What does CCB’s interbank business include?

Question 1: What are the main business incomes of China Construction Bank? 1. Interest income. It refers to the interest received by commercial banks from various types of loans to enterprises and individuals according to the prescribed interest rate and the discount interest income from discount business. Interest income from financial institutions is not included, which is also to correspond to the cost items.

2. Interest income from financial institutions. It refers to the interest income and spread subsidy income generated from fund transactions between joint banks or the central bank and other banks.

3. Rental income. Refers to the rental income that a commercial bank, as a property owner (lessor), rents to users in the leasing business, and collects from the lessee in accordance with the provisions of the contract and agreement.

4. Real estate development income. It is the income obtained by commercial banks from engaging in real estate development business.

5. Consulting income. Due to the development of the socialist market economy, changes in the bank's internal operating mechanism and information behavior. Intangible wealth. plays an increasingly important role in economic activities. Commercial banks charge a certain fee (as a paid fee) for providing information to social enterprises and collective individuals through summarizing and analyzing capital movements and related materials, forming consulting income for commercial banks.

6. Guaranteed income. In order to ensure that the settlement of enterprises can proceed smoothly, commercial banks use their own reputation to provide income from the process of providing credit guarantees to various enterprises, which is called guaranteed income.

7. Income from foreign exchange trading. It refers to the income earned by commercial banks due to differences in interest rates and exchange rates between different maturities, currencies and countries in the process of engaging in foreign exchange transactions (including spot transactions and forward transactions).

8. Income from gold and silver trading. The income obtained by commercial banks from operating gold and silver trading business in accordance with relevant national policies and regulations.

9. Fee income. Refers to the personal income obtained by commercial banks in the process of settlement business, agency financing, entrusted collection, agency issuance of treasury bills, stocks and various bonds, etc.

10. Trust business income. Refers to the trust income obtained by the law when a commercial bank, as a trustee, accepts the trustor's entrustment to keep, operate or handle the trustor's property.

11. Income from securities trading. Refers to the income obtained by commercial banks from selling unexpired investment securities.

12. Custody income. Refers to the income obtained by commercial banks from keeping various assets on behalf of other enterprises or individuals.

13. Other income. Other income that does not fall within the above content but is accrued to the person's operating income.

Question 2: What is the inter-industry distribution system? How to build an inter-industry distribution system? A peer distribution system is a distribution system in the same industry. Within the same industry, you can set distribution rules to allow distributors in the same industry to distribute. Such as mcmore distribution system.

Question 3: China Construction Bank’s products and services Personal housing loan business Personal housing loan business refers to China Construction Bank or China Construction Bank being entrusted to provide natural persons who purchase, build, and overhaul various types of houses in cities and towns in mainland China of loans. China Construction Bank's personal housing loan business mainly includes self-operated personal housing loans, that is, personal housing mortgage loans (including personal first-hand housing loans, personal re-trade loan housing loans, that is, second-hand housing loans, personal commercial housing loans, personal housing mortgage loans, etc.) , provident fund personal housing loans and personal housing portfolio loans. Starting October 9, 2014. CCB supports the reasonable housing loan needs of households. For households purchasing their first home with a loan, the minimum loan down payment ratio is 30%, and the lower limit of the loan interest rate is 0.7 times the benchmark loan interest rate. It is determined based on factors such as the borrower's home purchase situation, credit record, and repayment ability. Credit Card Business China Construction Bank, as one of the earliest state-owned banks in China to be involved in issuing credit cards, already has many types of credit cards. The credit cards issued by China Construction Bank are all named "Dragon Card". The types of Dragon Cards that have been publicly issued include: Dragon Card Prestigious School Card, Dragon Card Business Card, Dragon Card Car Card, China Eastern Airlines Dragon Card, Shanghai Volkswagen Dragon Card, Dragon Card Hong Kong Wonderful Travel Credit Card, CCB VISA Ming Card, eLong Changxing Dragon Card, Mango Travel Dragon Card, Dragon Card (Master Cup) Tennis Card. Silver Star International Quick Remittance CCB Silver Star International Quick Remittance Service is a personal international quick transfer service launched jointly by China Construction Bank and Silver Star International Quick Remittance Company. It refers to the fact that China Construction Bank, upon entrustment by customers, provides personal overseas payment through Silver Star Quick Remittance Company. Foreign exchange remittance or small-amount international remittance business that remits personal foreign exchange funds overseas. While consolidating the advantages of traditional businesses, emerging businesses such as investment banking have developed rapidly, achieving revenue of 3.203 billion yuan in 2008. By promoting new financial advisory services such as corporate initial public offerings and refinancing, mergers and acquisitions, equity investments, and project financing, we have continued to expand Financial advisory customers such as AA-level and above customers, multinational companies, foreign banks, large and medium-sized enterprises, etc., only the financial advisory business achieved fee income of 2.377 billion yuan, an increase of 165.10%. A series of financial products tailored for small businesses continued to be introduced. By 2008, the bank's small business loan balance reached 249.532 billion yuan, an increase of 11.16% from the beginning of the year.

