CCB, ICBC, ABC, etc. Are equal. All belong to enterprise units. They handle deposit and withdrawal business for enterprises and individuals. They and the People's Bank of China belong to different units.
The People's Bank of China and China Construction Bank CCB either open cards or fold them. If there is no card-discount integration, you only need 10 yuan (annual fee) to open an account, and of course you must deposit at least 10 yuan. CCB began to issue zodiac cards from 1999, one each year. This year is a pig card, which has the same purpose as ordinary savings cards, but is more collectible. If the daily balance of your card is lower than that of 300 yuan, CCB will also charge a small account management fee (quarterly 3 yuan).
Is China People's Bank the same as China Agricultural Bank? The People's Bank of China (PBOC) is the central bank of People's Republic of China (PRC), which consists of People's Republic of China (PRC) and the State Council. Under the leadership of the State Council, formulate and implement monetary policies, prevent and resolve financial risks, and maintain financial stability. Agricultural Bank of China (ABC) is a large listed bank in China and one of the five largest banks in China. Originally established in 195 1, it is the first state-owned commercial bank established in New China and an important part of China's financial system, with its head office in Beijing.
The two are different. The People's Bank of China is the bank that manages banks, and all commercial banks are managed by the People's Bank, including the Agricultural Bank.
Agricultural Bank is a commercial bank.
The relationship between the People's Bank of China and banks! @? The People's Bank of China is the central bank and is responsible for implementing monetary policy. Its main policy goal is to maintain economic stability and growth, while ensuring the stability of the RMB value.
It is responsible for supervising banks. Control their mobility and supervise them.
China People's Bank and specialized banks are independent legal persons.
The People's Bank of China belongs to the industry management department and manages the policy implementation of various professional banks on behalf of the state. Specialized banks carry out business activities in accordance with various financial policies issued by the People's Bank of China, obey the guidance of the People's Bank of China and accept the supervision of the People's Bank of China.
The People's Bank of China is the largest bank. It manages ICBC, CCB and ABC, and all banks in China are under its control.
It is the management decision-making body of China banking industry.
It's like all the schools in China are under the control of the education department in the State Council.
China People's Bank, namely China Bank, China Agricultural Bank, China Construction Bank and China Industrial and Commercial Bank, which are affiliated to China Commercial Bank, mainly includes state-owned commercial banks, national joint-stock commercial banks and city commercial banks.
State-owned commercial banks refer to commercial banks directly controlled by the state (Ministry of Finance and Central Huijin Company), including China Industrial and Commercial Bank, China Agricultural Bank, China Bank, China Construction Bank, China Postal Savings Bank and Bank of Communications.
Industrial and Commercial Bank of China
China Industrial and Commercial Bank was established in June 1984 65438+ 10/. It is a state-owned commercial bank and one of the four largest banks in China. It has the largest customer base in China, the largest commercial bank in China and a Fortune 500 company.
Agricultural Bank of China
Agricultural Bank of China (ABC) was originally established in 195 1. It is the first state-owned commercial bank established in New China and one of the four largest banks in China.
Bank of China
China Bank was formally established on February 5, 2002 with the approval of Dr. Sun Yat-sen, tel: 1965438. The head office is located at 1, Fuxingmennei Street, Beijing. It is a state-owned commercial bank and one of the four largest banks in China.
China construction bank
China Construction Bank (CCB) was established in June 1954+ 10/. The head office is located at No.25, Financial Street, Beijing. It is a state-owned commercial bank and one of the four largest banks in China.
Postal Savings Bank of China
China Postal Savings Bank (PSBC) was formally established on March 20th, 2007. It is a state-owned commercial bank established on the basis of the reform of postal savings management system, and the Postal Savings Bank is the commercial bank with the largest number of outlets in China.
Bank of Communications
Bank of Communications (BOCOM), founded in 1908, is one of the oldest banks in modern China and one of the note-issuing banks in modern China. 1987 The restructured Bank of Communications officially opened to the outside world and became the first national joint-stock commercial bank.
