French banks are generally private, and there are very few state-owned ones. The French do not trust state-owned banks, because state-owned banks may go bankrupt. If they go bankrupt, they will be punished. Private banks generally will not go bankrupt. , only the British Barings

French banks are generally private, and there are very few state-owned ones. The French do not believe in state-owned banks, because state-owned banks may go bankrupt, and they will be sued if they go bankrupt. Private banks generally do not Bankruptcy, for hundreds of years only the British Barings Bank went bankrupt, but the British government took over the bank and paid all depositors' deposits and interest, ensuring the country's reputation.

But the French are different from the British. The French are lazy and don't want to go to court, so they usually keep their money in private banks. The highest-level bank in France is called Credit Bank, where you can find credit cards. There are also some other banks, such as Commercial banks, commercial banks, etc. are all of a lower level and have lower interest rates. They are not allowed to set their own interest rates. France also has banks managed by the Banking Regulatory Commission.

When I was studying in France, I rarely used cash. I mostly used checks. This check is very interesting. There are two types of checks in France, one is effective immediately, and the other is effective after a week. France has a strict management of checks. No matter what the reason is, if you fail to cash a check three times, you will be banned immediately. Most businesses in France accept checks. There is an unspoken rule in cash that no change will be given directly as a tip, so for us poor students, Paying cash is a disadvantage.

If the bank cannot cash the check, I have never encountered this before, and I dare not talk nonsense.