Cooperated with Alibaba to develop products such as e-commerce joint loan and guarantee, Quick Loan and order financing, and issued loans of 520 million yuan to 175 customers within half a year. It was the first among its mainland counterparts to create a "customer reception day" system, and established a mechanism for managers at all levels from the head office, branches to sub-branches to regularly receive customers, making progress in personalized and differentiated customer services. On the one hand, branch transformation has been steadily promoted; on the other hand, a team of private banking consultants and experts has been established, and 81 wealth management centers and more than 1,570 financial management centers have been built. Beijing and Shanghai private banks have successively opened to provide exclusive financial products for mid-to-high-end customers. Comprehensive and personalized services such as asset management, consulting, and charitable trusts. In serving the Olympic Games in 2008, in addition to actively handling foreign-related financial services such as foreign currency exchange, traveler's checks and foreign currency acceptance, it also launched the 95533 multi-lingual telephone banking service function to provide overseas customers with English, French, German, Russian, Japanese, Korean and other multi-lingual service support, and strive to improve the ability and level of serving overseas customers in China. At the same time, the mutual fee-free ATM cash withdrawal service developed in cooperation with Bank of America allows athletes and tourists holding Bank of America debit and credit cards to enjoy fee-free cash withdrawal services at CCB ATMs.

Question 4: What is the main business of bank treasury business:

Main business: RMB deposit loan settlement business, RMB savings business, concurrent business: agency business approved by the People's Bank of China (Projects involving licensed operations are operated with a license). Mode of operation: financial business.

Industry Chinese and Foreign Bank

Company Profile

China Construction Bank was established on October 1, 1954 (then known as the People's Construction Bank of China in 1996 It was renamed China Construction Bank on March 26).

Since its establishment, China Construction Bank has gone through three stages:

The first stage is the period of handling national financial appropriations. In October 1954, after the Construction Bank was established by the Central People's Government Administration Council, its mission is to handle the allocation of national capital construction investment, manage and supervise the use of capital construction funds within the national budget and self-raised capital construction funds of departments and units. . Over the past decades, China Construction Bank has made outstanding contributions to improving investment efficiency and accelerating national economic construction and development.

The second stage is the period of national specialized banks. Since the mid-1980s, in order to adapt to the requirements of economic and financial system reform and economic development, China Construction Bank has successively opened cash cashiers, resident savings, fixed asset loans, industrial and commercial enterprise working capital loans, international finance, housing loans and various entrusted services. agency business. By launching various commercial banking services for the general public, the banking functions have been enriched and a solid foundation has been laid for the transition to a modern commercial bank.

The third stage is the period of state-owned commercial banks. In 1994, in accordance with the requirements of the national investment and financing system reform, China Construction Bank transferred its fiscal functions and policy infrastructure loan business to the Ministry of Finance and China Development Bank respectively, taking an important step in transforming its functions into a modern commercial bank.

After nearly 50 years of reform and development, China Construction Bank has the strength to participate in domestic and foreign market competition. By the end of June 2004, the total assets were 3,722.8 billion yuan and the total liabilities were 3,522.3 billion yuan. The capital adequacy ratio reached 8.17%. According to comprehensive statistics at home and abroad, the bank's non-performing loan balance is 65.71 billion yuan, and the non-performing loan rate is 3.08%

, meeting the 3-5% standard required by the China Banking Regulatory Commission. There are 15,401 domestic and overseas operating branches, including 6 overseas branches and 2 overseas representative offices. The bank has 263,000 formal employees. At the same time, it wholly owns China Construction Bank, holds 43.35% of the equity of China International Capital Corporation, and holds 75.1% of the equity of Sino-German Housing Savings Bank.

2004

On September 15, Central Huijin Investment Co., Ltd., China Construction Bank Investment Co., Ltd., State Grid Corporation of China, Shanghai Baosteel Group Corporation and China Yangtze Electric Power Co., Ltd. The company held a meeting in Beijing and decided to jointly initiate the establishment of China Construction Bank Co., Ltd. China Construction Bank will be transformed from a wholly state-owned commercial bank into a state-controlled joint-stock commercial bank.