What is a central bank? Relationship with China People's Bank? Overview of central bank
The institution established by * * * is responsible for controlling the national money supply and credit situation and supervising the financial system, especially commercial banks and other savings institutions.
The central bank is the highest monetary and financial management institution in a country and occupies a dominant position in the financial systems of various countries. The functions of the central bank are macro-control, financial security and stability, and financial services.
The central bank is a "currency issuing bank", which plays an important role in regulating the money supply and stabilizing the currency value. The central bank is the "bank of the bank", which keeps the bank's reserves in a centralized way and provides loans to the bank as the "lender of last resort".
The central bank is a "national bank", it is the maker and executor of the national monetary policy, and it is also a tool for * * * to intervene in the economy; At the same time, it provides financial services for the country, acts as an agent for the national treasury, issues * * * bonds and raises funds for * * *; Represent * * * in international financial organizations and various international financial activities.
The fundamental difference between the business of the central bank and the business of other financial institutions is that the business of the central bank is not for profit, but for achieving the national macroeconomic goals, which is determined by the status and nature of the central bank.
The main business of the central bank includes: currency issuance, centralized deposit reserve, loans, rediscount, securities, gold and foreign exchange, and fund transfer and liquidation and fund allocation for commercial banks and other financial institutions.
The evolution of China's central bank
(1) Central Bank of Qing Dynasty
① Family bank. Hubu Bank is a bank jointly run by government and businessmen in the late Qing Dynasty. Opened in Beijing in August, 1905. It is the earliest central bank established in China by imitating the central banks of western countries.
② Daqing Bank. 1908 Hubu Bank was changed to Daqing Bank.
(2) The Central Bank in the Revolution of 1911 and Beiyang Period.
(1) Bank of China. 19 1 1 The Revolution of 1911 led to the downfall of the Qing Dynasty, and the Qing Bank was reorganized into the Bank of China.
② Bank of Communications. Bank of Communications was established in 1908. At the beginning of its establishment, it advertised itself as a "pure commercial bank". But in fact, it later became the Beiyang Central Bank. 19 13, Bank of Communications gained the same status as Bank of China. 19 14, the bank of communications amended its articles of association, and it already has the functions of a central bank.
In the above two lines, * * * refers to Beiyang Central Bank * * *.
(3) The Central Bank founded by Sun Yat-sen..
1924 In August, the Guangdong Revolution led by Sun Yat-sen founded the Central Bank in Guangzhou. 1926 In July, the government moved to Wuhan, and in February of the same year, the Central Bank was established in Hankou. The former Guangzhou Central Bank was reorganized into the Bank of Guangdong Province. 1928, Hankou central bank closed down.
(4) The central bank in the Kuomintang period.
(1)1928165438+1October1,Nanjing National * * * established the Central Bank, with its head office located in Shanghai, the economic and financial center of the country at that time, and branches all over the country. The statutory central bank is the national bank, which exercises the functions of the central bank.
(2)1949 65438+February, the central bank withdrew to Taiwan Province province with the Kuomintang.
(5) the central bank of the revolutionary base areas
(1) 1927 After the failure of the Great Revolution, the People's Bank was established and issued currency after the establishment of the base areas. For example, in the winter of 1927, the farmers' bank was established by the farmers' association in Wenyang District, Shanghang County, western Fujian.
(2)19321February, the Soviet national bank was formally established, and the Soviet national bank also set up branches in various places, driving the base banks to be centralized and unified.
(3) 1934 10, Soviet National Bank moved with the Red Army's Long March,193510/0, and was reorganized into Northwest Branch of Chinese Soviet. In June 65438+in the same year 10, the Northwest Branch of the Bank of China was reorganized into the Shaanxi-Gansu-Ningxia Border Region Bank, with its head office in Yan 'an.
(4) With the victory of the war of liberation, the liberated areas expanded rapidly and gradually became one piece, and the whole financial undertaking tended to be unified and stable. On June 1948, 1 1, the People's Bank of China was established.
(6) The Central Bank of New China.
