Which businesses belong to the asset business and which are the intermediate business, and explain the reason? Analyze the development trend of commercial banks
Which businesses belong to the asset business and which are the intermediate business, and explain the reason? Analyze the development trend of commercial banks
It is mainly personal business and company business. The asset business is mainly issued. The relative liability business is to absorb the deposit aspect. The intermediate business is to collect water, electricity, calls, and premiums. I feel that China lacks professional wealth management personnel and has a consulting business. Many foreign banks actually do information.
The expansion information:
BANK of China (ABC, Agricultural Bank) was established in 1951. The head office is located at No. 69, Jianguo, Jianguo Gate, Beijing. It is a large state -owned bank managed by the central government and a national deputy ministry -level unit.
China Agricultural Bank of China is an important part of the Chinese financial system. It provides various company banks and retail banks products and services. At the same time, financial market business and asset management business is carried out. The business scope also covers investment banks, fund management, financial leasing , Life Insurance and other fields.
In February 2017, Brand Finance released the 2017 Global 500 brand list, and the Agricultural Bank of China ranked 34th. In July 2018, the British "Banker" magazine released the 2018 Global Fortune Ranking Rankings, and the Agricultural Bank of China ranked 4th. In 2018, Fortune 500 ranked 40th.
In December 2018, the World Brand Laboratory released the list of the "Fortune 500 World Brand 2018", and the Agricultural Bank of China ranked 340th. On July 22, 2019, the Fortune 500 rankings of Fortune were released, and the Agricultural Bank of China ranked 36th. In November 2019, the "Belt and Road" top 100 Chinese companies ranked 44th.
In December 2019, the Agricultural Bank of China was selected as 100 brands of the 2019 China Brand Gessor Ceremony. On December 18, 2019, the 100 list of the "China Brand Development Index" of the People's Daily ranked 43rd. On January 4, 2020, he won the 2020 "Finance" Changqing Award "Sustainable Development Contribution Award".
The bank business
Thelets of Agricultural Bank of China spread throughout China, becoming the largest modern commercial banks with the largest number of Chinese outlets and the widest business radiation range. The business field has developed from the initial agricultural credit and settlement business to a complete variety, a combination of domestic and foreign currencies, and can handle various financial and domestic financial businesses.
mainly includes: deposit service/comprehensive loan service/foreign exchange wealth management/RMB wealth management/valet overseas financial management/bank card/remittance and foreign exchange settlement/retaining box rental service salary service/overseas financial service/electronic banking service /Private bank?/Financing business/domestic payment settlement/international settlement/fund related business/corporate financial services/financial institution services.
The Agricultural Bank of China with salary
The institution name: Agricultural Bank of China? Organization Types: Micro Loan Bank?
Loans Types: Pure Credit Unsecured Loan? Suitable for the crowd: other occupations, state -owned enterprises, state -owned enterprises, state -owned enterprises, state -owned enterprises, state -owned enterprises, state -owned enterprises, state -owned enterprises, state -owned enterprises Employees, civil servants, lawyers, teachers?
Loan currency: RMB? Loan quota: 2-2 million?
Loan interest rates: 0.60%? Other expenses: No other charges?
Loan period: 3-36 months? Repayment method: expired repayment?
This time: 5 days? Loan use: personal consumer loan, decoration loan, travel loan, new car mortgage loan, second -hand car, unsecured credit loan, unsecured credit loan
The are suitable for areas: Hebei Province, Shanxi Province, Inner Mongolia Autonomous Region, Liaoning Province, Jilin Province, Heilongjiang Province, Jiangsu Province, Zhejiang Province, Anhui Province, Fujian Province, Jiangxi Province, Shandong Province, Henan Province, Hubei Province, Hunan Province, Hunan Province, Hunan Province Provincial, Guangdong Province, Guangxi Zhuang Autonomous Region, Hainan Province, Sichuan Province, Guizhou Province, Yunnan Province, Tibet Autonomous Region, Shaanxi Province, Gansu Province, Qinghai Province, Ningxia Hui Autonomous Region, Xinjiang Uygur Autonomous Region, Tianjin, Shanghai, Chongqing?
product introduction:
Per salary guarantee loan (referred to as "paid loan") refers to the agricultural bank issued by the agricultural bank to a good personal high -quality customer with a credit letter. RMB loans for consumer demand. The loan target is natural person who is 18 years old and does not exceed 60 years old, and has the nationality of the People's Republic of China and the ability of complete civil behavior. The "salary loan" business must have clear personal consumption purposes, not to issue personal credit loans without designated consumption, and shall not be used in the use of relevant national laws, regulations and credit policies. The specific types of business, procedures, conditions, etc., etc., shall prevail the relevant provisions of the local branch of the Agricultural Bank of China.
product advantages:
1. Various uses, covering a variety of living consumption purposes;
2, there is no need to provide guarantee, convenient procedures;
3, the borrower has a wide range, covering various advantageous industry units Formally compile employees and other high -quality individual customers with stable salary income as repayment sources;
4, flexible repayment, you can take a monthly (quarter) period (quarter), the monthly (quarter), the expiration of the date and the monthly (quarterly season (quarterly) (quarterly season (quarterly) ) A variety of repayment methods such as equivalent principal and interest, equivalent principal.
It is mainly personal business and company business. The asset business is mainly issued. The relative liability business is to absorb the deposit aspect. The intermediate business is to collect water, electricity, calls, and premiums. I feel that China lacks professional wealth management personnel and has a consulting business. Many foreign banks actually do information.