterprises", continuously intensified its business innovation, and achieved great development and leap in asset scale, asset quality and operating efficiency.
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commercial bank
Commercial Bank, abbreviated as CB in English, is a kind of bank, whose duty is to act as a credit intermediary for financial institutions through deposits, loans, remittances and savings. The main business scope is to absorb public deposits, issue loans and discount bills. General commercial banks have no right to issue money, while traditional commercial banks mainly focus on deposits and loans.
Judging from the development of commercial banks, there are two business models of commercial banks. One is the British model. Commercial banks mainly finance short-term commercial funds, which have the characteristics of short lending period and high liquidity.
That is, borrowing deposits at a lower interest rate and lending them at a higher interest rate. The deposit-loan spread is the main profit of commercial banks. This business model is relatively safe and reliable for banks. The other one is from Germany, and its business is comprehensive. Commercial banks not only finance short-term commercial funds, but also finance long-term fixed capital, that is, engage in investment banking business.
The concept of commercial banks is different from that of central banks and investment banks. It is a financial institution with profit as its function, raising funds with various financial liabilities and operating with various financial assets. General commercial banks have no right to issue currency. Traditional commercial banks mainly focus on deposit and loan (borrowing) business, that is, borrowing deposits at lower interest rates and lending loans at higher interest rates. The deposit-loan spread is the main profit of commercial banks. The main business scope of commercial banks includes absorbing deposits from the public, enterprises and institutions, issuing loans, discounting bills and intermediary business. It is a savings institution, not an investment institution.
China Commercial Bank can engage in the following businesses: absorbing public deposits and issuing loans; Handling domestic and overseas settlement, bill discount and issuance of financial bonds; Acting as an agent to issue, honor and underwrite government bonds and buy and sell government bonds; Engage in interbank lending; Buying and selling, acting as an agent to buy and sell foreign exchange; Providing letter of credit services and guarantees; Agency payment and insurance agency business, etc. According to the regulations, commercial banks are not allowed to engage in securities business and non-bank financial business other than government bonds.