Is Luoyang Bank a state-owned enterprise or a private state-controlled joint-stock bank?

Is Luoyang Bank a state-owned enterprise or a private company? Many people will have such questions in normal times. Let me introduce this bank to you so that you can have a certain understanding of this bank, as well as its establishment time and business scope.

Luoyang Bank is a state-controlled joint-stock commercial bank. The predecessor of Luoyang Bank is Luoyang Commercial Bank. Luoyang Commercial Bank was established in 1997. On March 4, 2009, with the approval of China Banking Regulatory Commission, Luoyang Commercial Bank The bank was officially renamed Luoyang Bank. The full name is Luoyang Bank Co., Ltd.

The registered address of Luoyang Bank Co., Ltd. is located at the intersection of Kaiyuan Avenue and Tongji Street in Luoyang New District, Luoyang City. Aiqicha shows that the shareholders include Luoyang Municipal Finance Bureau and other 19 legal person shareholders with a shareholding ratio of 99.72%. The employee shareholding ratio is 0.28%. Currently, it has 10 branches in Zhengzhou, Sanmenxia, ??Jiaozuo, Xuchang, Pingdingshan, Xinyang, Nanyang, Anyang, Hebi and Zhumadian and 6 management banks in Luoyang area.

The business scope of Luoyang Bank includes bank card business; providing letter of credit services and guarantees; agency for collection and payment and insurance business; provision of safe deposit box services; handling domestic and foreign settlements; handling bill acceptance and discount; and issuance. Financial bonds; agency issuance, redemption, and underwriting of government bonds; buying and selling of government bonds and financial bonds; engaging in inter-bank lending, etc.

Luoyang Bank’s external investments include Luoyin Financial Leasing Co., Ltd., Shenzhen Nanshan Baosheng Rural Bank Co., Ltd., Henan Luanchuan Minfeng Rural Bank Co., Ltd., and Mengjin Minfeng Rural Bank Co., Ltd.

Finally, users can go to Luoyang Bank to handle various businesses in normal times, such as deposits and withdrawals, investment and financial management, loans, etc. After applying for a loan, they must return it on time and cannot be overdue, because it will Penalty interest will be generated, and the longer the time, the more the penalty interest will be. Moreover, overdue credit will lead to bad personal credit, which will affect the subsequent processing of various loans.