After China Construction Bank was restructured into a state-controlled joint-stock commercial bank, its name was China Construction Bank Co., Ltd., referred to as China Construction Bank. China Construction Bank Co., Ltd. inherited the commercial banking business and related assets, liabilities and equity of the former China Construction Bank.

After the establishment of China Construction Bank Co., Ltd., strategic investors will be introduced to further diversify equity and improve the corporate governance structure. At the same time, we will continue to comprehensively promote various management reforms, promote performance improvement, and strive to build China Construction Bank Co., Ltd. into a modern joint-stock commercial bank with sufficient capital, strict internal control, safe operation, good services and benefits. Since then, China Construction Bank has embarked on a new journey in its development process.

Service areas The Bank’s main business areas include corporate banking, personal banking and treasury services. A variety of products and services (such as infrastructure loans, housing mortgage loans and bank card services, etc.) are very popular in China’s banking industry. Leading the market.

Contact address China Construction Bank Board of Directors Office, No. 25 Financial Street, Beijing, China

Contact number (852) 2532-9637 (Hong Kong) (8610) 6621-5533 (Beijing)

Fax (852) 2523-8185 (Hong Kong) (8610) 6621-8888 (Beijing)

Contact Person

Website

[email protected ] ..>>

Question 5: Overview of China Construction Bank China Construction Bank Co., Ltd. is a joint-stock commercial bank with a leading position in the Chinese market, providing customers with a comprehensive range of commercial banking products and services. Its main business areas include corporate banking, personal banking and treasury services, with a variety of products and services (such as infrastructure loans, housing mortgage loans and bank card services) leading the market in China's banking industry.

China Construction Bank has a broad customer base and maintains banking business relationships with a number of large enterprise groups and leading enterprises in China's strategic economic industries. Its marketing network covers major regions across the country and has approximately 13,629 branches. , has overseas branches in Hong Kong, Singapore, Frankfurt, Johannesburg, Tokyo, Seoul and New York, a subsidiary bank in London, and a representative office in Sydney. CCB's subsidiaries include China Construction Bank (Asia) Co., Ltd., CCB International (Holdings) Co., Ltd., Sino-German Housing Savings Bank Co., Ltd., CCB Fund Management Co., Ltd. and CCB Financial Leasing Co., Ltd.

Customer service hotline: 95533

Since its establishment, China Construction Bank has gone through three stages:

The first stage is the period of handling national financial appropriations. In October 1954, after the Construction Bank was established by the Central People's Government Administration Council, its mission is to handle the allocation of national capital construction investment, manage and supervise the use of capital construction funds within the national budget and self-raised capital construction funds of departments and units. . Over the past decades, China Construction Bank has made outstanding contributions to improving investment efficiency and accelerating national economic construction and development.

The second stage is the period of national specialized banks. Since the mid-1980s, in order to adapt to the requirements of economic and financial system reform and economic development, China Construction Bank has successively opened cash cashiers, resident savings, fixed asset loans, industrial and commercial enterprise working capital loans, international finance, housing loans and various entrusted services. agency business. By launching various commercial banking services for the general public, the banking functions have been enriched and a solid foundation has been laid for the transition to a modern commercial bank.

The third stage is the period of state-owned commercial banks. In 1994, in accordance with the requirements of the national investment and financing system reform, China Construction Bank transferred its fiscal functions and policy infrastructure loan business to the Ministry of Finance and China Development Bank respectively, taking an important step in transforming its functions into a modern commercial bank.

After nearly 50 years of reform and development, China Construction Bank has the strength to participate in domestic and foreign market competition. By the end of June 2004, the total assets were 3,722.8 billion yuan and the total liabilities were 3,522.3 billion yuan. The capital adequacy ratio reached 8.17%. According to comprehensive statistics at home and abroad, the bank's non-performing loan balance is 65.71 billion yuan, and the non-performing loan rate is 3.08%, which meets the 3-5% standard required by the China Banking Regulatory Commission. There are 15,401 domestic and overseas operating branches, including 6 overseas branches and 2 overseas representative offices. The bank has 263,000 formal employees. At the same time, it wholly owns China Construction Bank, holds 43.35% of the equity of China International Capital Corporation, and holds 75.1% of the equity of Sino-German Housing Savings Bank.

