Is Zhongyuan Bank a state-owned enterprise?

Zhongyuan Bank is not a state-owned enterprise.

1. Zhongyuan Bank is called Zhongyuan Bank Co., Ltd. It is a joint-stock commercial bank. Zhongyuan Bank is not a state-owned enterprise, but also a private joint-stock bank. Zhongyuan Bank is a city commercial bank, and its main business is similar to other commercial banks, including absorbing public deposits, issuing short, medium and long-term loans, and handling settlement.

2. The full name of Zhongyuan Bank is Zhongyuan Bank Co., Ltd. The company is a joint-stock commercial bank, a non-state-owned enterprise and a private joint-stock bank. It is understood that Zhongyuan Bank was established on 2065438+2004+65438+February 26, 2004. Its head office is located in Zhengzhou City, Henan Province, with 22 departments, 17 branches, more than 400 branches and village banks. The Bank was formed by the merger of 0/3 city commercial banks in Henan Province, including Kaifeng Bank, Anyang Bank, Hebi Bank, Xinxiang Bank, Puyang Bank, Xuchang Bank, Piaohe Bank, Sanmenxia Bank, Nanyang Bank, Shangqiu Bank, Xinyang Bank, Zhoukou Bank and Zhumadian Bank.

As of June 30, 20021year, the total assets of Zhongyuan Bank were 753.002 billion yuan. In the first half of 200210, Zhongyuan Bank realized an operating income of 9710.8 million yuan; The profit before provision was 6.787 billion yuan: the net profit was 26.5438+0.65, 438+0.2 billion yuan, up 4.2% year-on-year. Zhongyuan Bank, as a powerful city commercial bank, provides convenient financial services for local people.

3. Compared with state-owned banks, private banks have two very important characteristics:

(1) autonomy. The management right of private banks, especially the personnel management right, is not interfered and controlled by any government department, and is completely decided by banks.

(2) privatization. The property right structure of private banks is mainly based on the non-public economy, so as to prevent the government from interfering with the operation of banks to the maximum extent.

As an important part of the financial market, the unique property right structure and business form of private financial institutions determine that private banks have a series of advantages such as flexible mechanism, high efficiency and strong professionalism.

Therefore, private banks are an important supplement to China's state-owned financial system. The establishment of private financial institutions will promote fair competition in China's financial market and promote the reform of state-owned financial enterprises.

At the same time, the establishment of some internationally advanced private financial institutions will help China's financial industry to participate in international competition and alleviate the impact of foreign financial industry on domestic financial industry after China's accession to the World Trade Organization.