Positioning: China People's Bank is the central bank of People's Republic of China (PRC).
Contribution: All the capital of China People's Bank is contributed by the state and owned by the state.
Affiliation: under the leadership of the State Council. The President is nominated by Premier the State Council, decided by the National People's Congress and appointed or removed by the President.
Responsibilities: Formulate and implement monetary policy. For example, RMB is printed and distributed by the People's Bank of China; Determine the benchmark interest rate of the central bank; Acting as an agent for the financial department of the State Council to issue and honor treasury bonds and other government bonds to various financial institutions (the central bank is only responsible for issuing treasury bonds on behalf of the Ministry of Finance, but has no power to issue treasury bonds, and it is within the authority of the Ministry of Finance to decide whether to issue treasury bonds), and so on.
2. What is a development bank (development financial institution)?
China Development Bank, the only bank.
3. What policy banks are there?
The Export-Import Bank of China and China Agricultural Development Bank (non-China Agricultural Bank) are the only two banks.
4. What are the state-owned commercial banks?
China Industrial and Commercial Bank, China Agricultural Bank, China Bank, China Construction Bank, Bank of Communications and China Postal Savings Bank are the only six banks. State-owned commercial banks are large banks directly controlled by the state (Ministry of Finance and central huijin Investment Co., Ltd.).
5. What is a joint-stock commercial bank?
China CITIC Bank Corporation, China Everbright Bank Corporation, China Merchants Bank Corporation, Shanghai Pudong Development Bank Corporation, China Minsheng Bank Corporation, Huaxia Bank Corporation, Ping An Bank Corporation, Industrial Bank Corporation, China Guangfa Bank Corporation, China Bohai Bank Corporation, Zheshang Bank Corporation and hengfeng bank Corporation are the only twelve banks. Joint-stock commercial banks refer to banks that are generally controlled by state-owned enterprises as legal persons, operate independently, conduct independent accounting, and aim at maximizing profits. Joint-stock commercial banks can allow private capital and local government funds to be injected. For example, Minsheng Bank is a joint-stock commercial bank initiated by many private enterprises, and the largest shareholder of Industrial Bank is the Fujian Provincial Department of Finance.
6. What is a city commercial bank?
Bank of Beijing Limited, Bank of Hangzhou Limited, Bank of Shanghai Limited, Bank of Jiangsu Limited, Bank of Tangshan Limited and so on. Actually, these banks are also joint-stock banks. The difference between city commercial banks and joint-stock commercial banks is that city commercial banks are generally transformed from local city credit cooperatives or local state-owned banks. Although it is also operated across provinces, its regional characteristics are obvious. Since its establishment, joint-stock commercial banks have been national banks.
7. Who is the rural commercial bank?
Beijing Rural Commercial Bank Co., Ltd., Tianjin Rural Commercial Bank Co., Ltd., Hangzhou Rural Commercial Bank Co., Ltd., etc. Many rural commercial banks are developed from local rural credit cooperatives.
Teach you how to judge: the common name is "rural commercial bank".
8. What are the village banks?
When Yuzhou Xinmin Minsheng Village Bank Co., Ltd., zhecheng county Huanghuai Village Bank Co., Ltd., Shangcai Huimin Village Bank Co., Ltd., Kaifeng New Oriental Village Bank Co., Ltd. and Anhui Guzhen Xinhua and Village Bank Co., Ltd. set up village banks, there must be at least one banking financial institution among the sponsors or investors, that is, the main sponsor bank must be a state-owned commercial bank, a joint-stock commercial bank, a city commercial bank, a rural commercial bank and other banking financial institutions. The minimum shareholding ratio of the sponsor bank of the rural bank is 15%. (For details, please refer to the Implementation Opinions of China Banking Regulatory Commission on Encouraging and Guiding Private Capital to Enter the Banking Industry. )
Teach you how to judge: there is the word "village bank" in the common name.
Nine. What is a banking financial institution?
Refers to commercial banks, urban credit cooperatives, rural credit cooperatives and other financial institutions and policy banks established in People's Republic of China (PRC) to absorb public deposits.