On September 15, 2004, Central Huijin Investment Co., Ltd., China Construction Bank Investment Co., Ltd., State Grid Corporation of China, Shanghai Baosteel Group Corporation and China Yangtze Electric Power Co., Ltd. held a meeting in Beijing and decided* **Co-initiated the establishment of China Construction Bank Co., Ltd. China Construction Bank will be transformed from a wholly state-owned commercial bank into a state-controlled joint-stock commercial bank.

After China Construction Bank was restructured into a state-controlled joint-stock commercial bank, its name was China Construction Bank Co., Ltd., referred to as China Construction Bank. China Construction Bank Co., Ltd. inherited the commercial banking business and related assets, liabilities and equity of the former China Construction Bank.

After the establishment of China Construction Bank Co., Ltd., strategic investors will be introduced to further diversify equity and improve the corporate governance structure. At the same time, we will continue to comprehensively promote various management reforms, promote performance improvement, and strive to build China Construction Bank Co., Ltd. into a modern joint-stock commercial bank with sufficient capital, strict internal control, safe operation, good services and benefits.

Since then, China Construction Bank has embarked on a new journey in its development process!

(1) Company business and products: credit loans, resident savings deposits, foreign exchange business, credit card business, as well as policy housing reform finance and personal housing mortgage loans and other businesses.

(2) Development strategy: "China Construction Bank, building modern life" is the condensation of the philosophy and pursuit of CCB people. Entering the 21st century, China Construction Bank... >>

Question 6: What is financial interbank credit? A simple example is the credit granted by ICBC to China Construction Bank. This is between some interbank business It will only happen when it happens. For example, today ICBC has 200 million more funds and CCB is short of 200 million funds. ICBC’s credit exposure to CCB is 1 billion, then CCB will buy this part of the funds at a certain interest rate to achieve Assessment requirements for indicators such as loan-to-deposit ratio.

Of course, in addition to banks, other institutions such as guarantee companies, securities companies, fund companies, insurance companies, etc. will also participate.

Question 7: Where does China Construction Bank rank among all banks? China Construction Bank's total assets reached 6,117.8 billion yuan, ranking second among the four major state-owned banks. As the first bank in China to provide personal commercial housing loans and housing provident fund services, China Construction Bank has become the largest housing loan bank and the largest housing provident fund deposit and loan bank in China by virtue of its first-mover advantage. At the same time, relying on its unique advantages and rapid development in personal housing finance, CCB has also surpassed ICBC to become the largest personal loan bank in China, with a market share of 14.9%.

China Construction Bank’s profitability ranks high among listed banks. In the first half of 2007, CCB achieved annualized fully diluted ROE of 21% and ROA of 1.12%, ranking fifth and third respectively among all listed banks (including Ningbo and Nanjing). By making full use of the difference in the term structure of deposits and loans, CCB has achieved an industry-leading interest rate spread. In the first half of 2007, CCB's deposit-loan interest rate spread was 4.59%, the highest among listed state-owned banks and joint-stock banks.

There are two "magic weapons" for CCB's higher asset profitability than its peers: First, its advantages in infrastructure loans, real estate development loans and personal housing loans make CCB's medium and long-term loan proportion higher than that of its peers. Due to the long term, high yield and low risk of such loans, CCB is able to obtain relatively high loan yields. Second, low-interest demand deposits account for a relatively high proportion, reaching 58% of total deposits. In particular, a considerable proportion of company deposits are placed in the basic settlement account of enterprises in the form of demand deposits. China Construction Bank's asset quality ranks first among the four major state-owned banks. As of June 30, 2007, the non-performing loan ratio was 2.95% and the provision coverage ratio was 90.67%.

Question 8: Which banks are the four major state-owned banks in my country? An introduction to China's four major state-owned banks