① People's Bank of China from 1948 to 1978. 1 948 65438+February1,China People's Bank was formally established in Shijiazhuang. 1February, 949, the head office of the People's Bank of China moved to Beijing with the army. Since then, branches, central branches and sub-branches (offices) have been set up according to administrative regions, and business offices have been set up below the sub-branches, basically forming a unified national financial system.
During this period, on the one hand, the People's Bank of China concentrated on the short-term credit business of agriculture, industry and commerce and the savings business of urban and rural people; At the same time, it not only issues the only legal RMB in China, but also acts as an agent for the national treasury and manages financial administration. This is the so-called "unified" central banking system.
② People's Bank of China from 1979 to 1983. After the Third Plenary Session of the Eleventh Central Committee, various specialized banks and other financial institutions were successively restored and established, which improved the "unified" banking system in the past. But fundamentally speaking, there has been no substantial progress in the independence of the central bank, its macro-control ability and the separation of government from enterprise. At the same time, with the recovery and establishment of various professional banks, the problem of "leaderless" also needs to be solved urgently.
③ China People's Bank from 1984 to 1998. 1September, 983, the State Council decided that the People's Bank of China should exclusively exercise the functions of the central bank, no longer engage in industrial and commercial credit and savings business, and be responsible for leading and managing national financial undertakings.
1 984 65438+1October1China Industrial and Commercial Bank was formally established after being separated from China People's Bank. The People's Bank of China specializes in the functions of the central bank.
④ People's Bank of China after KLOC-0/998. Starting from 1998 10, the People's Bank of China and its branches were reorganized nationwide, the provincial branch of the People's Bank of China was abolished, and nine first-level branches across provinces, autonomous regions and municipalities were established nationwide, with emphasis on strengthening the supervision and management of the financial industry within its jurisdiction. With the coexistence and division of labor of various financial institutions, the financial system with China characteristics, led by the central bank and led by commercial banks, has been formed.
What is the People's Bank of China for? What is the relationship between China People's Bank and other banks? Article 2 of China People's Bank Law is related to the nature and duties of China People's Bank: "China People's Bank is the central bank of People's Republic of China (PRC). Under the leadership of the State Council, the People's Bank of China formulated and implemented monetary policies to prevent and resolve financial risks and maintain financial stability. " The first paragraph defines the nature of the People's Bank of China: it is the national central bank, and the second paragraph has two meanings. First, the People's Bank of China is led by the State Council (that is, the central people's * * *), while the central banks of some western countries are not led by * * *, but are responsible to the National Assembly (legislature) and led by the National Assembly; Second, the People's Bank of China has three major responsibilities: formulating and implementing monetary policies, preventing and defusing financial risks, and maintaining financial stability.
The functions of the central bank can be divided into three categories: issuing banks, * * * banks and bank banks. Specific to the People's Bank, it mainly has the following functions.
Issuing bank: issue RMB and manage the circulation of RMB;
* * * Banks: formulate and implement monetary policies according to law; Implement foreign exchange management and supervise and manage the inter-bank foreign exchange market; Supervise and manage the gold market; Manager's vault; Holding, managing and operating national foreign exchange reserves and gold reserves; As the central bank of the country, it is engaged in relevant international financial activities; Guide and deploy the anti-money laundering work in the financial industry, and be responsible for monitoring the anti-money laundering funds; Responsible for the statistics, investigation, analysis and forecast of the financial industry;
Banks: supervise and manage the interbank lending market and the interbank bond market; Maintain the normal operation of payment and settlement system.
Generally speaking, the People's Bank is the core of national finance. It does not aim at profit, but at maintaining the stability of the currency, and carries out macro-control on economic activities. The People's Bank of China independently formulates and implements monetary policy according to law, which is an important economic means for the state to regulate and intervene in the macro-economy. China People's Bank doesn't do business for units and individuals, but its customers are other commercial banks, financial institutions and finance and taxation departments.
The difference between China People's Bank and other banks: China Bank is responsible for financial management (making financial policies) and issuing RMB (printing bank notes)! Do not engage in deposit and loan business. Other commercial banks are only responsible for deposit and loan business and wealth management business!