Is Huimin Bank a regular bank?

Huimin Bank is a regular bank. But they are not state-owned banks, only China Industrial and Commercial Bank, China Agricultural Bank, China Bank, China Construction Bank and China Bank of Communications. Others are generally local banks or private banks.

Huimin Bank has always been adhering to the core values of "being kind and keeping things quiet", adhering to the market positioning of "benefiting farmers and serving small and micro" and taking root in weaving gold; By taking the road of specialization and characteristics and adhering to the competitive strategy of "differentiated service and dislocation competition", we will provide rich financial products and convenient and high-quality financial services for small and micro enterprises, the "three rural" economy, individual industrial and commercial households and urban and rural residents.

The profit channels of banks include loans, bank insurance, sales of wealth management fund products, sales of financial equipment, consumption profit of financial intelligent terminal business, hedging business, bill business and so on.

1. The profit ratio of most domestic banks is: loan 30%, bank insurance 10%, wealth management fund product sales 10%, financial instrument sales 5%, financial intelligent terminal business consumption 30%, hedging business 5%, bill business 10% and so on. The profit ratio of foreign banks is: loan 15%, bank insurance 15%, wealth management fund product sales 15%, financial instrument sales 10%, financial intelligent terminal business consumption profit 35%, hedging business 5%, bill business 5% and so on.

2.20 16 On February 24th, the media reported that 7 of the 6 listed banks in/kloc-0 had handed in their transcripts last year, and the general net profit continued to decline. According to the performance report, in 20 15, the total net profit attributable to shareholders of the parent company of these seven banks was 2716/kloc-0.00 million yuan, which means that these seven banks earned 744 million yuan every day last year. Although this figure is still outstanding in various industries, the continued decline in profit growth is still the future trend. Compared with 20 14, the growth rate of net profit of seven banks has declined to varying degrees, the growth rate of net profit of six joint-stock banks has dropped to single digits, and the growth rate of net profit of China Merchants Bank, Industrial Bank, Huaxia Bank, China CITIC Bank and Shanghai Pudong Development Bank has dropped by more than half. The growth rate of CITIC Bank's net profit was the lowest, only 1. 15%. Only Nanjing Bank, as a city commercial bank, maintained a double-digit performance, reaching 24.86%.