An introduction to Bank of China

Founded in February 1912, Bank of China is China's oldest bank and has the most extensive network of international institutions in China. , the bank with the most advantages in international financial business. Bank of China is the first Chinese bank to have institutions in six continents: Asia, Europe, Australia, Africa, South America and North America. Currently, Bank of China has 13,089 domestic institutions and 560 overseas institutions, and has established a global financial service network. In Hong Kong and Macau, Bank of China is also the local note-issuing bank. Bank of China was selected as one of the major international banks with the strongest capital strength by the British "Banker" magazine; it was selected as one of the world's top 500 companies by the American "Fortune" magazine for 12 consecutive years; it was selected as the best domestic bank in China by "Euromoney" , China's best mergers and acquisitions institution, China's best bank; and was rated as China's best domestic bank by Asia's "Asset" magazine. By the end of 2001, Bank of China's total assets had reached RMB 3,168.011 billion, and its net assets had reached RMB 163.462 billion. The bank's domestic and overseas institutions had achieved book profits of RMB 10.805 billion. Its profitability and level have always ranked first among its domestic peers. Bank of China is the bank with the most advantages in international financial business in China. It has strong capabilities in international trade financing, international trade settlement, foreign exchange capital business, and international credit cards, and its business volume ranks first in the country. In order to adapt to the accelerating pace of world economic and financial development and technological change, and to actively face more fierce competition, the Bank of China has formulated development goals to fully promote the construction of good corporate governance mechanisms: to build a scientific decision-making system by giving full play to comparative competitive advantages. , implement prudent accounting principles, establish effective incentives and constraints, establish a human resources development management system that adapts to the market mechanism, and establish a board of directors that meets the requirements of a good corporate governance mechanism. In 3-5 years, China will The bank has developed into a large national bank with complete functions, reasonable layout, and unique comparative advantages; after a longer period of capital-based restructuring and mergers and acquisitions, it has become one of the first-class international banks.

Introduction to China Construction Bank

China Construction Bank is a state-owned commercial bank characterized by medium and long-term credit business. It is headquartered in Beijing and operates in China and major international financial centers. business. In July 2001, China Construction Bank ranked 29th in the ranking of the world's 1,000 largest banks by The Banker magazine.

China Construction Bank was established on October 1, 1954. The basic background for the establishment of China Construction Bank is that as the People's Republic of China began to implement the first five-year plan to develop the national economy, large-scale economic construction centered on the construction of 156 key projects was successively launched across the country, providing management With the huge amount of construction funds, China Construction Bank came into being and began an arduous and glorious journey. For more than 20 years from 1954 to 1978, China Construction Bank was mainly responsible for centrally handling national capital construction budget allocations and enterprise self-raised funds, supervising the rational use of funds, issuing short-term loans to construction enterprises, and handling basic business settlement services. The services of China Construction Bank follow the footsteps of the construction of the People's Republic of China and cover every construction hotspot in the motherland. They have made outstanding contributions to improving national investment efficiency, supporting national fiscal balance, and rapid economic development in China. Since the late 1970s and early 1980s, China Construction Bank has continued to expand its banking functions while inheriting its original functions. It has successively launched credit funds and loans, resident savings deposits, foreign exchange business, credit card business, as well as policy housing reform finance and personal housing. Mortgage loans and other businesses. After more than ten years of reform and development, various businesses of China Construction Bank have developed rapidly, and credit assets and liabilities have increased tens of times. It has developed from a bank that only manages financial funds and handles infrastructure appropriation supervision to a bank that not only manages financial investment, but also It is a national professional bank that operates credit business, not only handling fixed asset investment credit, but also issuing supporting working capital loans, handling both domestic financial business and international financial business, and focusing on medium and long-term credit.

The year 1994 was an important turning point in the development of China Construction Bank. In accordance with the Communist Party of China's requirements for the reform of the investment system and financial system, China Construction Bank will transfer its long-term agency fiscal functions and policy loan functions to the Ministry of Finance and the newly established China Development Bank respectively, and begin to reform the operation and management system in accordance with the requirements of commercial banks. Undertake comprehensive reforms. At the end of 1994, China Construction Bank carried out or was in the process of reviewing the capital management system, credit management system, financial management system and accounting system... >>

Question 9: All commercial banks offer rewards. Which ones? What business does each company mainly represent? Five major state-owned banks: Industrial and Commercial Bank of China, China Construction Bank, Bank of China, Agricultural Bank of China, Bank of Communications National joint-stock commercial banks: Postal Savings Bank, China Merchants Bank, China CITIC Bank, Industrial Bank, China Minsheng Bank, Hua Xia Bank, China Everbright Bank, Shanghai Pudong Development Bank Bank, Shenzhen Development Bank, Guangdong Development Bank, Bank of Beijing, Bank of Shanghai, Hengfeng Bank, Zheshang Bank, Bank of Jiangsu, Bank of Hangzhou, Bank of Ningbo, Bank of Nanjing, Bohai Bank, etc., or the transformation of former city commercial banks To become a national joint-stock commercial bank, banks nowadays have very few divisions into business types. All banks are engaged in all businesses, including deposits and withdrawals, cash management, fund settlement, utility bill collection, salary payment, and fund agency. Offering, agency sales of treasury bonds, loans, and various types of financing, the top fifteen banks should now have private banking business and some investment banking business, although they have not yet obtained an investment banking license.