We all know that our national banking system can be roughly divided into five major categories.
is first of all, a large state-owned bank, owned by the state, with many business categories and a wide range of people.
2 is 12 joint-stock banks, with branches covering the whole country, making their products more flexible and diverse.
The third is urban commercial banks, which basically exist in every city. It was reorganized from the original urban credit cooperatives. Many merged into provincial urban commercial banks, mainly serving the local economic and social development.
4 is Rural Commercial Bank , which is available in every county and city. It was restructured from the original rural credit cooperative and mainly serves rural and rural enterprises and small and micro enterprises.
5 is a rural bank. Each rural bank has an initiator, which is somewhat similar to the parent company. It outputs good management concepts to counties with relatively insufficient financial services, serving the local area and rural areas.
Because major banks have different positions when they were established, their customer groups face and serve are also different.
State-owned banks are preferred good customers
State-owned banks are relatively bought because they have been established for a long time and have a lot of outlets. They are also called "country", so the people are more likely to buy it.
There is basically no need to worry about deposits from major banks. The surrounding consumers have naturally increased rapidly. The natural increase in
deposits also means easy access to low-cost deposits, which means there is more profit or bargaining space when lending.
If the comprehensive deposit cost is about 2%, other banks are about 3%. If the loan interest rate of a large bank is still profitable, other banks will not be able to give such a low loan interest rate, so that they can prioritize screening of very high-quality customers.
Many high-quality customers are not short of funds, but the operating cost of is relatively high, and short-term financing with very low interest rates is required, so large state-owned banks will become the first choice.
Most of these customers are listed companies, central enterprises or subsidiaries with good operating conditions, state-owned enterprises, and large private enterprises. These are the best customers that banks compete for marketing, and large state-owned banks have inherent advantages.
We can also see the interest rate of or credit loans through . Although the quota of large state-owned banks is not the highest, the interest rate given to customers has always been the lowest.
In fact, for customers who care more about interest rates, their willingness and ability to repay are often relatively high. Only customers who cannot afford to pay or are more risky will not compare the interest rates.
In this way, large state-owned banks will give priority to snatch customers from relatively stable incomes such as state-owned enterprises and institutions within the system or state-owned enterprises and institutions.
joint-stock bank is flexible and professional
joint-stock bank each bank has its own characteristics.
such as CITIC , Everbright relies on the group's upstream and downstream enterprises to select customers, Industrial mortgage loan is number one, GF relies on China Life Group to develop bank insurance channel business to acquire customers, Ping An " Xinyi Loan " is a flagship product that focuses on personal loans and unsecured. Minsheng Bank has won wide praise from the society in the past few years, and investment promotion focuses on retail banking, etc.
On the premise that state-owned banks generally use high-quality customers to win the best, each joint-stock bank has "crossed the sea with its own magical powers", using its own advantages and professional abilities to develop specific products, compete for market segmentation, and make characteristics, and can also become an industry leader in its own unique track.
city commercial banks are rooted in local
city commercial banks mostly have local government backgrounds, so at the level of corporate customers, local platform companies and large state-owned enterprises are the key support targets.
On the debt side, the savings and financial products of city commercial banks can often give higher interest rates, and are also trusted and welcomed by the surrounding people.
Of course, after the introduction of the new financial management regulations, high-interest-rate financial products gradually withdraw from the stage of history, and urban commercial banks also lack a competitive product.
Compared with large state-owned banks and joint-stock banks, urban commercial banks have standardized management and are more humane, and many local enterprises and ordinary people will have a better impression.
Rural Commercial Banks and Rural Commercial Banks and Rural Banks have been deeply involved in county
These two types of banks are collectively called "rural small and medium-sized financial institutions", and their main customer group is rural.
, especially rural commercial banks, have their own outlets in each township. For many people who rarely go to county towns, rural commercial banks are the only bank institution that can be chosen. This is the basis of deposits and has a lot of public welfare attributes.
loan end, compared with large banks, the ability and advantages of competing with good customers do not exist, so there are very few high-quality customers that can be selected.
In the meantime, either the employee relatives or relatives come to borrow money, or customers who are difficult to borrow from other banks, naturally they are relatively less high-quality customers.
But no matter what the customer is, Rural Credit Cooperative (Rural Commercial Bank) has been in history for more than 60 years. It has assumed indelible historical responsibilities in serving the development of county economics and made due historical contributions.