Lawyer Yang Chen, graduated from Peking University with a master's degree in law, is now a practicing lawyer of Wenzhong Law Firm (as of press time). He is good at defending major and complex criminal cases such as duty crimes, economy and finance.
Effective agency case:
1. A case of duty embezzlement investigated by the Commission for Discipline Inspection of a provincial capital city was acquitted;
2. The organized crime investigation team of a provincial public security department transferred the case of the crime of stirring up trouble, gathering people to disturb social order and usury to a municipal public security bureau, and did not prosecute the three charges;
3. A drug trafficking case handled by a branch of Beijing Public Security Bureau was rejected in the investigation stage and the party was acquitted;
4. The case of misappropriation of funds (20 million yuan) was returned to the procuratorate for supplementary investigation twice, and no lawsuit was filed;
5. A crime of falsely issuing special VAT invoices was acquitted;
6. The public security organ decided to terminate the investigation of a criminal case of falsely issuing special invoices for value-added tax, and the legal representative of a company was acquitted at the investigation stage;
7. The procuratorate decided not to prosecute for intentional injury;
8. A case of intentional injury was sent back for retrial in the second instance (this should be an innocent case);
9. A contract fraud case, and the accusation was successful;
10. A fraud case was successfully prosecuted.
Related Q&A: What kind of banks do rural banks belong to? Hello, actually, village banks refer to financial institutions established in rural areas with the approval of China Banking Regulatory Commission, which are jointly funded by domestic and foreign financial institutions, domestic non-financial institutions, corporate legal persons and natural persons. Provide financial services for local farmers, agriculture and rural economic development. Therefore, village bank deposits are very reliable. However, the scale of rural banks is not very large, the capital base is weak, and the risk control ability is not as good as that of large commercial banks. Theoretically, village banks may also fail. However, the deposit products of rural banks, like those of other banks, belong to the protection scope of deposit insurance regulations. Even if the village bank goes bankrupt, the deposits within 500 thousand can still be compensated. There are two kinds of banks, one is the central bank and the other is the commercial bank. A commercial bank refers to a financial institution engaged in the business of absorbing public deposits, issuing loans, and settling accounts. With profit as the main goal. Main functions (business): deposit business, loan business and settlement business. The central bank is an institution established by the government, which is responsible for controlling the national money supply and credit situation, and supervising the financial system, especially commercial banks and other savings institutions. In short, it is a national institution. The main function is to act as an agent for the state treasury; Acting as an agent to issue treasury bonds; Providing credit support for the country; Retain foreign exchange and gold reserves; Formulate and supervise relevant financial management systems; Adjust interest rates, deposit reserve ratio, etc. That is, people often say that monetary policy is formulated. 2, the specific role of banks, one is to play the role of credit intermediary. As the "intermediary" between money lenders and borrowers, commercial banks achieve financial intermediation through debt business (concentrating all kinds of idle funds in society) and asset business (lending concentrated idle funds to various departments), and adjust economic structure and business processes. The national economy that needs funds). This is the most basic function of commercial banks, which can best reflect their basic characteristics. The second is to act as a payment intermediary. Commercial banks, as money custodians, cashiers and payment agents of enterprises, institutions and individuals, pay on behalf of customers through account deposit transfer; Based on depositors' deposits, cash for depositors, reduce cash use, save circulation costs, speed up the settlement process and the turnover of monetary funds, and promote the expansion of reproduction. The two functions of payment intermediary and credit intermediary promote each other and constitute the overall operation of loan funds of commercial banks. 3. There is also a credit creation function. Commercial banks circulate liabilities as money. On the basis of cheque circulation and transfer settlement, loans are converted into deposits. At present, experts know the source of funds of commercial banks and form derivative deposits several times larger than the original deposits. The essence of credit creation is the creation of circulation tools, not the creation of capital. 4. Finally, provide financial services. In order to meet the requirements of economic development and scientific and technological progress, commercial banks should not only expand the field of financial services, but also promote the expansion of asset-liability business and realize the organic combination of asset-liability business and financial services. Such as paying wages, providing letter of credit services, paying other fees, handling credit cards, etc. The function of financial services has gradually become an important function of commercial banks.